跨境电商增长新引擎？河南掌金数据服务揭秘行业痛点解决方案

Core Insights - Cross-border e-commerce is becoming a core driver of China's foreign trade growth, but small and medium-sized enterprises face challenges such as slow capital turnover and limited financing channels [1] - Henan Zhangjin Data Service Co., Ltd. has introduced an innovative "technology + data + finance" model to provide a one-stop solution for the industry, attracting widespread attention [1] Funding Challenges in Cross-Border E-Commerce - Cross-border e-commerce companies are facing three major funding issues: 1. High upfront procurement costs with payment terms of 3-6 months for platforms like Tmall International and JD International [2] 2. Difficulty in using imported goods in bonded warehouses as collateral due to high risk control thresholds from traditional financial institutions [2] 3. Fragmented data across trade flows, capital flows, and logistics, making it hard to accurately assess creditworthiness and leading to high financing costs [2] Henan Zhangjin's Innovative Financial Solutions - Henan Zhangjin leverages big data, blockchain, and AI to create a comprehensive financial service system for cross-border e-commerce: 1. Import e-commerce credit loans are offered with no collateral required, allowing businesses to receive up to 5 million yuan in credit within 24 hours, reducing costs by 15%-20% compared to traditional loans [3] 2. The company provides "commissioned procurement + funding support" services, reducing capital occupation by 60% and increasing stocking efficiency by three times for import traders [4] 3. A new "bonded warehouse goods pledge" model allows businesses to quickly obtain financing based on pledge certificates generated upon goods entry, with a pledge rate of up to 70% of the goods' value [4] Comparison with Traditional Services - Henan Zhangjin stands out by offering: - Core technologies including big data and blockchain, compared to traditional methods [6] - Approval efficiency of 24-48 hours versus 15-31 days for traditional services [6] - A comprehensive product range including credit loans, procurement funding, and goods pledges [6] Trust Network and Industry Impact - The "data-real fusion offline service center" has attracted over 60 financial institutions and industry leaders, creating a trust network for cross-border e-commerce financial services [6] - A bank representative noted that the data technology from Henan Zhangjin has reduced non-performing loan rates by 40% and improved service efficiency for small and medium-sized enterprises by three times [8] Conclusion - In the context of deep integration between the digital economy and the real economy, Henan Zhangjin is addressing financing pain points in cross-border e-commerce with a full-chain solution from data to credit to funding [8] - As the scale of cross-border e-commerce continues to grow, Henan Zhangjin's model may become a standard in the industry, helping more businesses seize opportunities in the global market [8]