Bank Of Jiangsu(SH:600919) Qi Huo Ri Bao Wang·2025-07-30 09:17Core Insights - The collaboration between QuanCangDeng and Jiangsu Bank aims to innovate the financing model for commodity trading, addressing traditional pain points such as financing difficulties and complex processes [1][2] - The new credit assessment system shifts focus from "subject credit" to "data credit + physical credit," enhancing the financing environment for small and medium-sized enterprises in the commodity sector [2][5] Group 1: Financing Model Innovation - QuanCangDeng and Jiangsu Bank have successfully implemented a pledge financing model for Shanghai Xinyao Industrial Co., utilizing digital solutions to streamline the financing process [1][3] - The system allows for real-time access to warehouse receipt information and storage status, significantly reducing reliance on traditional guarantees from core enterprises [2][4] Group 2: Operational Efficiency - The integration of API systems enables a fully online process from application to fund disbursement, allowing companies to receive funds on the same day they apply [4][6] - This automation addresses the inefficiencies of traditional pledge financing, enabling companies to quickly mobilize inventory assets to meet financial needs [4][6] Group 3: Risk Management - The partnership includes a smart post-loan risk management system that monitors pledge goods' storage information and commodity price trends, enhancing risk detection and prevention [5][6] - The system can identify risks such as "false warehouse receipts" and "multiple pledges," providing real-time alerts to mitigate potential issues [5][6] Group 4: Industry Impact - The collaboration exemplifies the mission of QuanCangDeng to empower the commodity trading sector through technology, breaking down data barriers and standardizing processes [6] - The initiative aims to restore financing confidence for enterprises affected by industry turmoil, paving the way for high-quality development in the commodity market [6]