兴业银行乌鲁木齐分行破解汽车贸易融资难题

Core Insights - The collaboration between Industrial Bank Urumqi Branch and a certain investment holding group in Horgos has led to the development and implementation of Xinjiang's first innovative supply chain financial product [1] - This product integrates financial resources with the entire "order-logistics-settlement" chain of the automotive trade, injecting new momentum into the integrated development of regional foreign trade [1] Group 1: Product Features - The product features a structured design that closely combines cross-border direct loans and domestic guarantees with the actual processes of automotive trade [1] - It introduces a credit enhancement mechanism through state-owned enterprise platforms, creating a comprehensive financial solution that integrates "business flow, logistics, capital flow, and information flow" [1] Group 2: Benefits to Automotive Trade - This model alleviates the financing pressure on automotive trade enterprises, particularly small and medium-sized traders, while significantly reducing information asymmetry and potential risks through closed-loop management [1] - The new product effectively addresses long-standing issues such as prolonged capital turnover periods and exchange rate fluctuations, providing more convenient and cost-effective funding support to local automotive trade companies [2] Group 3: Impact on Industry - The supply chain financial innovation enhances the overall capital turnover efficiency of the industry chain by linking automotive manufacturing, distribution, and overseas sales terminals [2] - It accumulates practical experience for Horgos to become an important cross-border financial settlement node in the Belt and Road Initiative, promoting deep integration of regional industries and finance [2]