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徽商银行：徽商银行是中国银行业监督管理委员会核准设立的全国性商业银行，注册资本金为人民币200亿元，总部位于安徽省合肥市，是安徽省唯一的省属商业银行，也是安徽省金融市场的核心企业之一。徽商银行业务范围涵盖储蓄、支付、结算、贷款、票据、结算、资金清算、保险、投资、外汇、信贷等多个领域，为客户提供优质便捷的金融服务。

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⑴ How to apply blockchain technology in bank international settlement

At this stage, banks mainly provide three settlement methods: remittance, collection and letter of credit in international business. There are problems of credit and exchange rate risks, low efficiency, and high costs. In addition, banks mostly use their own credit to intervene in international settlements, which can easily form their own contingent liabilities and reduce the quality of their balance sheets. Banks should actively promote innovation in international settlement business based on blockchain technology, build a new system for international settlement business, and provide safe, stable, low-cost, and efficient international settlement business.

⑵ WeBank helps the blockchain industry flourish

On July 19, the "Digital "Chain" Greater Bay Area" hosted by the China (Shenzhen) Comprehensive Development Research Institute— — Blockchain supports the integrated development of the Guangdong-Hong Kong-Macao Greater Bay Area Report (2022)" (hereinafter referred to as the "Report") press conference was held in Shenzhen.

The report believes that digital technology represented by blockchain can play an important role in breaking the ice of institutional differences in the Guangdong-Hong Kong-Macao Greater Bay Area, supporting the leapfrogging of the real economy and empowering innovation in social governance, and effectively boosting the development of Guangdong-Hong Kong-Macao Greater Bay Area. The integrated development of the Hong Kong and Macao Greater Bay Area has entered a new era 2.0. The report uses a wealth of practical cases of blockchain usage scenarios to demonstrate the role and contribution of blockchain in the construction of digital economy, digital society, and digital government.

The Greater Bay Area has sounded the clarion call for the rise of blockchain.

“The blockchain field in the Guangdong-Hong Kong-Macao Greater Bay Area is active in innovation, with rich application results, strong factor attraction, strong policy support, and an ecological development trend.” At the press conference, the report announced the development of the Greater Bay Area in A series of achievements in the blockchain field.

The report shows that in 2021, there were 10,710 blockchain-related invention patent applications in mainland China, Hong Kong, Macao and Taiwan, of which 3,282 occurred in the Greater Bay Area, accounting for 31% of the total. In addition, the Greater Bay Area has published a total of 756 articles on blockchain topics. Compared with other world-class bay areas, the number has begun to clearly dominate.

In the context of unprecedented changes in a century, experts and scholars shared their thoughts on the value of blockchain. Fan Gang, a well-known economist and president of the China (Shenzhen) Comprehensive Development Research Institute, said that under the influence of international situations such as the epidemic and the Russia-Ukraine war, new changes have taken place in the international trade system and currency settlement system. Since the blockchain has the characteristics of privacy, mutual trust of real information, and no need to repeatedly verify duplicate information, it greatly improves transaction efficiency. In his view, with Internet technologies such as blockchain, and empowered by the open source ecosystem of large companies, more small businesses will use the platform to play a role.

Fan Gang, President of China (Shenzhen) Comprehensive Development Research Institute.

Therefore, the report believes that “the Greater Bay Area has sounded the clarion call for the rise of blockchain.” "The Guangdong-Hong Kong-Macao Greater Bay Area has the advantages of open markets, diversified needs, and talent gathering. The cutting-edge science and technology field represented by blockchain is actively innovating, achieving fruitful results, and the ecological development trend has been set. It has become the key to the development of blockchain at home and abroad. The new highland is pregnant with the strong development pulse and greater development of blockchain and digital economy.development in the future. " Liu, deputy director of China (Shenzhen) Comprehensive Open Key Development Research Institute, said when releasing the report.

Cutting-edge technology expansion, integration and innovation in the "Xinjiang region"

Ma, Vice President and Chief Information Officer of WeBank Official.

This is an example of the cross-border use of blockchain in trusted data.

