盛京银行认为，银行要走出传统信贷的"舒适圈"，将风控视角从"企业主体信用"转化为"物的信用"，用 产业思维重构金融逻辑，也许才是产品创新的破局之道。 盛京银行上海分行相关负责人，从银行视角，提出存货和仓单类的金融产品的创新痛点。传统信贷逻辑 是看股权、看报表、看房产抵押，这一套逻辑并不适用于货权类供应链金融业务。盛京银行认为，创新 的关键是深入产业，将风控视角转化为看货物流动性、看仓库管理、看处置路径，从产业运行逻辑中 找"答案"。该行通过深入产业调研，创新构建了"四维一体"风控体系——从押品准入、仓库评估、价格 风险、违约处置四个维度建立标准化评估模型，推出的大宗商品货押系列产品已累计为多家中小微企业 提供融资支持。 事实上，在整个供应链系统中，仓库是货物安全的关键。上港云仓(上海)仓储管理有限公司朱逸钦表 示，传统货押产品结构复杂、权责利不清晰，金融机构确权难度大，仓储企业对于风险责任的划分也存 在顾虑。在产品结构的法律关系中，仓储企业更倾向于 "以交付代替监管"的仓储银行合作新模式，这 既具有法条依据，也利于仓储企业与银行之间划分权责利。 价格风险管理是货权类金融产品设计的关键一环，也是大宗产业客户的必 ...

Core Insights - The forum held on March 27, 2025, focused on the integration of digitalization in supply chain finance and the construction of a digital supply chain service ecosystem amid the technological wave of AI and upcoming regulatory changes [1][2] - The theme "Digital-Physical Integration, Intelligent Chain Future" attracted over 500 industry elites to discuss innovative paths and compliance practices in supply chain finance, aiming to enhance industry resilience and global layout [1][2] - Key reports and rankings were released, including the "2025 China Supply Chain Service Ecosystem Innovation Development White Paper" and the "2025 China Supply Chain Service Survey Report," aimed at setting innovation benchmarks and promoting ecological cooperation [1] Group 1: Industry Trends - Supply chains are becoming critical for enterprise strategic upgrades, driven by high-quality development and dual circulation patterns [2] - Current supply chain characteristics include professional collaboration, digitalization, green low-carbon extension, and cross-border globalization, while facing challenges like rising accounts receivable and tight cash flow [3] - The need for transformation in supply chains is emphasized, shifting from circulation to production services, from linking to collaboration, and from digitalization to intelligent digitalization [3] Group 2: Technological Integration - The integration of digital economy with the real economy is crucial, with digital technology connecting various economic entities and activities in supply chain finance, forming a "trust chain" [2] - The future of supply chain finance relies on data penetration, intelligent mutual trust, and value sharing, aiming to create a dynamic collaborative network [3] - The trend towards "data elements × scenario finance" is highlighted, focusing on reconstructing financial logic through data-driven approaches to extend services beyond core enterprise credit [4] Group 3: Forum Highlights - The forum featured discussions on four major themes: digitalization + supply chain + finance for local industry development, cross-border supply chain and finance in the context of enterprises going global, innovation driven by AI + data, and the construction and implementation of "物的信用" [4] - Notable speakers included industry leaders and experts who shared insights on the future of AI in industrial applications and the evolution of supply chain finance [3][4]