据了解，作为铁路"运费贷"的升级产品，铁路"运费证"业务将银行现有的国内信用证业务与铁路货 运业务相结合，企业在铁路物流运输中，可通过使用银行开具的国内信用证向铁路企业缴纳物流费用， 对比"运费贷"具有融资额度高、融资利率低、融资周期长等优势，实现了"铁路物流+供应链金融场 景"的新突破，更为后续服务同类物流企业、优化运费结算融资模式提供了新路径。 国铁集团郑州局铁路物流金融产品近日实现新突破，开出目前铁路线上办理额度最大的国内信用证 ——500万元"运费证"，标志着"铁路—金融—企业"三方共赢生态在地方实践中迈出坚实步伐，为服务 实体经济发展注入强劲动力。 2025年9月24日，国铁集团郑州局首笔"运费证"业务成功落地，10月27日开出的第二笔"运费证"金 额更是高达500万元，成为目前铁路线上办理金额最大的"运费证"。"运费证"业务凭借全流程数字化、 灵活账期设计、场景深度绑定三大优势，深受企业青睐。 下一步，铁路部门将充分发挥"运费证"办理便捷、融资成本低等优势，进一步提升铁路物流综合服 务水平，积极推动构建高效低碳的现代物流体系。 "企业客户通过'运费证'业务，可在95306平台生成运费账单后直接线上 ...

据悉，"运费证"业务凭借全流程数字化、灵活账期设计、场景深度绑定三大优势，深受企业青睐。2025 年以来，国铁集团郑州局管内办理铁路物流金融相关业务的客户运量达243.3吨，同比增长7.1%。（记 者翟濯） 据了解，在传统铁路货运模式中，大宗商品企业常面临"上游现款采购、下游赊销收款"的结算困境，叠 加每月数千万元的铁路运费占用，极易导致资金链紧张。作为铁路"运费贷"的升级产品，铁路"运费 证"业务将银行现有的国内信用证业务与铁路货运业务相结合，通过将资金流嵌入铁路货运全链条， 把"静态运费成本"转化为"动态资金流"。 "企业可通过使用银行开具的国内信用证缴纳物流费用，在95306平台生成运费账单后直接线上申请开 证，通过银行与铁路系统的数据直连，实现运单真实性实时核验、资金自动划拨，将传统数周的审批流 程压缩至3天内，同时还可享受最长1年的还款期限，大幅降低短期资金占用压力。"国铁集团郑州局货 运部相关负责人介绍，对比"运费贷"，铁路"运费证"业务具有融资额度高、利率低、周期长等优势，实 现了"铁路物流+供应链金融场景"的新突破。 记者从中国铁路郑州局集团有限公司（以下简称"国铁集团郑州局"）获悉，日前，国 ...

Core Viewpoint - The introduction of the "Railway Freight Certificate" by China National Railway Group in collaboration with commercial banks represents a significant innovation in logistics finance, aimed at alleviating cash flow pressures for manufacturing and trade enterprises [1][2]. Group 1: Product Overview - The "Railway Freight Certificate" allows customers to use letter of credit financing to pay for railway transportation fees, marking a new addition to existing services like freight loans and railway document financing [1]. - This product offers deferred payment capabilities, allowing enterprises to settle freight payments within one year from the loan date, thus easing short-term cash flow challenges [1]. Group 2: Financial Benefits - Compared to traditional bank or private lending, financing through the "Railway Freight Certificate" significantly reduces overall costs for enterprises, leading to a positive cycle of profit growth and market expansion [1]. - The product's advantages are supported by actual railway transportation operations and risk management through entrusted payment models, which provide interest rate discounts [1]. Group 3: Digital Transformation - The process for obtaining the "Railway Freight Certificate" has been streamlined into a fully online, paperless system via the railway 95306 platform, enhancing financing efficiency and convenience for users [2]. - This digitalization marks a new phase in railway logistics finance, simplifying the previously complex procedures of letter of credit financing to a more user-friendly experience [2]. Group 4: Strategic Implications - The launch of the "Railway Freight Certificate" signifies a shift for the railway sector from merely providing transportation services to developing comprehensive logistics solutions [2]. - There is an expectation for the railway sector to introduce more innovative measures that can benefit a wider range of enterprises and contribute to the vitality of China's economic development [2].

Core Viewpoint - Modern logistics is crucial for economic circulation, linking production and consumption, and supporting national economic policies through initiatives like the "National Railway Freight Loan" by SPDB [1][2] Group 1: Financial Product Overview - The "National Railway Freight Loan" is a digital financial product tailored for railway freight scenarios, leveraging historical shipping data for credit enhancement [2] - The product aims to provide efficient financing services through fully online operations, directly supporting market entities and stabilizing logistics chains [2] Group 2: Impact on Industries - SPDB's initiative focuses on key industries in Shanxi Province, such as coal, coke, and steel, offering customized financing solutions to meet specific needs [2] - The successful implementation of this loan product has enabled a steel company to resolve its freight turnover issues within 48 hours, showcasing the efficiency of the service [2] Group 3: Strategic Execution and Future Plans - The successful launch of the loan product highlights SPDB's strategic execution capabilities as a state-owned financial institution [2] - Looking ahead, SPDB plans to expand the coverage of the "National Railway Freight Loan" and other financial products to help businesses reduce financing costs and enhance operational efficiency [2]

Group 1 - Huaxia Bank signed a strategic cooperation agreement with China National Railway Group on February 28, 2025, marking a new phase in railway logistics financial services [1] - Huaxia Bank is the first among national joint-stock banks to achieve data interoperability with 95306 and full online operations, establishing a solid foundation for innovation in railway logistics financial services [1] - On March 28, Huaxia Bank's Guangzhou branch held a promotional event for the "Railway Freight Loan" product in collaboration with Guangzhou Railway Group, featuring discussions on this innovative financial product [1][2] Group 2 - The "Railway Freight Loan" is a digital financial product designed to alleviate financing difficulties for small and micro logistics enterprises, offering a maximum credit limit of 5 million yuan without collateral [2] - This product utilizes big data from the railway freight logistics industry to provide online, pure credit financing services, significantly simplifying the approval process and reducing overall financing costs for enterprises [2][3] - The product has received positive feedback from participating enterprises, highlighting its effectiveness in addressing the pressure of freight prepayment [2] Group 3 - Railway freight is a crucial component of China's real economy, covering key sectors such as energy, metallurgy, construction, chemicals, and agriculture, yet small logistics companies face high financing costs due to a lack of effective collateral [3] - The collaboration between Huaxia Bank and the railway sector represents a significant practice of financial institutions deeply integrating into the logistics industry chain [3] - Future developments will focus on digital financial products related to railway bill financing and multimodal transport settlement, with an emphasis on creating a "logistics + finance" ecosystem [3]