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作為中國中化(hua)產(chan)業(ye)金(jin)(jin)融(rong)服(fu)務平臺，中化(hua)資本聚焦(jiao)集團主責(ze)主業(ye)，充分利(li)用產(chan)業(ye)鏈(lian)(lian)、供(gong)應鏈(lian)(lian)、數據(ju)鏈(lian)(lian)、服(fu)務鏈(lian)(lian)等資源(yuan)優勢，通(tong)過(guo)搭建“中化(hua)產(chan)融(rong)服(fu)務開放平臺”、創(chuang)(chuang)新“數據(ju)訂單貸”金(jin)(jin)融(rong)服(fu)務模式(shi)等方式(shi)，構建融(rong)資供(gong)給融(rong)通(tong)模式(shi)，推進“小快(kuai)輕準”低成(cheng)本的產(chan)業(ye)鏈(lian)(lian)供(gong)應鏈(lian)(lian)協同(tong)創(chuang)(chuang)新場景，促(cu)進農業(ye)、新材料等產(chan)業(ye)鏈(lian)(lian)的集成(cheng)整合和(he)在線共享，不斷(duan)定制更(geng)高質量、更(geng)高效率、更(geng)個性(xing)化(hua)的供(gong)應鏈(lian)(lian)科技金(jin)(jin)融(rong)服(fu)務，拓展深化(hua)服(fu)務大中小企(qi)業(ye)融(rong)通(tong)。

近年(nian)來，中(zhong)化(hua)資(zi)(zi)本旗下(xia)中(zhong)國外貿信(xin)托、中(zhong)化(hua)保(bao)理、中(zhong)化(hua)資(zi)(zi)本數科公司等多機(ji)構聯合(he)創(chuang)(chuang)新金(jin)融(rong)(rong)服(fu)務方式，力爭破解傳統金(jin)融(rong)(rong)服(fu)務重(zhong)心(xin)難(nan)以下(xia)沉(chen)、金(jin)融(rong)(rong)供給不平衡(heng)不充分、融(rong)(rong)資(zi)(zi)增信(xin)支持(chi)(chi)體系(xi)(xi)不健全等瓶頸(jing)問(wen)題(ti)(ti)，積極打造可持(chi)(chi)續產(chan)融(rong)(rong)協同生態圈。一方面(mian)(mian)切(qie)實(shi)(shi)推(tui)進(jin)(jin)解決中(zhong)小(xiao)微企業(ye)(ye)(ye)融(rong)(rong)資(zi)(zi)難(nan)、融(rong)(rong)資(zi)(zi)貴問(wen)題(ti)(ti)，基于行業(ye)(ye)(ye)真實(shi)(shi)可信(xin)交易大數據，精準評(ping)估(gu)產(chan)業(ye)(ye)(ye)鏈小(xiao)微客(ke)戶(hu)(hu)風險并(bing)合(he)作放款，攜手中(zhong)國中(zhong)化(hua)產(chan)業(ye)(ye)(ye)板塊(kuai)共(gong)同推(tui)進(jin)(jin)業(ye)(ye)(ye)務落(luo)地，為(wei)產(chan)業(ye)(ye)(ye)鏈上(shang)中(zhong)小(xiao)企業(ye)(ye)(ye)提供創(chuang)(chuang)新金(jin)融(rong)(rong)服(fu)務，切(qie)實(shi)(shi)破解產(chan)業(ye)(ye)(ye)端和資(zi)(zi)金(jin)端長期(qi)存在的最后一公里(li)難(nan)題(ti)(ti)。另一方面(mian)(mian)聚(ju)焦主責主業(ye)(ye)(ye)推(tui)進(jin)(jin)產(chan)融(rong)(rong)協同創(chuang)(chuang)新，充分利用中(zhong)國中(zhong)化(hua)農業(ye)(ye)(ye)產(chan)業(ye)(ye)(ye)鏈海量場(chang)景，構建完(wan)善產(chan)品(pin)體系(xi)(xi)，提供場(chang)景化(hua)、綜合(he)化(hua)創(chuang)(chuang)新金(jin)融(rong)(rong)服(fu)務，持(chi)(chi)續推(tui)出(chu)肥(fei)易貸、MAP農戶(hu)(hu)貸、農資(zi)(zi)保(bao)理等一系(xi)(xi)列(lie)創(chuang)(chuang)新產(chan)品(pin)。2021年(nian)，中(zhong)化(hua)資(zi)(zi)本通過產(chan)融(rong)(rong)協同觸達產(chan)業(ye)(ye)(ye)鏈客(ke)戶(hu)(hu)150余家(jia)，實(shi)(shi)現金(jin)融(rong)(rong)類協同落(luo)地業(ye)(ye)(ye)務規模近百(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(de)產(chan)(chan)(chan)業(ye)(ye)實踐經驗和豐富的(de)產(chan)(chan)(chan)業(ye)(ye)應用場景，是中(zhong)央(yang)(yang)企業(ye)(ye)加(jia)快打造現(xian)代(dai)產(chan)(chan)(chan)業(ye)(ye)鏈(lian)(lian)鏈(lian)(lian)長的(de)獨特優勢(shi)(shi)。中(zhong)央(yang)(yang)企業(ye)(ye)產(chan)(chan)(chan)業(ye)(ye)金融(rong)服(fu)務平臺，應聚焦企業(ye)(ye)主責(ze)主業(ye)(ye)，突出產(chan)(chan)(chan)業(ye)(ye)鏈(lian)(lian)鏈(lian)(lian)長優勢(shi)(shi)，立(li)足產(chan)(chan)(chan)業(ye)(ye)鏈(lian)(lian)上下游、大(da)中(zhong)小(xiao)企業(ye)(ye)多(duo)元化金融(rong)需(xu)求，提(ti)升供應鏈(lian)(lian)金融(rong)服(fu)務管理(li)能力。

