On June 29, 2017, Chuanhua Zhilian announced that its subsidiary Chuanhua Pay's third-party payment license was officially approved and announced. This means that Chuanhua Zhilian Intelligent Logistics Business (Chuanhua Network) has successfully completed the conversion of offline payment in each transaction scenario of the original logistics to online payment, and successfully completed the coverage of B-side cargo owners, logistics companies and C-side freight drivers. , Merchants, and other full-scenario, full-process payment loops. In particular, it is worth looking forward to, with the steady accumulation of users and traffic, a large amount of logistics, capital flows, and information flows on the large platform of Chuanhua.com, further building a technology-driven data company for Chuanhua Zhilian.
Some insiders pointed out that in the Internet era, the importance of closed-loop construction for O2O platforms is self-evident. In the past year or two, more than thirty companies including JD.com, Ping An, Haier, Wanda, Xiaomi, and Gome have successively obtained payment licenses through acquisitions, in the final analysis, in order to complete the so-called "closed loop." Chuanhua Zhilian's successful harvest of the payment license will undoubtedly further strengthen its commercial value as a logistics platform.
Behind this closed loop are four trillion-level markets in China's logistics industry. Among them, only 30 million truck drivers and 20 million trucks have a living consumption and logistics equipment market size exceeding one trillion, let alone an annual flow of 200 trillion materials and a circulation of 10 trillion logistics costs.
In recent years, with the integration of more technological factors into the financial system, Internet finance has gradually upgraded to Fintech (fintech), which uses big data, blockchain and other high-tech for risk control and platform management. As one of the few third-party payment companies in the logistics industry, Chuanhua Payment is positioned as the benchmark comprehensive payment solution provider in the Chinese logistics industry. Taking the service logistics industry ecosystem as the core, relying on big data, cloud computing and artificial intelligence, it will deeply explore the needs of the B- and C-end users in the industry, and provide systematic and intelligent payment and settlement services for the development of China's productive service industry.
Its key advantage is that "Transfer Network" has very rich business scenarios, including multi-scenario consumer construction of highway port urban logistics centers throughout the country, and two major Internet products (intelligent trunk O2O platform Lujing and professional urban logistics). Carrier-free carrier barter data) is online, enabling payment services based on front-end business scenarios to be continuously derived.
Take Chuanhua.com's highway port urban logistics centers throughout the country as an example. Chuanhua Pay has already settled in 14 highway port urban logistics centers, and is gradually achieving full coverage of all highway port payment cashless scenarios in the network, of which only Chengdu The daily traffic of highway harbors has reached 50,000 person-times, and its “logistics town” can generate nearly 10 million flowing water every day if only drivers eat and live.
On the B side, taking the smart collection and payment service launched by Chuanhua Payment as an example, it has already settled in Henan, Xi'an, Shanghai, Shenyang and other places with the largest collection of goods in the country, and started cooperation with more than 20 logistics companies. Taking the cooperation between Henan Chengtong Logistics and Shaanxi Fidelity Logistics as an example, the two daily payment of nearly ten million yuan, through the intelligent payment collection and payment of Chuanhua payment, to achieve "same day delivery" on behalf of the payment. At present, there are 800,000 special-line LTL logistics companies in China, 70% of which have collection services, and up to 1 trillion funds have been stranded in the accounts of special-line logistics companies for a long time.
At the same time, two Internet products of Chuanhua Zhilian (focused on land whale in mainline logistics and barter in urban distribution market) have closed transactions with payment, freight, information fees, after-car, insurance and other links. Some professionals pointed out that with the massive data and traffic precipitation, the "ambition" of Chuanhua payment goes far beyond the above markets. As an important entrance to obtain user and merchant data, the more important value of the payment side is the realization of data. Based on the application scenarios and user accumulation of physical highway ports and two major Internet products, Chuanhua Payment has acquired the key to extend to value-added services such as Internet finance and precision marketing, further opening the entrance to the financial empire.
"Through the" Payment + "innovation model, focusing on the financial needs of the logistics industry, Chuanhua will form a new financial ecosystem of" Payment + Account / User + Big Data + Risk Control and Products ", and gradually form a series of interconnected financial value-added services. Service. Based on payment and finance as the extension, we will create a new logistics “payment +” financial ecosystem that radiates the country. ”Zhou Shengxue, senior vice president of Chuanhua Zhilian and chairman of Chuanhua Payment, told reporters. As Chuanhua big data, cloud computing, artificial intelligence and other high-tech applications are fully applied to payment, it will further open Fintech's huge development space for Chuanhua "payment +".
In the future, Chuanhua Payment will realize data capitalization. By constructing a payment system and improving payment applications, four-in-one payment big data will be formed, which will provide strong support for logistics financial services and truly form a "logistics + Internet + finance" ecosystem The new portal of the system further serves macroeconomic decision-making, regional economic decision-making, industry development decision-making, and individual enterprise decision-making. And the huge space of the logistics industry will definitely bring huge opportunities for transfer payment.