Break through the blocking points of the bank's corporate business, and the data experts of the enterprise check and check the data face to face with a number of banks

"How to let front-line workers quickly grasp the new digital tools like using the Qichacha APP is the pain point we are currently facing..."

"Some risk control system interfaces are very beautiful, but the actual function is not large, and you have to take out your mobile phone at a critical moment and search it on the enterprise..."

"If we can connect the database of Qichacha with our bank's own data, our technology development cost will be greatly reduced."

Recently, at the seminar on the digital upgrade of the bank's corporate business jointly held by Qichacha and a number of commercial banks in Zhejiang Province, the discussion on the scenario application of data elements was in full swing. After the promulgation of the "20 Data Articles", key issues such as data property rights, circulation and transactions, and income distribution have been clarified, and a new situation has been opened up for the in-depth application of data elements in the banking industry. In this context, the activities of Qichacha Zhejiang Bank not only provide a platform for small and medium-sized banks to communicate with their peers in the industry, but also promote the practical application and exploration of data elements in the bank's corporate business.

As a leading enterprise credit big data platform in China, Qichacha is committed to providing users with comprehensive, reliable and transparent enterprise inquiry services. Through years of accumulation, Qichacha has established a huge credible business database, covering more than 500 million enterprise data around the world, bringing together 8,000 sub-industries in the domestic market, and more than 100 billion pieces of business data (historical + real-time), and forging differentiated competitive advantages for small and medium-sized banks through the "one-stop solution for bank business expansion and risk control". According to data from the China Academy of Information and Communications Technology, Qichacha has become the No. 1 business inspection software in the pan-financial industry with a penetration rate of more than 40%.

Benchmark the actual business scenarios of small and medium-sized banks, and make digital tools practical and easy to use

At the seminar, front-line business personnel from the Inclusive Finance Department, Corporate Finance Department, Small and Medium-sized Enterprise Department, Credit Approval Department, Risk Management Department, Compliance and Audit Department from many commercial banks conducted in-depth discussions on the use of digital tools for enterprise checking.

In terms of bank-to-corporate marketing, the participants believed that the pain points of small and medium-sized banks mainly include the following two aspects:

First, the channels for obtaining business opportunities and clues are asymmetrical, and it is impossible to perceive the capital trend of enterprise development at the first time. Traditional marketing methods mainly rely on manual access to static customer information from third-party channels, which is not real-time, resulting in missed business opportunities.

Second, the value of clues varies greatly. Based on factors such as customer qualifications, customer needs, and marketing difficulty, there are great differences in the value of leads. However, the current lead management method fails to effectively stratify and classify the value of leads, resulting in a mismatch between recommended financial products and demand, and reducing marketing efficiency.

In order to solve the above problems, Qichacha's financial business experts focused on the practical functions of Qichacha's banking solution, such as "tag customer expansion, business opportunity dynamics, enterprise directory, industry customer expansion, and business opportunity management", so as to improve the customer acquisition efficiency of the bank's marketing department.

According to reports, the "Label Extension" module has a diversified retrieval mode, covering sub-functions such as advanced search, new enterprise express, map extension and batch query, which can empower the front-line staff of the bank to quickly locate potential customers and tap valuable business opportunities.

Among them, the advanced search function allows users to conduct refined searches based on more than 20 dimensions such as enterprise name, asset size, and net profit to meet business needs. The map extension and batch query functions provide enterprises with a more convenient way to find customers and improve the efficiency of customer acquisition.

In addition, based on the industry's leading big data + AI algorithm, Qichacha can also provide banks with time-sensitive data such as corporate bidding, intelligent customer expansion strategy model, cross-border investment, migration in and out, registered capital dynamics, etc., to assist users to grasp market dynamics and potential customer needs in the first time, so as to formulate more effective business strategies.

It is worth mentioning that the intelligent customer expansion strategy model developed by Qichacha can process and analyze massive business data, form dynamic indicators, and combine them into a strategy screening model to tap the account opening, deposit and loan needs, conversion credit needs, equipment financing needs of potential customers, etc.

Another major feature of the solution is the unique "thematic customer extension" of Qichacha, which brings together a number of high-quality enterprise databases including technology-based enterprises, manufacturing enterprises, honorary enterprises, list enterprises, and enterprises to be listed, involving enterprises from all walks of life, various sizes and different stages of development, providing financial institutions with segmented and hierarchical customer resources. In addition, the function of enterprise investigation of the industrial chain can help financial institutions understand the distribution of enterprises in various industrial parks across the country, and then dig deeper into the potential business opportunities in the upstream and downstream of the industrial chain.

For the business opportunity resources obtained through the above channels, users can screen, follow up and analyze the business opportunity resources online through the "business opportunity management" function, so that they can better grasp the market dynamics and tap the real needs of potential customers, so as to achieve rapid business growth.

Accumulated customer service experience of thousands of financial institutions to help small and medium-sized banks in their digital transformation

As a science and technology company with deep technical accumulation in the field of enterprise risk management, Qichacha also shared its rich experience in the process of dialogue and exchange, covering one-stop due diligence of banks, full-process risk monitoring and early warning management, corporate credit loan management and other aspects, aiming to help banks improve their digital risk control capabilities, optimize credit processes, and improve their operation and management levels.

In the past ten years, Qichacha has provided services to more than 500 million users, including banking, insurance, securities, stocks, funds, asset management, futures, trusts, exchanges and many other fields, and has received and processed nearly 30,000 business needs in total.

In the face of various needs from all walks of life, Qichacha has always maintained high-frequency iteration. Relying on customer feedback, as well as the in-depth communication between the product team and hundreds of leading customers in the financial field, and at the same time working with major user departments (such as business development department, credit approval department, risk control department, legal compliance department, etc.) to explore business scenarios, Qichacha has accumulated rich methodologies and data algorithm models in many pan-financial industries such as banking, securities, insurance, funds, supply chain finance, etc., and many vertical business needs have been transformed into out-of-the-box features for customers in the financial industry.

In the next step, Qichacha will continue to focus on enterprise data elements, continue to innovate corporate credit products and services with the help of science and technology, improve the availability and coverage of financial services, help solve the problem of lack of credit information for small, medium and micro enterprises, especially those applying for loans for the first time, and promote the high-quality development of inclusive finance.