Industrial Finance 3.0: financial technology of "dredging blood vessels"

Post epidemic Era , People's lives and enterprise production are still facing many challenges .

Facing the complex market environment and pressure , Financing threshold and financing cost “ Double drop ” Become the most urgent demand of small and micro enterprises , And the improvement of service efficiency and service experience has also become an important goal of the development of the industry .

Judging from the current market trend , Including regulatory authorities 、 Financial institutions and other market participants , Are actively exploring the break .

Typical as Baidu AI Cloud recently launched an industrial finance solution , Its entry point is industrial digitalization , Involving industrial and financial platforms 、 Green Finance 、 Agricultural finance 、 Financial aging and other fields , In supporting various industries to span “ Digital gap ” At the same time , Guide Finance “ blood ” Flow to more small and medium-sized enterprises that could not be circulated in the past .

Do not do “ Financial technology of finance ”, Return to the essence of science and Technology , do “ Dredge the blood vessels ” Financial technology .

Baidu AI Cloud enables industrial finance , Through the comprehensive use of digital technology , Ensure the gold content of Technology , And actively bring it into the supervision of financial technology innovation of regulators , Let financial service penetration and digital transformation help each other , Finally, the financing cost of real enterprises will be effectively reduced , Linkage industry and finance , Jointly accelerate industrial iteration and upgrading .

This idea of breaking the situation also conforms to another major trend of the whole social and economic development —— Digitization .

Over the past few years , Large to pillar enterprises , Small and micro businesses as small as capillaries , All need the help of digital power , Improve the through cycle “ toughness ”, Relying on Cloud Computing 、 big data 、 Industrial finance solutions based on artificial intelligence and other core technologies , It can meet the needs of enterprises at the technical level , It can also effectively solve the problems of capital shortage faced by enterprises .

The layout of Baidu AI Cloud on Industrial Finance has also become a silhouette of the upgrading of industrial financial services .

On the industrial map , It is the platform from “ spot ” To “ Line ” Until then “ network ” Relationship building ; In terms of service capability , It has realized the upgrading from pure financial services to enterprise management solutions . And from a higher perspective , It is realizing from “ Financial value creation ” towards “ Industrial value creation ” The leap of .

Industrial Finance 3.0 Chongqing in China “ sample ”

Throughout the development of digital financial services , The market usually divides it into three stages .

among ,1.0 The stage is mainly point-to-point corporate finance , Target customers are key customers 、 Mainly large companies ; Get into 2.0 Stage , The service starts from point to “ Line ”, Extend to the upstream and downstream of the industrial chain related to core enterprises , The customer base shows a trend of diversification .

And in the 3.0 Stage , The problems faced by the whole market have become more complex .

Under the impact of the epidemic , Industrial digital transformation and finance help the real economy , In particular, the need to accelerate the penetration into small and micro enterprises is also urgent . In other words , Industrial financial services should be able to become the basis of industrial upgrading “ Accelerator ”, We should also be able to achieve small and micro enterprises “ Precision drip ”.

therefore ,3.0 The stage of industrial financial services shows a completely different face .

The Industrial Finance Solution launched by Baidu AI Cloud this time , The industry and finance platform, which was launched in cooperation with Chongqing municipal government, is a very representative sample . The whole platform construction focuses on the new problems and new needs faced by the development of local industries in Chongqing .

Chongqing is one of the important industrial towns in China , Have a sound manufacturing industry system . data display , Chongqing microcomputer 、 mobile phone 、 automobile 、 The proportion of motorcycle production in the country exceeds 24%、9%、6%、29%, It plays an important role in the development of national manufacturing industry .

With the country “ the 14th Five-Year Plan ” Planning landing , For the development of industrial digitalization 、“ Digital China ” Construction puts forward new requirements , Chongqing is also accelerating its construction to become an important advanced manufacturing center of the country , make “ Smart Town ”, Focus on deployment, including intelligent industry 、 Intelligent manufacturing 、 Application of wisdom 、 Emerging infrastructure and other fields , Cultivate competitive industrial clusters .

It is worth noting that , Small, medium-sized and micro enterprises are the new force for the high-quality development of Chongqing's manufacturing industry .

data display ,2020 In, small and medium-sized industrial enterprises above Designated Size contributed to the city's large-scale industries 58% Revenue 、69% Profits and taxes 、70% Employment and 97% The above market players .

meanwhile , incubation “ Specialization and innovation ” Small and medium-sized enterprises (smes) , Give full play to the innovative leadership of these enterprises 、 Market dominance 、 Group chain drive and growth support are also one of the strategies for Chongqing to land steadily . According to the latest launch of Chongqing “ The action plan for cultivating leading enterprises in the equipment manufacturing industry ”,“ the 14th Five-Year Plan ” period , Chongqing will cultivate at least 20 Leading enterprises and at least 300 home “ Specialization and innovation ” Enterprises .

In the process , Involving a large number of complex industrial chains 、 Enterprises and countless segmentation scenarios , They all need “ technology ” And “ Finance ” Double blessing of service .

And that's why , Chongqing industry and finance platform is not a financial service “ Harvest type ” platform , It is closer to serving small and micro enterprises “ Nurturing ” platform , Provide effective digital tools and rich financial scene services for enterprises in need .

Through the integration of industry, finance and education , Give enterprises fishing , And gradually through the accumulation of data and the continuous enrichment of information dimensions in the process of enterprise digitalization , Gradually link financial institutions to provide products that better meet the needs of the scene , Realize the product transition and service capability upgrading of small and micro enterprises in financial services .

