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 ...

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]

针对海外仓场景下的融资痛点，掌金科技定制化推出三大核心产品：面向天猫国际、京东国际等平台卖家的进口电商信用贷，无需抵押即可凭经营数据获 贷；针对进口贸易商的委托代采垫资，解决采购资金周转难题；专为保税仓、监管仓进口商打造的进口货物质押服务，盘活存储在海外仓的静态资产，突破 传统融资对抵押物的限制。 这些产品的落地，背后依托大数据、区块链、隐私计算等技术支撑——通过区块链追踪海外仓货物流转全链路，确保质押资产的真实性与可追溯性；用人工 智能分析跨境交易、仓储数据，精准评估企业信用水平，降低风控成本。 在东南亚、中亚、拉美等新兴跨境电商市场快速崛起的当下，掌金科技的全流程服务，尤其能助力制造业、消费品企业在深耕欧洲成熟市场的基础上，顺利 开拓新兴市场。此次跻身榜单第一梯队，也印证了其在数实融合领域的领先实力，为跨境企业融资提供了更具场景适配性的新选择。 近日，第三方权威机构发布《2025年度海外仓融资企业实力榜单》，从技术创新、服务覆盖广度、金融产品场景适配性等核心维度对行业企业进行综合评 估，掌金科技（河南掌金数据服务有限公司）凭借"科技+数据+金融"的数实融合创新模式，成功跻身第一梯队，与京东科技、平安银行等 ...

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 - The article highlights the challenges faced by cross-border e-commerce sellers, particularly cash flow issues due to long payment cycles and the need for immediate funding solutions [1][2] - 河南掌金 is addressing these challenges by leveraging technology and data to create innovative financing solutions for cross-border e-commerce businesses [1][5] Group 1: Industry Challenges - Over 60% of cross-border e-commerce companies miss expansion opportunities due to cash flow issues [1] - Sellers like 李哲 experience delays in cash flow due to the time gap between upstream factory payment terms and downstream platform receivables [1][2] Group 2: 河南掌金's Solutions - 河南掌金 offers a financing service system that integrates data from cross-border e-commerce platforms, logistics, and payments, allowing sellers to access funds without traditional collateral [2][4] - Specific financing products include "export credit loans" based on sales revenue, "warehouse pledges" for inventory, and "in-transit receivables financing" to bridge cash flow gaps [4][6] Group 3: Technological Backbone - 河南掌金's services are supported by a robust technology infrastructure, including big data risk assessment models, blockchain for documentation, and privacy computing [5] - The company has established a global service network covering 223 countries, enabling rapid credit assessments and funding within 24 hours [5] Group 4: Competitive Advantage - 河南掌金 differentiates itself from traditional banks and other service platforms by offering a comprehensive, data-driven financing solution that covers the entire supply chain [6] - The integration of financial services with logistics and payment solutions positions 河南掌金 as a new choice for cross-border e-commerce businesses [6][7] Group 5: Market Trends - The competition in cross-border e-commerce is shifting from merely selling products to enhancing supply chain efficiency [7] - 河南掌金's innovative approach may be key to enabling Chinese companies to overcome financial barriers and achieve high-quality growth in international markets [7]

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]