锚定产业痛点，定制方案纾困解难 在科技强国战略深入推进、实体经济加速转型升级的背景下，科技型企业正成为驱动高质量发展的核心 力量。党的二十届四中全会将"推动科技创新与产业创新深度融合"作为加快高水平科技自立自强与引领 发展新质生产力的重要内容进行部署，交通银行立足大行担当，以产业链金融为重要抓手，通过数字 化、场景化、生态化的创新服务，精准破解科技企业融资痛点，为科技创新与产业升级注入强劲金融动 能，奋力书写"科技金融"大文章。 以汽车行业为例，交通银行运用金融科技迭代升级智慧汽车金融系统，通过订单流、资金流、货物流的 闭环，实现了以全线上、自动化的方式为经销商办理"秒级"提款业务，大幅提升下游分销渠道的融资效 率。同时，通过物联网、大数据的有效结合，实现全线上"车联网管理"，提升风控能力、降低作业成 本，护航新能源汽车产业链驶入发展快车道。 此外，交通银行还联合市场上主流的供应链金融公司，发挥彼此在金融要素、运营能力、信息科技之间 的优势，为科技型企业提供综合化服务方案，高效打通资金端与资产端的对接渠道，从而提升服务核心 企业和链属企业能力。截至2025年10月，交通银行已对接合作约15家头部三方信息服务商 ...

Core Insights - Jiangsu province contributes nearly 10% of China's GDP, with a projected GDP of over 13.7 trillion yuan in 2024, driven by robust industrial clusters and efficient supply chain networks [1] - The traditional supply chain finance model, heavily reliant on core enterprise credit, is facing challenges and is undergoing a transformation towards a data-driven credit system [5][6] Supply Chain Challenges - Many small and medium-sized enterprises (SMEs) in Jiangsu's manufacturing sector struggle with financing due to reliance on traditional collateral methods, which do not suit their operational models [2][3] - The "nuclear control" model, which depends on core enterprises for credit, creates significant credit risks and fails to support the financing needs of smaller enterprises [3][4] Innovative Solutions - The emergence of the "de-nuclearization" model aims to reduce reliance on core enterprise credit by utilizing data credit systems, allowing for a more inclusive financing approach [5][6] - Companies like Qingtian Technology have successfully implemented innovative financing solutions, such as "Quick Payment," which leverages transaction data to facilitate quicker access to loans for SMEs [6][7] Collaborative Financing Models - XuGong Group has developed its own supply chain finance platform, XuGong Rongpiao, to integrate suppliers and financial resources, although it initially faced challenges with traditional financing models [4][8] - New risk-sharing mechanisms have been introduced, allowing for a more collaborative approach between core enterprises and financial institutions, enhancing credit access for SMEs [8][9] Policy and Technological Support - The Chinese government is promoting the "de-nuclearization" model through policies that encourage the use of data credit and support financing for SMEs [11][12] - Jiangsu province is actively exploring digital financial services to innovate supply chain financing, aiming to create a comprehensive credit evaluation system [11][12] Future Directions - The shift towards a decentralized credit system based on real transaction data is expected to enhance the resilience of supply chains and foster closer cooperation among industry players [12][13] - Financial institutions are encouraged to adopt multi-dimensional analyses of supply chain clients to support the development of data credit systems, which will be crucial for the future of supply chain finance [12][13]