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 ...

(来源:湖南金融) 会"说话",信用能"生钱 十亿"流水贷"背后的湖南惠余命剑部等实 湖南日报全媒体记者 雷炜信 通讯网 手良智 全业经营演水不是冰冷的数字 "说话"的经济身份证 ; 企业信用 分,更能化身"隐形资产"提动资金活水 目前,记者从调查时依全融和险事例 湖南省征信有限公司(下称"清源 到,该公司在中国人民银行湖 分行的指导和支持下,联合省内各部总 行到新电机会","我"来说""。"。看了 年11月末,已为省内4.8万户中 发放纯线上、纯信用贷款,规模实破千亿 从3年前的试点探索到如今的手仪课 ,这种变化不仅重构了中小微企业融资 赵,更彰显了普基金融的深层价值, 应需而生的普惠金融创新 "演出会"的诞生,题于对 准回应。长期以采,中小微企业"融资 融资量"始终是制的实体经济发展的 银企信息不对称导致 不愿贷",多数企业缺乏传统抵押物,融 返消诗一步收窄 常德市石门县一家农业企业负责人网 首介绍,企业享受税收减免优惠,通过目 数据仪施获得60万元的银行贷款额度 通过"流水贷"以经营液水为核心测额, 功获败 300万元段信 南征信总经理徐亮介绍,"流水货"的核4 变酸,在于将"无形流水"转化为"有影信 ...

新华财经北京12月11日电（记者 翟卓）作为金融"五篇大文章"之首，科技金融是激活科创动能、推动 产业升级的核心引擎。 记者日前赴江浙皖等地调研了解到，为破解银企短期合作导向、风险收益不匹配等顽疾，各地因地制 宜，从创新一项产品、搭建一个平台等小切口着手，助力科创企业获得更具耐心的资本支持、推动银行 同业化竞争为共赢，促进科技金融迈向更具商业可持续的良性循环。 ——探索"深度合作" 银企在皖"结伴"成长 在安徽合肥，成立于2019年的安徽中科昊音智能科技有限公司，是一家聚焦于工业声纹监测解决方案 的"黑科技"企业，可以将机器设备运行中产生的声音转化为可视化波形图，相当于给它们用上了24小时 的"心电图"。 据中科昊音联合创始人徐泉介绍，公司以AI声纹算法为基础，致力于能源、水利、矿山、钢铁、交通 等监测设备的研发与生产，部分领域声纹识别准确率高达99.84%。但因为产能扩张存在资金缺口，一 时间企业出现了融资难题。 随着银企合作不断加深，今年2月，兴业银行合肥分行又基于公司需求将纯信用授信额度扩盘至2000万 元；中科昊音也在10月份正式成长为专精特新小巨人企业。 而为更好丰富"共同成长计划"，中国人民银行安 ...

Core Insights - The launch of the "Enterprise Tax Invoice Report" by the company aims to provide compliant and real data analysis for small and micro enterprises, addressing issues like information asymmetry and lack of operational data [1] Group 1: Data and Technical Advantages - The report utilizes a multi-dimensional data analysis system based on authoritative databases and over 30 million scenario indicators, employing AI algorithms for deep analysis of enterprise tax invoice data [2] - It ensures real-time updates of enterprise tax and invoice records, maintaining the timeliness and accuracy of the reports [2] Group 2: Application Scenarios and Market Positioning - The report can assist in enterprise loans and financing by analyzing tax-related information and operational risks, thereby optimizing asset-liability structure and cash flow to improve loan approval rates [4] - It aids in supply chain management by verifying the financial and tax health of upstream suppliers and downstream customers, enhancing supply chain robustness and reducing cooperation risks [5] - The report enables internal cost control by allowing enterprises to self-check tax invoice data, optimizing procurement strategies and tax declaration processes [6] Group 3: Value for Enterprises - The report lowers financing thresholds for small and micro enterprises, enabling them to dynamically optimize their operations and risk management, thus increasing financing success rates [7] - It helps in avoiding tax risks by analyzing data from the tax invoice report to identify issues promptly, thereby reducing operational risks [8] - The report enhances decision-making efficiency by quickly generating visual reports for management and investors to understand the enterprise's tax invoice status [9] Group 4: Future Outlook - The company plans to collaborate with Sichuan Credit to continuously optimize data models and service systems, aiming to establish a more comprehensive enterprise credit evaluation ecosystem that injects data-driven momentum into the real economy [10]