Tang Jie, a professor at the School of Economics and Management at Harbin Institute of Technology (Shenzhen) and former deputy mayor of Shenzhen, commented on the report, stating, At present, the application results of blockchain in the Guangdong-Hong Kong-Macao Greater Bay Area have been very rich. The number of blockchain application projects ranks among the top in the country. A number of leading blockchain companies are emerging, which can not only effectively solve the current problem of poor flow of people The institutional differences caused by commodities and funds in the Guangdong-Hong Kong-Macao Greater Bay Area also contribute to the cross-border and cross-domain use of data elements. He believes that new technologies such as blockchain should actively explore usage scenarios in the Greater Bay Area and advocate leading technologies Enterprises are open and open source to create a good ecology.

Therefore, the report points out that "digital technology represented by blockchain has accelerated the integration of the Greater Bay Area."

This integration is reflected in the fact that technology is melting the institutional differences. ice, supporting the leap of the real economy and empowering social governance innovation. Among them, in terms of melting institutional differences, the "Bay Area FinTech Talent Chain" of the Guangdong-Hong Kong-Macao Greater Bay Area, WeBank's inter-financial institution reconciliation platform, Guangdong- Cross-border data verification platform, port logistics and Traceability. This function determines that it can become an important infrastructure in the digital age. "As a basic infrastructure, blockchain should first be open source, and secondly, the source code should be formally verified. In addition, the blockchain must be vertically open, and some important uses must be fed back to these infrastructures, thereby strengthening the continuous iteration of the infrastructure and making this infrastructure clearer. ”

With the deepening of the connection between the rules and mechanisms of Guangdong, Hong Kong and Macao, the level of integrated development of the Greater Bay Area has continued to improve. The report further pointed out that in the 1.0 era, the integrated development of the Guangdong-Hong Kong-Macao Greater Bay Area has superficial aspects such as hardware docking, front stores and back factories, and gradient division of labor. The demand for layer-by-layer integration is being replaced by the deep-level integration needs such as system compatibility, economic interdependence, and social interconnection in the 2.0 era.

“The Guangdong-Hong Kong-Macao Greater Bay Area relies on cutting-edge technologies such as blockchain to realize trusted data in a diverse institutional environment. The flow or utilization under the conditions will improve the efficiency and effectiveness of the flow of people, logistics, and capital, and significantly expand the 'Xinjiang region' that is the hinterland of each other's economies and integrates innovation. "The report pointed out.

Developing a "trust transfer machine" to help integrated development

"Blockchain, especially the alliance chain, is a recognized machine for transferring trust. A distributed data transmission protocol based on blockchain technology and individual leadership can effectively promote the flow of data elements and help the integrated development of the Greater Bay Area. "As a representative of industry practice, Ma said when sharing.

According to his disclosure, WeBank has always regarded blockchain as one of the core technologies of financial technology, and took the lead in launching blockchain in the financial industry in 2016. Alliance "Golden Chain Alliance". It has always been adhering to the blockchain technologyBased on the concept of comprehensive, safe and controllable technology, relying on the collaboration of the Golden Chain Alliance Open Source Working Group, FISCO BCOS, the underlying open source platform of the financial alliance chain, has been built to achieve localized support for the entire chain, greatly accelerating the development of the blockchain open source ecosystem in the Guangdong-Hong Kong-Macao Greater Bay Area. develop. At present, WeBank, as the first digital bank in China, has accumulated 340 million effective individual customers and nearly 2.8 million small and micro enterprises.

Ma revealed that at present, the open source alliance chain ecosystem built by Weizhong Blockchain and many parties has gathered more than 3,000 institutions and enterprises and more than 70,000 individual members, successfully supporting finance, medical care, justice, agriculture, Hundreds of blockchain uses in multiple industries including manufacturing, and more than 200 benchmark uses supporting industrial digitization.

Currently, the blockchain in the Guangdong-Hong Kong-Macao Greater Bay Area is showing an ecological development trend, and the open and diversified blockchain ecosystem is accelerating its evolution. Gu Qingshan, assistant to the general manager of Shenzhen Zhangzhangtong Intelligent Technology Co., Ltd., pointed out that as the flagship financial technology incubated by Ping An Group, finance Zhang Tong has been deeply involved in financial technology for many years.

