智慧农批系统破局，兴业银行广州分行数智赋能普惠金融

Core Viewpoint - The Guangzhou Agricultural Wholesale Market, as a vital supply chain for the Greater Bay Area, faces challenges such as fragmented operations and financing difficulties for traditional merchants. The Industrial Bank's Guangzhou branch is leveraging a smart agricultural wholesale system and a dedicated financing product, "Xing Su Dai," to drive a technological and financial transformation in the industry, enhancing support for merchants and promoting a new phase of smart transformation in the agricultural wholesale sector [1][2]. Group 1: Financial Support and Services - As of September 2025, the Industrial Bank's Guangzhou branch has exceeded 46 billion yuan in inclusive finance loans, serving over 10,000 clients in the region, with a growing proportion of agricultural wholesale and related merchants [2]. - The bank has established a "financial commissioner" mechanism to address local operational challenges, providing a comprehensive service system that integrates payment, management, and financing for merchants in the agricultural wholesale market [2][3]. - The "Xing Su Dai" product offers tailored financing solutions for agricultural wholesale merchants, with a maximum credit limit of 5 million yuan, no need for fixed asset collateral, and a flexible repayment model that aligns with merchants' seasonal cash flow needs [3]. Group 2: Technological Integration and Transformation - The smart agricultural wholesale system captures real-time operational data, which supports credit approval processes, creating a closed-loop service model that connects agricultural operations, data verification, and credit financing [3]. - The bank's initiative includes localized promotional strategies and training programs to ensure merchants effectively utilize the smart system and financing products, thereby enhancing service accessibility [4]. - The ongoing deployment of the smart agricultural wholesale system across multiple key markets in Guangzhou aims to create a comprehensive service network that supports the city's transition from traditional to smart agricultural wholesale operations [4][5]. Group 3: Future Directions - The Industrial Bank's Guangzhou branch plans to deepen the localization of its smart agricultural wholesale system and "Xing Su Dai" product, while actively engaging with local government departments to explore new service models [5]. - The bank aims to expand its service coverage and conduct financial literacy training for agricultural wholesale merchants, ensuring that inclusive financial services reach every stall in the region [5].