文章(zhang)來(lai)源:中國中化(hua)控股有限責任公司 發布時間(jian):2023-08-02
作為中(zhong)國中(zhong)化(hua)(hua)產(chan)業(ye)金融(rong)服務(wu)(wu)(wu)平臺,中(zhong)化(hua)(hua)資(zi)本(ben)聚(ju)焦集(ji)團主責主業(ye),充分(fen)利用產(chan)業(ye)鏈(lian)、供應(ying)鏈(lian)、數據鏈(lian)、服務(wu)(wu)(wu)鏈(lian)等資(zi)源優勢,通(tong)過搭建“中(zhong)化(hua)(hua)產(chan)融(rong)服務(wu)(wu)(wu)開放平臺”、創(chuang)新(xin)“數據訂單貸”金融(rong)服務(wu)(wu)(wu)模式等方式,構(gou)建融(rong)資(zi)供給融(rong)通(tong)模式,推進“小快輕準”低成本(ben)的產(chan)業(ye)鏈(lian)供應(ying)鏈(lian)協同創(chuang)新(xin)場景,促進農業(ye)、新(xin)材(cai)料等產(chan)業(ye)鏈(lian)的集(ji)成整合和在(zai)線共享,不斷(duan)定制更高質量、更高效率、更個性化(hua)(hua)的供應(ying)鏈(lian)科技金融(rong)服務(wu)(wu)(wu),拓展深化(hua)(hua)服務(wu)(wu)(wu)大(da)中(zhong)小企業(ye)融(rong)通(tong)。
近(jin)年來,中(zhong)(zhong)化(hua)(hua)資(zi)(zi)本旗(qi)下(xia)中(zhong)(zhong)國(guo)外貿信托、中(zhong)(zhong)化(hua)(hua)保(bao)理(li)、中(zhong)(zhong)化(hua)(hua)資(zi)(zi)本數(shu)科公(gong)司等多機構聯合(he)創(chuang)新(xin)金(jin)融(rong)(rong)服務(wu)(wu)方式(shi),力爭破(po)解(jie)傳(chuan)統(tong)金(jin)融(rong)(rong)服務(wu)(wu)重心(xin)難(nan)以下(xia)沉、金(jin)融(rong)(rong)供給不平衡不充分、融(rong)(rong)資(zi)(zi)增信支持(chi)體系不健(jian)全等瓶頸問(wen)題,積極(ji)打造可持(chi)續(xu)產(chan)(chan)(chan)(chan)融(rong)(rong)協(xie)同(tong)生態圈。一(yi)(yi)方面切實推(tui)進(jin)解(jie)決(jue)中(zhong)(zhong)小微(wei)企業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)資(zi)(zi)難(nan)、融(rong)(rong)資(zi)(zi)貴問(wen)題,基于行業(ye)(ye)(ye)(ye)(ye)真(zhen)實可信交易大數(shu)據(ju),精準評估(gu)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)小微(wei)客(ke)戶(hu)(hu)風險(xian)并合(he)作(zuo)放款,攜手中(zhong)(zhong)國(guo)中(zhong)(zhong)化(hua)(hua)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)板塊共同(tong)推(tui)進(jin)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)落地(di),為產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)上中(zhong)(zhong)小企業(ye)(ye)(ye)(ye)(ye)提(ti)供創(chuang)新(xin)金(jin)融(rong)(rong)服務(wu)(wu),切實破(po)解(jie)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)端和(he)資(zi)(zi)金(jin)端長期存在(zai)的(de)最后一(yi)(yi)公(gong)里難(nan)題。