当金融活水注入智能制造的脉动，一场关乎汽车产业链重塑的深度协同正在展开。日前，渤海银行与国 内领先的智能汽车企业小鹏汽车达成战略级合作，双方携手共建供应链金融服务平台，并在广州分行成 功落地首笔业务。这不仅是渤海银行特色品牌"车销易"在汽车生态领域的又一次精准延伸，更标志着金 融科技与产业场景的融合迈入系统化、平台化新阶段。 "车销易"作为此次合作的核心产品载体，是渤海银行"渤银E链—易宝通"在汽车垂直领域的场景化延 伸。该产品体系围绕"融资易""灵动宝""结算通"三大模块构建，创新推出"客户工厂+产品工厂"双轮驱 动服务模式，精准对接行业龙头企业需求，定制个性化组合金融方案。截至2025年末，渤海银行供应链 金融已累计服务汽车行业龙头企业28家，授信支持总规模逼近400亿元。 这一成绩的取得，离不开渤海银行近年来在数字化转型层面的持续投入。从"行业银行"到"交易银行"， 再到"场景银行"，该行践行"行业为基、场景为脉、内外一体，司库赋能"发展理念，持续建设"渤银链 生态、渤银智生态、渤银财生态"三大生态体系，以生态化布局赋能业务高质量发展，打造交易银行新 生态，供应链金融业务发展成效显著。 据了解，该行供应 ...

Core Viewpoint - Bohai Bank reported steady growth in operating indicators for the first half of 2025, achieving a "double increase" in operating income and net profit, with a focus on stability and quality improvement in financial services [2][3]. Group 1: Financial Performance - For the first half of 2025, Bohai Bank achieved operating income of 14.215 billion yuan, a year-on-year increase of 8.14%, and net profit of 3.83 billion yuan, a year-on-year increase of 3.61% [3]. - As of the end of June, the bank's total assets reached 1.82 trillion yuan, with loans and advances increasing by 17.066 billion yuan to 942.428 billion yuan, a growth of 1.84% [3]. - The total amount of corporate loans reached 693.5 billion yuan, an increase of 5.92% compared to the end of the previous year [4]. Group 2: Support for the Real Economy - Bohai Bank has intensified its support for the real economy, focusing on optimizing its business structure and expanding its customer base [3]. - Key areas of loan growth included technology innovation (51.28%), manufacturing (12.36%), green development (15.02%), and agriculture (3.45%), all exceeding the growth rate of general loans [3]. - The bank's cost-to-income ratio improved to 32.17%, a decrease of 4.10 percentage points year-on-year, reflecting effective cost control [4]. Group 3: Risk Management - As of June, the non-performing loan ratio stood at 1.81%, indicating stable asset quality, with sufficient provisions for various types of impairments [4]. - Loan impairment provisions amounted to 27.579 billion yuan, an increase of 2.005 billion yuan from the end of the previous year, with a loan provision coverage ratio of 159.7% [4]. Group 4: Technological Financial Services - Bohai Bank has prioritized the development of a technology finance service system, responding to the central government's call to enhance financial services in this area [6][8]. - By the end of June, the balance of loans to technology enterprises reached 71.252 billion yuan, an increase of 24.153 billion yuan, or 51.28% year-on-year [8]. - The bank successfully issued 5 billion yuan in technology innovation bonds and has been active in underwriting, with a total of 31.47 billion yuan in technology innovation bonds underwritten [8]. Group 5: Regional Economic Development - Bohai Bank is committed to supporting regional economic development, particularly in the Beijing-Tianjin-Hebei area, and has integrated this focus into its strategic priorities for the second half of the year [10]. - The bank's transaction banking business generated over 750 million yuan in intermediary income, reflecting a year-on-year growth of 5.36% [10]. - The bank has launched various products to support the automotive supply chain, achieving over 19.7 billion yuan in financing for the automotive ecosystem [10][11].

Core Insights - Bohai Bank has launched the "Che Xiao Yi" automotive financial service brand to address the pain points in the parallel import vehicle industry, focusing on a one-stop financial solution for the entire supply chain [2][3] Group 1: Industry Challenges - The parallel import vehicle business faces challenges such as complex cross-border payments, foreign exchange management, and customs regulations, leading to inefficiencies and increased costs for dealers [2] - Traditionally, companies in this sector have struggled with long inventory cycles and high capital occupation rates, requiring large upfront payments during procurement [2][3] Group 2: Innovative Solutions - The "Che Xiao Yi" product offers targeted financing solutions, combining online letter of credit and import financing to enhance efficiency and inventory turnover [3] - The service includes 24/7 online tax payment and a guarantee for customs duties, significantly reducing clearance times and optimizing the overall supply chain efficiency [3] Group 3: Market Position - Tianjin Port has become the largest hub for parallel imported vehicles in China, accounting for over 70% of the national import volume, indicating a strong demand for efficient financial services in this sector [3] Group 4: Financial Performance - Bohai Bank's supply chain financial services have seen significant growth, with 2,634 supply chain enterprises served in 2024, a year-on-year increase of 126.8%, and a total financial product issuance of 257.19 billion, up 36.69% year-on-year [4] Group 5: Future Outlook - Bohai Bank plans to continue enhancing its supply chain financial services in response to national calls for improving the resilience of industrial supply chains, aiming to deepen industry engagement and extend supply chain capabilities [5]