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掘金3万亿农村金融缺口,宝象金融深耕农业供应链

来源: 南方日报网络版     时间: 2019年10月15日 06:57:23
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(3万)(亿)(缺)(口)(
电)(商)(、网)(贷)(、三)(农)(服)(务)(机)(构)(分)(食)(蛋)(糕)(
据)(中)(国)(社)(科)(院)(2016年)(8月)(份)(发)(布)(的)(《“三)(农)(”互)(联)(网)(金)(融)(蓝)(皮)(书)(》显)(示)(,自)(2014年)(起)(,我)(国)(三)(农)(金)(融)(缺)(口)(超)(过)(3万)(亿)(元)(,这)(一)(数)(字)(已)(将)(2016年)(京)(、沪)(两)(地)(的)(全)(年)(GDP甩)(在)(了)(身)(后)(。截)(至)(2015年)(末)(,我)(国)(三)(农)(互)(联)(网)(金)(融)(的)(规)(模)(为)(125亿)(元)(。
农)(业)(供)(应)(链)(金)(融)(作)(为)(农)(村)(金)(融)(的)(主)(要)(组)(成)(部)(分)(,正)(在)(被)(包)(括)(电)(商)(、P2P、三)(农)(服)(务)(机)(构)(等)(互)(联)(网)(或)(其)(他)(行)(业)(机)(构)(分)(食)(。作)(为)(农)(村)(金)(融)(行)(业)(里)(的)(“老)(司)(机)(”,宝)(象)(金)(融)(在)(上)(线)(之)(初)(即)(选)(择)(了)(农)(业)(供)(应)(链)(金)(融)(作)(为)(业)(务)(的)(主)(要)(发)(展)(方)(向)(,并)(深)(耕)(至)(今)(。
“助)(农)(E贷)(”是)(宝)(象)(金)(融)(成)(立)(之)(初)(的)(明)(星)(产)(品)(,致)(力)(于)(为)(农)(业)(贸)(易)(产)(业)(链)(上)(下)(游)(提)(供)(融)(资)(服)(务)(。助)(农)(E贷)(在)(产)(品)(设)(计)(上)(充)(分)(考)(虑)(到)(了)(小)(微)(农)(贸)(商)(户)(的)(特)(点)(,利)(用)(互)(联)(网)(大)(数)(据)(,以)(交)(易)(成)(本)(的)(优)(势)(使)(各)(种)(额)(度)(、期)(限)(的)(贷)(款)(都)(能)(迅)(速)(匹)(配)(资)(金)(;以)(多)(维)(度)(视)(角)(的)(衡)(量)(标)(准)(来)(发)(现)(无)(法)(靠)(银)(行)(流)(水)(和)(房)(产)(抵)(押)(体)(现)(的)(信)(誉)(度)(。并)(从)(商)(户)(角)(度)(考)(虑)(资)(金)(需)(求)(,为)(缩)(短)(获)(取)(资)(金)(时)(间)(,对)(商)(户)(进)(行)(综)(合)(授)(信)(,将)(商)(户)(获)(得)(资)(金)(的)(时)(限)(缩)(短)(到)(了)(一)(天)(,遵)(循)(工)(作)(日)(24小)(时)(内)(放)(款)(原)(则)(。有)(效)(覆)(盖)(银)(行)(贷)(款)(难)(以)(普)(及)(的)(领)(域)(。
准)(确)(划)(分)(,宝)(象)(金)(融)(的)(运)(作)(模)(式)(属)(于)(农)(业)(供)(应)(链)(金)(融)(。
