宁夏石嘴山：依托数字化赋能推动供应链金融创新发展

Core Viewpoint - The People's Bank of China, Shizuishan Branch, is innovating supply chain finance to alleviate the financing difficulties faced by small and micro enterprises, enhancing regional economic resilience and vitality through digital technology and a new operational model [1][6]. Group 1: Supply Chain Finance Innovations - The Shizuishan Branch has implemented a "Three Mechanisms, Three Lists + N" model to improve inclusive financial services, focusing on the financing challenges of small and micro enterprises [2][7]. - Since 2023, the branch has organized 37 various matching activities, engaging over 1,500 enterprises, with on-site signed amounts exceeding 6.7 billion yuan, effectively supporting enterprises' loan stability and expansion needs [2][7]. - The introduction of the digital supply chain financing product "Ding e Credit" and the successful implementation of online reverse factoring have provided one-stop financing support to key enterprises, alleviating payment pressures [2][7]. Group 2: Digital Empowerment and Credit Assessment - The Shizuishan Branch is promoting a "de-core" supply chain finance service model that shifts credit assessment from core enterprise credit to transaction data credit, creating a financing loop that does not occupy core enterprise credit limits [3][8]. - The use of blockchain, electronic signatures, and invoice verification technologies enables online transaction background audits, ensuring trade authenticity and significantly reducing loan approval times to 2-3 working days [4][9]. Group 3: Financial Growth and Impact - By the end of Q3 2025, the supply chain financial loan balance of Shizuishan Bank increased by 473 million yuan, with inventory pledge financing growing by 318 million yuan, marking significant progress in supply chain finance innovation [5][10]. - The "de-core" financing model has facilitated 20 financing transactions totaling 58.27 million yuan for four chain enterprises, opening new pathways for regional small and micro financing services [5][10]. - As of October 2025, the balance of inclusive small and micro loans in Shizuishan has increased by 10.8% year-on-year, with a net increase of 1.16 billion yuan since the beginning of the year [5][10].