橙业贷(经销商模式)

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数据与科技赋能 银行探索“脱核”供应链金融
Zhong Guo Jing Ying Bao· 2025-08-12 13:00
Group 1 - The core viewpoint of the articles is the acceleration of banks exploring a new "de-core" model in supply chain finance, driven by supportive policies from the government [1][5] - Ping An Bank's Shanghai branch has launched innovative supply chain finance products targeting upstream and downstream enterprises, utilizing digital products to support small and micro enterprises in the industry chain [1][2] - The People's Bank of China and other regulatory bodies have encouraged the development of the "de-core" model, emphasizing the use of "data credit" and "material credit" to provide financing services to small and micro enterprises without relying on core enterprise credit [1][5] Group 2 - The transition from "entity credit" to "data credit" involves using technologies like IoT, blockchain, big data, and AI to assess the creditworthiness of supply chain participants based on multi-dimensional data rather than solely on core enterprises [2][6] - Several banks, including Rizhao Bank and Shanghai Huari Bank, are actively exploring the "de-core" model, with Rizhao Bank successfully financing 633 million yuan in the pharmaceutical sector through its "Easy融星空" platform [2][3] - Shanghai Huari Bank's "Rui e Hui" product focuses on real transaction behaviors and implements a fully online and intelligent risk control process throughout the loan lifecycle [3][4] Group 3 - The "de-core" model allows financial institutions to leverage digital technologies for real-time monitoring and assessment of supply chain participants, significantly improving risk management efficiency [3][6] - The establishment of a comprehensive data security management system is crucial for the successful implementation of the "de-core" model, ensuring the legality and safety of data usage [4][6] - Financial institutions are encouraged to adopt blockchain technology to ensure the authenticity of data related to small and micro enterprises, thereby addressing their financing challenges [6][7]