另一(yi)(yi)方面聚焦主(zhu)責(ze)主(zhu)業(ye)(ye)(ye)(ye)(ye)推(tui)進(jin)產(chan)(chan)(chan)(chan)融(rong)(rong)協(xie)同(tong)創(chuang)新(xin),充分利用中(zhong)(zhong)國(guo)中(zhong)(zhong)化(hua)(hua)農業(ye)(ye)(ye)(ye)(ye)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)海量場景(jing),構建完(wan)善產(chan)(chan)(chan)(chan)品體系,提(ti)供場景(jing)化(hua)(hua)、綜合(he)化(hua)(hua)創(chuang)新(xin)金(jin)融(rong)(rong)服務(wu)(wu),持(chi)續(xu)推(tui)出(chu)肥(fei)易貸、MAP農戶(hu)(hu)貸、農資(zi)(zi)保(bao)理(li)等一(yi)(yi)系列(lie)創(chuang)新(xin)產(chan)(chan)(chan)(chan)品。2021年,中(zhong)(zhong)化(hua)(hua)資(zi)(zi)本通過產(chan)(chan)(chan)(chan)融(rong)(rong)協(xie)同(tong)觸達產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)客(ke)戶(hu)(hu)150余家,實現金(jin)融(rong)(rong)類協(xie)同(tong)落地(di)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)規模近(jin)百(bai)億元。
開展機制創新 組建一體化產融聯席服務團隊
深厚的產(chan)業(ye)實踐經(jing)驗和豐富的產(chan)業(ye)應(ying)(ying)用場景(jing),是中央企(qi)業(ye)加快打造現代產(chan)業(ye)鏈(lian)鏈(lian)長的獨特優(you)勢。中央企(qi)業(ye)產(chan)業(ye)金融(rong)服務平(ping)臺,應(ying)(ying)聚焦企(qi)業(ye)主責(ze)主業(ye),突出產(chan)業(ye)鏈(lian)鏈(lian)長優(you)勢,立足產(chan)業(ye)鏈(lian)上下游、大(da)中小(xiao)企(qi)業(ye)多元化金融(rong)需(xu)求(qiu),提升(sheng)供應(ying)(ying)鏈(lian)金融(rong)服務管理(li)能力。
中化(hua)資(zi)本(ben)依托于中國中化(hua)豐富的(de)(de)產(chan)業資(zi)源,通(tong)過探索(suo)產(chan)融(rong)(rong)(rong)結(jie)合底層組(zu)織機(ji)制,整(zheng)合旗下金融(rong)(rong)(rong)機(ji)構組(zu)建產(chan)融(rong)(rong)(rong)業務聯席服務團隊(dui),打破(po)金融(rong)(rong)(rong)服務業務邊(bian)界,推(tui)進資(zi)產(chan)端(duan)、平臺(tai)端(duan)、資(zi)金端(duan)全流程業務協(xie)同(tong),打造(zao)多(duo)(duo)元化(hua)、多(duo)(duo)層次(ci)的(de)(de)一站式產(chan)業金融(rong)(rong)(rong)綜合解決方案服務平臺(tai),持續創新產(chan)融(rong)(rong)(rong)協(xie)同(tong)模式,推(tui)進產(chan)融(rong)(rong)(rong)結(jie)合的(de)(de)深(shen)度(du)(du)和廣(guang)度(du)(du)。
旗下中(zhong)國(guo)外(wai)貿(mao)信(xin)托與中(zhong)化(hua)商(shang)(shang)(shang)務(wu)(wu)發(fa)揮各(ge)(ge)自(zi)業務(wu)(wu)優(you)勢,推出“商(shang)(shang)(shang)務(wu)(wu)+金(jin)融(rong)”業務(wu)(wu)模(mo)式,為(wei)產業鏈(lian)(lian)客戶(hu)(hu)提供(gong)“采購咨詢+融(rong)資+租賃+貿(mao)易”的一(yi)體化(hua)服(fu)務(wu)(wu)解決方案;旗下中(zhong)化(hua)商(shang)(shang)(shang)務(wu)(wu)與中(zhong)化(hua)保理簽署框架合作(zuo)協(xie)議,協(xie)同推進“商(shang)(shang)(shang)務(wu)(wu)+保理”業務(wu)(wu)模(mo)式,為(wei)客戶(hu)(hu)提供(gong)供(gong)應鏈(lian)(lian)保理融(rong)資產品(pin),提升客戶(hu)(hu)資金(jin)使用效(xiao)率,增進產業鏈(lian)(lian)用戶(hu)(hu)粘性;旗下中(zhong)國(guo)外(wai)貿(mao)信(xin)托與諾(nuo)安基(ji)金(jin)協(xie)同加強(qiang)投研(yan)合作(zuo),聯(lian)合發(fa)揮各(ge)(ge)自(zi)投研(yan)團隊優(you)勢,共同提升投資研(yan)究能力及市場影響力。
