当前，作为提升金融服务实体经济质效的重要抓手，供应链金融以产业协同为纽带，以数字技术为 支撑，成为兴产业、促转型、稳经济的关键力量。 中国人民银行、金融监管总局等六部门近日联合发布的《关于规范供应链金融业务 引导供应链信 息服务机构更好服务中小企业融资有关事宜的通知》（以下简称《通知》）强调，正确把握供应链金融 内涵与方向，以支持产业链供应链优化升级为着力点，聚焦制造业等重点行业和关键领域，增强产业链 供应链韧性和竞争力。 供应链金融主要以短期、高频的交易融资为基础，与企业中长期信贷形成"短长互补"的融资体系， 共同满足企业全周期资金需求。 一组来自中国财务公司协会的相关数据显示，2024年财务公司行业累计投放贷款237.74万笔，规模 5.42万亿元。截至2024年末，全行业短期贷款余额为1.85万亿元，中长期贷款余额为1.96万亿元。 "最近一段时间，财务公司明显对供应链金融给予了特别的关注。"一名财务公司从业人士告诉《金 融时报》记者，"不仅是票据承兑、贴现等传统业务，在模式创新与科技赋能方面，也都开始进行积极 尝试并收获可喜的进展。" 同时，一些财务公司纷纷开始扩招相关人员，除了非融资性保函、票据等信 ...

Core Insights - Supply chain finance is becoming a key driver for enhancing the quality and efficiency of financial services to the real economy, supported by digital technology and industry collaboration [1][4] - Recent regulations emphasize the importance of optimizing and upgrading supply chains, particularly in manufacturing and critical sectors, to enhance resilience and competitiveness [1][6] Group 1: Industry Trends - Financial companies are increasingly focusing on supply chain finance, not only in traditional areas like bill acceptance and discounting but also in innovative models and technology empowerment [1][2] - The financial company sector is projected to issue 2.3774 million loans totaling 5.42 trillion yuan in 2024, with short-term loans at 1.85 trillion yuan and medium to long-term loans at 1.96 trillion yuan [2] - Supply chain finance serves as a reflection of the efficiency of capital flow within the industry chain, helping financial companies identify weak points in capital allocation and risk management [2][3] Group 2: Product Innovation - China Railway Construction Corporation's financial subsidiary has launched innovative supply chain finance products like "Supply Payment Loan" and "War Procurement Loan," which address specific funding challenges within the supply chain [3] - These products aim to enhance the efficiency of capital use within the group and provide tailored financial support to upstream and downstream enterprises [3] Group 3: Digital Transformation - Financial companies are adopting a three-in-one service system combining internal banking, supply chain finance, and treasury management to enhance financial service efficiency [5] - The "Chudao Cloud Chain" platform developed by Hubei Jiaotong Financial Company has achieved an asset on-chain scale of 15 billion yuan and a financing scale of 12.8 billion yuan, with a financing conversion rate of 85% [5] - The industry is accelerating its digital transformation, leveraging technologies like big data and blockchain to create intelligent risk control models and efficient capital flow platforms [6]