面对电力行业长期存在的收款对账繁琐、中小微企业融资难等痛点，银行业正借助数字化转型积极回应 产业最新需求。 解决共性痛点是"电网通"产品探索升级过程中的一项关键突破口。 "电网通"以电网为核心，依托大数据分析精准捕捉电力行业亿万级交易与资金流中的支付结算、贸易融 资、绿色贷款等业务机遇。目前，交通银行已与国家电网、南方电网、蒙西电网等三大电网集团建立了 深度合作。 六大核心场景精准覆盖业务环节 "客户需要的不是大而全的百科全书，而是精准的产品服务。"聚焦核心业务环节，交通银行加强内部板 块合作与公私联动，整合集团资源，推出了覆盖电力生态六大场景的"电网通"综合服务方案。 具体来看，交行该服务方案集成了收费管家、电费票、电费证等拳头产品；并基于电费、订单等数据， 创新推出了电费快贷、绿色订单融资等产品，将数据转化为实际资产。同时，借助规则引擎等技术，上 线了票据"秒承秒贴"等数字化产品，将办理时效从数天缩短至秒级。 "电网通"包含六大核心场景应用："电易收"为电网公司构建多功能统一收款体系，实现收款、清分、对 账"三流匹配"；"电易付"为用电企业提供多元支付与融资选择，企业可凭历史用电数据申请"电费快 贷"；" ...

Core Viewpoint - The article emphasizes that China's financial industry is advancing towards high-quality development, with a focus on serving the modernization of the country. The strategic deployment of the "Five Major Articles" aims to better align financial resources with national goals, and the Bank of Communications (交通银行) is actively fulfilling this mission through innovation and service to the real economy [1][2]. Group 1: Implementation of National Strategy - The Bank of Communications prioritizes serving the real economy and aligns its development with national strategies, focusing on financial supply-side structural reforms to enhance service quality [2]. - The bank has established a comprehensive technology-driven financial service system to support the "Five Major Articles," creating a virtuous cycle of "technology + industry + finance" [2][3]. Group 2: Collaborative Ecosystem - The bank has built a collaborative mechanism involving government, banks, parks, and enterprises to support high-tech parks and innovation incubators, enhancing the synergy for financial services [3]. - It has launched a full-cycle technology financial service system, integrating various financial products to address the financing challenges faced by technology enterprises [3]. Group 3: Regional Development and Trade Finance - The Bank of Communications leverages its unique position as the only state-owned bank headquartered in Shanghai to contribute to the city's development as a global financial center [4]. - The bank has introduced innovative cross-border trade finance solutions, such as "交银航贸通," to enhance the efficiency of international trade and support small and micro foreign trade enterprises [4][5]. Group 4: Digital Transformation and Financial Solutions - The bank is transforming its financial services from simple financing to comprehensive intelligent solutions, addressing complex financial needs through digitalization [7]. - It has developed a systematic financial solution covering supply chains and has implemented a digital treasury management system to enhance corporate financial governance [7][8]. Group 5: Social Responsibility and Public Welfare - The Bank of Communications integrates financial services into social governance, focusing on improving public welfare and enhancing the accessibility of medical services through innovative solutions [9]. - It has launched a digital platform for comprehensive fund supervision, ensuring precise control and monitoring of funds across various sectors [9]. Group 6: Future Development Strategy - The bank aims to continue its high-quality development by reinforcing its strategic focus, deepening digital transformation, and fostering collaborative financial ecosystems [10]. - It remains committed to serving the real economy and contributing to the modernization of China, reflecting its responsibility and commitment to the times [10].