Core Insights - The 2025 Sustainable Global Leaders Conference is being held from October 16 to 18 in Shanghai, focusing on sustainable development and collaboration in various sectors [1] - The conference is co-hosted by the World Green Design Organization and Sina Group, with support from the Shanghai Huangpu District Government [1] Group 1: Key Themes and Discussions - The conference features a special forum by Sheneng Group discussing topics such as creating a sustainable development model in the East and exploring new growth paradigms for Shanghai's five centers [1] - Chen Lianggui, General Manager of Shanghai Credit, emphasized the importance of data-driven capabilities and green development capabilities in enhancing Shanghai's sustainable competitiveness [3] Group 2: Data and Green Development - Data is recognized as a critical driver for sustainable development, having been classified as the fifth production factor in China since 2019 [3] - Shanghai has established a comprehensive support system for data development, including the formation of approximately 100 data groups nationwide and the establishment of the Shanghai Data Group in September 2022 [3] Group 3: Infrastructure and Financial Innovation - Chen Lianggui highlighted the need for data to flow freely, akin to essential utilities, and called for the construction of infrastructure for data circulation [5] - Shanghai is promoting green financial innovation to facilitate the green transformation of traditional industries and the cultivation of future industries, supported by a green financial service platform [5] - The platform includes a green-themed database, integration of various financial products, and a voluntary information disclosure system for SMEs to connect with international markets [5] Group 4: Sustainable Competitiveness - The synergy between data-driven and green development capabilities is seen as a "dual-engine" driving Shanghai's sustainable development [5] - This collaborative development aims to deepen the integration of digitalization, intelligence, and greening within industries, forming a unique sustainable competitiveness system for Shanghai [5]

Core Viewpoint - The strategic cooperation between Wind Information and regional equity trading centers in Beijing and Shanghai marks a significant advancement in shareholder registry public disclosure and information transparency in the regional equity market [1][4]. Group 1: Information Transparency and Public Disclosure - The shareholder registry serves as a crucial basis for confirming shareholders' legal rights. Through this cooperation, companies can choose to authorize the public disclosure of their shareholder registry, which will be displayed in real-time via Wind's enterprise database GEL, including shareholder names, shareholdings, and ownership percentages [2][4]. - This mechanism not only ensures timely updates of information but also provides internal qualification recognition and external public counteracting effectiveness for the shareholder registry, effectively addressing information asymmetry issues faced by small and medium-sized enterprises in scenarios such as equity transfers and financing [2][4]. Group 2: Role of Wind Information - Wind Information, as a compliant and professional credit agency established in 2016, offers a range of enterprise credit products, including global enterprise databases, risk monitoring, credit reports, due diligence reports, and various risk assessment reports, supporting financial institutions, government organizations, and large enterprises in data product services [5][8]. - The company aims to continue collaborating with equity trading centers to enhance the application of core business scenarios such as shareholder registries, pledge registrations, and information disclosures, contributing to the financing and capital market transparency for small and micro enterprises [6][7]. Group 3: Data and Technology Advantages - Wind Information boasts a vast database covering over 350 million global enterprises, providing comprehensive corporate profiles, including business information, equity structures, executive teams, investment records, operational data, intellectual property, and judicial risks, which aids in due diligence, risk assessment, and customer selection [7][8]. - The company emphasizes its commitment to data quality and timely updates, leveraging over 20 years of technological innovation in data architecture, collection, mining, and analysis to empower data-driven business scenarios [8].

Core Insights - The collaboration between Wind Information and regional equity trading centers in Beijing and Shanghai marks a significant advancement in shareholder registry services, enhancing transparency and information accessibility in the equity market [1][4]. Group 1: Strategic Collaboration - Wind Information has established strategic partnerships with Beijing Equity Exchange and Shanghai Equity Custody Trading Center, indicating a breakthrough in shareholder registry and transparency initiatives [1]. - This partnership allows companies to authorize the public disclosure of their shareholder registries, which will be updated in real-time through Wind's enterprise database, enhancing the recognition of shareholder rights [2][4]. Group 2: Information Transparency - The public disclosure mechanism of shareholder registries addresses information asymmetry issues faced by small and medium-sized enterprises during equity transfers and financing [2]. - The collaboration aims to create a more favorable market environment for corporate financing and capital matching by improving the efficiency of information retrieval [4][6]. Group 3: Wind Information's Role - Wind Information, established in 2016, offers a range of compliance-based credit products, including global enterprise databases, risk monitoring, and various credit reports, supporting financial institutions and large enterprises in due diligence and risk assessment [5][7]. - The company aims to further empower the capital market and support the real economy by enhancing the application of shareholder registries and information disclosure [6]. Group 4: Data and Technology Advantages - Wind Information boasts a vast database covering over 350 million enterprises globally, providing comprehensive corporate profiles that include ownership structures, executive teams, and financial data [7][8]. - The company emphasizes its commitment to data quality and timely updates, leveraging over 20 years of technological expertise in data management and analysis [8].