Has rich experience in the use of financial blockchain, and has deep accumulation in patents, localization, etc., which can meet the actual needs of financial institutions’ blockchain.

As a practical representative of the academic community, Pang Chuan, Vice President of Macau University of Science and Technology and member of the Macau Legislative Assembly, said that in addition to scientific research and serving society, the most important thing in academia is to cultivate talents. In June 2023, Blockchain Engineering (080917T ) has passed the registration and approval of undergraduate majors in general colleges and universities by the Ministry of Education, and the first batch of undergraduate graduates in blockchain engineering will be officially born in four years. In addition, Tsinghua University, Peking University, University of Science and Technology of China and other well-known universities are on the list of candidates for the national pilot program for innovative use of blockchain in the education field.

[Written by] Li Hualian

Related Q&A: How does the procuratorate investigate the bank statements of WeBank? The procuratorate only needs to go to the company to investigate the bank statements of WeBank. Under normal circumstances, the court cannot check the bank statements of the person subject to execution. If it is related to the case, it can apply for inquiry. The transaction of the person subject to execution may involve property other than the case. The property inquired, seized, frozen, transferred, and valuated by the people's court shall not exceed the scope of the obligation of the person subject to execution. Therefore, the court cannot inquire without legal authorization. .

⑶ What are the 6 major banks that PaiCoin is connected to?

Bank of China. The goal of Pi Coin is that everyone can own blockchain currency. Pi Coin is connected to six major banks: Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank. Pi Coin was developed by three doctors who graduated from Stanford University. .

⑷ What is blockchain

In the simplest terms, blockchain is a distributed ledger.

To understand what this means, we first have to look at its opposite: a centralized ledger. Because blockchain technology started with finance, we will also introduce it below using banks as an example.

The following are our transactions using bank debit cardsThe process:

You can swipe your card to purchase goods in the store.

The merchant sends a statement to your bank for the agreed upon amount.

Your bank will verify that you may have authorized the purchase.

The bank sends the money to the merchant.

Finally, the bank records this information in its ledger.

There’s a lot of technology involved here, but that’s basically it. The last step is important - the bank records all transactions made by the customer. This ledger goes all the way back to the first transaction the bank made.

This ledger is kept, maintained and regulated by the bank. You can read it in your online bank account, but you can't change it. The bank has complete control. If it decides to make a change, there's nothing you can do about it.

Crucially, if hackers were able to access a bank’s ledger, that could cause a lot of problems. They can change the account balance to make it look like certain transactions never occurred, etc.

This is why distributed ledgers are so cool.

Blockchain Network Visualization

If a bank operates on a distributed ledger, each member of the bank will have a copy of the ledger, and whenever any member of the bank When they make a purchase, they tell every other member of the bank.

Each member will validate the transaction and add it to the ledger (the added records are called "blocks"). This has some important benefits, as there is no centralized authority that can manipulate records. Hackers accessing one ledger won't be a big problem because other ledgers can easily verify it.

On the other hand, it requires a lot of work. In short, the second system is blockchain (at least in financial scenarios).

As mentioned above, blockchain is a decentralized list of transactions. If I send Xiao Ming 2 Bitcoins, I send a message to everyone in the network saying "I am sending Xiao Ming 2 Bitcoins" and they all record the transaction.

The future of blockchain, how will it change our lives?

One thing that is important about blockchain is that it is a public resource and no one really owns it because everyone owns it.

Blockchain is not just science fiction. We don’t need to understand the mechanism behind this technology, but you do need to understand that it may completely change our lives in the next 20 years.

This may sound bold, but remember, 20 years ago we were browsing the Internet on Netscape, using state-of-the-art Motorola flip phones, and buying our first DVD players. At that time, if we imagined that a computer could be held in our hands, and we could buy cars, make payments, and watch movies on it,That would surely be considered a fantasy.

