New Hope Group has four industrial clusters, namely, agriculture, animal husbandry and food, chemicals and resources, land and infrastructure, finance and investment. It is a large-scale private group enterprise of agriculture and animal husbandry integrating agriculture, industry, trade and science, and one of the national key leading enterprises of agricultural industrialization in China.
the new hope group has greatly expanded in agriculture and food industries, and the layout of the whole supply chain, that is, the intensive level from field to table, is improving. However, due to the scattered agricultural production, limited intensive degree, long industrial chain of agricultural products trading and circulation, loss of information, poor credit system of agricultural products trading chain and insufficient guarantee of transaction compliance, the development of agricultural supply chain still faces challenges such as financing difficulties and expensive financing. Take the pig industry as an example, its industrial chain is a link that is sold to the table through crop planting, feed processing, establishment of sales channels, animal husbandry, slaughter/processing, meat sales, etc., and it is a complete closed-loop industrial chain of agriculture and animal husbandry.
each of these mobile links has generated huge capital demand, and faced with huge capital pressure, agriculture, supply chain and finance have emerged. From the business logic point of view, the new supply chain financial model of agricultural supply chain scheme builds a third-party supply chain financial platform, which connects the core enterprises at the asset end with financial institutions such as commercial banks, acquisition companies and guarantee companies at the capital end and credit information institutions providing third-party services, breaks the situation of information asymmetry, builds a good credit management system and forms a supply chain financial ecosystem. Among them, the third-party supply chain financial platform relies on advanced technology and quantitative wind control system, and cooperates efficiently with various enterprises (platforms) to provide comprehensive product solutions to support cooperative enterprises (platforms) to quickly online credit products. Allow the upper and lower users of enterprises (platforms) to obtain faster and cheaper financial services and further expand the scale of transactions.
New Hope Financial Services is a pan-agricultural industrial technology and financial service platform built by New Hope Group (see figure), which focuses on the credit field of small and medium-sized enterprises, takes the credit management system as the entry point of business and data, realizes the whole process management of core enterprises, and cooperates with the existing farming and animal husbandry business of New Hope Group by using the Internet, Internet of Things, artificial intelligence and big data, and is rooted in the front line of agriculture. Based on sub-business, sub-scenario, sub-core enterprise deployment decision-making system, artificial intelligence risk and knowledge guidance technology, we will give full play to the big data integrated analysis function, risk management function and model strategy iterative innovation function of New Hope Financial, build very unique industrial big data, realize the closed loop of industrial life cycle data, and build a perfect comprehensive risk management system before and after lending. At the same time, ensure the deep excavation of customer needs and effective risk management, effectively overcome the problems of many variables and large data omissions, and improve the accuracy of the risk assessment model.