Sou Hu Cai Jing·2025-12-25 23:11Core Insights - The article discusses the launch of "Yuecang Cloud Loan" by China Construction Bank's Guangdong branch, aimed at addressing the financing challenges faced by small and micro traders in the cold chain industry, which is crucial for ensuring the quality and safety of food and pharmaceuticals [2][3]. Group 1: Product Overview - "Yuecang Cloud Loan" utilizes IoT and blockchain technology for comprehensive monitoring of goods throughout the supply chain, enabling dynamic risk assessment and significantly reducing the financing process to minutes [2][4]. - The product was successfully launched at the end of 2024, with the first loan disbursed, marking a significant step in facilitating financing for the cold chain industry [3][6]. Group 2: Innovation Highlights - The product features three main innovations: a digital monitoring system using IoT and blockchain, an intelligent risk control center that enhances credit approval efficiency by over 80%, and a fully online application process that can complete financing in as little as 30 minutes, improving efficiency by 90% compared to traditional methods [4][6]. - The integration of various data resources ensures the reliability of underlying data, effectively addressing valuation, regulation, and risk management challenges in the cold chain sector [4][6]. 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 banking services [6]. - The model is seen as a benchmark for innovative financing solutions in the cold chain industry, providing significant financial support and stimulating regional economic growth [6]. - 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 small and micro enterprises [6].