Although the impact of blockchain may not be as obvious as the Internet, nor as tangible as mobile phones, blockchain will effectively solve many worries in daily life. Such as intermediaries cheating people, transaction delays, etc. In our current lives, middlemen are everywhere and we take them for granted as a part of life. If one day these intermediaries cease to exist, you will find that the world will become a different place.

Imagine that by 2040, blockchain may become a mature and widely used technology. When one day you can't live without the blockchain just like you can't live without the Internet now, you will be surprised to find that this decentralized accounting technology has simplified the complexity and become a part of your lifestyle

⑸ The motivations for commercial banks to develop blockchain

The motivations for commercial banks to develop blockchain:
1. The popularity of the blockchain concept;
2. Traditional large and medium-sized banks have Test the waters of blockchain technology;
3. Blockchain technology has huge potential for banks;
4. The bank’s own transformation and development needs;
5. Bank management supports the use of blockchain technology . Commercial Bank (Commercial Bank), abbreviated as CB in English, is a type of bank. It is a financial institution that acts as a credit intermediary through deposits, loans, exchange, savings and other businesses.

⑹ What are the blockchain banking system development companies_Applications of blockchain in the banking industry

Blockchain can be said to have the most applications in the financial electronics industry. , after all, blockchain technology is not yet fully mature, and there are not many applications in China. However, blockchain technology plays a prominent role in the financial industry and can solve many problems

About blockchain Most companies are conducting research on the application of chain technology in system development in the financial industry, but there are also a few companies such as Yingtang Zhongchuang that provide development solutions, which are relatively mature

For now, there are still relatively few applications of blockchain, which mainly depends on the in-depth research and development capabilities of each enterprise on blockchain technology

⑺ What is the relationship between blockchain and digital currency

Blockchain refers to a chain formed by connecting a series of data blocks (i.e. blocks). The connection method is: the N+1th block contains the hash value of the Nth block. . Moreover, such a chain of data blocks is simultaneously stored and maintained by a widely distributed and huge number of server nodes. Each server node has a complete copy of the blockchain. Digital currency is another form of existence and circulation of legal currency. Compared with the banknotes and coins currently in circulation, digital currency exists in a digital way. The legal existence of digital currency is legal and is based on blockchain technology. Blockchain is the underlying technology for digital currency issuance. This is also the most direct relationship between the two. They can exist independently of each other. The content of this article comes from: China Law Press "Golden Law of the People's Republic of China"Financial Code: Application Edition"

⑻ Full review of supply chain finance of 13 banks: from the five major commercial banks to city commercial banks with continuous innovation

In the traditional business development model, banks’ supply chain finance business is highly dependent on the credit of core enterprises, and is mainly based on the offline model. While it consumes manpower and energy, the business also faces bottlenecks that are difficult to scale up.

In the "Steel Trade Crisis" in 2012, many steel industry suppliers used multiple pledges of goods to conduct fraudulent financing, which led to a surge in the non-performing rate of the banks involved, and has since then affected the supply chain. Chain Finance is timid.

Nowadays, the external environment of the market has quietly changed. In recent years, banks have paid more and more attention to the power of financial technology. Many banks have established directly affiliated financial technology companies, with increasingly mature intelligent warehousing and monitoring, electronic contract signing, New technologies such as blockchain are also gradually being applied to supply chain financial services, and the weaknesses of banks in the past in terms of risk control are being continuously eliminated.

Coupled with the country’s strong policy support for supply chain finance business and the huge market financing gap in accounts receivable of domestic small and medium-sized enterprises, it is imperative for banks to “return to the battlefield of supply chain finance”. The new business model supported by online Internet, blockchain and other technologies is becoming a breakthrough tool for supply chain financial business.

So what are the specific changes in the layout of supply chain finance among banks today? Based on the annual report data released by various banks in 2018, Zhixin has summarized the industry development profiles of 5 large commercial banks, 4 representative joint-stock banks, two city commercial banks, and e-commerce private banks as follows:

▌ Industrial and Commercial Bank of China

The new changes in ICBC’s supply chain finance business are mainly reflected in its online small and micro financial service platform. There are three main products: “Online Loans” and “Online Supply Chain Financing”. ICBC also cooperated with the platform party China Enterprise Cloud Chain to innovate core digital accounts receivable confirmation credentials that can be transferred to multiple levels, further extending the credit of core enterprises to small and micro enterprises at the end of the supply chain.

