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提升产业链与金融服务融合度
Jing Ji Ri Bao· 2025-07-26 22:26
Group 1 - The scale of industrial-financial cooperation is expanding, with over 3,100 financial and investment institutions focusing on manufacturing needs, resulting in more than 800 financial products and a cumulative financing support exceeding 1.2 trillion yuan, with an average of nearly 34 million yuan per benefiting enterprise [1] - Financial institutions recognize the potential within the industrial chain, as they can effectively address the information asymmetry challenge faced by small and micro enterprises by leveraging transaction data and cash flow from core enterprises [1] - The consensus among financial institutions is to "find enterprises along the industrial chain," leading to positive outcomes such as the maturation of accounts receivable pledge financing models and the use of equity investment information for financing [1] Group 2 - To further unleash the potential of industrial chain financial services, it is essential to enhance the integration of industrial chains with financial services, accurately linking enterprise financing needs with funding supply [2] - Core enterprises can provide credit enhancement for upstream small and micro enterprises through accounts receivable pledge models, allowing banks to extend credit while mitigating risks associated with loan defaults [2] Group 3 - The exploration of a "de-core" model in supply chains aims to provide more convenient financial support for small and micro enterprises, allowing them to secure loans based on orders and real trade backgrounds without needing guarantees from core enterprises [3] - This approach enhances service efficiency and improves credit accessibility, with commercial banks encouraged to apply it further to downstream enterprises for efficient online, bulk, and automated financial support [3]