中小企业快速贷款新渠道 UCloud优刻得携手上海银行推出“云量贷”

为了助力中小企业复工复产，UCloud优刻得与上海银行银企合作，针对优刻得云平台上的中小企业客户提供“云量贷”专项贷款支持，重点支持受本次疫情影响并且贷款有困难的中小企业。近日，西井科技成为UCloud和上海银行合作后的首家受益企业，已成功快速获批上海银行1000万贷款，为其顺利复工复产补充弹药。

In order to help small and medium-sized enterprises return to work and production, ucloud Youke de cooperates with bank enterprises of Bank of Shanghai to provide "cloud loan" special loan support for small and medium-sized enterprise customers on Youke de cloud platform, focusing on supporting small and medium-sized enterprises affected by the epidemic and having difficulties in loan. Recently, Xijing technology has become the first beneficiary enterprise after ucloud and the Bank of Shanghai cooperated, and has been approved the loan of 10 million yuan from the Bank of Shanghai quickly to supplement ammunition for its smooth return to work and production.

据了解，“云量贷”产品是为了解决中小型互联网企业在发展过程中的融资门槛高、贷款困难等问题，通过 “品牌背书+大数据+信贷+银行”的模式，基于客观数据，通过UCloud的甄选与推荐减轻银行的评判难度，助力中小企业申请贷款而推出的技术创新型信贷产品。“云量贷”的诞生源自互联网最新云计算技术，中立的云流量增势可以证明中小企业的发展态势。具体而言，对于发展态势良好且有贷款需求的企业来说，通过“云量贷”产品可以帮助企业免除自主申请环节，通过UCloud推荐，银行优化审核环节，提高了中小企业贷款的流程效率；对于合作的银行来说，UCloud作为中立的云计算服务平台，经企业授权上报给银行的云平台流量使用指标、企业合作信用等数据，丰富了银行获取企业信息的渠道，降低了银行过往审核过程中的评估成本，UCloud中立的属性和品牌背书也在一定程度上提升了中小企业和银行的初始信任度。

It is understood that the "cloud loan" product is to solve the problems such as high financing threshold and loan difficulties of small and medium-sized Internet enterprises in the development process. Based on the objective data, through the model of "brand endorsement + big data + credit + bank", through the selection and recommendation of ucloud, it can reduce the difficulty of bank evaluation and help small and medium-sized enterprises to apply for loans and launch technological innovative credit products. The birth of "cloud loan" comes from the latest cloud computing technology on the Internet. The neutral growth of cloud traffic can prove the development trend of small and medium-sized enterprises. Specifically, for enterprises with good development trend and loan demand, the "cloud loan" product can help enterprises to avoid the independent application link, through ucloud recommendation, the bank optimizes the audit link, and improves the process efficiency of SME loan; for cooperative banks, ucloud, as a neutral cloud computing service platform, is authorized by enterprises to report to the bank Cloud platform traffic usage indicators, corporate cooperation credit and other data enrich the bank's access to corporate information, reduce the bank's assessment cost in the past audit process, and ucloud's neutral attribute and brand endorsement also to a certain extent improve the initial trust of SMEs and banks.

说起项目的起源，还要追溯到上海市2月8日公布的《上海市全力防控疫情支持服务企业平稳健康发展的若干政策措施》，当时上海市提出了28条综合政策举措。上海银行第一时间响应并于2月9日正式推出“全力支持疫情防控工作 保障实体经济平稳健康发展”的举措，高度重视中小企业面临的实际困难，积极实施灵活的信贷政策，并持续改进服务方式，多维度精准施策助企纾困。

Speaking of the origin of the project, it can also be traced back to the "several policies and measures for Shanghai to fully prevent and control the epidemic and support the stable and healthy development of service enterprises" published by Shanghai on February 8, when Shanghai put forward 28 comprehensive policies and measures. The Bank of Shanghai immediately responded to and officially launched the initiative of "fully supporting the epidemic prevention and control work to ensure the steady and healthy development of the real economy" on February 9. It attached great importance to the practical difficulties faced by small and medium-sized enterprises, actively implemented flexible credit policies, continuously improved service methods, and implemented multi-dimensional and precise policies to help enterprises rescue.

