北京赛车

Welcome to Beijing Sinodata Tech Co., Ltd.
  • Internet Finance
    Internet Finance
    The supply chain financial
    P2P Operation and Joint Operation
    E-commerce Platform
    Mobile Payment Service Solution
    Mobile Banking Products
    Credit Card Installment Mall Solution
    Mobile Marketing of Financial Industry
    P2P Internet Financial Service Platform
    Mobile Banking Public Version
    Mobile Banking Rural
  • Intelligent Banking
    Channel intelligence
    Public Service Platform Construction
    Public Self-service Receipt Front System
    Public Self-service Bill Processing Front System
    High-Speed Bill Scanner (A4)
    Call Center Comprehensive Solution
    Enterprise Public Self-service Bank Solution
    Branch Transformation Solution
    An Overall Solution to Bank Self-service Branch
    Business Introduction
    Intelligent Counter
    Self-service Ticket Machine
    Self-service Equipment Safety Management System
    Process Bank
    Process Bank Solutions
    Business Centralized Processing System
    Remote Centralized Authorization System
    Image processing
    Centralized Electronic Verification
    Shareholding Rights Transfer Business Image Processing Platform
    OCR Recognition Product
    National Check Image Exchange System
    Bank Notes Anti-counterfeiting System Solution
    Comprehensive Prevention and Control on Signature Card
    Business License Information Quick Recorder
    Integrated Image Input Processing Platform
    Image and Content Management Platform
    Big data
    Big Data Storage
    Data Integration Platform
    Intelligent bank
    iBank Solution
  • Integrated Services
    Data Center IT Assets Automatic Tracking and Management Solution
    Machine Room Relocation Service
    Disaster Recovery Consulting Service
    Performance Tuning Service
    Brief Introduction of MA Service
    Introduction to Sinodata Data Backup Center
    System Integration Service
    Infolex V5.0 Automated Operation and Maintenance Management Platform
    Machine Room Weak Current Implementation Service
    MA Repair & Maintenance Service
    Data Center Personnel Location Management
    IT Monitoring Platform
    Crossflow Core Service Performance Management Solution
    APM (Application Performance Management) Solution
    Data Center Construction Consultation
Internet Finance

Internet Finance

 

Centered on Internet bank cloud platform and financial assets transaction platform, the Company is connected to the participants of financial service such as banks, government, enterprises and individuals, constructing the Internet financial ecosystem.

 

1-1) Industry Background

 

In recent years, the Internet finance has developed rapidly, continuously expanding the scale. However, compared with the large size of traditional banking industry, Internet banks are still in the low permeability. Alipay Yuerbao, P2P and other products currently only attract attention of long-tail users uncovered by traditional banks. However, the Internet financial reformation is dominated by pure Internet enterprises represented by third-party payment, P2P and crow funding is unable to effectively break off the dilemma of banks, government and enterprises. The Internet financial times 1.0 comes to an end.


 

Bank Dilemma

 

Impacted by the factors such as the marketization of interest rate and Internet financial rise, interest spreads of deposit and loan as well as revenue and income go downhill.

 

Small and medium-sized banks rely heavily on interest spreads of deposit and loan, lagging intermediate services and less competitiveness, in urgent need of transformation of the Internet.

 

Government Dilemma

 

Government debt is rising, so the country issued the policy No. 43, etc. to manage local government debt, making local financing platform companies get rid of helping local government financing. Local government financing becomes more difficult;

 

China’s economic growth is slowing down, and the local government is badly in need of massive funds to sustain economic growth.

 

Enterprise Dilemma

 

Listed companies: The stock market slumps, the stock price declines, and financing channels are obstructed in the stock market;

 

Small and medium-sized enterprises: High management risks, less mortgage assets and less financing channels.

 

In the Internet financial times 2.0, the Internet bank focusing on asset securitization is the main form. The nature of Internet finance is still finance, does not change the basic functions and properties of financing. As the banks are absolutely dominant in China’s financial layout, the Internet financial reform proposed by pure Internet enterprises does not get involved in the financial main body of China, therefore, in order to address banks, government and enterprise financing, the critical point is to solve the transformation of banks as the financial main body. Based on overseas experience, asset securitization can solve many problems of banks in order to improve the competitiveness, profitability level and business development space in the self-development of banks.




Banks still remain absolutely dominant in the financial sector


Fig. 1.1 Asset size in the financial niche



1-2) Sinodata Internet Financial Strategy

 

Strategic layout

 

Centered on Internet bank cloud platform and financial assets transaction platform, the Company is connected to the participants of financial service such as banks, government, enterprises and individuals, constructing the Internet financial ecosystem.



 


By interacting with superior resources of the parties concerning, the Company carries out a series of operations in order to address their trigger points.

1. Internet bank cloud platform: The banks are connected together, many small and medium-sized banks collaborate with each other, and the channels of small and medium-sized banks are expanded to realize capital integration.

2. Asset management: Small and medium-sized banks are connected to excellent talents, management ability of talents are utilized to enhance bank asset management and product design ability.

