Core Viewpoint - The article highlights the collaboration between the National Commodity Warehouse Registration Center (全仓登) and Jiangsu Bank to innovate the pledge financing model for spot warehouse receipts, addressing the financing challenges faced by small and medium-sized enterprises in the commodity sector [1][2]. Group 1: Innovation in Financing - The new model utilizes digital technology to streamline the financing process, effectively resolving traditional issues such as financing difficulties and cumbersome procedures for enterprises, particularly benefiting small and medium-sized private companies [1][2]. - The collaboration has led to a transformation in the credit assessment system, shifting from a focus on the creditworthiness of the main entity to a dual focus on data credit and physical asset credit [1][3]. Group 2: Operational Efficiency - Through deep API integration, a full-process data connection has been established, allowing enterprises to submit pledge applications online, which are then efficiently verified and forwarded to the bank, enabling same-day funding [2][3]. - The system's automation significantly reduces the time taken from application to disbursement, addressing the slow processes traditionally associated with spot pledge financing [2]. Group 3: Risk Management - The partnership includes real-time synchronization of pledged goods' storage information and dynamic tracking of commodity prices, enhancing the bank's risk management capabilities [3]. - The system is designed to identify and prevent operational risks such as "false warehouse receipts" and "multiple pledges," while also monitoring key risk indicators in real-time [3]. Group 4: Future Development - The successful collaboration with Jiangsu Bank and the practical application by Shanghai Xinyao Industrial Co., Ltd. exemplify the mission of 全仓登 to empower commodity circulation through technology [3]. - The company aims to deepen strategic cooperation with various financial institutions, continuously improving system functionalities and business rules to support the high-quality development of the commodity market [3].

智能贷后风控：构筑"事前预警"安全防线 在贷后风险管理方面，全仓登与银行实时同步质押货物的仓储信息，并引入上海期货交易所行情数据， 动态跟踪大宗商品价格走势，赋能银行构建智慧化风控模型。该系统不仅能精准识别并有效杜绝"虚假 仓单""一单多押"等操作风险，同时支持对质押物价格波动、仓储状态变动等关键风险指标进行实时监 测。一旦监测到指标触及预设预警阈值，全仓登系统将第一时间联动银行发出风险提示，促使企业及时 补充质押物或保证金，将风险防控节点从事后追溯提前至事前预警，为业务安全筑起一道高效的"智能 防线"。 全仓登与江苏银行共同重塑授信评估体系。依托全仓登现货仓单登记系统的权威、实时数据支撑，江苏 银行的智能风控体系实现了从"重主体信用"向"重数据信用+物的信用"的关键转变。通过系统直连，银 行可在线获取仓单登记信息、货物仓储状态等核心数据，核验质押物的真实性、唯一性与安全性。此举 显著降低银行对核心企业担保的过度依赖，为缺乏传统强担保能力的大宗商品中小企业拓宽了融资渠 道，助力打造良好融资环境。 典型案例：全仓登助力企业实现货物安全与融资便利 上海鑫尧实业有限公司作为首批参与企业之一，通过全仓登平台，将其持有 ...