银行应强化供应链金融服务赋能实体经济发展

Core Viewpoint - The joint notice issued by multiple Chinese regulatory bodies aims to standardize supply chain finance practices and enhance the support for small and medium-sized enterprises (SMEs) financing, effective from June 15, 2025 [1] Group 1: Supply Chain Finance Importance - Supply chain finance plays a crucial role in linking finance with the real economy by integrating information flow, logistics, and capital flow to provide comprehensive financial services [1] - It helps alleviate financing difficulties for SMEs and promotes collaborative development across various segments of the industrial chain [1] Group 2: Challenges in Supply Chain Finance - Rapid development of supply chain finance has revealed issues such as excessive credit expansion by core enterprises and unregulated management of information service systems [1] - These challenges hinder the sustainable and healthy development of supply chain finance and weaken its effectiveness in serving the real economy [1] Group 3: Bank's Role and Responsibilities - Banks are encouraged to respond to policy directives by enhancing business standards and establishing comprehensive debt monitoring mechanisms for core enterprises [2] - They should utilize advanced financial technologies like big data and blockchain to analyze transaction data and assess credit status accurately [2] - Banks must support SMEs in obtaining credit loans and financing based on orders, inventory, and other movable assets [2] Group 4: Support for SMEs - SMEs face significant challenges in financing due to their smaller scale, lighter assets, and incomplete credit records [3] - Banks are urged to strengthen financial support for SMEs, reduce financing costs, and streamline approval processes to ensure timely access to funds [3] - It is essential for banks to regulate their fee structures and ensure transparency in charges to alleviate the financial burden on SMEs [3] Group 5: Regulatory Guidance - The joint issuance of the notice by six departments provides clear direction for banks to enhance the standardization of supply chain finance practices [3] - Banks are encouraged to seize this opportunity to improve risk management systems, innovate financial service models, and increase support for SMEs [3]