Building a digital industry and finance ecosystem, supporting the real economy through industrial supply chain finance

Under the Dual circulation of "double circulation", stabilizing the industrial chain and supply chain has become the strategic cornerstone of China's economic and social development. In the context of economic recovery, with the accelerated upgrading of domestic industries, the demand for efficient and convenient financing and supply chain management digitization and customization by small and medium-sized enterprises in the industrial and supply chains continues to increase. The digitization of industrial supply chain finance has also become a focus of market attention.

"Under the current situation, the most important thing to ensure the Political base of the development of the real economy is to stabilize the industrial chain and supply chain, so as to ensure the survival of small, medium-sized and micro enterprises, and the better." Industry insiders said that as an important means of serving the real economy, preventing and resolving financial risks, the importance of industrial finance is self-evident.

Industrial Finance: Returning to Scenarios and Creating an Industry Finance Ecology

Traditional industrial finance solutions are constrained by factors such as long approval processes, short service radii, and limited financing conditions, which cannot effectively meet the efficient and convenient financial service needs of enterprises in the digital age. With the introduction of the Opinions of the Central Committee of the Communist Party of China and the State Council on Building a More Perfect Factor market based Allocation System and Mechanism, which includes data into the category of production factors, and the Opinions on Standardizing the Development of Supply Chain Finance to Support the Stable Circulation, Optimization and Upgrading of the Supply Chain Industrial Chain, the national strategic layout to support the optimization and upgrading of the industrial chain has been clearly defined, and industrial finance is accelerating its transformation to scene based, ecological, online and Digital transformation.

Industrial finance, as a new business model of industrial Internet finance, builds a new digital connection between industry and finance by going deep into the industrial chain and scenarios, using financial technology capabilities such as cloud computing, blockchain, Big data risk control, presents key links of the industrial value chain in scenarios, effectively combines financial resources, serves the financing of small and medium-sized enterprises, helps the development of the real economy, and practices Financial inclusion.

At present, industrial finance has evolved to the 3.0 stage. Instead of providing financial services based on the core enterprise credit and around standard scenarios such as inventory and accounts receivable, it evaluates the enterprise credit according to the transaction structure, quality and data, and makes risk pricing and approval of credit limit.

Industrial finance is very different from Digital transformation of traditional financial institutions in the past and helping institutions go to the cloud. Industrial finance must provide relevant scientific and technological support for financial businesses around the scene.

Industrial finance has natural advantages in supporting industrial upgrading and national industrial layout. Taking the financing solutions for small and medium-sized enterprises as an example, utilizing the financial technology platform to connect the financial technology system with the existing production, sales, procurement, and financial systems of core customers in the industry, and deeply integrate them into enterprise operations, can help enterprises transform their digital operations on the one hand; On the other hand, digital finance technology can be used to respond to customer needs in a timely manner, achieve online batch customer approval and financing, and support the development of core customers and their chain enterprises.

Starting from the service entity

Improving the ability to serve the real economy and promoting financial fairness and inclusivity are the essence of financial services.

Under the policy guidance of ensuring the stability of the industrial and supply chains, digital technology enterprises and financial institutions need to cooperate based on the actual needs of physical enterprises, integrate into the entire process of economic and social development, and better

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