Electronic Contract Solutions for the Financial Industry

Junziqian provides customers with services such as financial leasing for car purchases, credit loans for car purchases, and vehicle mortgage loans. Its business processes involve document submission, credit reference authorization, and include agreements such as the Financial Leasing Agreement, Installment Car Purchase Agreement, Vehicle Entrusted Purchase Service Agreement, and Pledge Agreement. All types of agreements are signed online; electronic contracts are convenient and efficient, signing data is stored in real time, and willingness authentication ensures the user's true intent.

Junziqian provides online signing capabilities for consumer installment platforms, solving problems such as high mailing costs and long signing times for cross-regional contract signing, which is more suitable for the usage characteristics of internet users. Junziqian's electronic signing platform offers multiple willingness verification methods, including SMS verification, 3-4 key elements of bank cards, and liveness face recognition, ensuring that the signer is the actual user of the installment consumption service. Using this method to sign contracts can effectively solve the problem of high breach risk in cross-regional signing.

Junziqian provides a full evidence chain electronic signing solution for microfinance enterprises. It enables borrowers to sign online (electronic data collection), store the signed electronic contracts and evidence of the entire electronic signing process in real time, and synchronize the hash digest of electronic data (original electronic contracts, process logs, face authentication videos, log files, etc.) to the "Preservation Chain". This blockchain is jointly built by Junziqian in collaboration with judicial institutions such as notary offices, judicial authentication centers, arbitration commissions, and internet courts. It solves problems such as electronic data being prone to tampering and loss, realizes the management of the electronic evidence chain throughout the business process, conducts structured and element-based management of electronic evidence, intelligently matches various judicial document templates, and finally achieves post-loan disposal services such as one-click litigation and batch arbitration.

In the insurance business, Junziqian's electronic signing can be accessed via cloud-based API integration or on-premises deployment. Insurance contracts, claim settlement agreements, insurance preservation service agreements, and monthly statements can be signed online within the existing business system. After signing, the electronic contracts will undergo notarization and data preservation, and insurance application information can be promptly informed to and retained for customers via SMS notifications and other methods.

In trust scenarios, fund companies can create electronic contract templates or select existing templates and set official seals through Junziqian's electronic signing platform. After investors select trust products in the system, they conduct identity authentication within the system and complete the electronic contract signing. After signing, both parties can view or download the electronic contracts; meanwhile, the electronic contracts and evidence of the electronic signing process will be uploaded to the blockchain for preservation, ensuring the objective authenticity of the documents and enhancing legal validity.