Basic Services
Application Services
Basic Services
Application Services
We provide intelligent, flexible, safe and reliable data services through our robust data platform for highly effective credit risk management in capital markets. Our comprehensive portfolio includes multi-dimension credit data, enterprise risk persona analysis, early-warning system and various application widgets.
Technology Enablement
Innovative technologies such as NLP, CNN, feature engineering and etc. are deeply used to parse unstructured data and generate meaningful tags. We take advantage of advanced technology to enable finance from data processing to data product design.
Business Effectiveness
With our expertise in capital markets, we build data products that can be easily integrated with existing systems and drive business outcome effectively.
High-quality Data
Our data quality is ensured by compliant data sources, standardized process of data acquisition, production and evaluation, and the proprietary technology platform that optimize the values from multiple data sources.
Reliability and Flexibility
Our service models meet business requirements from various scales or scenarios to ensure reliable and continuous data support by avoiding collecting data through incompliant web crawling.
Data Mall
You can browse and order data products from the data mall. Our portfolio includes: fundamental data products that are comprised of enterprise and personal data, enterprise risk evaluation products, early-warning products such as real-time negative public sentiment monitoring, and scenario-based products such as beneficiary owner identification.
Data Access
You can access our data easily through the REST API, database sync or the cloud. REST API responses in sub-second and time-sensitive data complete the transfer from data sources to end-users in less than ten miniutes. All data are transmitted using TLS protocol to ensure the confidentiality and integrity.
User Management
You can manage multiple users under your organization and configure their roles and privileges separately.
Service Status Monitoring
We'll send you the notificaiton in no time about service interruption, recovery and scheduled maintenance to reduce the operating risk and the support cost.
The Risk Monitoring of Targent Investments
Financial institutions need to quickly identify potential risks to project participants, proactively make judgment and address, reduce or even avoid them.We provide data solutions for all participants of the client's target investments (such as ABS, private placement bonds, and etc.), including stakeholders, administrators, service trusts and rating guarantors. To identify the co-related risk, we add in the enterprise's shareholders to watch, monitor their public sentiment data from the past half-year, which include news and public opinions ( from WeChat, Weibo, Baidu Tieba , forums, and various social media), and push the incremental data daily to the clients. By leveraging the advanced NLP technology and expert experience gained in the capital markets, we conduct effective correlation filtration of massive public sentiments and quickly analyze their positive and negative impacts. As a result, the client gets the risk early warnings that may have huge potential effect on the operation of the enterprise on watch.
Financing Auditing of Small and medium-sized enterprises
Small and medium-sized enterprises show strong demand for financing. Traditonal risk management mode of credit business can hardly be applicated in credit risk management of small and medium-sized enterprises, thus financial services can hardly be popularized. This creates chance for innovating in financing service mode and risk management mode for small and medium-sized enterprises. We have practiced and explored in such fields as auto distribution, distribution of 3C products, accounts receivable of upstream enterprises of the supply chain, and B2C of cross-border export e-commerce.
For diversified scenes, we have formed a component-based data risk management system, with the data service platform interfacing with many external data interfaces, and formed datasets towards scenes and risk management. We establish a multilevel risk evaluation and risk management system. We have realized scene risk management for the whole life cycle covering access, quota, quotation, pricing, post-loan monitoring and early warning, pressing for payment and disposal, and helped to realize credit asset risk assessment and investment decision-making services.
A fintech platform, which is built to service all enterprises through supply chain, leverages distributed ledger technology to keep data secure, authentic, and traceable. By integrating with different parties to synchronize data flow with business flow, users could initiate and pass down digitalized account receivable and also get financed of it in an efficient manner.
Activating Existing AR
Activate account receivables of different tiers of suppliers in anchor company’s supply chain by providing finance services to them based on anchor’s credit capability instead of suppliers’ own credit capability. This will mitigate the liquidity pressure of suppliers and reduce the overall risk of the supply chain.
Improving Efficiency
Instead of connect with all parties through the supply chain, funders could just connect with one blockchain node to get all synchronized information with authorization through distributed network. This will significantly reduce the cost of integration and improve efficiency.
Managing Data Authorization
All the data of transactions are encrypted before being stored in distributed ledger. Only authorized users get access to relevant data. Authorization management can be applied to every field to build a complicated decentralized system.
Mitigating Risk
The distributed ledger based architecture ensures the safety, authenticity and traceability of data. Smart contract technology could minimize the mistake of excessive manual operation and fraud in data input and verification process.
This supply chain finance platform helps financial institutions to provide financial services to whole chain enterprises based on anchor company’s credit capability. By activating the liquidation of account receivables from various tier suppliers, the operation risk of suppliers is reduced. Moreover, closed loop of supply chain network will reduce the financial risk through the process.
Financial services include invoice financing, account receivable transfer and etc. On the one hand, for different tier suppliers, the accounts receivable verified by anchor company can be directly used to pay for the goods from upstream suppliers to reduce the suppliers’ demand for liquidity; on the other hand, the suppliers of various tiers that hold accounts receivable could apply for financing via the platform. Supply chain finance platform will match funders for the suppliers to expand the suppliers’ access to get financing, reduce their financing cost and significantly reduce their liquidity risk.
We offer a leading financial service platform based on Distributed Ledger Technology (DLT), focus on the innovation of DLT product and empower our business partners to quickly build a scalable business applications.
Personal privacy protection
All on-chain data are privacy-protected by using asymmetic cryptographic techniques and trasmitted in a P2P manner. Hacker cannnot interpret the cipher text without private key decription.
No caching of data
All on-chain data are transmitted in a P2P manner, DLT platform does not cache any intermediate results.
Support to financial asset business process
A wide varieties of financial assets, including individual customer assets, enterprise assets, ABS, non-performing assets, and credit enhancement assets can be uploaded to the DLT platform, to realize DLT-enabled business flow covering the asset entire life cycle.
API access to blockchain
Data can be easily uploaded to the DLT platform. Independent development of an blockchain application requires great technical competence and high research & development costs. API access enables building the digital assets of third party institutions, trusted user data and application scenes on the blockchain, forming an universal asset management platform to greatly save time and labor costs.
Multi-level permission control
With private access to control encrypted data, stakeholders have the permission to view data, and others have to be authorized before querying the data.
Support to financial transaction
Financial distributed ledger architecture is adopted for transaction processing that the financial scene cares most, such as transaction sequence and transaction atomicity support.
Business Intelligence backed by DLT
Provide data analytic tools and interfaces for on-chain data that supports business flow.
Asset securitization
The technology of distributed ledger is applied in ABS businesses to bridge business flow and information flow, thus project transparency and traceability are greatly improved.
Financial credit
The technical scheme for credit is devised with the technology of distributed ledger, the closed loop of credit business is established to realize penetration of underlying assets, the authenticity, transparency and traceability of assets.
Transaction of digital assets
We issue real-asset backed digital assets, and by its circulation on DLT platform, asset liquidity can be greatly improved.
Joint credit investigation
Leveraging features built-in DLT such as prevention of unilateral manipulation, and operation traceability, all data and the entire business process can be supervised to mitigate the risk of fraud and falsification.