Hand over the business of industrial finance to industrial institutions and hand over innovative business to technology companies.
Recently, it was learned that “True Fruit Technology” was at the beginning of this year. Acquired a million-yuan investment invested by the Black Horse Blue Maple Fund. True Fruit Technology was formerly known as Medical Chain Technology. This round of investment is also the third round of investment by Black Horse Blue Maple Fund for True Fruit Technology. Founded in January 2017, True Fruit Technology has previously received two rounds of investment, .
Jia Qiuzhen, founder and CEO of True Fruit Technology, said in an interview that during the first year and a half of the establishment of the original fruit technology (original medical chain technology), it mainly cooperated with Jingdong Finance on the funding channel. The data asset model was developed in the supply chain, and an asset-free evaluation model was established. After more than a year of modeling and business precipitation, the model was productized to form a “Xiexin+” data intelligent credit management platform, which can be used for intelligent evaluation of pan-industry supply chain data assets and assist fund-side risk control decisions.
The traditional supply chain financial model is mainly around “1+N”, that is, one core enterprise + N suppliers. Endorsed by the credit and payment ability of the core enterprise, the supplier transfers the assets such as accounts receivable and business tickets to the factoring company, or finds the financial institution to discount the trade ticket. In this traditional mode, the core enterprise confirms the rights. It is the core problem.
Guiguo Technology provides white label (OEM) services for core enterprises with the productized “ICT+” asset digital financing service platform, supports core enterprises to build their own industrial financial platforms, and helps core enterprises to build their own platform assets. Determine the power and realize the industry’s self-financing operation model. Under the “ICT+” business platform, True Fruit Technology provides three core competency modules: the platform “data +” for asset data integration management, and the blockchain application platform for asset identification and transfer management “Anxin+ “, and the data intelligent management platform responsible for financial risk control modeling “recruitment +”.
CEO Jia Qizhen introduced that “ICT+” is not only applied to the scenario of core enterprise-defined assets, but also for the financing of data assets and the financing of bill assets.Empowerment.
– Data assets, the so-called data assets, refer to the data assets generated based on the transaction data of the supply chain enterprises through the asset confirmation and evaluation model pricing of “Anxin+” and “Xiexin+”;
– Bill assets. In the past, financial institutions generally only accepted the direct discount business of ticket enterprises. The credit assets of bills were transferred in the supply chain system. The problem was risk control. Through the blockchain asset identification and intelligent evaluation model, True Fruit Technology guarantees the authenticity of the underlying assets of the supply chain with technology, and controls the credit according to the approved quota.
CEO Jia Qizhen tells that there are two types of operation methods of True Fruit Technology: self-operation and channel operation. Self-operating refers to the self-built business team of Zhenguo Technology, which directly expands the cooperative assets and connects the assets to the “ICT+” platform for operation. The self-operating income is 1%-2% of the annualized interest rate of the loan balance; channel operation It is based on “ICT+” to provide product OEM services for asset-side core enterprises or funders. The joint operation model includes profit of 600,000/year technical service fee and joint operation revenue share. At present, the channel partners of True Fruit Technology include Tencent, local governments, and industry associations.