农)(村)(金)(融)(中)(的)(供)(应)(链)(模)(式)(并)(不)(是)(传)(统)(意)(义)(上)(的)(供)(应)(链)(金)(融)(。整)(个)(业)(务)(的)(开)(展)(过)(程)(中)(主)(要)(依)(靠)(上)(游)(农)(资)(供)(应)(商)(,根)(据)(传)(统)(的)(赊)(销)(关)(系)(,来)(收)(集)(农)(民)(的)(信)(用)(数)(据)(或)(者)(是)(社)(交)(数)(据)(等)(来)(评)(判)(农)(民)(的)(信)(用)(等)(级)(。
在)(这)(个)(业)(务)(流)(程)(中)(,宝)(象)(金)(融)(主)(要)(以)(农)(贸)(商)(户)(作)(为)(基)(础)(用)(户)(来)(开)(展)(业)(务)(。平)(台)(依)(据)(其)(在)(农)(贸)(批)(发)(市)(场)(中)(的)(商)(户)(信)(息)(进)(行)(不)(同)(额)(度)(的)(授)(信)(。同)(时)(,以)(农)(贸)(批)(发)(市)(场)(结)(算)(中)(心)(为)(枢)(纽)(,来)(为)(借)(款)(用)(户)(提)(供)(预)(付)(款)(融)(资)(或)(商)(业)(保)(理)(业)(务)(。
此)(外)(,宝)(象)(金)(融)(还)(在)(为)(一)(些)(大)(型)(的)(农)(牧)(企)(业)(提)(供)(供)(应)(链)(金)(融)(服)(务)(。目)(前)(宝)(象)(金)(融)(已)(与)(北)(大)(荒)(集)(团)(、新)(希)(望)(六)(和)(、益)(客)(集)(团)(、山)(西)(大)(象)(集)(团)(、想)(念)(食)(品)(等)(众)(多)(国)(内)(外)(农)(牧)(企)(业)(建)(立)(了)(战)(略)(合)(作)(,为)(它)(们)(提)(供)(多)(渠)(道)(的)(新)(金)(融)(服)(务)(。
农)(村)(市)(场)(复)(杂)(,做)(好)(风)(控)(是)(核)(心)(
为)(了)(服)(务)(好)(客)(户)(,宝)(象)(金)(融)(组)(建)(了)(深)(耕)(在)(农)(业)(领)(域)(十)(几)(年)(,积)(累)(了)(丰)(富)(的)(经)(验)(的)(资)(产)(团)(队)(,其)(中)(不)(乏)(一)(些)(在)(新)(希)(望)(、北)(大)(荒)(等)(大)(型)(农)(牧)(集)(团)(工)(作)(了)(多)(年)(的)(运)(营)(管)(理)(者)(,他)(们)(对)(种)(植)(、饲)(料)(、养)(殖)(等)(多)(种)(生)(产)(线)(都)(有)(着)(深)(厚)(的)(认)(知)(,可)(以)(说)(“比)(资)(产)(方)(更)(懂)(资)(产)(”。
风)(险)(控)(制)(方)(面)(,宝)(象)(金)(融)(则)(是)(自)(建)(以)(大)(数)(据)(为)(核)(心)(,以)(多)(方)(征)(信)(合)(作)(为)(特)(点)(的)(“象)(牙)(风)(控)(体)(系)(”。风)(控)(团)(队)(会)(尽)(量)(引)(入)(第)(三)(方)(监)(控)(资)(金)(用)(于)(农)(业)(需)(求)(而)(非)(其)(他)(资)(本)(性)(投)(融)(资)(;专)(门)(针)(对)(农)(村)(市)(场)(的)(自)(身)(特)(点)(,风)(险)(控)(制)(方)(面)(会)(增)(加)(农)(产)(品)(收)(益)(测)(算)(、上)(下)(游)(优)(质)(企)(业)(担)(保)(、核)(心)(龙)(头)(企)(业)(背)(书)(等)(多)(种)(手)(段)(来)(降)(低)(风)(险)(。
宝)(象)(金)(融)(的)(资)(产)(端)(,除)(了)(平)(台)(积)(累)(的)(供)(应)(链)(金)(融)(的)(大)(数)(据)(以)(外)(,还)(对)(接)(了)(上)(海)(资)(信)(、前)(海)(征)(信)(、安)(融)(征)(信)(等)(数)(十)(家)(外)(部)(征)(信)(机)(构)(,对)(用)(户)(信)(息)(进)(行)(综)(合)(分)(析)(和)(交)(叉)(验)(证)(,从)(而)(实)(现)(对)(借)(款)(人)(和)(借)(款)(企)(业)(的)(历)(史)(信)(用)(、还)(款)(意)(愿)(及)(还)(款)(能)(力)(的)(多)(维)(度)(评)(估)(。
