规范存货融资业务，为产业插上金融的翅膀

Core Viewpoint - Inventory financing is a crucial supply chain financial model that helps alleviate financing difficulties for small and medium-sized enterprises (SMEs), optimize cash flow, and enhance overall supply chain competitiveness [1][2]. Group 1: Importance of Inventory Financing - Inventory financing is essential for SMEs to activate inventory assets, resolve cash flow bottlenecks, stabilize capital structure, and improve capital efficiency [1]. - In China, the scale of inventory assets reached 130 trillion yuan in 2023, accounting for 114% of GDP, but the inventory financing balance was only 8.2 trillion yuan, indicating a penetration rate of just 6.3% [1]. - The low penetration rate of inventory financing is primarily due to frequent risk incidents, which have made financial institutions wary [1]. Group 2: Challenges and Solutions - The core challenges of inventory financing include assessment, regulation, data management, rights confirmation, disposal, and standardization [1]. - Establishing relevant standards and regulating inventory financing is fundamental to addressing these challenges and promoting healthy development in the sector [2]. Group 3: Role of Technology - Technological innovation is vital for enhancing data credit and ensuring the authenticity, transparency, and traceability of inventory [4][6]. - The integration of IoT and blockchain technology can significantly improve risk management and financing efficiency by ensuring real-time monitoring and data integrity [6][13]. Group 4: Risk Management and Data Governance - A comprehensive risk management system has been established, covering all stages of the financing process, including pre-loan, during-loan, and post-loan management [9]. - Emphasis on data quality and governance is crucial, with the company having accumulated 18.5 billion data entries and established a risk management indicator system [8]. Group 5: Industry Collaboration and Standards - The company aims to create an open ecosystem by participating in standard-setting and promoting integration between domestic and international trade [15][16]. - Collaboration with global suppliers, customers, and financial institutions is essential for building a modern industrial ecosystem driven by industry, finance, and technology [16].