凤凰网财经·2025-12-11 14:47Core Viewpoint - The article emphasizes the transformation of China's manufacturing industry towards high-quality development, focusing on the competition of "time and efficiency" in the global supply chain restructuring. The shift from a "demographic dividend" to an "efficiency dividend" is highlighted, where financial flows, information flows, and credit flows are crucial for gaining a competitive edge in the market [1]. Group 1: Reconstruction of "Settlement Time" - The launch of "Yun Kuan Hang 3.0" aims to revolutionize payment processes, reducing international remittance times from 1-3 working days to seconds, addressing the pain points of high costs and inefficiencies in traditional cross-border payments [2]. - The system integrates various channels like bank-enterprise direct connections and SWIFT, allowing seamless connections with over 220 domestic and international banks, providing a one-stop global cash management service [2]. Group 2: Reconstruction of "Management Time" - The article discusses the challenges in financial management, such as manual operations and long reconciliation cycles, which hinder efficiency. For instance, a provincial state-owned enterprise has over 600 bank accounts with a direct connection coverage of less than 40% [5]. - The "1+3+N" smart treasury service system offers customized solutions for large group clients, enabling seamless coordination of domestic and international operations through a comprehensive treasury platform [5][6]. Group 3: Reconstruction of "Decision Time" - Traditional financial management relies on outdated data, leading to delayed decision-making. "Yun Kuan Hang 3.0" provides a dynamic visual dashboard for real-time cash flow forecasting and risk monitoring, enhancing decision-making capabilities [7][8]. - The system supports a complete feedback loop for decision-making, transforming financial management from a cost center to a core value creation component for enterprises [8]. Group 4: Reconstruction of "Ecological Time" - The article highlights the importance of ecosystem collaboration in the digital economy, moving from isolated efficiency improvements to chain acceleration through collaborative networks involving enterprises, supply chains, banks, and ecosystem partners [9][10]. - "Yun Kuan Hang 3.0" facilitates real-time collaboration across the supply chain, providing efficient financing support to smaller enterprises and enhancing overall funding turnover efficiency [10][11]. Group 5: National Responsibility and Financial Productivity - The system's capabilities stem from Traffic Bank's continuous investment in financial technology, with "Yun Kuan Hang 3.0" being fully self-developed and equipped with proprietary intellectual property [12]. - The system aligns with national strategies, enhancing industrial chain efficiency and supporting the dual circulation development pattern by providing secure and efficient global funding channels for enterprises [12][13].