Ren Min Ri Bao·2025-12-01 21:57Core Insights - The article highlights the innovative supply chain financing model introduced by China Construction Bank (CCB) in Guangdong Province, which addresses the cash flow challenges faced by technology companies by providing timely loans through a digital platform [1][2][3] Group 1: Supply Chain Financing Model - CCB's supply chain financing allows suppliers to apply for accounts receivable financing online, enabling them to receive payments quickly when they deliver goods to companies like Southern Surveying and Mapping [1][2] - The initial credit limit for this financing model was set at 80 million yuan, aimed at alleviating the financial pressure on suppliers who previously faced long payment terms of 60 to 180 days [1][2] Group 2: Digital Solutions and Risk Management - CCB has developed a multi-dimensional evaluation system for technology companies, utilizing over 30 quantitative indicators to create precise risk profiles [2] - The bank's digital system, known as the Financial Cloud System, integrates cross-bank cash management functions, addressing issues such as system fragmentation and data security for corporate clients [2] Group 3: Growth in Technology Lending - The loan balance for technology companies at CCB in Guangdong has exceeded 250 billion yuan, with over 130 billion yuan disbursed to more than 8,000 technology firms this year, of which over 97% are small and micro enterprises [3]