“我与浦东共成长”系列报道 | 舜泰保理数字赋能产业金融“多点开花”

Core Viewpoint - The integration of digital technology in the financial sector is accelerating the deep fusion of industrial finance and inclusive finance, exemplified by Shuntai Factoring's innovative approaches in the steel industry supply chain [1][10]. Group 1: Digital Transformation in Supply Chain Finance - Shuntai Factoring is leveraging a self-developed digital system to address traditional pain points in the steel industry, such as slow capital flow and high risk control costs, leading to significant business growth [1][4]. - The company has established a closed-loop system centered around "Digital Asset Cloud Warehouse," which includes warehouse, logistics, and capital supervision, fundamentally changing traditional offline operations [4][6]. - The "An E Da" smart logistics system allows real-time tracking of goods, significantly reducing the financial burden on enterprises by eliminating the need for upfront payments [5][6]. Group 2: Efficiency Improvements - The digital transformation has reduced the time for goods retrieval from days to seconds, enabling enterprises to respond quickly to orders from central enterprises [7][8]. - Financing processes have been streamlined, with the time for loan disbursement reduced to under three working days, enhancing operational efficiency [8][9]. - The integration of third-party data sources into the factoring system has automated due diligence, invoice verification, and contract signing, further speeding up processes [8][9]. Group 3: Innovative Financial Solutions - Shuntai Factoring is exploring new paths for asset appreciation through asset-backed securities (ABS) and data asset financing, aiming to enhance liquidity and service capabilities [9]. - The company has initiated plans for ABS issuance, targeting 2 billion yuan in receivables from state-owned enterprises, although the project is currently on hold due to external factors [9]. - The use of data as a financing asset has been successfully piloted, demonstrating the potential for data-driven financial solutions in the digital finance landscape [9]. Group 4: Risk Management and Future Outlook - The risk control system is built on digital technology, allowing for real-time monitoring and early warning of potential risks, contributing to a low non-performing loan rate [9][10]. - Shuntai Factoring plans to expand its operations nationally, leveraging the resources of Baowu Group and replicating its successful digital finance model in other regions [10]. - The company's practices illustrate that digital finance can effectively address industry pain points and enhance the overall experience for enterprises [10].