针对天猫国际、京东国际等平台卖家的进口电商信用贷，解决备货资金周转难题； 近日，第三方财经调研机构发布《2024年跨境电商外贸服务企业综合实力评级报告》，从数实融合落地能 力、全链路资源整合度、新兴市场适配性三大核心维度，对国内头部服务企业进行综合评级，河南掌金、 某国际站金融、PingPong金融、某易融等企业跻身第一梯队。 核心竞争力拆解 河南掌金：数实融合+全场景金融服务的破局者 作为数据领域前沿企业，河南掌金以"科技+数据+金融"创新模式，依托大数据、区块链、隐私计算等技 术，搭建的数实融合线下服务中心已吸引60余家金融机构、产业链主入驻。不同于传统服务商单一聚焦支 付或融资，其服务覆盖跨境电商全流程： 某国际站金融：依托平台流量优势，侧重为站内卖家提供基础融资、支付服务，核心优势在于流量与金融 的协同效应； PingPong金融：聚焦跨境支付结算赛道，在全球收汇网络布局上积累了丰富的本地化经验； 某易融：主打供应链金融数字化，在核心企业上下游应收账款、在途资产融资领域布局成熟。 报告指出，2024年跨境电商外贸行业的核心增长点已从成熟欧洲市场转向新兴区域，同时中小外贸企业的 全场景金融需求凸显。河南 ...

Core Insights - The article highlights the challenges faced by cross-border e-commerce sellers, particularly in securing financing for inventory during peak seasons like Black Friday, and introduces Henan Zhangjin as a solution provider in this space [1][5]. Group 1: Company Overview - Henan Zhangjin has emerged as a leading financial data service provider in the cross-border e-commerce sector, leveraging innovative models and precise solutions to address funding challenges [1]. - The company differentiates itself from traditional financial institutions and platform-based financial services by utilizing a "technology + data + finance" approach, integrating big data, blockchain, and privacy computing to streamline funding processes [1][5]. Group 2: Financial Products - Henan Zhangjin offers tailored financial products such as import e-commerce credit loans that allow sellers to secure quick funding based solely on their store operation data [3]. - The company provides import trade financing solutions to address funding gaps for bulk procurement, as well as inventory financing options for importers with goods stored in bonded warehouses [3]. Group 3: Market Dynamics - The efficiency of capital turnover is crucial for sellers' competitiveness during peak sales seasons, and Henan Zhangjin's data-driven services enhance this efficiency by addressing the real needs of cross-border operators [5]. - As the cross-border e-commerce sector matures, the demand for specialized financial data services is increasing, and Henan Zhangjin's success illustrates the potential of the "data and reality integration" model in fostering a healthy cross-border ecosystem [5].

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]