Public information display , Chongqing industry and finance platform mainly includes 5 The core module of the solution ： Inclusive financial platform 、 Supply chain finance platform 、 Enterprise risk control platform 、 Intelligent marketing platform and Internet of things supervision platform , Covering all key links of the industrial chain .

among , Phase I construction of the platform mainly realizes two parts: Inclusive Finance platform and enterprise risk control platform . The former improves the efficiency of the connection between supply and demand of Inclusive Finance for enterprises through the construction of credit supermarkets ; The latter can provide enterprise core 、 Enterprise score 、 Risk warning 、 Business applications such as risk warning , Support the full life cycle management before, during and after the loan .

Industrial finance solutions

From the perspective of business landing , Platforms have been created “ Smart to credit ”、“ Technological transformation loan ” Products such as , To meet the practical needs of enterprises in intelligent transformation . It is worth noting that , These products are not the past of financial institutions “ Subject matter ”, Instead, the platform is based on insight into customer needs , Product innovation for segmentation scenarios .

All these show industrial finance 3.0 The distinctive characteristics of the times —— De centralization . No matter the size of the enterprise , Every individual can get the services they need , Fairness of financial services 、 The universality has been greatly improved .

“ infrastructure ” Capability upgrading

《 Out of control 》 By Kevin · Kelly once mentioned ,“ The real opportunities and boundaries of fintech are not simply upgrading , But the use of 、 Develop and explore new superpowers , That is, we can use technology to do things that we couldn't do before .”

The upgrading of industrial and financial services also follows this logic , Its core driving force comes from technological innovation . among , The rise of Cloud Computing , This makes the whole industry and finance ecosystem completely different from the past .

One side ,“ On the cloud ” It's a matter of “ infrastructure ” The transformation of , It means in the tide of digital transformation , data 、 The value of technology can be more fully explored and developed , The industrial map starts from “ spot ” To “ Line ” Until then “ Noodles ” The construction of can be pushed forward more smoothly .

On the other hand , With the maturity of products and services , Today, our discussion on cloud computing is no longer limited to storage capacity and computing capacity , But in the enterprise transformation 、 Industrial chain remodeling and social sustainable development , How can its integration with the real economy create greater value .

From the practice of Baidu AI Cloud , from 2015 The year was officially marked with “ Integration of cloud and intelligence ” Since the core opening-up and operation , With the explosion of market demand , Its services “ radius ” And services “ Ability ” Keep improving .

As of the latest data , Baidu AI Cloud has served nearly 500 Financial industry , Accumulated rich scenes 、 Business and operational experience . And in promoting the digital transformation of other industries , Baidu intelligent cloud “ Antenna ” Extended to industry 、 Agriculture 、 Medical care 、 Retail and other industries .

according to IDC released 《2021H2 China AI Cloud Service Market Research Report 》,2021 In the second half of , China AI The scale of public cloud service market is up to 26.02 RMB 100 million , among , Baidu AI Cloud ranks first in market share , This is also the sixth consecutive time AI The market share of public cloud services ranks first .

IDC According to the report ,AI The growth of the public cloud service market mainly comes from NLP、 Conversational AI Human face and human ability , The corresponding products, such as intelligent customer service 、 Human face recognition has also become the industry digital transformation 、 The first choice for intelligent upgrade .

besides , In the field of industrial Internet , Baidu Intelligent Cloud built “ Open things ” Industrial Internet platform in this year 5 Selected in “ national team ”—— Issued by the Ministry of industry and information technology 2022 In the list of new cross industry and cross domain industrial Internet platforms in , Baidu AI Cloud ranks first among new enterprises .

As a “AI+ Industrial Internet ” Industrial Internet platform featuring ,“ Open things ” Already with more than 22 Industry 300 Establish cooperation with multiple enterprises , by 18 Ten thousand industrial enterprises provide services , Including Chongqing 、 Suzhou 、 Guiyang, etc 16 Four regions landed .

in fact , The construction and development of the aforementioned Chongqing industry and finance platform is also based on “ Open things ” Based on the industrial Internet platform , Gradually build a more diversified and rich service ecosystem .

Established by the industrial and financial platform “ deep ” also “ wide ” Their service ability enables them to work closely with enterprises , Deep insight into the needs of the industry 、 Thinking 、 Required , Around the deal 、 payment 、 Financing and other core scenarios , Provide customized solutions for customers with needs .

meanwhile , Take scene data 、 Industrial Internet 、AIoT The risk identification ability based on the underlying data of hardware such as the Internet of things and Baidu's characteristic public opinion can also help financial institutions achieve more efficient risk control decisions .

Relying on rich scene ecology and financial resources , The platform can guide finance “ blood ” Flow to more small and medium-sized enterprises that could not be circulated in the past , Realize the efficient transformation of scene traffic and small and micro enterprises “ Thousands of enterprises and thousands of aspects ” financing .

Over the past few years , With the market competition becoming more and more fierce ,C Consumer finance of the end is running into “ Refine ” Operation Era . Although industrial finance started a little late , But under the rapidly developing market tide , Refined service capabilities and customer experience are becoming the focus of market competition .

In addition to the aforementioned Chongqing industry and finance platform , this Green finance launched by Baidu AI Cloud 、 Agricultural finance and aging solutions , It is also based on the deep cultivation of subdivision circuits , Comprehensive solutions launched .

Iteration and upgrading of industrial financial services , It is the product driven by market demand and technological progress , It is also the result of the same frequency resonance between industrial upgrading and financial digital transformation .

Facing the digital upgrading of industry “ Hard indicators ”—— according to 《“ the 14th Five-Year Plan ” Digital economy development plan 》, To 2025 year , The added value of core industries in China's digital economy accounts for GDP The proportion will reach 10%, Every market participant is faced with huge market opportunities .

Seize the opportunity , Is building the future “ The moat ”.

Xin Finance Hong Ruxin 、 Yi Lei / writing

Click on Read the original Learn more about Baidu AI Cloud products .