In the first nine months of 2018 alone, ICBC has provided a total of more than 45 billion yuan in online supply chain financing to 1,300 upstream and downstream customers. As of the end of 2018, ICBC's total loans to small and micro enterprises reached 321.685 billion yuan, a year-on-year increase of 18.1%. The number of small and micro financial business centers also reached 258, comprehensively promoting the implementation of supply chain finance business.

▌Agricultural Bank of China

The Agricultural Bank of China’s efforts in supply chain finance are first reflected in system construction. In 2018, the Agricultural Bank of China Head Office established the “Inclusive Finance Division + Eight Backstage Centers” In line with the departmental structure, 37 first-tier branches and key second-tier branches have all established inclusive financial divisions, forming an inclusive financial service system driven by the two-wheel drive of “agriculture, rural areas and farmers + small and micro enterprises”.

In terms of promoting specific businesses, Agricultural Bank of China mainly provides full online financing services to upstream and downstream small and micro customers of core enterprises through the development of "data online lending" business. As of the end of 2018, Agricultural Bank of China has issued 23,000 loans to upstream and downstream small and micro enterprises of many core enterprises, with a total amount of 9.1 billion yuan. Recently, the Agricultural Bank of China has also cooperated with the platform party China Enterprise Yunyun Chain to launch a new supply chain product "Factoring e-Financing" to provide financing for core enterprises' upstream and downstream suppliers at all levels.

▌Bank of China

With its advantages in international trade finance, Bank of China launched a supply chain financing product "Rongyida" as early as 2007, which was established in 2009 The supply chain team has also officially launched its efforts in supply chain finance. During the seven-year period from 2009 to 2014, the amount of its supply chain finance business exceeded 74 billion yuan to 1 trillion yuan, with an average annual compound growth rate of 68%. At the end of 2011, Bank of China realized the implementation of the first online supply chain finance project by directly connecting the order information of platform financiers to the Bank of China system through "bank-enterprise docking". Subsequently, through this method, it has expanded to more than 300 companies such as JD.com and Suning. A company has issued more than 10 billion yuan in online financing.

The Bank of China's 2018 annual report also shows that it is participating in the construction and commissioning of the "Block Chain Forfeiting Trading Platform" and the "Digital Bill Trading Platform", and will continue to use "electronic Expand supply chain financial business in the direction of "innovation" + "globalization". As of the end of 2018, its inclusive finance small and micro enterprise loan balance was 304.2 billion yuan, an increase of 12.26% from the end of the previous year.

▌China Construction Bank

In 2018, China Construction Bank proposed a three-year strategic plan for the development of inclusive finance, and in terms of organizational construction, it achieved the first and second level of the inclusive finance division. With full branch coverage, a total of 288 small business centers have been established.

Specifically speaking, at the business level, CCB has designed and developed a series of services including accounts receivable financing, gold and silver warehouses, focusing on the operation of the “three streams” of information flow, logistics and capital flow from corporate procurement, manufacturing, sales to end users. , chattel pledge financing, order financing, chattel pledge financing and more than ten supply chain financing products. In business acceptance, China Construction Bank focuses on the real transaction background of the business, the high degree of embeddedness between products and corporate information flow, logistics and capital flow, and the need to provide structured and combined services. As of the end of 2018, CCB has issued a total of 538.5 billion yuan in online supply chain financing to 33,000 companies, with 1,184 online supply chain cooperation platforms. The balance of loans in the inclusive finance field was 631.017 billion yuan, an increase of 212.515 billion yuan from the previous year.

▌Bank of Communications

Bank of Communications carries out supply chain finance business mainly through the "Yuntong Supply Chain" platform, and mainly focuses on core enterprises in automobiles and other industries, through cooperation with large domestic Logistics company opensIn the form of developing pledge supervision cooperation and carrying out credit insurance cooperation with insurance companies, Bank of Communications has successively launched products such as "Kuiyi Tie", "Kuai Yishou" and "Kuiyi Pay", creating a "Yuntong e-Chain" A series of supply chain financing products.

