创新“脱核”模式，华瑞银行以数据赋能破解供应链融资难题

Core Insights - Shanghai Huari Bank has launched an innovative supply chain finance model called "Rui e Hui - Strong Data Scenario Decoupling Supply Chain Finance" to address the financing difficulties faced by small and micro enterprises in the supply chain [1][3] - The new model focuses on the pain point of excessive reliance on the credit of core enterprises, utilizing big data and artificial intelligence to create a new financing path based on real transaction data [1][3] Supply Chain Finance Challenges - In traditional supply chain finance, secondary and tertiary suppliers often struggle to secure financing due to a lack of credit backing when distanced from core enterprises [3] - Huari Bank's "decoupling" model targets high-frequency transaction scenarios such as logistics and fresh e-commerce, leveraging transaction data and settlement flows for in-depth analysis and cross-validation to assess suppliers' operational health [3] Successful Case Studies - A small enterprise providing logistics capacity was unable to obtain traditional loans due to personal reasons of its actual controller; however, Huari Bank granted credit after analyzing the stability of its transportation business and platform evaluation records [3] - A supplier for a fresh retail platform urgently needed funds during peak supply season and successfully obtained a loan within days after applying through "Rui e Hui," resolving its immediate need for raw material procurement [3] Market Coverage and Technological Advancements - The new model currently covers over 80% of "non-core direct suppliers" in Shanghai [3] - Huari Bank has established an "AI Application Joint Laboratory for Decoupling Supply Chain Finance" to continuously enhance the financial resilience of the industry chain through technology [3]