Shenzhen Yinzhijie Technology Co., Ltd., founded in 1998, is a listed company, a high-tech enterprise, and a key software enterprise in the national planning layout, mainly providing software products, software development, financial special equipment and technical services for banks and other financial institutions
Shenzhen Yinzhijie Technology Co., Ltd. was established in October 1998 and listed on the GEM in May 2010 with the stock code 300085. Since the establishment of the company, Yinzhijie has been focusing on the financial information industry, mainly providing software products, software development, financial special equipment and technical services for banks and other financial institutions, and the product line covers bank payment and settlement, risk prevention and control, process reengineering, self-service and other fields. The products and services are used by more than 360 banks in 31 provinces, municipalities and autonomous regions in China, covering more than 80,000 bank outlets. The company is a national high-tech enterprise, a key software enterprise in the national planning layout, and a key high-tech enterprise in the national torch plan.
In recent years, with the rapid development of innovative industries such as mobile Internet, Internet finance, and big data, the company has actively explored, grasped historical opportunities, made full use of the advantages of the capital market platform, and vigorously expanded the innovative financial service business through capital operations such as investment and financing, mergers and acquisitions, and carried out a series of strategic layouts in the fields of payment, personal credit, Internet insurance, and financial big data services, opening up a new development situation for the enterprise.
Personal credit reporting
In 2013, the company cooperated with shareholders such as Qingkong Sanlian to initiate the establishment of a personal credit reporting company, Huadao Credit. In January 2015, Huadao Credit was listed by the central bank as one of the first eight credit reporting companies to carry out personal credit investigation business preparations. With Huadao Credit as a platform, the company and Tsinghua PBC School of Finance jointly established an Internet Finance Laboratory, and initiated the establishment of an interbank credit alliance initiated by Huadao Credit, with more than 50 member companies. The company is confident that Huadao Credit will become a world-class third-party credit reporting agency and contribute to the development of China's Internet finance and the construction of social credit system.
Internet Insurance
In June 2015, Yinzhijie participated in the establishment of Yi'an Property Insurance Co., Ltd. as one of the main sponsors. On February 6, 2016, eON Insurance was approved for operation, and on February 16, 2016, it completed the industrial and commercial registration and obtained the business license. E-On Insurance is a business operation featuring Internet insurance, making full use of the Internet, cloud computing and big data technology to achieve a high degree of integration of insurance business, Internet and e-commerce, and develop innovative insurance business forms.
Financial Big Data
With the development of credit information business and the advent of the DT era, in 2014, the company wholly acquired Beijing Yimei Softstone, which is mainly engaged in personal mobile information services, and developed big data business on this basis. After 13 years, Yimei has provided mobile business information services for 450,000 enterprises and 700 million people, sending more than 10 billion text messages every year, and accumulating huge mobile business big data. At the same time, Yinzhijie has more than 300 bank customers, through personal credit, big data, payment, Internet insurance and other business development, the company has two major capabilities of risk pricing and precision marketing, and can provide banks with financial services based on big data. The company has reached strategic cooperative relations with many banks in the field of big data financial services, and can be promoted to securities, insurance and other large financial industries.
Mobile payments
In 2013, the company and United Finance (formerly a financial service company initiated and established by the Shenzhen Financial Settlement Center of the People's Bank of China) jointly established a financial service company to carry out new Internet-based payment services, including self-service for bill clearing and payment, a new generation of corporate and personal payment platform based on mobile terminals, and an interbank Internet fast payment platform.
To sum up, after industrial upgrading in recent years, Yinzhijie has gradually formed a relatively complete industrial layout in various related fields of Internet finance, and has built an Internet financial industry ecosystem that provides customers with comprehensive financial services such as software development, system operation and maintenance, personal credit, Internet insurance, data services, and financial intermediaries with financial IT, personal credit, financial big data technology and mobile payment platform as the cornerstone, risk pricing and precision marketing as the core capabilities. In the future, on the basis of consolidating the existing business layout, the company will continue to deepen and improve the industrial structure of Yinzhijie Financial Services, promote the coordinated development of various financial service business segments, and build a comprehensive financial service platform based on the Internet.
