21世纪经济报道·2025-12-12 06:46Core Viewpoint - The article emphasizes the role of financial services in driving high-quality development of the real economy, highlighting the initiatives of the Bank of Communications (BoCom) to enhance corporate financing and operational efficiency through innovative financial solutions and deep collaboration with government and enterprises [1][11]. Group 1: Financial Services Initiatives - BoCom launched the "Yun Tong Treasury" brand service, offering a "1+3+N" smart treasury service system tailored for state-owned enterprises and large corporate groups, facilitating a comprehensive upgrade in financial resource management [2]. - The "Yun Tong Treasury Management System (Yun Kua Hang 3.0)" was introduced to enhance financial management capabilities, enabling direct connections with over 220 domestic and international banks for improved global account management and payment solutions [3]. Group 2: Collaborative Financing Ecosystem - BoCom collaborates with local governments to create a financing ecosystem that combines policy support, credit enhancement, and data empowerment, exemplified by the "Jike Points Loan" initiative in Hebei, which uses innovation points for credit assessment [5]. - The "Kechuang Cloud Guarantee Loan" was introduced in Yunnan, providing up to 10 million yuan in pure credit loans for qualified tech enterprises, thereby lowering financing barriers and supporting the expansion of tech finance [5]. Group 3: Scenario-based Financial Innovation - BoCom developed the "Electricity Network Pass" comprehensive financial service plan, addressing the financial needs of the electricity industry chain, and upgraded it to "Electricity Network Pass 2.0" to include services for new energy charging stations [7][8]. - The "Yun Dian Quick Loan" was created to assess corporate vitality based on electricity consumption patterns, offering credit support to high-quality electricity-using enterprises [8]. Group 4: Digital Tools and Efficiency Enhancement - The "Yun Tong Account Management" payment settlement solution was launched to address common pain points in corporate finance, providing flexible account and payment functionalities to enhance efficiency and security [10]. - BoCom aims to integrate financial technology into various operational aspects of enterprises, fostering a future-oriented digital financial ecosystem [10]. Group 5: Future Directions - BoCom plans to continue the "Yun Tong Wanli Xing" series of activities, focusing on resource allocation and financial integration to support regional high-quality development and modernization efforts in China [11].