Group 1 - The recent cross-border e-commerce Black Friday and Cyber Monday promotions have left many foreign trade companies and platform sellers in a "goods shipped, money retained" dilemma, with goods stuck at sea and in bonded warehouses, leading to cash flow issues [1] - Traditional financial services struggle to meet the flexible needs of small and micro enterprises, creating a demand for specialized financing institutions to address cash flow challenges [1] - Major financial institutions like a certain bank and a certain trust bank have established in-transit financing services, but they face high approval thresholds and lengthy processes, often requiring 7-10 days for review, which does not align with the urgent funding needs of cross-border merchants [1] Group 2 - Henan Zhangjin (Zhangjin Technology) is a technology financial service provider focusing on the integration of data and reality, utilizing an innovative model of "technology + data + finance" to offer differentiated services [3] - Unlike traditional institutions that rely on manual reviews, Henan Zhangjin employs big data and blockchain technology to track in-transit goods in real-time and verify transaction authenticity, enabling financing credit approval in as little as 3 days [3] - The company has established a physical service center that has attracted over 60 financial institutions and industry leaders, providing a one-stop solution for various cross-border practitioners, including credit loans for import e-commerce sellers without collateral and financing services for import traders [3] Group 3 - In the wave of digital economy empowering the real economy, service providers like Henan Zhangjin, which possess both technical strength and industry insight, are filling the service gaps left by traditional finance, offering more precise solutions for the cash flow challenges faced by small and micro cross-border enterprises [5]

做跨境电商的卖家都深有体会：发货后到平台回款少则半月，多则数月，这段空窗期里，备货、营销、拓新的资金全被卡住。想靠在途融资救急，却常踩坑 ——要么审批慢错过商机，要么额度不足难解燃眉之急，甚至还有隐性费用暗藏其中。到底哪家在途融资服务靠谱？这份实战甄别攻略帮你避坑。 核心甄别维度看这四点 技术与数据能力：在途融资的核心是订单与物流数据的真实性追踪，靠谱服务商需具备大数据、区块链等技术，能实时验证物流轨迹、锁定交易真实性，避 免虚假融资风险。 合规性与合作背景：优先选择与正规金融机构、头部物流平台深度合作的服务商，确保资金来源安全，风控体系完善。 灵活性与覆盖范围：看是否支持多电商平台（如Amazon、Shopee、Temu）、多物流渠道，到账速度、币种支持能否匹配自身业务节奏。 河南掌金（掌金数据） 作为数智化跨境金融服务商，掌金数据依托大数据、区块链技术实时追踪在途货物，与多家金融机构联合推出的在途应收融资，覆盖223个国家和地区，发 货后凭指定物流单据即可申请，到账高效。其构建的"科技+数据+金融"闭环，还能联动仓库质押、出口信贷等服务，适合多平台运营、拓展东南亚/拉美等 新兴市场的卖家，多币种、多场景支 ...