围绕三大核心能力， "蕴通管账"为企业打造资金、结算与经营管理高度协同的一站式解决方 案。 在收付结算方面， "蕴通管账"不仅赋能核心业务场景，更延伸至企业日常运营的各个环节， 以多渠道、智能化的综合服务实现高效便捷的资金处理。切入销售环节，可提供强大的聚合收 款能力，无缝对接线上线下交易系统；联通采购环节，通过推单支付实现从合同审批到付款的 全链路自动化，显著提升采购效率；并深度融入企业非经营管理场景，赋能差旅报销、食堂消 费、党费缴纳等场景管理。 理念革新：业财融合新引擎，驱动一体化管理升级 近日，交通银行正式推出 "交银蕴通·管账"品牌服务方案，聚焦对公支付结算场景，着力解 决"结算工具杂、对账效率低、资金监管难"等痛点，高效响应新经济、新业态、新模式下企业 定制化、敏捷化诉求，实现从传统的"结算服务提供者"向深入业务场景、赋能价值创造的"场 景生态赋能者"全面升级，打通数字化转型与业财融合的"最后一公里"。 随着数字经济蓬勃发展，企业对金融服务提出了更高要求，推动银行服务向 "更高效、更便 捷、更安全"的方向加速迭代升级。 交行积极顺应时代需求，在 "交银蕴通"公司金融品牌体系下推出"蕴通管账"支付结 ...

Core Viewpoint - The article discusses the launch of the "Jiao Yin Yun Tong · Guan Zhang" brand service by Bank of Communications, focusing on enhancing corporate payment and settlement services to address pain points such as diverse settlement tools, low reconciliation efficiency, and challenging fund supervision, thereby transitioning from a traditional service provider to a scene ecosystem enabler [1][4]. Group 1: Conceptual Innovation - The service aims to drive integrated management upgrades through the concept of business-finance integration, responding to the evolving demands of enterprises in the digital economy [3][4]. - It establishes a data-driven management system that integrates "scene, customer, account, and funds," forming a unique "3+4" service model [4]. Group 2: Product Empowerment - The "Yun Tong Guan Zhang" service offers a one-stop solution that highly coordinates funds, settlement, and operational management [6]. - It enhances core business scenarios by providing multi-channel, intelligent services for efficient fund processing, including seamless integration of online and offline transaction systems [7]. - The service includes comprehensive account management, automatic reconciliation, and fund supervision, ensuring clear transaction tracking and accurate fund allocation [8]. Group 3: Ecological Interconnection - The service introduces "scene+" financial solutions tailored to four key economic scenarios: real economy, livelihood economy, platform economy, and park economy [9][10]. - It supports the real economy by facilitating supply chain collaboration and operational efficiency across procurement, production, and sales [9]. - For the livelihood economy, it streamlines payment processes for public utilities and daily consumption, enhancing user convenience [9]. - In the platform economy, it provides flexible account management and efficient fund distribution solutions to meet the needs of various stakeholders [9]. - The park economy is addressed through unified payment and intelligent management, promoting digital financial services within modern park ecosystems [10]. Group 4: Market Reach - Bank of Communications has developed customized solutions for over 30 industries, serving nearly 160,000 government and enterprise clients, leveraging its extensive experience in the corporate payment and settlement sector [10].

Core Insights - The core viewpoint of the news is that Bank of Communications has launched the "Yun Tong Guan Zhang" brand service plan, focusing on corporate payment and settlement scenarios to address pain points such as complex settlement tools, low reconciliation efficiency, and difficult fund supervision, thereby upgrading from a traditional service provider to a scene ecosystem enabler [1][2]. Group 1: Conceptual Innovation - The integration of business and finance is positioned as a new engine driving integrated management upgrades, responding to the higher demands for financial services in the digital economy [2]. - The "Yun Tong" financial brand system introduces the "Yun Tong Guan Zhang" sub-brand, emphasizing data-driven management across "scene, customer, account, and funds" [2]. - The unique "3+4" service model leverages core capabilities in payment settlement, reconciliation, and fund supervision to create service advantages [2]. Group 2: Product Empowerment - "Yun Tong Guan Zhang" offers a one-stop solution for funds, settlement, and operational management, enhancing efficiency across various business scenarios [3]. - In payment settlement, it provides multi-channel, intelligent services that streamline fund processing, enhancing procurement efficiency through automated payment processes [3][4]. - The reconciliation service includes account management, automatic write-offs, and clear transaction tracking, addressing the challenges of matching transaction flows with receivables [3][4]. Group 3: Ecological Interconnection - The service targets four core economic scenarios, providing tailored financial solutions that inject digital vitality into various sectors [5][6]. - For the real economy, it focuses on the entire operational chain of manufacturing enterprises, facilitating data flow across procurement, production, and sales [5]. - In the platform economy, it develops flexible account management systems to meet the complex fund clearing needs of e-commerce and internet finance platforms [6]. Group 4: Market Reach - The Bank of Communications has customized solutions for over 30 industries, serving nearly 160,000 government and enterprise clients, indicating a strong market presence [6]. - The "Yun Tong Guan Zhang" service aims to support enterprises in achieving business-finance integration and digital transformation, contributing to high-quality development [6].