開展模式創新 “中化產融服務開放平臺”打造產業生態圈
中(zhong)(zhong)化資(zi)(zi)本以“打造(zao)產業金融(rong)(rong)新生態”為戰(zhan)略(lve)引領(ling),借助產業鏈上下(xia)游業務(wu)、資(zi)(zi)金等信息,發揮數據(ju)和服務(wu)支(zhi)撐作用,旗(qi)下(xia)中(zhong)(zhong)化資(zi)(zi)本數科自(zi)主研發搭(da)建“中(zhong)(zhong)化產融(rong)(rong)服務(wu)開(kai)放平臺”,精準對接供應(ying)鏈實體企(qi)業,特別是中(zhong)(zhong)小企(qi)業在生產、流(liu)通、交易等各環節的金融(rong)(rong)需求,提供優質高效供應(ying)鏈金融(rong)(rong)服務(wu)。
其核(he)心(xin)是有效(xiao)鏈(lian)(lian)(lian)接(jie)產業(ye)(ye)(ye)(ye)端與(yu)(yu)(yu)資(zi)(zi)(zi)金端,將(jiang)產業(ye)(ye)(ye)(ye)鏈(lian)(lian)(lian)核(he)心(xin)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)散(san)落(luo)在各系統(tong)的交(jiao)易、行(xing)為(wei)、資(zi)(zi)(zi)金等(deng)信(xin)(xin)息進(jin)行(xing)串(chuan)聯(lian)(lian)整合分析,對(dui)產業(ye)(ye)(ye)(ye)鏈(lian)(lian)(lian)上中(zhong)(zhong)下游客戶(hu)進(jin)行(xing)行(xing)為(wei)判斷、風險(xian)識(shi)別(bie)(bie),通過(guo)場景(jing)分析與(yu)(yu)(yu)識(shi)別(bie)(bie)、風控(kong)建模與(yu)(yu)(yu)管理等(deng)方式,支持對(dui)接(jie)外部產業(ye)(ye)(ye)(ye)場景(jing),輸(shu)出產品與(yu)(yu)(yu)服務的同時將(jiang)外部客戶(hu)資(zi)(zi)(zi)源轉化為(wei)中(zhong)(zhong)化上下游的一(yi)級(ji)或(huo)多(duo)級(ji)穿透客戶(hu),搭(da)建產融結合的可信(xin)(xin)交(jiao)易鏈(lian)(lian)(lian)、可信(xin)(xin)行(xing)為(wei)鏈(lian)(lian)(lian)與(yu)(yu)(yu)可信(xin)(xin)資(zi)(zi)(zi)產鏈(lian)(lian)(lian),以產業(ye)(ye)(ye)(ye)鏈(lian)(lian)(lian)真實數據(ju)資(zi)(zi)(zi)產對(dui)鏈(lian)(lian)(lian)上中(zhong)(zhong)小(xiao)(xiao)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)進(jin)行(xing)信(xin)(xin)用背(bei)書,進(jin)而實現中(zhong)(zhong)化產業(ye)(ye)(ye)(ye)鏈(lian)(lian)(lian)縱向延伸(shen),打造產業(ye)(ye)(ye)(ye)生態閉環。