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 - Supply chain finance plays a crucial role in enhancing financial services for the real economy and alleviating financing difficulties for small and medium-sized enterprises (SMEs) in China. The banking sector, as a key participant, reflects the transformation of industrial structure and the innovative vitality of financial technology. The development of supply chain finance in China's banking industry is progressing towards a more standardized, intelligent, green, and inclusive high-quality development direction [1] Development Stages of Supply Chain Finance in China's Banking Industry - Initial Development Stage (2001-2009): The emergence of inventory pledge loans and factoring services in the late 19th century laid the groundwork for supply chain finance in China. The first pilot practices began in 2001, leading to a systematic development of supply chain finance services by banks, with financing scales ranging from hundreds of millions to billions [2] - Rapid Development Stage (2010-2017): Following several risk events, banks began to shift their focus from front-end to back-end operations, collaborating with core enterprises to provide financing for their upstream and downstream suppliers. The trend of platformization emerged, integrating information, goods, funds, and logistics to mitigate risks [3][4] - High-Speed Development Stage (2018-2024): The issuance of various national policies and the rapid advancement of financial technology have propelled the growth of supply chain finance. By 2023, the industry scale reached approximately 41.3 trillion yuan, with a year-on-year growth of 11.9% and a five-year compound annual growth rate of 20.88% [5][6] Challenges Facing Supply Chain Finance in China's Banking Industry - The precision of supply chain finance services needs improvement, as banks often lack in-depth research on the characteristics of different industrial chains, leading to homogenized financial products [9] - Customer acquisition and marketing strategies require enhancement, as traditional supply chain finance heavily relies on the credit endorsement of core enterprises, limiting service scope and increasing customer acquisition costs [9] - The overall level of digital application in supply chain finance needs to be elevated, with many banks facing challenges in data integration and application [9] - Cross-departmental and cross-regional cooperation, as well as the development of specialized talent, need strengthening to improve service efficiency and effectiveness [9] Policy Guidance for High-Quality Development - Recent policies emphasize the need for standardized development of supply chain finance, promoting collaboration among enterprises along the industrial chain. The focus is on enhancing the resilience and security of supply chains, aligning with national strategies for long-term development [10][11] Future Directions for Supply Chain Finance - The industry should innovate financial products tailored to the characteristics of technology-driven SMEs, support green transformation, and enhance accessibility for micro and small enterprises [13] - Exploring decentralized models and leveraging data credit and asset value can broaden financing channels for SMEs [14] - Strengthening technical empowerment and optimizing organizational structures will enhance service quality and accelerate the digital transformation of supply chain finance [15][16] - Promoting internationalization of supply chain finance will better serve China's advantageous industries and enterprises expanding abroad, necessitating compliance with cross-border regulations and the development of diverse financial products [17]