在与客户沟通时，UCloud优刻得发现受疫情影响，平台上一些中小企业客户尤其是一些高新科技的初创型企业困难重重，普遍面临现金流吃紧和复工困难等巨大压力。UCloud优刻得资金管理部总监吴珣玉表示，在2月初看到上海银行推出的疫情下保障实体经济发展的多项举措后，便第一时间与上海银行取得了联系，初步沟通后，发现双方的需求契合度非常高，目前该银企合作项目也得到了上海市委领导、上海市金融工作局、上海银行领导的高度肯定和支持。

When communicating with customers, ucloud Youke found that affected by the epidemic, some small and medium-sized enterprise customers on the platform, especially some high-tech start-ups, were faced with many difficulties, such as tight cash flow and difficulties in returning to work. Wu juyu, director of capital management department of ucloud youkede, said that after seeing a number of measures taken by the Bank of Shanghai to ensure the development of real economy under the epidemic situation in early February, he contacted the Bank of Shanghai for the first time. After preliminary communication, he found that the demand of both sides was very high. At present, the bank enterprise cooperation project has also been led by Shanghai municipal Party committee, Shanghai Municipal Financial Work Bureau, Bank of Shanghai Highly affirmed and supported by the leaders of the bank.

项目开启后，西井科技已成功通过在UCloud优刻得的用云和消费数据等，在上海银行快速获批1000万贷款。西井科技创始人兼CEO谭黎敏表示，公司已经完全拿到了1000万元无抵押贷款，这笔贷款也让公司在疫情期间有力地补充了资金的弹药储备，也非常感谢上海政府的扶持政策和上海银行的全流程线上高效办事效率，以及UCloud优刻得的想客户所想的贴心服务和优质产品，接下来西井科技也将继续用科技赋能，继续丰富全局化人工智能智慧港口解决方案，加速港口“少人化、无人化、智能化、远程化”发展全面升级。

After the opening of the project, Xijing technology has successfully obtained 10 million loans in Bank of Shanghai through cloud and consumption data obtained in ucloud Youke. Tan Limin, founder and CEO of Xijing technology, said that the company has fully received a 10 million yuan mortgage free loan, which also made the company replenish the ammunition reserve of funds during the epidemic period. He was also very grateful for the support policies of the Shanghai government and the efficiency of the whole process line of the Bank of Shanghai, as well as ucloud's considerate service and high-quality products for customers, Next, Xijing technology will continue to use science and technology to empower, continue to enrich the overall AI intelligent port solutions, and accelerate the comprehensive upgrading of the port's "less manned, unmanned, intelligent and remote" development.

谈起此次合作，上海银行相关负责人表示，银行非常愿意为优质、有潜力的中小企业客户提供贷款和帮助，扶持企业健康成长。过去，在甄别企业的资质、为企业进行多维度的精准画像方面，银行要耗费比较多的人力、物力、财力来进行。现在有了UCloud优刻得平台的品牌背书，以及基于大数据的对接和分析，银行可以获取更全面、更多维度的数据信息，从而更精准的为企业进行画像。同时，在国家政策和上海市金融局的大力支持下，上海银行愿意承担更多的社会责任，助力经济正常运转。

Talking about this cooperation, the relevant person in charge of the Bank of Shanghai said that the bank is very willing to provide loans and help to high-quality and potential small and medium-sized enterprise customers to support the healthy growth of enterprises. In the past, banks used to spend a lot of human, material and financial resources to identify the qualifications of enterprises and conduct multi-dimensional accurate portraits for enterprises. Now with the brand endorsement of ucloud Youke de platform, as well as the docking and analysis based on big data, banks can obtain more comprehensive and more dimensional data information, so as to more accurately portray enterprises. At the same time, with the strong support of the state policy and Shanghai Municipal Financial Bureau, the Bank of Shanghai is willing to take on more social responsibilities to help the normal operation of the economy.

UCloud优刻得创始人兼CEO季昕华表示，UCloud优刻得也是从初创企业慢慢发展起来的，在过去8年的时间中也多次得到了上海市委、市政府和银行的大力支持，因此，在看到像自己一样不断努力创业成长的客户时，也想用自己的一些经验和能力，帮助平台上的企业更好地成长。目前，UCloud优刻得已经又陆续收到了多家企业的贷款需求，接下来我们会继续推广这样的银企合作，希望可以帮到更多UCloud优刻得平台上的中小企业渡过难关，尽快复工复产，完成年度生产经济指标，助力实体经济的平稳健康运行。

Ji Xinhua, founder and CEO of ucloud youkede, said that ucloud youkede has also developed slowly from a start-up enterprise. In the past eight years, ucloud youkede has also been strongly supported by the Shanghai municipal Party committee, the municipal government and the bank for many times. Therefore, when we see customers who are constantly striving for Entrepreneurship and growth like ourselves, we also want to use some of our experience and ability to help enterprises on the platform better Grow up. At present, ucloud Youke de has received the loan demand of many enterprises in succession. Next, we will continue to promote such bank enterprise cooperation, hoping to help more small and medium-sized enterprises on ucloud Youke de platform get through difficulties, resume production as soon as possible, complete the annual production economic indicators, and help the steady and healthy operation of the real economy.

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