通過(guo)供應鏈(lian)(lian)(lian)和(he)金融綜合服務體(ti)系向產業(ye)(ye)(ye)(ye)鏈(lian)(lian)(lian)延伸(shen),幫助核(he)心(xin)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)沿產業(ye)(ye)(ye)(ye)鏈(lian)(lian)(lian)拓展(zhan)、服務鏈(lian)(lian)(lian)上中(zhong)(zhong)小(xiao)(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye),增強(qiang)全(quan)鏈(lian)(lian)(lian)掌控(kong)力,營(ying)造全(quan)鏈(lian)(lian)(lian)大中(zhong)(zhong)小(xiao)(xiao)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)協同串(chuan)聯(lian)(lian)、融通發展(zhan)的產業(ye)(ye)(ye)(ye)生態。目前,平(ping)臺已形成以產業(ye)(ye)(ye)(ye)客戶(hu)端(貸動你)、核(he)心(xin)企(qi)(qi)(qi)業(ye)(ye)(ye)(ye)端(載翼企(qi)(qi)(qi))、智(zhi)能展(zhan)業(ye)(ye)(ye)(ye)工具(HAI鏈(lian)(lian)(lian)客)“三(san)端閉環”模式。
此(ci)外,平臺(tai)實現了與信(xin)托(tuo)、銀行(xing)等金(jin)(jin)融(rong)機(ji)構的核(he)心系(xi)統對(dui)接,通過對(dui)產業鏈交易行(xing)為數據(ju)的標準化(hua)分析與加工(gong)指標輸出,推(tui)動金(jin)(jin)融(rong)機(ji)構建立起基于數據(ju)驅動的產業鏈風控金(jin)(jin)融(rong)產品(pin)體(ti)系(xi)。
開展產品創新 “數據訂單貸”基于產業數據匹配金融資源
為(wei)加快鏈(lian)(lian)上(shang)小微企(qi)(qi)業培優、扶強、助長步伐,中化(hua)資本所屬企(qi)(qi)業積極(ji)推(tui)動數(shu)字化(hua)轉型,為(wei)產業鏈(lian)(lian)不同場景和客戶群體(ti)(ti)搭(da)建定制化(hua)產品體(ti)(ti)系,創新(xin)出全線上(shang)、純信用、隨借隨還的供應鏈(lian)(lian)金(jin)融產品“數(shu)據訂單貸(dai)”。
“數(shu)據訂單(dan)(dan)貸(dai)”聚焦服務(wu)中(zhong)(zhong)(zhong)國中(zhong)(zhong)(zhong)化核心(xin)(xin)主業(ye)(ye)(ye)上(shang)下游中(zhong)(zhong)(zhong)小(xiao)微(wei)企(qi)(qi)業(ye)(ye)(ye)客(ke)戶需求,基(ji)于(yu)產(chan)(chan)(chan)業(ye)(ye)(ye)鏈交易數(shu)據分析和風(feng)控模型(xing)判斷(duan),由內外部金融(rong)機(ji)構共(gong)同出(chu)資(zi)向核心(xin)(xin)企(qi)(qi)業(ye)(ye)(ye)下游客(ke)戶發(fa)放,用于(yu)支付核心(xin)(xin)企(qi)(qi)業(ye)(ye)(ye)訂單(dan)(dan)采購款的純信(xin)用聯合(he)貸(dai)款產(chan)(chan)(chan)品。結(jie)合(he)核心(xin)(xin)企(qi)(qi)業(ye)(ye)(ye)產(chan)(chan)(chan)業(ye)(ye)(ye)特點、行業(ye)(ye)(ye)特征及產(chan)(chan)(chan)業(ye)(ye)(ye)鏈客(ke)戶群(qun)畫(hua)像,基(ji)于(yu)產(chan)(chan)(chan)業(ye)(ye)(ye)數(shu)據驅動創新金融(rong)服務(wu)產(chan)(chan)(chan)品客(ke)戶篩選模式、風(feng)控模型(xing)設(she)計標準(zhun)(zhun)、產(chan)(chan)(chan)品研(yan)發(fa)設(she)計等(deng),為(wei)產(chan)(chan)(chan)業(ye)(ye)(ye)鏈上(shang)下游客(ke)戶訂單(dan)(dan)采購等(deng)重點環(huan)節引入融(rong)資(zi)等(deng)服務(wu)。該產(chan)(chan)(chan)品真(zhen)正意義上(shang)實(shi)現(xian)了基(ji)于(yu)產(chan)(chan)(chan)業(ye)(ye)(ye)標準(zhun)(zhun)評價客(ke)戶、配置金融(rong)資(zi)源,助(zhu)力核心(xin)(xin)企(qi)(qi)業(ye)(ye)(ye)解決“兩金”難題、激發(fa)客(ke)戶黏性,提高(gao)下游企(qi)(qi)業(ye)(ye)(ye)資(zi)金可得性難題。
