Core 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 Group 3: Reconstruction of "Decision Time" - Traditional financial management relies on outdated data, leading to delayed decision-making.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].

Core Viewpoint - The article emphasizes the transformation of China's manufacturing sector towards high-quality development, focusing on the competition of "time and efficiency" in the global supply chain, shifting from a labor-driven advantage to an "efficiency dividend" driven by financial, informational, and credit flows [1]. Group 1: Reconstruction of Settlement Time - The "Yun Kuan Hang 3.0" system addresses the inefficiencies of traditional cross-border payments, which can take 1-3 business days, by enabling "second-level transfers, real-time receipts, and immediate collections" through integration with over 220 domestic and international banks [3][4]. Group 2: Reconstruction of Management Time - The article highlights the challenges in financial management, such as manual operations and long reconciliation cycles, and how the "1+3+N" smart treasury service system provides customized solutions for complex management needs, enhancing efficiency and control [6][7]. Group 3: Reconstruction of Decision Time - The "Yun Kuan Hang 3.0" system enables real-time decision-making through a dynamic visualization dashboard, interactive smart reports, and mobile instant responses, transforming financial management from a cost center to a core value creation entity [9][10]. Group 4: Reconstruction of Ecological Time - The article discusses the importance of ecosystem collaboration in the digital economy, where the "Yun Kuan Hang 3.0" system facilitates a collaborative network among enterprises, supply chains, banks, and ecosystem partners, enhancing overall efficiency [12][13]. Group 5: National Responsibility - The "Yun Kuan Hang 3.0" system reflects the bank's commitment to enhancing financial productivity and supporting national strategies, aiming to improve supply chain efficiency and provide a secure, efficient global funding channel for enterprises [14][15].

当前，全球产业链正在加速重构，中国制造业处在迈向高质量发展的关键阶段。一场围绕"时间与效 率"的竞争不断深入。过去依赖人口红利构建的"中国制造"优势，正转向以资金流、信息流、信用流高 效协同为核心的"效率红利"。谁能压缩资金流转的"时间差"、打通数据协同的"堵点"，谁就能在全球产 业链重塑中抢占先机。 面对企业提升综合效能、破解"时间困境"的核心需求，交通银行作为金融"国家队"，依托蕴通司 库"1+3+N"服务体系，以"不止于连接，更在于预见"服务理念，升级推出"蕴通司库管理系统（云跨行 3.0）"，助力企业加速推进财资管理数字化、智能化跃迁。该系统不仅承载着交行服务实体经济、畅通 国内国际双循环的使命，更通过四大维度的"时间重构"，将金融科技转化为驱动产业升级的新质生产 力。 重构"结算时间"：从"天"到"秒"的支付革命 "企业管理的核心是财务管理，财务管理的核心是资金管理。"交通银行相关负责人在"云跨行3.0"发布 会上指出，司库体系建设是对资金管理的全面升级和战略性拓展。 在传统跨境支付结算中，一笔国际汇款往往需经历多个清算层级，耗时1-3个工作日，效率低、成本 高。而对出海企业而言，每一分延迟都意味着 ...

Group 1 - The company is a leading player in the automotive circulation sector in Weifang, with over 50 4S stores, maintaining a dominant market position [1] - The traditional manual financial management model has revealed bottlenecks, including inefficient account reconciliation, information silos from independent systems, and lack of real-time data for decision-making [1] - The bank has launched a customized "technology + service" dual-driven solution to address the urgent needs in multi-account management, system linkage, and financial decision support [1] Group 2 - The bank emphasizes a customer-centric approach, providing comprehensive support throughout the service process, including on-site training and timely responses to system issues [2] - The full-chain service model of "demand research - solution customization - operational support" has led to increased satisfaction and recognition from enterprises [2] - The bank's integration of financial technology with industry needs has not only improved corporate financial management efficiency but also provided a replicable benchmark for industry digital transformation [2]