As of the end of 2018, the Bank of Communications has expanded its domestic industrial chain network to more than 3,000 companies, and the financing balance of industrial chain financial products exceeded RMB 110 billion, an increase of 22.42% from the end of the previous year. The Bank’s blockchain technology has already In the field of automotive Internet of Things finance, the accounts receivable chain business is also advancing rapidly.

▌Ping An Bank

Ping An Bank (formerly Shenzhen Development Bank) is the first commercial bank in China to get involved in and advocate the development of supply chain finance business. In 2002, Shenzhen Development Bank became the first systemic bank in China. A bank that proposes and promotes supply chain finance and trade finance product portfolios. In 2005 alone, Shenzhen Development Bank's "1+N" supply chain finance model created a credit line of 250 billion yuan, and the non-performing loan rate that year was only 0.57%.

In the online layout, for core enterprises in the industry chain and their upstream customers, Ping An Bank launched the Supply Chain Accounts Receivable Service Platform (SAS Platform) in 2018 to provide online transfer of accounts receivable. , financing, management, settlement and other comprehensive financial services. The SAS platform comprehensively applies core technologies such as "Ping An Blockchain" and "Artificial Intelligence + Big Data" to implement intelligent verification and continuous monitoring of the authenticity of trade backgrounds. As of the end of 2018, the cumulative transaction volume of Ping An Bank's SAS platform has exceeded 10 billion yuan, providing services to 111 core enterprises and their upstream small, medium and micro enterprises.

▌ Shanghai Pudong Development Bank

Shanghai Pudong Development Bank first launched the "Enterprise Supply Chain Financing Solution" in 2007 to provide core enterprises with credit services, procurement services, inventory turnover, account collection, etc. Financing support. Since 2011, Shanghai Pudong Development Bank has been committed to building a unique supply chain financial platform, and has cooperated with many core enterprises and logistics companies such as China Mobile, Shenlong Automobile, and COSCO Logistics to achieve the integration of information flow, logistics and capital flow.

In terms of online layout, Shanghai Pudong Development Bank has launched products such as “Jingpu e-Account” and “Jingpu e-Commerce Loan” to acquire customers in batches from core asset-side enterprises and provide them online. In the field of chain finance, innovative products such as "Government Procurement e-Loan" and "Bill Pool Instant Loan" have been launched, as well as products such as cloud fund supervision and e-enterprise banking comprehensive service platform. As of the end of 2018, Shanghai Pudong Development Bank served more than 31,300 technology-based corporate customers in the supply chain field, promoted 20 automotive supply chains, and served 864 upstream and downstream customers in the automotive industry.

▌ China CITIC Bank

China CITIC Bank’s supply chain finance business is mainly promoted by building three major platforms, four major value-added chains and five major characteristic networks. The three major platforms include logistics financing platform, peer cooperation platformTaiwan and government support platform. The four major value-added chains include the creation of accounts receivable value-added chain, prepaid accounts value-added chain, logistics service value-added chain, and electronic service value-added chain. The five characteristic networks are automobile financial network, steel financial network, and home appliance financial network. , telecommunications financial network and petrochemical financial network, etc.

China CITIC Bank also successfully launched a full-process online supply chain finance platform innovative product "Chinese e-Chain - Payment and Circulation Integration" in October 2018, integrating CITIC Bank's business system with the core enterprise's supply chain finance platform Docking, with the help of multi-level circulation of standardized electronic "payment vouchers", it provides full-process, online financing to its upstream N-level suppliers. In 2018, CITIC Bank also launched the country's first blockchain forfaiting trading system and released a "blockchain + supply chain" pilot innovation project. As of the end of 2018, the business volume on its chain exceeded 10 billion yuan.