以中(zhong)化(hua)(hua)化(hua)(hua)肥(fei)產(chan)業(ye)(ye)(ye)場景供(gong)(gong)應鏈金融服(fu)務為例。化(hua)(hua)肥(fei)行業(ye)(ye)(ye)產(chan)業(ye)(ye)(ye)鏈有著參與主體眾多、產(chan)業(ye)(ye)(ye)鏈下(xia)游(you)(you)(you)客(ke)戶無供(gong)(gong)信(xin)(xin)(xin)用自證等特點(dian),傳統金融機構難(nan)(nan)以有效解決該(gai)行業(ye)(ye)(ye)長期(qi)存在的信(xin)(xin)(xin)息(xi)(xi)不(bu)對稱、信(xin)(xin)(xin)息(xi)(xi)驗真(zhen)成本(ben)高(gao)等難(nan)(nan)題。中(zhong)化(hua)(hua)資本(ben)數科深(shen)入調研中(zhong)化(hua)(hua)化(hua)(hua)肥(fei)產(chan)業(ye)(ye)(ye)鏈條交(jiao)(jiao)易(yi)特點(dian)及供(gong)(gong)應鏈金融服(fu)務需(xu)求,基(ji)于下(xia)游(you)(you)(you)客(ke)戶與中(zhong)化(hua)(hua)化(hua)(hua)肥(fei)交(jiao)(jiao)易(yi)數據,專項為下(xia)游(you)(you)(you)客(ke)戶采購的資金需(xu)求提(ti)供(gong)(gong)純信(xin)(xin)(xin)用流(liu)動資金信(xin)(xin)(xin)貸。該(gai)產(chan)品(pin)對下(xia)游(you)(you)(you)客(ke)戶,具有無抵押(ya)無擔(dan)保(bao)、純信(xin)(xin)(xin)用、全線上操作、隨(sui)借隨(sui)還、用途特定、手續簡(jian)便等特點(dian)。對鏈上核心企(qi)業(ye)(ye)(ye)而言,可提(ti)高(gao)資金周轉率、優(you)化(hua)(hua)財(cai)務數據、壓降兩金規(gui)模、增進下(xia)游(you)(you)(you)企(qi)業(ye)(ye)(ye)粘(zhan)性等優(you)勢。
截至目前,數據訂單(dan)貸(dai)涵蓋(gai)(gai)了(le)化(hua)肥(fei)(fei)、種(zhong)業(ye)、新材料、橡膠輪胎等(deng)多(duo)行業(ye)板塊的金(jin)融(rong)風控(kong)模型及產品體系(xi),已落(luo)地“化(hua)塑貸(dai)”“肥(fei)(fei)易貸(dai)”“壹化(hua)白條(tiao)”“實華惠易貸(dai)”“輕松貸(dai)”等(deng)多(duo)款鏈(lian)條(tiao)產品,業(ye)務(wu)范圍(wei)覆蓋(gai)(gai)全國16個省市,累(lei)計授信額(e)度超2.6億元,預計明年實現(xian)中國中化(hua)內部核心企業(ye)全覆蓋(gai)(gai)。
經驗一:協同創新 賦能全鏈企業推進產融協同
從中(zhong)化產(chan)(chan)融(rong)服務(wu)開放平臺(tai)、數據訂單貸產(chan)(chan)品的(de)(de)構(gou)思到創設,再到項目試點和(he)推廣,中(zhong)化資本始終堅持“科技(ji)(ji)賦能(neng)金(jin)融(rong)、金(jin)融(rong)服務(wu)產(chan)(chan)業(ye)(ye)(ye)”的(de)(de)思路,搭建起“產(chan)(chan)業(ye)(ye)(ye)+金(jin)融(rong)+科技(ji)(ji)”的(de)(de)密切合作(zuo)路徑(jing),共同為產(chan)(chan)業(ye)(ye)(ye)鏈賦能(neng)。產(chan)(chan)業(ye)(ye)(ye)端的(de)(de)鏈上(shang)核(he)心企業(ye)(ye)(ye),負(fu)責交(jiao)易數據提(ti)供(gong)(gong),發揮懂(dong)產(chan)(chan)業(ye)(ye)(ye)、懂(dong)市(shi)場、懂(dong)客戶優勢(shi),針對行業(ye)(ye)(ye)趨勢(shi)、產(chan)(chan)業(ye)(ye)(ye)政(zheng)策、市(shi)場環境等(deng)系統(tong)性風險,提(ti)供(gong)(gong)產(chan)(chan)業(ye)(ye)(ye)專家意見、協同發揮產(chan)(chan)業(ye)(ye)(ye)優勢(shi)。