此)(外)(,配)(有)(自)(有)(知)(识)(产)(权)(的)(评)(分)(模)(型)(、反)(欺)(诈)(算)(法)(,实)(现)(主)(要)(产)(品)(的)(风)(控)(系)(统)(化)(,评)(估)(个)(人)(资)(产)(情)(况)(和)(信)(用)(记)(录)(以)(及)(企)(业)(的)(经)(营)(数)(据)(、财)(务)(报)(告)(,严)(格)(控)(制)(借)(款)(项)(目)(风)(险)(。平)(台)(还)(建)(立)(了)(包)(括)(客)(户)(身)(份)(识)(别)(、信)(用)(等)(级)(评)(定)(、项)(目)(实)(地)(尽)(调)(、综)(合)(分)(析)(评)(判)(、签)(订)(法)(律)(文)(书)(、先)(决)(条)(件)(审)(核)(等)(分)(级)(授)(权)(体)(系)(和)(审)(批)(流)(程)(,逐)(步)(降)(低)(项)(目)(风)(险)(。在)(资)(金)(端)(,与)(太)(平)(财)(险)(合)(作)(,并)(引)(入)(多)(家)(双)(A级)(担)(保)(机)(构)(。
截)(至)(目)(前)(,宝)(象)(金)(融)(平)(台)(总)(交)(易)(额)(已)(经)(超)(过)(58亿)(,注)(册)(用)(户)(超)(120万)(,累)(积)(撮)(合)(交)(易)(超)(177万)(笔)(。在)(今)(年)(年)(初)(的)(零)(壹)(财)(经)(新)(金)(融)(年)(会)(上)(,宝)(象)(金)(融)(CEO侯)(彦)(卫)(指)(出)(,农)(村)(金)(融)(市)(场)(由)(于)(传)(统)(机)(构)(渗)(透)(力)(不)(足)(还)(有)(很)(大)(的)(发)(展)(空)(间)(。他)(建)(议)(,平)(台)(应)(专)(注)(一)(个)(方)(向)(做)(好)(产)(品)(,农)(村)(金)(融)(市)(场)(大)(有)(作)(为)(。
虽)(然)(国)(家)(农)(村)(金)(融)(深)(化)(程)(度)(低)(、正)(规)(金)(融)(机)(构)(供)(给)(不)(足)(,影)(响)(着)(农)(村)(金)(融)(的)(发)(展)(。但)(是)(归)(咎)(到)(本)(质)(原)(因)(,是)(因)(为)(农)(村)(市)(场)(较)(为)(复)(杂)(,所)(以)(大)(部)(分)(正)(规)(金)(融)(机)(构)(进)(入)(农)(村)(金)(融)(市)(场)(都)(会)(碰)(壁)(。但)(是)(对)(于)(已)(经)(掌)(握)(成)(熟)(商)(业)(模)(式)(的)(宝)(象)(金)(融)(来)(说)(则)(无)(需)(太)(过)(担)(心)(这)(方)(面)(的)(问)(题)(。当)(谈)(及)(未)(来)(规)(划)(时)(,宝)(象)(金)(融)(联)(合)(创)(始)(人)(张)(娟)(表)(示)(,公)(司)(现)(在)(的)(工)(作)(重)(点)(有)(两)(个)(方)(面)(,第)(一)(是)(要)(以)(成)(熟)(的)(农)(村)(供)(应)(链)(金)(融)(模)(式)(为)(基)(础)(稳)(步)(发)(展)(;第)(二)(则)(是)(在)(合)(规)(的)(前)(提)(下)(向)(其)(他)(行)(业)(提)(供)(金)(融)(服)(务)(。
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