风险管理信用画像服务-小微版

主要包括:线下POS、跨行ATM、银联在线、云闪付、 手机银行APP、互联网平台APP、手机PAY等支付渠道，覆盖银联借、贷记业务交易数据。包括：企业支付机构模型共建、企业主消费画像、商户经营画像、企业主风险画像等综合信用报告。应用于金融信贷领域，帮助银行金融机构有效评估小微企业经营的稳健性和创造现金流的能力，为小微商户授信提供全面细微的数据支撑。

Mainly covers offline POS, inter-bank ATM, UnionPay Online, Cloud QuickPass, mobile banking APPs, internet platform APPs, mobile PAY and other payment channels, and encompasses transaction data of UnionPay debit and credit card services. It also includes comprehensive credit reports such as co-construction of models with enterprise payment institutions, consumer portraits of business owners, operation portraits of merchants, and risk portraits of business owners. This dataset is applied in the field of financial credit, assisting banking and financial institutions in effectively evaluating the operational stability and cash flow generation capability of small and micro enterprises, and providing comprehensive and detailed data support for credit granting to small and micro merchants.