Solutions
Relying on the endowment of shareholder resources and its own advantages, leveraging the professional and proficient asset management capabilities of factoring companies, Heying Factoring facilitates the efficiently connect between assets and funds through underlying assets verification and multi-dimensional cross check.
Solutions
The following solutions are offered jointly or independently by Heying Factoring or its affiliates
Due Diligence Assistance
Assess the qualifications of the transaction counterparties, independently and comprehensively understand the performance expectations of the underlying assets through automated tools, starting from the loan level data, and continuously monitor industry sentiment.
Underlying Asset Verification
Asset screening
Conduct asset screening based on established criteria, ensuring that asset generation complies with rules and expectations, and verify that the customer distribution of the assets meets the anticipated profile.
Asset Validation
Automatically check the completeness, accuracy, and consistency of Underlying Asset Warrants to prevent the multiple sales of the same asset, and verify the authenticity of disbursements and repayments.
Asset Monitoring
Enhancing visibility for asset performance, effectively controlling of asset risks, monitoring of leading indicators, feedback for risk optimization, and issuing asset service reports as required.
Risk Analysis
Asset Valuation
Based on the scenario and target customer segment, combined with real-time credit performance data of the assets, update the forecast of asset cash flows and conduct risk analysis immediately.
Investment Decision
Based on data-driven asset models and quantitative models, the system automatically calculates and provides asset yield recommendations according to the transaction structure.
Back-up Servicing
Asset Back-up Servicing Plan
A comprehensive back-up servicing plan ensures the stability of cash flows under extreme conditions, guarantees the maximum protection of investors' returns, and significantly reduces the risks for cooperating entities.
Cashflow Enhanced Management
Ensure that repayments are directly returned to the SPV account through signing agreements and technical support, and conducting fund information verification.
Basic Services
Provide connectivity services to transaction parties, data interface and processing services, and ensure the accuracy of data through operational services.
Full Cycle Solutions
For investment institutions, transaction parties, credit enhancement parties, and other securitization parties, leverage advanced technologies such as big data, blockchain, and artificial intelligence to achieve real-time qualification verification, monitoring, and backup services for underlying assets from the aspects of information flow, capital flow, and credit rights, covering the entire cycle of asset allocation, focusing on the assets themselves, reducing information asymmetry, and improving the matching efficiency of funds.