3. Asset securitization: Banks, government and enterprises are connected to achieve capital integration.

4. Transaction in financial assets: Banks, government and enterprises are connected to achieve capital integration.

5. Supply chain finance: Banks and enterprises are connected to address financing difficulty of enterprises.

6. Credit reporting: Collect data and provide the base support.

 


1-3) Capital: Internet bank cloud platform shares resources



Comparison in Internet bank models 


Internet banks have the characteristics of reducing the cost of banking outlets, directly connecting to the consumers, etc., and can significantly improve management efficiency. In the transformation of small and medium-sized banks to Internet Banks, traditional models have a certain limitation, As an independent third party, Sinodata build an Internet bank cloud platform, an open Internet ecosystem, where enterprises can keep independent and there is no horizontal competition, in order to help small and medium-sized banks achieve the transformation to Internet banks.



 



Internet Bank Platform: Help small and medium-sized banks realize the transformation to Internet banks 



Sinodata is dedicated to building an independent third-party Internet bank platform, providing small and medium-sized commercial banks with the assets of less than 300 billion yuan in China with Internet transformation services, jointly constructing the Internet banking union with the “big asset-management” as the core. The “Bank-to-bank Platform” led by the Company has three key advantages, as follows:

 

The participation of an independent third party helps the bank realize its transformation: 1. Avoid horizontal competition between banks on the platforms. 2. Have developed in bank IT field for many years, have the comprehensive service ability to set up the Internet platform, and rapidly promote the asset-light operation, high efficiency and Internet transformation of small and medium-sized banks. 3. The large-scale effect significantly reduces individual bank costs.

 

It covers the banks at all levels, and each bank takes what he needs in the ecosystem: 1. In the established bank union system, a large bank can sell its good financial products through the platform, and small and medium-sized banks can take advantage of their abundant funds to buy high quality products on the platform. 2. When small and medium-sized commercial banks have liquidity requirements, it can provide securitization services of credit assets, and interacts with the assets purchaser to realize the liquidity between banks.

 

The difficulty of face-off application is avoided through interacting with high-quality assets: 1. Provide abundant high-quality asset management products, which mainly come from local government, state-owned enterprises, trust institutions, etc., through asset securitization, the steady overall revenue is generated. 2.Asset management products are launched by the financial assets exchange and sold by small and medium-sized banks to share the profits. Thus, the difficulty of face-off application is avoided, and the dilemma of insufficient ability to design a product is solved for small and medium-sized banks at the same time.






1-4) Assets: Interact with the financial assets exchange, and carry out the business in asset securitization

 

Asset securitization is a financing mode supported by a specific asset portfolio or cash flow, in which tradable securities are issued, namely, illiquid assets are converted to securities for free sale in the financial market in order to make them have liquidity. Asset securitization products exist in the form of fixed income products, similar to bonds.






 

 

Key resources and core advantages of asset securitization 

Due to the complex process of asset securitization, Sinodata has superior resources in three core links of asset securitization, namely, exploration of underlying Assets, securities design/risk control, issuance and underwriting:


The selection of underlying asset interacts with abundant high-quality resources. Participate in Dalian Financial Assets Exchange, Anhui Financial Assets Exchange and Zhejiang Financial Assets Exchange, interact with asset resources by introducing the mature mode: 1. Bind with the government in depth, enjoy trillions of project resources, and march into Xincheng operation project together with CFLD. 2. Since banks have strong demand for credit asset securitization, proactive asset management becomes an irresistible trend, and bank client resources of the company enter into the field to gain ground. 3. Strategically, take advantage of the capital of Aviation Industry Corporation of China to obtain all financial service license support, comply with the demands for the liquidity of ten military enterprises, and march into the securitization of trillions of assets in the military industry. 4. Accumulate a large number of resources of assets purchasers (small and medium-sized banks), and revitalize the trust beneficiary right transfer market.

 

Securities design/risk control, sufficient talent reserve. In order to ensure uniform cash flow of asset portfolio in the future and fully spread the risk of asset portfolio; the multi-tiered partner mechanism of the company attracts a large number of high-end financial talents to join us.

 

Issuance and underwriting, interacting with assets on the Internet cloud platform. Securitized products need to quickly match with the banks, insurance companies, foundations and other prospective investors. The bank-to-bank platform built by the Company has a large number of idle funds of small and medium-sized banks at its disposal, perfectly connecting with the product.

 

Sinodata has been successfully transformed into a leading Internet financial integrated service provider in China, set up the Internet bank ecosystem, reasonably extending in terms of the existing technology, resources and client strengths, and solve the appeals from the government,  regulatory authorities, small and medium-sized commercial banks, securities, insurance companies, trust institutions, foundations and other financial institutions, enterprises and other parties concerning. At the same time, it purchased Binhechuangxin enhances intelligent banking solutions; has increased the investment in Dalian Financial Asserts Exchange and AHCOF, carries out strategic cooperation with the capital of CFLD and Aviation Industry Corporation of China, accelerates the establishment of Internet financial layout, and march into trillions of unknown markets.


Copyright and Trademark Statement | Legal Notices | Contact Us
Copyright:Beijing Sinodata Tech Co., Ltd. All Rights Reserved Jing ICP Bei No. 11010802021696
友情链接:pk10开奖直播  pk10开奖  pk10开奖  北京pk10  pk10开奖直播  

免责声明: 本站资料及图片来源互联网文章,本网不承担任何由内容信息所引起的争议和法律责任。所有作品版权归原创作者所有,与本站立场无关,如用户分享不慎侵犯了您的权益,请联系我们告知,我们将做删除处理!