Core Viewpoint - The article highlights the transformative impact of financial technology on the financial industry and the economy, focusing on the "Co-Winning Chain" project launched by Jiangsu Kunshan Rural Commercial Bank, which aims to provide integrated financial services to the electronic information industry and drive high-quality economic development [1][6]. Group 1: Economic Context - Kunshan, as a leader in county-level economies, has a GDP exceeding 538 billion yuan in 2024, with the electronic information industry contributing over 60% to the industrial output [2]. - The region has established a complete industrial chain ecosystem, particularly in integrated circuits, new displays, and smart terminals, but faces challenges such as financing difficulties for upstream suppliers [2][3]. - The traditional credit assessment system of financial institutions is inadequate for the needs of small and medium-sized enterprises (SMEs) in the electronic information sector, leading to liquidity issues in the supply chain [2][3]. Group 2: Policy and Market Opportunities - National policies are promoting supply chain financial innovation, encouraging financial institutions to provide efficient financing services based on the credit of core enterprises [3]. - Kunshan Rural Commercial Bank has identified the electronic information industry as a key area for innovation, leveraging financial technology to create a new supply chain finance model [3][6]. Group 3: Co-Winning Chain Project - The "Co-Winning Chain" project aims to extend the credit of core enterprises to their upstream and downstream partners, using transaction data instead of traditional collateral to facilitate financing [4][8]. - As of June 2024, Kunshan Rural Commercial Bank reported total assets of 183.5 billion yuan, with a non-performing loan ratio of 0.85% and a provision coverage ratio of 546%, indicating strong asset quality [4]. - The project addresses three key issues: stabilizing the supply chain, enhancing collaboration between core enterprises and suppliers, and providing growth capital to innovative SMEs [6][8]. Group 4: Implementation and Impact - The project is designed to solve financing challenges for SMEs by creating dynamic credit profiles based on historical transaction data, allowing for unsecured credit loans [8][10]. - The bank's service model has evolved from being a mere fund provider to an ecosystem service integrator, enhancing customer acquisition and optimizing risk management through data accumulation [10][16]. - The project has already authorized 188 core enterprises and is progressing with 1,601 potential chain enterprises, demonstrating effective marketing and evaluation strategies [16]. Group 5: Future Directions - The bank aims to deepen its support for the real economy by continuously improving the Co-Winning Chain platform and addressing the unique needs of different enterprises within the supply chain [16][17]. - It is committed to promoting sustainable development by integrating environmental, social, and governance (ESG) principles into its financial services, particularly in supporting green industries [17]. - The bank will maintain its focus on local economic development, ensuring that it supports local enterprises and community welfare, especially during global supply chain fluctuations [17].

Economic Overview - As of the end of 2023, Kunshan achieved a GDP of 514.06 billion, marking a 5% year-on-year growth, maintaining its position as the top county in China for 19 consecutive years [1] - The industrial output value of Kunshan reached 1.1433 trillion, with a year-on-year increase of 4.5%, driven primarily by the manufacturing sector, particularly the electronic information industry, which accounts for over 40% of the economic output [1] - In 2023, Kunshan attracted 2 billion in foreign investment and had a total import and export volume of 107.9 billion USD, ranking first among county-level cities in China [1] Industry Cluster Situation - By the end of 2023, Kunshan had one trillion-level industry cluster, the electronic information industry cluster, with an annual output value of 696.9 billion, reflecting a 15.6% year-on-year growth [2] - Kunshan has established a complete industrial chain in the electronic information sector, including integrated circuits, new displays, and smart terminals, showcasing strong development momentum [2] Bank Performance - As of June 2024, Kunshan Rural Commercial Bank reported total assets of 183.5 billion, deposits of 141.4 billion, loans of 111.1 billion, operating income of 2.195 billion, and net profit of 986 million, with a non-performing loan ratio of 0.85% and a provision coverage ratio of 546% [2] - The bank holds a 16.64% market share in RMB deposits, ranking first in the Kunshan area, and has been recognized as a benchmark bank by the China Banking and Insurance Regulatory Commission [2] Project Background and Objectives - The "Win-Win Chain" project was initiated to address the financing needs of the electronic information industry, particularly for upstream suppliers who often lack sufficient collateral to meet traditional lending standards [4] - The project leverages advanced data analysis and intelligent risk control systems to provide credit loans to upstream suppliers based on the authorization data from core enterprises [4] Project Implementation Process - Prior to the project launch, extensive feasibility studies and technical discussions were conducted, leading to the establishment of a professional product team to design the project framework [5] - The project was officially launched on August 2, 2024, with rapid progression through various phases, including development and testing, culminating in successful production on October 24, 2024 [5] Project Structure and Functionality - The "Win-Win Chain" project includes multiple subsystems that work together to create a robust financial service network, with a focus on intelligent risk control and data support [6] - The system architecture is designed to ensure efficient business processing, precise risk control, and comprehensive data support, facilitating seamless interaction between various components [7][8] Project Outcomes and Future Directions - The project has effectively addressed key challenges faced by upstream suppliers in the electronic information industry, providing quick and efficient credit solutions [10] - As of now, 188 core enterprises have authorized the project, with 1,601 upstream suppliers awaiting evaluation, indicating a strong momentum for the project's rollout [12] - The bank aims to continuously enhance the "Win-Win Chain" project, deepening the integration of financial technology with the real economy to support the sustainable development of the electronic information industry [13]

围绕民营企业"短、频、急"的融资需求，该行打造便捷化产品体系，整合企业税务、住宅估值、人行征 信、苏州地方征信等多维度数据，推出"宅捷贷""快捷贷"等抵押类标准化产品以及"信抵贷""共赢链"等 信用类产品，实现标准审批、快速放款、随借随还。建立存量客户到期融资需求主动摸排机制，主动摸 排存量到期客户诉求，对贷款到期后仍有融资需求的企业，优先通过无还本续贷模式及时提供续贷支 持，做到"应续尽续"，打造"无缝续贷"，提高小微企业贷款周转率。畅通绿色服务通道，在审批流程中 设立民营企业专属通道，对名单内企业实行"四个优先"——优先调查、优先审查、优先审批、优先出批 单，及时满足民营企业的融资需求。昆山某金属有限公司成立于2019年，主营模具配套加工。2024年企 业纳税销售收入突破千万元，展现出稳健发展态势。昆山农商银行在走访服务中了解到，该企业因承接 新订单急需原材料采购资金，随即启动快速响应机制，通过"宅捷贷"产品量身定制融资方案，采用资产 抵押增信方式，在5个工作日内完成授信审批，及时满足企业扩产需求，保障新订单顺利交付。 昆山农商银行始终将服务民营企业作为核心战略，通过网格走访、产品创新、行业研究三举措，持 ...