▌Zheshang Bank

Supply chain finance is an important strategic task for Zheshang Bank’s current development. Zheshang Bank began to study the application of blockchain technology in 2016 and launched it in 2017. In August, it took the lead in putting into production the receivables chain platform developed based on blockchain technology. Focusing on supply chain finance, Zhejiang merchants innovate "pooling" and "online" financing business models, and continue to focus on the three pools (Yongjin bill pool, Yongjin asset pool, and Yongjin export pool). Business platform for business development.

The first is the pool financing platform. In 2018, it signed contracts with 22,290 customers, a year-on-year increase of 43.58%. The asset balance in the pool was 350.679 billion yuan, and the cumulative number of accounts receivable entered into the pool was 100,800. The amount is approximately 72.9 billion yuan. The specific product "Zhizhendai" signed contracts with 1,645 customers in 2018, a year-on-year increase of 26.25%, and the financing balance was 50.125 billion yuan, a year-on-year increase of 44.68%.

The second is the Yiqiyin platform for core corporate financial services. In 2018, a total of 234 Yiqiyin platforms were launched, an increase of 172.09% from the end of the previous year. The platform’s cumulative financing was 36.785 billion yuan, an increase of 485.28% from the end of the previous year. %.

The third is the accounts receivable chain platform. By the end of 2018, Zheshang Bank had launched 1,410 accounts receivable chain platforms, a year-on-year increase of nearly 12 times, and the cumulative issuance amount was 122.878 billion yuan, a year-on-year increase of nearly 4 times.

▌Shanghai Bank

The Bank of Shanghai released the "Uplink e-Chain" online supply chain financial service platform in October 2018, and established a new supply chain finance department in April this year. , expand and cover the business model to all aspects of core enterprise procurement, production, sales, etc., and at the same time use big data to start building the enterprise's credit model.

"Upstream e-Chain" is based on the online supply chain financial service platform, covering 3 major categories and a total of 15 products. By sharing data with core enterprises to build a platform, it can master the required information flow, capital flow and Logistics, forming closed-loop management. At the same time Bank of ShanghaiBy cooperating with Jiangsu Runhe Software, blockchain technology is introduced to realize the divisible and combinable payment of core enterprise credit, thereby extending the core enterprise's credit to second-, third- and fourth-tier suppliers. In 2018, the Bank of Shanghai realized supply chain finance loans of 52.487 billion yuan, a year-on-year increase of 117.22%. At the 2018 Bank of Shanghai Annual Meeting, this figure is expected to increase to 100 billion yuan by 2020.

▌Bank of Beijing

Bank of Beijing plans to provide "e-commerce and finance" comprehensive service solutions for the trading market. With the help of the credit of the commodity trading platform, it provides full-process financial services to platform traders. Create an innovative online business model of "supply chain finance + capital depository". At the specific product level, the online supply chain product of "Jingxin Chain" was launched to extend the credit of core enterprises to upstream multi-level suppliers and realize the split and transfer of accounts receivable claims. As of the end of 2018, the balance of Bank of Beijing's small and micro enterprise loans was 425.6 billion yuan, a year-on-year increase of 19%.

In addition, other e-commerce private banks such as WeBank, Suning Bank, MYBank, etc. have also made plans in supply chain finance business. WeBank is currently expanding its supply chain finance business based on blockchain technology. In addition to its own way of expanding core enterprises, WeBank has also proposed a "bank-bank cooperation" model in which WeBank provides grassroots technology and cooperates with city commercial banks to develop business.

Suning Bank successfully launched the domestic letter of credit information transmission system (BCLC system) based on blockchain in September 2017, and pioneered the "Internet of Things + Blockchain" movable asset in September 2018. Pledge financing was the first of its kind. Based on the coal inventory of a certain company, Suning Bank gave the financier a credit line for movable property pledge and successfully realized the loan. At the same time, its blockchain + Internet of Things automobile and finance platform, and blockchain + Internet of Things 3C commodity supervision platform have also been put on the release schedule.

As banks continue to deepen their development in supply chain finance business, this business will not only serve the real economy, but also bring new profit growth points to the business side, and the addition of financial technology technology. It will also continue to promote the update and evolution of market business models and form a virtuous business ecological cycle.