兴业银行乌鲁木齐分行“四流合一”破解汽车贸易融资难题

Group 1 - The core viewpoint of the news is that Industrial Bank's Urumqi branch has successfully developed and implemented an innovative supply chain financial product in collaboration with a certain investment holding group in Horgos, marking the first of its kind in the region [1] - The product features a structured design that integrates cross-border direct loans and domestic guarantees with the actual processes of automobile trade, enhancing the financial solution by combining business flow, logistics, capital flow, and information flow [1] - This model alleviates financing pressure for automobile trade enterprises, particularly small and medium-sized traders, while significantly reducing information asymmetry and potential risks through closed-loop management, thereby improving the safety and efficiency of capital circulation [1] Group 2 - The launch of this product brings tangible benefits to local automobile trade enterprises, addressing long-standing issues such as prolonged capital turnover periods and exchange rate fluctuations [2] - The product provides more convenient and cost-effective funding support through state-owned enterprise credit enhancement and offshore RMB financing, enhancing operational flexibility and market competitiveness for businesses [2] - The innovation in supply chain finance connects automobile manufacturing, distribution, and overseas sales, injecting financial resources precisely into key trade segments, thereby improving overall capital turnover efficiency in the industry [2]