Group 1 - Shanghai banks are focusing on supply chain finance to support small and micro enterprises by leveraging core enterprise credit, asset credit, and data credit evaluations [1] - Ningbo Bank's Shanghai branch has created a comprehensive service ecosystem for core enterprises and their suppliers, resulting in a 2.3% reduction in overall financing costs for a leading new energy vehicle company and its 46 suppliers [1] - China Merchants Bank's Shanghai branch has implemented a digital "payment agency" service for a chip industry core enterprise, facilitating financing for seven suppliers and improving overall operational efficiency [1] Group 2 - Multiple banks in Shanghai have launched the "Electric Carbon Benefit Loan" project, providing over 100 million yuan in low-cost green credit to small and micro enterprises in the electric grid industry, promoting their transition to green and low-carbon development [2] - Agricultural Bank of China Shanghai branch has introduced carbon footprint-linked supply chain loans, offering differentiated interest rates based on suppliers' carbon footprint reports [2] - China Merchants Bank's Shanghai branch has developed a "de-core" model for a large hotel chain, enabling small micro clients to access credit based on transaction data rather than core enterprise credit [2] Group 3 - China Construction Bank's Shanghai branch has partnered with a logistics company to launch the "De-core Chain Loan" product, integrating data, funds, and logistics to address financing challenges for downstream enterprises in the steel industry [3] - Agricultural Bank of China Shanghai branch has collaborated with the Shanghai Financing Guarantee Center to introduce a "non-ferrous metal supply chain financial batch loan," utilizing blockchain technology for a de-core financing model [3] Group 4 - Shanghai Huari Bank has launched the "Rui e Hui" smart supply chain financial product, utilizing big data to provide online inclusive financing services for small and micro enterprise suppliers [4] - The bank focuses on logistics, e-commerce, and pharmaceutical procurement sectors, helping enterprises overcome financing difficulties through in-depth data analysis and real-world transaction behavior [4]

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]