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].

Core Insights - The collaboration between QuanCangDeng and Jiangsu Bank aims to innovate the financing model for commodity trading, addressing traditional pain points such as financing difficulties and complex processes [1][2] - The new credit assessment system shifts focus from "subject credit" to "data credit + physical credit," enhancing the financing environment for small and medium-sized enterprises in the commodity sector [2][5] Group 1: Financing Model Innovation - QuanCangDeng and Jiangsu Bank have successfully implemented a pledge financing model for Shanghai Xinyao Industrial Co., utilizing digital solutions to streamline the financing process [1][3] - The system allows for real-time access to warehouse receipt information and storage status, significantly reducing reliance on traditional guarantees from core enterprises [2][4] Group 2: Operational Efficiency - The integration of API systems enables a fully online process from application to fund disbursement, allowing companies to receive funds on the same day they apply [4][6] - This automation addresses the inefficiencies of traditional pledge financing, enabling companies to quickly mobilize inventory assets to meet financial needs [4][6] Group 3: Risk Management - The partnership includes a smart post-loan risk management system that monitors pledge goods' storage information and commodity price trends, enhancing risk detection and prevention [5][6] - The system can identify risks such as "false warehouse receipts" and "multiple pledges," providing real-time alerts to mitigate potential issues [5][6] Group 4: Industry Impact - The collaboration exemplifies the mission of QuanCangDeng to empower the commodity trading sector through technology, breaking down data barriers and standardizing processes [6] - The initiative aims to restore financing confidence for enterprises affected by industry turmoil, paving the way for high-quality development in the commodity market [6]