{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","title":"数字经济：内涵与路径","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787521745023","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","uuid":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","title":"数字经济：内涵与路径","normalized_title":"数字经济内涵与路径","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787521745023","isbns":["9787521745023"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":361,"navigation_url":"https://workshop.closeclaw.top/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f","title_url":"https://workshop.closeclaw.top/ai/title/%E6%95%B0%E5%AD%97%E7%BB%8F%E6%B5%8E%EF%BC%9A%E5%86%85%E6%B6%B5%E4%B8%8E%E8%B7%AF%E5%BE%84","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/07d591c2-0f4c-45ac-a1d7-103c4807db8f","page_url":"https://workshop.closeclaw.top/api/ai/books/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page","search_url":"https://workshop.closeclaw.top/api/ai/books/07d591c2-0f4c-45ac-a1d7-103c4807db8f/search"},"page":{"printed_page":253,"pdf_page":252,"physical_index":252,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"65cf7fa0874e8bacf45e9bccb3e6d7efe6949b7ab57bccd49eacb2d91751de38"},"chapter":"第七章","content":"一边是资金压力大、手握优质资产但得不到金融服务的流通企业；另一边是想要提供金融服务，但是因为对流通企业主体不信任、资产看不清、回款难管控，从而无法提供金融服务的银行。为解决上述痛点，聚均科技依据产业数字金融的理念，打造了医药行业的数字化解决方案。\n\n第一，解决方案及价值。\n\n解决方案有三大重点：一是资产验证，解决资产看不清问题；二是严格的资金闭环方案，解决回款难管控问题；三是补充交易信用指标，形成完善的风控体系，且风险透明可视，解决主体不信任问题。\n\n·资产验证方面。聚均科技在梳理了医药行业的业务流程的基础上，探索出了一套标准化的数据采集流程，在被授权的前提下，运用增设物联网设备、纸质单据的电子化识别等多维度技术手段，对数据进行批量化、自动化采集；同时也在被授权的前提下购买第三方平台数据。数据采集后，根据聚均科技业内首创的医药应收账款转确权逻辑，进行单据的自动匹配、穿透验证，剔除中间关键单据缺失、数据有问题、逻辑不合理的资产，形成了合格资产。最后通过区块链对其中的关键数据进行加密，防止篡改，确保数据真实可靠。通过穿透验证，形成了软确权逻辑，解决了医院不配合确权、传统模式无法解决的痛点。该模式通用性广、可复制性强。\n\n·资金闭环管理方面。一是对回款的监控，实现资金的严格回流，并为银行带来低成本的资金；二是该监控是实时自动化的，减少银行贷后人工管理成本，帮助银行提前发现风险、化解风险。\n\n·数字风控方面。打造了一套针对医药行业的完整的数据交易信用预警指标库，根据采集到的颗粒度更细、更高频、更多维的数据进行实时预警，帮助银行补充更为完善的风控体系。同时，资产穿透回款管理以及风险监控过程都是透明可视的，帮助金融机构实时掌握资产的变化情况。\n\n253","previous_page":252,"next_page":254}