自中央金融工作会议以来，服务实体经济、做好"五篇大文章"已成为金融行业的首要任务。科技是第一 生产力，金融是实体经济的血脉，作为金融领域的探索者和实践者，平安银行将科技金融摆在重要战略 位置，积极探索服务科技企业的创新模式，近期首单落地的"数字资产质押"案例便是平安银行积极做好 科技金融大文章的生动注脚。 9月12日，平安银行广州分行珠江新城支行携手国家高新技术企业、广东交通集团下属广东联合电子服 务股份有限公司（以下简称 "联合电服"），成功落地高速公路行业首单"数据资产质押+数字人民币贷 款"。这笔用于联合电服数据业务迭代升级的数字人民币贷款，实现了数据"资源"向"资本"的里程碑式 跃迁。 作为广东省高速公路ETC粤通卡的运营主体，联合电服是中国智慧出行和数据运营服务领域的行业龙头 企业，拥有海量的高速公路出行数据，这些数据不仅是企业的核心资产，更蕴含着巨大的商业价值。在 收到客户以其数据知识产权质押融资的需求后，珠江新城支行在平安银行总行与广州分行的大力支持 下，历时10个月最终实现首笔数字人民币贷款投放。 这次合作不只是一笔贷款，更是对数据资产未来价值的一次大胆验证。平安银行不仅成功地将数据资产 纳入 ...

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]

Core Points - The collaboration between Beijing Shichuang Tongsheng Financing Guarantee Co., Ltd. and China Bank Shijingshan Branch has successfully provided digital RMB loan support to Lingyu Technology (Beijing) Co., Ltd., marking a new phase in the regional "government-bank-guarantee" cooperation model [1] - The initiative is part of the "Special Fund Support Measures for Inclusive Finance Development for Small and Micro Enterprises in Shijingshan District," which offers a 100% interest subsidy and a 50% guarantee fee subsidy for enterprises obtaining loans in digital RMB for the first time, significantly reducing financing costs [1] Summary by Category - **Company Impact** - Lingyu Technology (Beijing) Co., Ltd. is the first enterprise to receive loan funding in digital RMB, benefiting from the new financing model [1] - **Industry Development** - The partnership signifies a shift towards digitalization in financing, enhancing the efficiency and accessibility of financial services for small and micro enterprises [1] - **Financial Support Measures** - The program includes a 100% interest subsidy on actual payments and a 50% subsidy on guarantee fees, aimed at stimulating market vitality and reducing the financial burden on businesses [1]