Achieve end-to-end digital and collaborative management of the entire product line and process of supply chain finance.
Financing difficulties for small and micro enterprises (SMEs) have long been a pressing issue in China's economic development. SMEs, often in a weaker position within the industrial chain, generally resort to credit sales and other methods that sacrifice capital turnover efficiency in order to secure long-term business. SMEs face dual pressures from financial and operational challenges, making them more vulnerable to external economic conditions. Therefore, accelerating the development of supply chain finance services such as accounts receivable factoring, order financing, and movable asset financing is of great significance in improving SMEs’ capital turnover efficiency and supporting their growth.
Supply chain finance starts from the overall supply chain and utilizes financial technology to integrate logistics, capital flow, and information flow. It builds an integrated financial supply and risk assessment system involving core enterprises and upstream and downstream enterprises in a real transaction context. The system offers comprehensive financial solutions to rapidly respond to the settlement, financing, and financial management needs of enterprises in the supply chain, reducing costs and increasing the value for all parties involved.
The GienTech Supply Chain Finance System, with over a decade of experience in the supply chain finance field, adopts a self-developed and mature technical framework. It provides full-process management of the three major types of supply chain finance (accounts receivable, prepayment, and inventory) and offers reliable system support to business managers. By digitizing business and asset management, it fosters the integration of industry and finance, helping core enterprises enhance the overall efficiency of their supply chain networks and improve their competitive capabilities. Additionally, it assists financial institutions in business management and operational innovation, enabling the rapid acquisition of quality credit assets, improving credit decision-making efficiency, and reducing the risks associated with credit assets.
Supports the innovation of financial service models and products, improving the service quality and operational efficiency of supply chain finance enterprises while reducing operational costs.
The GienTech Supply Chain Finance System uses a microservice architecture design to support online collaborative operations among various customers (sellers, buyers, fund providers, and partners) in the supply chain trade. It enables all parties in the supply chain to track, query, and operate online, with timely information sharing. The system also visualizes key business indicators and warning indicators to provide global and multi-dimensional control over the business.
The system consists of two subsystems: the supply chain finance portal and the supply chain finance business management system. It includes various modules such as online registration/verification, business application, supply chain management, financing management, and system services.
- Core Services
Includes functions such as organization management, user permission management, report management, process management, interface management, scheduled task management, security management, message management, and system parameter management. Through continuous refinement of these core capabilities, we provide stable, secure, and flexible support for business operations management.
- Financial Portal
Includes functions such as user registration, user authentication, business application, contract signing, and business inquiry. Through end-to-end online operations, we achieve cross-domain services, enhancing the efficiency and experience of business processing.
- Supply Chain Management
Includes functions such as order management, accounts receivable management, shipping, inventory management, stock in/out, and goods retrieval management. It facilitates the collection of trade data across enterprises in the supply chain. Further data analysis is used to achieve cross-validation of business trade background authenticity, business trend forecasting, and deepen industry understanding, ultimately enhancing risk control capabilities.
- Financing Management
Includes functions such as financing application, financing acceptance, financing limits, loan disbursement, loan repayment, and fee/interest management. It enables full-cycle financing management, allowing financial institutions to track customer financing status in real time.
- Post-loan Management
Includes functions such as repayment management, commercial dispute management, collection management, overdue management, market watch management, and early warning management. Through multidimensional data, it uses automatic warnings and manual checks to provide comprehensive risk management.
- Online Collaborative Operations
The supply chain finance system offers full-process online services such as online disbursement, online pledge, online transfer, online contract signing, online payment collection, online redemption, and online repayment. All parties involved in supply chain business can track, query, and operate online, ensuring transparency and timely information sharing.
- Flexible Product Configuration
By combining and configuring business components such as trade participants, financing targets, loan disbursement, limits, documents, and fees, along with specific extended business components, new products can be assembled to support new business models and meet differentiated business management needs.
- Scenario-based Risk Management
Supports the diverse and varied financial management needs of enterprises across different industry chains, utilizing multi-level, multidimensional, and structured configurations. It meets the needs of multi-scenario management, enabling the collaborative management of market risks, credit risks, operational risks, and more.
- Differentiated Fee Configuration
Configures differentiated fee structures for transaction scenarios such as document entry, transfer, loan disbursement, repayment, and redemption (e.g., based on fixed amounts, percentages, number of documents, interest methods, payees, etc.), allowing for flexible fee collection across various transaction scenarios.
- Intelligent Business Processing
Utilizes process engines to configure personalized approval processes based on product, agreement, and function dimensions. Automated parameters are set for certain stages of transactions, allowing transactions to be processed automatically and improving approval efficiency. OCR technology is used to recognize and verify invoices, ID cards, bank cards, business licenses, etc., automatically generating structured data to enhance operational efficiency.
- Diverse Early Warning Management
Provides management for clients, contracts, credit limits, documents, collateral, financing, payments, fees, etc., and issues timely warnings based on credit alert lines, accounts receivable terms, maturity, overdue days, in-transit days, price fluctuations, value changes, and other factors affecting the risks in supply chain trade finance.
- User-friendly Interface
The Dashboard (intelligent dashboard) displays key metrics and business indicators to managers and enterprise clients. Through graphical representations of key business indicators and early warning metrics (e.g., bar charts, line charts, pie charts), it enables comprehensive, multi-angle control over the business.
- Integrated Xinchuang Adaptation
Completed full-stack adaptation with domestic infrastructure providers such as Feiteng, Kunpeng, and Dameng, forming an integrated innovation platform to meet the high availability and high-performance requirements of a fully localized supply chain financial services platform.
