Bingji Technology

About Bingji Technology

Bingji Technology, also known as IceKredit, is a high-tech company providing enterprise-level services using artificial intelligence. Founded in Shanghai in 2015 by Gu Lingyun, the company specializes in using machine learning algorithms and big data technologies to conduct 360-degree credit assessments on small and micro-enterprises, as well as individuals. The firm serves various financial institutions, insurance companies, and government entities by offering solutions for intelligent customer acquisition, pre-loan applications, in-loan monitoring, and post-loan management.

Founder and CEO Gu Lingyun has a Ph.D. from Carnegie Mellon University's School of Computer Science and has a background in quantitative finance and risk modeling at firms like ZestFinance. His vision was to apply his expertise in AI to solve real-world financial problems, leading to the creation of IceKredit. The company operates on a PaaS+SaaS model, offering standardized credit scoring products (SaaS) and customized system products (PaaS) such as decision engines and model management systems. This business model focuses purely on technology output without engaging in lending activities itself.

A key area of focus for Bingji Technology is innovating supply chain finance service models. By integrating logistics, capital flow, and information flow, the company aims to solve the information asymmetry that poses a significant challenge in supply chain finance. This allows financial institutions to better assess the risks of small and medium-sized enterprises within a supply chain and provide them with credit financing and other services. The company has received significant funding, including a Pre-C round of 335 million yuan, to expand its R&D teams and overseas business.