P2B Debt Subscription

LnB Credit Marketplace (P2P Lending Platform)

Enterprises provide their operational data (via third-party platforms such as Google Analytics) and financial data to 經濟體股份有限公司's PezzaLoan and PezzaFund platforms. Based on the acquired data, 經濟體股份有限公司 evaluates the borrowing customer's risk level and interest rate through an AI risk model. Once the borrowing enterprise agrees to the interest rate and terms, 經濟體股份有限公司 matches them with funding sources (leasing companies, angel investors, and high-net-worth individual investors).

At the same time, 經濟體股份有限公司 cooperates with core enterprises in supply chain finance to evaluate the risk level and interest rate of borrowing customers through the AI risk model, based on the transaction data between the core enterprises and their upstream and downstream partners.

Our innovation lies in the fact that traditional financial institutions primarily rely on collateral provided by enterprises to make lending decisions for small and medium-sized enterprises (SMEs). This is not only because physical assets themselves possess market reference value, but also because they serve as an important cornerstone for the operations of traditional industries, such as manufacturing. However, many industries have now transitioned to using online channels as their primary sales avenue, such as e-commerce. The core value of these enterprises no longer relies on physical assets, but rather on virtual data such as ROAR (online advertising effectiveness) and MAU (active customers). These key indicators are more effective for evaluating the future operational status of the enterprise. PezzaLoan determines the customer's credit risk through AI model analysis based on the customer's operational data and actual performance over the past two years. It then assesses the enterprise's borrowing interest rate according to its risk profile and matches them with funding sources on the platform. Because the traditional financial industry struggles to grasp the repayment capabilities of SMEs, it primarily relies on the land, factories, and equipment owned by the enterprises. Consequently, emerging industries that use the internet as their primary sales channel find it difficult to obtain loans.

Meanwhile, PezzaFund is a one-stop solution that addresses the challenges investors face, such as the difficulty of finding high-quality investment targets before investing and the burden of continuous management after investing. All relevant information can be accessed and resolved in one place on the platform.

Investment in Securities