Nan Fang Du Shi Bao·2025-11-24 23:11Core Viewpoint - The article discusses how China Construction Bank's Shenzhen branch is addressing the financial challenges faced by the marine economy through innovative financial solutions that integrate industry, data, and finance [2][7]. Group 1: Challenges in the Marine Economy - The modern marine fishery industry faces significant challenges such as strong seasonality, market volatility, and delayed payments, which hinder the growth of new-age fishermen [3]. - Traditional lending models are inadequate for the marine industry due to the lack of fixed collateral and standardized financial statements, making it difficult for banks to assess the true operational status of marine producers [3]. Group 2: Innovative Solutions - China Construction Bank Shenzhen branch identified the "Huacai Dazong" digital fishery platform, which has an annual transaction volume exceeding 10 billion yuan and accounts for one-third of the domestic squid frozen product market, as a new credit carrier [4]. - The bank shifted its risk control logic from relying on "subject credit" to "transaction credit," utilizing the vast amount of real data generated on the platform [4]. - The innovative risk control framework includes verifying transaction authenticity through the integration of logistics, information flow, and capital flow, combining online and offline experiences, and addressing regulatory challenges related to the pledge of movable assets [4]. Group 3: Financial Products and Impact - Based on this new model, the bank successfully approved a 300 million yuan supply chain platform cloud loan and launched a standardized online product called "Blue Ocean Benefit Loan," marking a significant advancement in financial services for new productive forces [5]. - By the first quarter of 2025, the bank had disbursed 98.45 million yuan in inclusive loans, revitalizing small and micro enterprises [6]. - The "Huacai-Bank" model exemplifies the synergy of industry, data, and finance, with plans to expand its application from squid to other major marine products, thereby promoting "green finance" and supporting Shenzhen's goal of becoming a global marine center [6][7].