Recruitment of silver cloud creation cost management SCO, helping bank scene financial ecological construction

Under the wave of digitalization, "scene finance" has become a strategic consensus for bank transformation. The scene is the basis for the digital operation of the bank. "High -frequency just need scenes" constitutes the core competitiveness of bank digital services. At the moment when major banks compete for the layout of the scenario, seize the "high -frequency just need scenes" and become an important part of the financial strategic victory of the bank scene.

In fact, with the development of the consumer Internet, the C -end personal consumption scenarios such as hydropower properties, transportation ETCs, and catering shopping have already become the focus of major banks, and the market share has basically been divided into division. When the dividend of the consumer Internet has gradually disappeared, the industrial Internet develops rapidly, and which B -end high -frequency corporate scenarios should be deployed, and to accelerate the landing of scene financial strategies?

The choice given by the recruitment of Yinyun is -focusing on the high -frequency scenario of corporate expenses expenditure, and "SCO Management SCO" as the carrier, and jointly build an open corporate scenario -based expense management ecosystem together with banks. "Scenaries Management SCO" is a new generation of smart expense management SaaS products launched by recruiting Yinyunchuang. Relying on platform -based and ecological business models and digital services for one -stop whole scenes, the cost management upgrades of enterprises are emphasized to help the cost management upgrade, helping to help Financial and ecological construction of bank scenes.

Open multiple high -frequency just need scene inlet

For a long time, although the needs of corporate travel and car use, although rigidity and high frequency, it is a fragmented long -tail market. Due to the high cost of its scene operation, few banks are involved in.

"Multi -platform consumption, many handmade documents, difficult data collection, personal complaints ... Do you have a tool to help our financial staff management expenses?" A senior financial management expert inside the recruitment of banks admitted frankly "In the past, the China Merchants Bank team often heard similar distress during the service company." This has also become the origin of the SCO of recruiting Yinyunchuang to create a scenario -oriented expense management.

As a subsidiary of China Merchants Bank's financial science and technology subsidiaries, China Merchants Yinyun Chuang adhering to the ability of China Merchants Bank's genes and technological innovation, it is easier to achieve "insight from the financial perspective and operate the scenario with scientific and technological innovation." From the perspective of recruiting Yinyunchuang, "collecting scattered corporate travel, travel and other needs, and making one -stop expenditure expenditure management products with full -process multi -scenes, will be valuable for the digital upgrades of both enterprises and banks. "

The application of digital technologies such as big data, cloud computing, and the Internet of Things has allowed enterprises to connect a closed -loop series with the same attribute with the same attribute with the same attribute. The "scene interconnection" with data as the core provides positions and entrances for scene finance.

Based on the interconnection of the management of corporate expenses, the SCO of the recruitment of silver cloud creation cost management SCO focuses on high -frequency expenditure expenditure scenarios such as corporate travel, travel vehicles, and enterprise procurement. Through the "expense management brain", enterprises have realized the scenario of financial flow and platformization, and opened up a new path for banks to seize high -frequency just need scenes.

Construct a closed loop of traffic to enhance user viscosity and differentiated services

In July 2021, the "White Paper for the Development of the Financial Scene Ecological Construction Industry" released by Bank of China pointed out that financial scenarios have four basic elements including financial services, financial products, non -financial services, and content information. High -value scenario finance has the attributes of high -frequency rigid demand, closed -loop flow, controlling risks, and sustainable value conversion.

In terms of information flow, the full -process information flow of user services must be realized on a platform. Scenic cost management SCO is based on the consumption of enterprise procurement, travel, travel and other scenarios, and aggregates various high -quality service provider resources such as procurement, air tickets, hotels, travel, etc. At the same time Gathering service, expense management and financial services are integrated with the scene. Through the SCO, enterprises realize the full -process closed -loop management of budget control, online booking, invoice management, payment of accounts, account management to account visual, capital collection, and data analysis.

In terms of capital flow, the complete closed loop of capital flow from "fund demand-funding-platform consumption" is another important feature of scene finance. Scenaries management SCO built -in enterprise -level payment settlement module to realize the efficient capital flow management of "one platform, one account". Enterprise capital accounts can choose three models: enterprise pre -deposit, bank credit, and credit card. This mechanism allows enterprises to form a high -stick deposit and loan interaction with banks. Banks can provide credit to enterprises based on corporate needs and platform historical data. At the same time, due to the closed -loop system driven by the SCO platform based on real demand, the demand for funds for enterprises to procurement and travel is met by the banks in the platform, and the targeted use and data tracking of the corporate credit line can be tracked in the platform. In addition, SCO's multi -dimensional visual data analysis provides a strong starting point for bank risk control and greatly improves the risk control capacity of bank financial services.

The traditional bank's customer value conversion is based on sales of financial products, and the lack of non -financial services to connect users and enhance stickiness. Scene cost management SCO is the core of service operations that are non -financial needs of enterprises. Based on platform data, accurately depict customer portrait and predictive needs, and build a benign and sustainable scenario ecology. Recruitment Bank Yunchuang is exploring access to more financial institutions such as banks and providing innovative diversified financial services by financial institutions to enhance banks' differentiated capabilities in customer acquisition and product innovation.

Professional scenario runs, build an open ecosystem

As the first domestic monograph on research scene finance, two scholars of Yang Zhe and Huang Mai believed in the book "Scenario Finance" they believed that scene finance "three -point construction, seven -point operation". From the perspective of industry practice, whether it is "self -building" or "scene integration", the basis of scene finance is scene, the core is data, the key is operation. But scene operation is not the gene and advantage of traditional finance. In the process of industrial scenarios, how can banks make up for the lack of scene operation capabilities? Choosing a professional third -party scene operation partner and carrying out "scene integration" is an effective way to solve this problem.

Scenes management SCO's scene financial ecology, mainly including the four participating entities: capital side, scene operator, scene service party, and consumer party. As a scenario operator for corporate expenses, since the launching market -oriented transformation in March 2020, recruiting Yinyunchuang has drawn on the operating mechanism and productization thinking of Internet technology companies, and uses the technological capabilities and professionalization of China Merchants Bank for more than 30 years. Operating capabilities, establish a cross -regional and national ecological platform of "scene+data+finance". Scene cost management SCO provides banks with a variety of flexible and open ecological cooperation models such as bank -enterprise direct connection and financial service access. Banks can also use SCO as a value -added service to its own financial service platform. As a fund party, the bank provides the development of financial services and the risk management of ecosystems. In this ecological collaboration model, banks do not have to spend too much energy on scene construction and marketing, and can focus more on the innovation and risk control of financial services.

Scene finance is a multi -dimensional change in banking, path, technology and culture. Compared with the high investment and difficult operation of the bank's "Scenario Self -Construction" model, the scenario -oriented cost management SCO created by the recruitment of banks is for banks to explore "scene integration" and accelerate the high -frequency rigidity of scene ecological construction in the industrial Internet era. New path selection.

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