2026年1月9日，金蝶征信凭借在企业数字信用领域的持续创新与规模化落地，入选毕马威中国金融科技 企业双50榜单，并荣获产融科技赛道奖项，实现五度蝉联。 2025年，围绕产业链真实交易与经营场景的融资需求，金蝶征信在细分场景上讲出了新故事——在医药 流通场景，推出金蝶信用付"药店白条"，将授信嵌入订货与支付链路，帮助药店、诊所等经营主体提升 周转效率；在医疗器械流通场景，推出金蝶信用付"中标贷"，围绕中标与履约环节提供更贴合的资金支 持，助力上下游企业更稳健经营。 "企业关系图谱"与"税票反欺诈AI模型"也是金蝶征信技术创新的集中展现，实现了其数据价值在信贷风 控领域落地。"企业关系图谱"基于全国超2亿工商司法数据、4000万交易企业节点及海量授权税票数据 构建，可穿透核心企业最多6层交易关系，精准刻画产业链生态，帮助银行批量筛选优质客户、识别关 联风险。而"税票反欺诈AI模型"则运用"AI+GraphRAG"技术，动态融合多维度企业经营数据，能够有 效识别虚开发票、空壳企业及关联洗票等欺诈行为，拦截99.95%欺诈风险，显著提升金融机构风控效 率。 金蝶征信表示，五度蝉联既是认可也是鞭策。面向AI时代，公司 ...

Core Insights - The article highlights the launch of "Yue Ten Cold Chain Loan," the first online financing product in China that integrates big data with the agricultural cold chain industry, aimed at addressing the financing challenges faced by small and micro enterprises [1][2] Group 1: Product Innovation - The "Yue Ten Cold Chain Loan" utilizes an all-online cold chain order financing model, leveraging big data technology and core enterprise credit transmission to alleviate the financing difficulties of small and micro businesses [1] - The product allows merchants to apply for funding through an online platform, with approval processes completed in as little as 24 hours [1] Group 2: Industry Impact - The integration of "smart big data + AI algorithms" by Yue Ten Supply Chain creates an efficient and transparent agricultural cold chain ecosystem, enhancing operational efficiency and reducing costs across the industry [2] - The initiative not only supports food safety but also injects strong financial momentum into the integrated development of urban and rural economies [2]