Group 1 - The core issue facing the banking industry is the "scarcity of quality assets" in the inclusive credit business, which can be addressed through a "data + scenario" collaborative model [1] - Current inclusive credit operations primarily rely on the "bank-tax interaction" mechanism, which reflects the results of business operations rather than real-time dynamics; invoice data is emerging as a crucial supplement [1] - Case studies presented at the conference illustrate that transaction data is more indicative of a company's true creditworthiness compared to traditional tax and financial reports [1] Group 2 - High-quality data is essential for the sustainable development of inclusive finance, emphasizing the need to not only possess data but also to understand it within specific industrial contexts [2] - The newly launched "Tax Invoice Anti-Fraud AI Model 2.0" by the company integrates AI and GraphRAG technology to identify fraudulent activities, enhancing risk management in loan approval and monitoring [2] - The challenge of distinguishing quality small and medium enterprises (SMEs) is prevalent among banks, with the company suggesting that quality SMEs are often embedded within supply chains rather than being concentrated among leading firms [3] Group 3 - The company has developed a service model called "one industry, one solution" in collaboration with major banks, embedding credit services directly into real transaction chains [3] - Utilizing transaction graphs and privacy computing technology, the company can analyze the authenticity and continuity of invoice data, creating a whitelist of quality enterprises within the industry ecosystem [3] - Within three weeks of launching this service model, the credit scale exceeded 60 million yuan, demonstrating the feasibility of this scenario-based service approach [3]

Group 1 - The evaluation of "Hunan Province Famous Trademark Brands" is a rigorous quality project, involving multiple levels of strict review to ensure the brand's market influence, reputation, innovation capability, intellectual property protection, and social contribution [2] - The recognized famous trademark brands are not just certificates; they are integrated into a multi-dimensional dissemination and protection system through collaboration with the credit platform Qichacha, enhancing brand visibility and credibility [2][3] - Qichacha, as a comprehensive credit service platform, provides a dynamic database of over 365 million enterprises, facilitating quick verification of brand qualifications and reducing information asymmetry for both consumers and business partners [3] Group 2 - Hunan has cultivated and recognized hundreds of famous trademark brands across various advantageous industries, and the involvement of third-party platforms like Qichacha is transitioning these brands from administrative recognition to market acknowledgment [4] - The dual drive of "credit + technology" in Hunan's approach is creating a new path for intellectual property protection, with expectations for increased innovation and a stronger brand matrix in the region [4]

Group 1: Policy Impact - The "Big and Beautiful Act" introduced by Trump in 2025 poses significant challenges for UK companies, particularly through the imposition of up to 20% retaliatory tariffs on what are deemed "unfair foreign taxes" [3] - The automotive industry in the UK is particularly affected, with Jaguar Land Rover facing increased costs of several thousand dollars per vehicle due to a 25% tariff on imported cars, leading to a pause in expansion plans in the U.S. [3][4] - The Scottish whisky industry has seen an 8% decline in exports to the U.S. due to a 10% tariff, with market share being eroded by French cognac [3] Group 2: Investment Confidence - A dramatic drop in investment confidence is evident, with only 2% of UK executives considering the U.S. an attractive investment destination, while confidence in the domestic market has surged from -12% to +13% [4] - Foreign direct investment (FDI) in the U.S. fell to $52.8 billion in Q1 2025, the lowest since the pandemic began in 2022, indicating a significant capital withdrawal [4] Group 3: Industry Shifts - Energy-intensive companies are relocating production back to the UK or Europe due to the high electricity costs in the U.S., which are four times higher than in the UK [5] - The technology sector is experiencing a notable shift, with UK quantum computing startups being acquired by U.S. firms, prompting the UK government to invest £500 million in quantum technology over the next four years [5] Group 4: Post-Brexit Challenges - Post-Brexit, the UK faces dual challenges from Trump's policies and EU negotiations, with FDI projects declining by 12% in 2024, marking an 18-year low [6] - The UK is at a disadvantage in negotiations, having to accept "poison pill clauses" in trade agreements that exclude Chinese companies from key supply chains, further weakening competitiveness [6] Group 5: Strategic Capital Movements - UK companies are initiating a "de-Americanization" process, with firms like AstraZeneca and Stellantis shifting investments from the U.S. to Germany and Poland [7] - International capital is also reflecting this trend, with Canadian and Australian funds reducing U.S. asset exposure and increasing investments in UK renewable energy projects [7] Group 6: Future Outlook - The policy shifts and capital movements indicate a potential restructuring of global capital dynamics, with a focus on regional collaboration, technological sovereignty, and institutional resilience [8] - The ongoing changes may lead to the emergence of a new business paradigm that prioritizes stability over political risk, suggesting a shift in global investment strategies [8]