【前瞻分析】2025年中国供应链金融行业模式及产品费用分析

Core Insights - The supply chain finance industry is undergoing continuous innovation in its ecosystem, driven by digital technology, platform support, and policy incentives, which are essential for high-quality development and service model innovation [1][4]. Group 1: Industry Overview - Supply chain finance is a new financing model targeting small and medium-sized enterprises (SMEs), integrating financial services into supply chain trade by leveraging the credit, risk, and funding needs of various parties involved [4]. - The Chinese supply chain finance model has matured, characterized by data-driven approaches utilizing AI and blockchain to address information asymmetry, and various service models that enhance the efficiency of capital flow [6]. Group 2: Technological Advancements - Key technologies such as IoT, blockchain, privacy computing, big data, artificial intelligence, cloud computing, edge computing, and 5G are pivotal in enhancing supply chain finance operations [5]. - IoT enables the perception, identification, tracking, and management of physical assets, while blockchain provides a distributed ledger for transaction data, fostering digital trust [5]. Group 3: Revenue Structure - In the commodity sector, funding services account for a significant portion of revenue, with funding service fees making up 62% of total earnings, while resource organization and logistics account for 15% each, and procurement and transportation yield 15% and 8% respectively [9][8].