金(jin)融(rong)科技(ji)(ji)公(gong)司作(zuo)為金(jin)融(rong)科技(ji)(ji)提(ti)供(gong)(gong)方,利用金(jin)融(rong)端的(de)(de)科技(ji)(ji)創新手段,提(ti)升全鏈在科技(ji)(ji)、風控、合規等(deng)方面的(de)(de)核(he)心業(ye)(ye)(ye)務(wu)能(neng)力。金(jin)融(rong)機構(gou)作(zuo)為金(jin)融(rong)服務(wu)提(ti)供(gong)(gong)方,圍繞產(chan)(chan)業(ye)(ye)(ye)需求(qiu),通(tong)過創新模(mo)式(shi)與產(chan)(chan)品,負(fu)責最終提(ti)供(gong)(gong)一(yi)體化金(jin)融(rong)服務(wu)方案。
經驗二:金融科技 為產業融資難提供破題之策
“產(chan)(chan)融(rong)服(fu)務開放平(ping)臺”是中化(hua)資本“十四五(wu)”規劃中科(ke)(ke)技與(yu)數字化(hua)專項規劃的(de)(de)(de)(de)重點(dian)項目,而“數據(ju)訂單貸(dai)”是產(chan)(chan)融(rong)服(fu)務開放平(ping)臺重點(dian)創(chuang)(chuang)新(xin)推出的(de)(de)(de)(de)首款金(jin)融(rong)產(chan)(chan)品,兩(liang)者(zhe)均(jun)是對傳(chuan)統(tong)信貸(dai)產(chan)(chan)品的(de)(de)(de)(de)創(chuang)(chuang)新(xin)和(he)升級。其該產(chan)(chan)品突破(po)性地解(jie)決了(le)產(chan)(chan)業(ye)鏈條上小微客戶資金(jin)可得(de)性困(kun)境,尤其是下游的(de)(de)(de)(de)民營企(qi)業(ye)和(he)小微客戶難以(yi)得(de)到有效資金(jin)支(zhi)(zhi)持問(wen)題,有效支(zhi)(zhi)撐了(le)小微企(qi)業(ye)客戶急、短(duan)、頻(pin)的(de)(de)(de)(de)用款需(xu)求(qiu),其業(ye)務內核(he)是建(jian)立在業(ye)務全面數字化(hua)基礎上、基于(yu)大(da)數據(ju)風控模(mo)型等現代(dai)科(ke)(ke)技手段的(de)(de)(de)(de)金(jin)融(rong)創(chuang)(chuang)新(xin)。
經驗三:融通帶動 增進產業鏈上下游企業耦合關系
中(zhong)(zhong)化(hua)(hua)(hua)資本打造出以產(chan)(chan)業(ye)(ye)(ye)鏈(lian)(lian)核心(xin)企業(ye)(ye)(ye)為節(jie)點,鏈(lian)(lian)上中(zhong)(zhong)小微企業(ye)(ye)(ye)為要素的融(rong)通(tong)發展(zhan)產(chan)(chan)業(ye)(ye)(ye)生態。一是(shi)通(tong)過(guo)幫助中(zhong)(zhong)國(guo)中(zhong)(zhong)化(hua)(hua)(hua)核心(xin)企業(ye)(ye)(ye)解決產(chan)(chan)業(ye)(ye)(ye)鏈(lian)(lian)下游客戶(hu)(hu)的融(rong)資需求,穩(wen)定(ding)其(qi)銷(xiao)售(shou)渠(qu)道,提前綁(bang)定(ding)下游客戶(hu)(hu)。二是(shi)通(tong)過(guo)高效匹配金融(rong)資源助力新客戶(hu)(hu)采購中(zhong)(zhong)化(hua)(hua)(hua)產(chan)(chan)品,助力核心(xin)企業(ye)(ye)(ye)提高市(shi)場占有率。三是(shi)通(tong)過(guo)逐(zhu)步將創新產(chan)(chan)品和模式推廣(guang)到與產(chan)(chan)業(ye)(ye)(ye)鏈(lian)(lian)存在緊密(mi)耦合關系的外部場景(jing),使金融(rong)服務扎扎實實拓展(zhan)延伸至產(chan)(chan)業(ye)(ye)(ye)鏈(lian)(lian)的最后一公里。
【責任編輯:溫存】
