Core Insights - Shenzhen is accelerating the construction of a global marine center city, with finance and technology becoming key drivers for the high-quality development of the marine industry [1] - The collaboration between China Construction Bank Shenzhen Branch and Huacai Seafood Supply Chain (Shenzhen) Co., Ltd. exemplifies the innovative integration of green finance and the marine economy, utilizing digital platforms to break down information barriers in the industry [1][6] Group 1: Industry Challenges - Traditional sales methods in the seafood industry have led to significant challenges, including limited pricing power and slow payment cycles, causing cash flow issues for fishermen and small processing plants [4] - Financial institutions typically rely on collateral and financial statements for risk assessment, which is problematic in the seafood sector due to the illiquidity and valuation difficulties of fishing equipment [4][11] Group 2: Digital Transformation - Huacai Seafood Supply Chain has developed the "Huacai Bulk" trading platform, which aims to create a digital trading network for the seafood industry, projecting over 10 billion yuan in annual transaction volume by 2024 [5] - The digital platform provides transparent pricing and stable sales channels, allowing businesses to apply for loans based on verified transaction records, significantly improving the efficiency of the loan approval process [6][10] Group 3: Risk Management Innovations - The platform integrates a comprehensive digital information chain covering the entire process from fishing to trading, enhancing risk management through data-driven insights and predictive models [7][10] - A unique risk control system has been established by combining offline quality control with online transaction data, improving the bank's ability to assess risks in bulk commodity trading [10][13] Group 4: Financial Solutions - The "One Point to Nationwide" supply chain financial product by China Construction Bank offers integrated financial services to enterprises across the country, addressing traditional financing challenges by leveraging platform data for risk assessment [12][13] - The collaboration has resulted in the creation of the "Blue Ocean Benefit Loan," which shifts the focus of risk assessment from "subject credit" to "transaction credit," enhancing the efficiency and replicability of the financing system [12][13]