建行广东省分行：数智钥匙破解冷链产业融资“坚冰”

Core Insights - The introduction of "Yuecang Cloud Loan" by China Construction Bank's Guangdong branch addresses the financing challenges faced by small and micro traders in the cold chain industry, utilizing digital technology to unlock significant value in this sector [1][2] Group 1: Financing Challenges in the Cold Chain Industry - The cold chain industry is crucial for ensuring the quality and safety of food and pharmaceuticals, with an expected logistics total of 9.75 trillion yuan by 2025 [2] - Traditional financing models struggle with regulatory, valuation, and disposal challenges, making it difficult for traders to access quick and efficient financing [2][3] Group 2: Innovative Solutions Offered - The "Yuecang Cloud Loan" product integrates IoT and blockchain for comprehensive cargo monitoring, addressing valuation and asset disposal issues [3] - A smart risk control center has been established, enhancing credit approval efficiency by over 80% through the integration of operational data, logistics information, and industry characteristics [3] - The entire loan application process is conducted online, allowing small businesses to complete financing in as little as 30 minutes, a 90% improvement over traditional methods [3] Group 3: Impact and Future Outlook - As of October 2025, the project has disbursed 180 million yuan in loans, supporting numerous cold chain traders and facilitating various corporate and retail services [4] - This model is seen as a benchmark for financial technology serving the real economy, alleviating financing pressures for small traders and invigorating the regional economy [4] - The bank plans to continue expanding its services, leveraging advanced technologies like cloud computing and big data to enhance financial inclusivity and adapt to the needs of the micro and small enterprise sector [4]