2 1 Shi Ji Jing Ji Bao Dao·2025-10-26 16:18Core Insights - The core viewpoint of the news is that Bank of Communications has launched the "Yun Tong Guan Zhang" brand service plan, focusing on corporate payment and settlement scenarios to address pain points such as complex settlement tools, low reconciliation efficiency, and difficult fund supervision, thereby upgrading from a traditional service provider to a scene ecosystem enabler [1][2]. Group 1: Conceptual Innovation - The integration of business and finance is positioned as a new engine driving integrated management upgrades, responding to the higher demands for financial services in the digital economy [2]. - The "Yun Tong" financial brand system introduces the "Yun Tong Guan Zhang" sub-brand, emphasizing data-driven management across "scene, customer, account, and funds" [2]. - The unique "3+4" service model leverages core capabilities in payment settlement, reconciliation, and fund supervision to create service advantages [2]. Group 2: Product Empowerment - "Yun Tong Guan Zhang" offers a one-stop solution for funds, settlement, and operational management, enhancing efficiency across various business scenarios [3]. - In payment settlement, it provides multi-channel, intelligent services that streamline fund processing, enhancing procurement efficiency through automated payment processes [3][4]. - The reconciliation service includes account management, automatic write-offs, and clear transaction tracking, addressing the challenges of matching transaction flows with receivables [3][4]. Group 3: Ecological Interconnection - The service targets four core economic scenarios, providing tailored financial solutions that inject digital vitality into various sectors [5][6]. - For the real economy, it focuses on the entire operational chain of manufacturing enterprises, facilitating data flow across procurement, production, and sales [5]. - In the platform economy, it develops flexible account management systems to meet the complex fund clearing needs of e-commerce and internet finance platforms [6]. Group 4: Market Reach - The Bank of Communications has customized solutions for over 30 industries, serving nearly 160,000 government and enterprise clients, indicating a strong market presence [6]. - The "Yun Tong Guan Zhang" service aims to support enterprises in achieving business-finance integration and digital transformation, contributing to high-quality development [6].