2 1 Shi Ji Jing Ji Bao Dao·2025-12-12 06:49Core Insights - The article emphasizes the role of financial services in driving high-quality development of the real economy, highlighting the initiatives of Bank of Communications (BoCom) in 2025 to enhance corporate financing and operational efficiency through innovative financial solutions [1] Group 1: Financial Services Initiatives - BoCom launched the "Yun Tong Treasury" brand service, offering a comprehensive financial service system tailored for central state-owned enterprises and large enterprises, which includes a combination of financial products and systems to enhance financial resource management [2] - The "Yun Tong Treasury Management System (Cloud Cross-Bank 3.0)" was introduced to expand financial management capabilities, enabling direct connections with over 220 domestic and international banks for improved cash management and decision-making [3] Group 2: Collaborative Financing Ecosystem - BoCom collaborates with local governments to create a financing ecosystem that combines policy support, credit enhancement, and data empowerment, exemplified by the "Jike Points Loan" initiative in Hebei, which uses innovation points for credit assessment [4] - The "Kechuang Cloud Guarantee Loan" was introduced in Yunnan, providing up to 10 million yuan in unsecured loans for qualified technology enterprises, thereby lowering financing barriers [4] Group 3: Scenario-Based Financial Innovation - BoCom developed the "Electric Grid Pass" comprehensive financial service plan to meet the financial needs of the electric power industry, which has been upgraded to "Electric Grid Pass 2.0" to include services for new energy charging stations [5][6] - The "Cloud Electric Quick Loan" was introduced to assess corporate vitality based on electricity consumption patterns, offering credit support to high-quality electricity-using enterprises [6] Group 4: Digital Tools and Efficiency Enhancement - BoCom launched the "Yun Tong Account Management" payment settlement solution to address common pain points in corporate financial management, providing integrated services for payment, reconciliation, and fund supervision [7] - The bank aims to create a digital financial ecosystem that integrates financial technology into various operational aspects of enterprises, facilitating deep collaboration between financial services and business operations [7]