Core Viewpoint - Shuyang Rural Commercial Bank is actively exploring the application of digital RMB in serving the real economy, focusing on green loan business scenarios to support local industries [1] Group 1: Digital RMB Loan Initiatives - The bank has issued a cumulative digital RMB loan balance exceeding 400 million yuan, injecting new digital technology momentum into the development of green industries in the county [1] - The bank leverages its 47 rural branches to build digital RMB payment scenarios for the local specialty industry, particularly focusing on the Qianji old goose industry [1] Group 2: Financial Impact and Cost Savings - A total of 8.15 million yuan in digital RMB loans has been issued to individual businesses and enterprises related to the Qianji old goose industry, resulting in transaction cost savings of approximately 225,000 yuan for processors, merchants, and cold chain transport [1] - The Qianji town has 7 direct-operated stores and 25 franchised stores in surrounding areas, achieving full-chain transactions with an annual transaction volume exceeding 15 million yuan [1]

Core Insights - Ping An Bank's Guangzhou branch has successfully implemented the first "data asset pledge + digital RMB loan" in the highway industry, marking a significant milestone in transforming data resources into capital [1][2] - The collaboration with Guangdong United Electronic Services Co., Ltd. demonstrates Ping An Bank's innovative approach to financing technology enterprises by utilizing data assets as collateral, addressing the financing bottleneck faced by many tech companies [2][3] Group 1: Data Asset Transformation - Traditional credit systems rely on tangible assets for collateral, but many tech companies possess core value in intangible assets like patents and data, which are often overlooked [2] - Ping An Bank has identified this gap and pioneered a new model that allows data assets to be included in the bank's credit asset pool, validating the future value of data assets [2] Group 2: Financial Services Innovation - The use of digital RMB as a loan disbursement method provides clients with an unprecedented "payment upon settlement" experience, enabling instant fund availability [3] - Timely access to funds allows tech companies to seamlessly connect R&D investments and technology upgrades, enhancing their market competitiveness [3] Group 3: Tailored Financial Solutions - Ping An Bank has established long-term partnerships with various tech companies, providing continuous financing support throughout their growth stages, from initial credit loans to comprehensive financing products [4][5] - A customized credit solution of 100 million yuan was developed for a leading fintech company, addressing its unique needs through a combination of working capital loans and performance guarantees [5] Group 4: Comprehensive Financial Ecosystem - Ping An Bank has created a "full lifecycle companion" service model that adapts to the different stages of a tech company's development, ensuring that financial services align with their specific needs [6] - The bank has also introduced tailored supply chain financing solutions to address challenges faced by tech companies, enhancing their operational stability and growth [7] Group 5: Future Outlook - By supporting various tech enterprises, Ping An Bank is building a complete ecosystem for technology financial services, positioning itself to leverage opportunities in the evolving tech finance landscape [7]

记者从石景山区金融办获悉，近日，京石文旅所属北京石创同盛融资担保有限公司携手中国银行石景山 支行成功为凌宇科技 (北京)有限公司提供数字人民币贷款支持,标志着区域"政银担"合作模式迈入数字 化新阶段。根据《石景山区普惠金融发展专项资金支持小微企业融资若干措施(试行》》,首次通过数字 人民币形式获得贷款资金的企业，按照实际支付利息的100%予以贴息，同时可享受担保费50%的补 贴，显著降低企业融资成本，进一步激发市场主体活力。（21世纪经济报道） ...