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“数”通上下、“链”润实体, 浙商银行供应链金融新模式助力产业能级提升
Xin Hua Wang· 2025-08-12 06:14
衢州市开化县音坑乡的农户叶友录只要跟人闲聊就极力推荐屋顶光伏电站和光伏贷,笑称"平均每 年增收8000元,相当于多了一笔养老钱"。老叶这一致富小能手的实现,正是得益于浙商银行的供应链 金融服务。 浙商银行在不断升级供应链金融服务模式的过程中发现,不同行业供应链融资存在差异化需求,须 从行业需求出发,分析行业在生产、采购、订单、支付、销售全场景的典型性特征,通过数字化应用, 分类施策提供行业供应链金融服务解决方案。 中央金融工作会议指出,要坚持把金融服务实体经济作为根本宗旨,要优化资金供给结构,把更多 金融资源用于促进科技创新、先进制造、绿色发展和中小微企业。浙商银行供应链金融新模式,就是在 服务实体、优化金融资源配置方面的一项成功探索。 近年来,浙商银行抓住数字化供应链金融发展机遇,主动投入数字化改革大潮,全力助推数字经济 创新提质"一号发展工程",围绕链上中小企业融资需求,坚持创新深化、高效联动,建设数字化供应链 金融平台,提升数据治理能力,释放数据要素价值,构建数智金融服务能力,全力保障中小微企业融资 畅通,助推浙江产业链供应链高质量发展。 创新应用 升级全链条、全场景、全产品的数智化供应链金融服务 "降 ...
聚焦“政采贷”创新实践 拓宽企业供应链融资新维度
Zhong Guo Jing Ji Wang· 2025-08-08 07:21
Core Viewpoint - Ningbo Bank is actively fulfilling its mission by leveraging digital supply chain finance to meet the financing needs of upstream and downstream enterprises, thereby supporting high-quality development of businesses [1][2] Group 1: Supply Chain Financing - Ningbo Bank utilizes the "Unified Registration and Publicity System for Movable Property Financing" to efficiently complete accounts receivable pledge registrations, supporting supply chain financing [1] - The "Government Procurement Loan" product is a key offering from Ningbo Bank, designed to provide credit to suppliers based on government procurement contracts, addressing their funding needs [1] - The bank's supply chain financial platform allows enterprises to initiate financing applications online, streamlining the process for businesses [1] Group 2: Case Study - Zhejiang GY Technology Co., Ltd., a small enterprise focused on emergency services, experienced increasing financing needs as it expanded operations [1] - Ningbo Bank's Yinzhou branch conducted a thorough analysis of the company's sales model and settlement situation, recommending the "Government Procurement Loan" product [1] - The bank provided a short-term working capital loan of 5 million yuan to the enterprise, facilitating its financing process [1] Group 3: Commitment to Innovation - Ningbo Bank plans to continue focusing on supply chain financing products and actively engage in digital government reforms to support local enterprises [2] - The bank aims to innovate financial products and service models to break through financing bottlenecks for businesses [2] - By advancing in digital supply chain finance, Ningbo Bank seeks to provide high-quality and efficient financial services to the real economy [2]
银行助力“6·18” 点燃年中消费热情
Jin Rong Shi Bao· 2025-06-17 03:19
Group 1: Core Insights - The "6·18" shopping festival is a critical event for brands and e-commerce platforms, requiring efficient financial, logistics, and after-sales services to enhance consumer experience and brand reputation [1] - Financial institutions are focusing on product innovation and service upgrades to support consumer finance capabilities, aiming to unleash further consumption potential [1][2] Group 2: Financial Initiatives - Banks are leveraging credit cards to deepen partnerships with e-commerce platforms, offering various benefits to stimulate consumer spending [2] - China Bank is providing discounts for credit card users on platforms like Taobao and Tmall, along with zero-interest payment plans for new customers [3] - Financial products like "Fengrongtong" have been introduced to support small and medium-sized enterprises in managing inventory financing, with over 8.5 billion yuan in financing provided to more than 90 distributors [4] Group 3: Supply Chain and Logistics Support - The "National Subsidy Exclusive Loan" service launched by Webank aims to alleviate cash flow pressures for small businesses during the "6·18" period, offering loans up to 3 million yuan [5] - Postal Savings Bank has introduced "Express Loan" to assist logistics companies in upgrading equipment, enhancing delivery efficiency by over 30% [6] - Everbright Bank has developed a comprehensive financial support model for logistics companies, significantly reducing operational costs and improving efficiency for truck drivers [7]
光大银行推动商贸高速流通
Group 1 - The "618" shopping festival is a critical inventory preparation period, and traditional loan processes are inadequate for the urgent funding needs and long payment cycles of businesses [1] - "Fengrongtong" is a digital supply chain financial product developed by China Everbright Bank and SF Holding's subsidiary, addressing the financing difficulties faced by small-scale distributors [1] - Since its launch, "Fengrongtong" has provided over 8.5 billion yuan in financing support to more than 90 brand distributors in industries such as consumer electronics, home appliances, and liquor, effectively helping SMEs shorten their capital turnover cycles [1] Group 2 - China Everbright Bank is deeply involved in the issuance of "SF Logistics REITs" by SF Holding, which is a benchmark project supported by the state for the upgrade of the private economy and logistics industry [2] - SF Holding has reduced carbon emissions by over 100,000 tons annually through initiatives like promoting new energy transportation and building green industrial parks [2] - The bank plans to explore innovative areas such as cross-border logistics finance and data assetization to lower social logistics costs and contribute to efficient trade circulation and consumption [2]