htmlOn June 21, the commercial vehicle financing leasing project jointly operated by Olix Financial Leasing (China) Co., Ltd. (OCC) and Pantikel Technology was officially put into production and launched , and the first loan was completed on July 2. The successful start of the
project marks the successful completion of the first phase of Olix Financial Leasing (China) Co., Ltd.’s goal of building a high-performance commercial vehicle business system, including: online risk control approval before rent, smooth asset-party channel system, and real-time post-leasing data monitoring , etc. The full process management of commercial vehicle financing leasing is achieved to the greatest extent, and meet the requirements of business compliance, intelligence, safety and efficiency.
Olix Financial Leasing (China) Co., Ltd. is affiliated to Olix Group. It is Japan's largest non-bank financial institution and the largest comprehensive financial service institution. Its cumulative assets have reached US$85.2 billion since its establishment in 1964, and it has been listed on the New York Stock Exchange (NYSE:IX) and the Tokyo Stock Exchange (TSE:8591) respectively. The leasing business is not only the starting point of Orix Group's business, but also the core section. On this basis, Orix Financial Leasing (China) Co., Ltd. has provided customers with direct financial leasing, after-sales leasing, operating leasing, inventory leasing, joint leasing and other services based on the Yangtze River Delta, Pearl River Delta and the Guangdong-Hong Kong-Macao Greater Bay Area as key areas. It currently has 13 branches in 10 provinces and cities in China.
In the rising financial leasing market in China, Orix seizes the market opportunities of rapid development of the industry, wins the attention of enterprises with its professional strength, and becomes a trusted automobile financing leasing brand in the industry.
Olix Group (Picture source: Google Search)
At present, financial leasing accounts for a small overall proportion in my country's automobile finance market, with a total penetration rate of less than 10%, but it has unique service advantages in the field of commercial vehicles. It facilitates customers to achieve financing purposes in the form of financing, and unlike traditional credit businesses, other expenses other than purchase tax and insurance can also be used for 100% financing, maximizing savings of funds and time costs. As a pillar industry of my country's national economy, commercial vehicle financing and leasing has been driven by a variety of market positive factors. This "blue ocean" has attracted more and more attention and has considerable market exploration potential.
However, at the same time, as the customer base in the commercial vehicle financing leasing field gradually diversified, the customer acquisition channels are widened and sinking, the market includes many small and micro enterprises, objectively small, scattered, and disordered, which is prone to hidden dangers such as transaction fraud, data leakage, and slow processes , which means higher requirements for the risk control system, which is also the difficulties and pain points faced by various financial institutions.
AI+Big Data: Escort for car rental
As a joint operator, Pantike Technology is very familiar with the field of automobile financing leasing. Using artificial intelligence, big data and other technologies, Pantikel Technology has helped many banks, trusts, financial leasing companies, auto finance companies, etc. to achieve business digitalization and intelligence following market changes, and has made enough efforts in the construction of risk control system, channel business docking, product innovation , etc., to make the business process simple and convenient.
Before renting:
Anti-fraud As the first line of defense in the entire risk control process, it mainly prevents possible risks such as identity impersonation and information theft. Using knowledge graph technology can effectively reduce potential risks. Through identification of image details and blacklist verification, the authenticity of documents can also be determined, greatly improving the anti-fraud efficiency.
1Rent:
Through artificial intelligence modeling and big data, it controls different channels in real time online, helping financial leasing companies to effectively manage channel and solve the problem of long risk release cycles for commercial vehicle financing leasing customers.
After renting:
Intelligent outbound call service helps financial leasing companies solve problems such as low asset recovery efficiency and poor results. Reduce asset recovery costs, continuously improve efficiency and service capabilities throughout the industry's life cycle, and form core competitiveness.
In the future, under the background of deep economic adjustment, only institutions that are the first to clear and solve pain points will have the opportunity to win in the future competition. Pantikel Technology will continue to polish its technological strength and work with outstanding companies represented by Olix to achieve cooperation in more automobile finance projects, promote national economic development, improve automobile finance service capabilities, and make finance smarter.
