Financing with orders of retail traders
The client is a leading enterprise in the industry of cell phone distribution, and has established a complete national distribution network, obtained the qualification as a first-tier agency for several top cell phone manufacturers, and possessed the exclusive right as the agency for the best-selling models of a famous cell phone brand. Its downstream traders placed orders over e-shop and made payments for the goods in advance to order cell phones. As in the cell phone industry, new models were usually launched in a concentrated manner, the downstream traders faced considerable temporary financial pressure.
On the basis of a real-time responsive system, the competence in data risk management and in-depth understanding of industrial supply chain, CSCI addresses risks in a proactive manner, assists excellent cell phone retail traders in the downstream of the supply chain in obtaining loans to relieve their temporary financial pressure and promote the selling by core enterprises.
Financing with car dealers’ inventory
The client is a founder and leader of the financial services for the supply chain of used cars in China, initiated the O2O service mode for auto finance, and its businesses have covered such market segments as used car, vehicle logistics, car rental, parallel import and purchase of cars by installment payment.
To optimize asset structure, the client launches a trust scheme of collective funds with used car dealers’ inventory cars being the underlying assets, while CSCI performed credit enhancement for the trust scheme support to the asset monitoring services and data risk management technology services for the assets for financial leasing of cars established on the cooperation platform. Services have been provided to over 200 medium-sized, small and micro dealers of used cars in nearly 30 provinces in China, and expected to be offered to over 1,000 dealers.
Financing for e-commerce merchants
The client is a payment service provider included in the pilot program for cross-border RMB payment and a leading integrated provider of cross-border payment solutions. With respect to cross-border business, it has cooperated with such world-famous companies as PayPal, Apple Pay, Amazon and World First. The client is a mainstream channel for cross-border e-commerce to receive payments and a channel for CSCI to get customers of e-commerce loan. E-commerce loan is offered on the basis of the payments received in advance for the return for the selling by cross-border merchants, the client provides the settlement data of received payments as auxiliary data risk management means; besides, repayments are held back to form a closed loop of funds. By in-depth mining of scene data, and in conjunction with multi-source verification and whole cycle control, CSCI conducts multi-dimensional assessment and verification of borrowers and loan, and provides convenient financing services for credit-worthy e-commerce merchants.
