供应链科技革新赋能实体 万亿“沉睡”资产唤醒进行时

Core Viewpoint - The article emphasizes the importance of activating the financing value of movable assets in enterprises to support the healthy development of the real economy, particularly through supply chain finance initiatives driven by regulatory support and technological advancements [1][3]. Group 1: Regulatory and Policy Developments - In April, the People's Bank of China and six other departments issued a notice to standardize supply chain finance, encouraging banks to utilize "data credit" and "physical credit" to support credit loans for supply chain enterprises, especially SMEs [1]. - The establishment of a national supply chain finance theme area at the financial exhibition highlights the government's commitment to improving financing conditions for inventory assets, which have historically faced challenges due to unclear ownership and technical deficiencies [3]. Group 2: Growth in Movable Asset Financing - From 2021 to June 2023, the number of clients for movable asset financing increased from 141,400 to 192,200, a growth of 35.96%, while the credit balance rose from 5.07 trillion yuan to 5.61 trillion yuan, marking a 10.76% increase [4]. - The digital transformation of supply chain financial infrastructure has significantly improved the efficiency of inventory financing processes for SMEs [6]. Group 3: Technological Innovations - The integration of technologies such as industrial internet identification, blockchain, and IoT into inventory financing has enabled real-time monitoring of goods, ownership registration, and value assessment [6][7]. - A comprehensive asset management solution launched by Zhongcangdeng in 2024 aims to enhance the reliability of physical credit through advanced technology integration [7]. Group 4: Risk Management Framework - The risk management framework for inventory financing is based on four key dimensions: authenticity of goods, clarity of ownership, traceability of prices, and effectiveness of disposal [9]. - Collaboration with local governments is essential for integrating industry data, which can provide financial institutions with accurate price assessment information and foster a supportive policy environment for supply chain finance [9]. Group 5: Market Impact - The activation of dormant inventory assets through effective financing solutions is seen as a new opportunity for financial institutions to support the real economy, potentially transforming billions of yuan in assets into active financial resources [9].