中化資(zi)本依托于中國中化豐富的產(chan)業資(zi)源，通過探(tan)索(suo)產(chan)融結合底層組織機制，整(zheng)合旗下金(jin)融機構(gou)組建產(chan)融業務(wu)聯席服務(wu)團隊，打(da)(da)破金(jin)融服務(wu)業務(wu)邊界，推進(jin)資(zi)產(chan)端(duan)、平臺端(duan)、資(zi)金(jin)端(duan)全流(liu)程業務(wu)協同(tong)，打(da)(da)造多(duo)元(yuan)化、多(duo)層次的一站式產(chan)業金(jin)融綜合解決方(fang)案服務(wu)平臺，持續(xu)創新(xin)產(chan)融協同(tong)模式，推進(jin)產(chan)融結合的深(shen)度和廣度。

旗(qi)(qi)下(xia)中(zhong)(zhong)(zhong)國(guo)(guo)外貿信托與(yu)中(zhong)(zhong)(zhong)化(hua)商(shang)(shang)務(wu)發揮(hui)各自(zi)業(ye)務(wu)優勢(shi)，推(tui)(tui)出“商(shang)(shang)務(wu)+金(jin)融(rong)”業(ye)務(wu)模(mo)式(shi)，為產(chan)業(ye)鏈(lian)客戶(hu)提(ti)(ti)(ti)供(gong)“采購咨詢+融(rong)資(zi)(zi)+租賃(lin)+貿易”的(de)一體化(hua)服務(wu)解決方案；旗(qi)(qi)下(xia)中(zhong)(zhong)(zhong)化(hua)商(shang)(shang)務(wu)與(yu)中(zhong)(zhong)(zhong)化(hua)保理(li)簽署框架合作協議，協同推(tui)(tui)進“商(shang)(shang)務(wu)+保理(li)”業(ye)務(wu)模(mo)式(shi)，為客戶(hu)提(ti)(ti)(ti)供(gong)供(gong)應鏈(lian)保理(li)融(rong)資(zi)(zi)產(chan)品，提(ti)(ti)(ti)升(sheng)客戶(hu)資(zi)(zi)金(jin)使用(yong)效率(lv)，增進產(chan)業(ye)鏈(lian)用(yong)戶(hu)粘(zhan)性；旗(qi)(qi)下(xia)中(zhong)(zhong)(zhong)國(guo)(guo)外貿信托與(yu)諾安基金(jin)協同加(jia)強投(tou)研合作，聯合發揮(hui)各自(zi)投(tou)研團隊優勢(shi)，共同提(ti)(ti)(ti)升(sheng)投(tou)資(zi)(zi)研究能力及(ji)市(shi)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)化(hua)資本以“打造產(chan)業(ye)金(jin)融新生態”為戰略(lve)引領，借助產(chan)業(ye)鏈(lian)上下游業(ye)務、資金(jin)等信(xin)息，發(fa)揮數據(ju)和服務支(zhi)撐作用，旗下中(zhong)化(hua)資本數科自主(zhu)研發(fa)搭建“中(zhong)化(hua)產(chan)融服務開放平臺”，精準對接供(gong)應鏈(lian)實體企業(ye)，特別是中(zhong)小企業(ye)在(zai)生產(chan)、流通、交易等各環節的金(jin)融需(xu)求(qiu)，提供(gong)優質高效供(gong)應鏈(lian)金(jin)融服務。

其核(he)心是有效鏈(lian)(lian)(lian)接產(chan)(chan)(chan)(chan)業(ye)(ye)端與(yu)資(zi)(zi)金端，將產(chan)(chan)(chan)(chan)業(ye)(ye)鏈(lian)(lian)(lian)核(he)心企(qi)業(ye)(ye)散落在(zai)各系統(tong)的交易(yi)、行(xing)為(wei)、資(zi)(zi)金等(deng)信(xin)息進(jin)行(xing)串聯(lian)整合(he)分(fen)析，對(dui)產(chan)(chan)(chan)(chan)業(ye)(ye)鏈(lian)(lian)(lian)上(shang)中(zhong)下(xia)游(you)客戶(hu)進(jin)行(xing)行(xing)為(wei)判斷(duan)、風險識別，通(tong)(tong)過場(chang)景分(fen)析與(yu)識別、風控建模與(yu)管理(li)等(deng)方(fang)式，支持對(dui)接外部產(chan)(chan)(chan)(chan)業(ye)(ye)場(chang)景，輸出產(chan)(chan)(chan)(chan)品(pin)與(yu)服務的同時將外部客戶(hu)資(zi)(zi)源(yuan)轉化(hua)為(wei)中(zhong)化(hua)上(shang)下(xia)游(you)的一(yi)級或多級穿透客戶(hu)，搭建產(chan)(chan)(chan)(chan)融(rong)(rong)(rong)結(jie)合(he)的可(ke)信(xin)交易(yi)鏈(lian)(lian)(lian)、可(ke)信(xin)行(xing)為(wei)鏈(lian)(lian)(lian)與(yu)可(ke)信(xin)資(zi)(zi)產(chan)(chan)(chan)(chan)鏈(lian)(lian)(lian)，以產(chan)(chan)(chan)(chan)業(ye)(ye)鏈(lian)(lian)(lian)真實(shi)數據(ju)資(zi)(zi)產(chan)(chan)(chan)(chan)對(dui)鏈(lian)(lian)(lian)上(shang)中(zhong)小企(qi)業(ye)(ye)進(jin)行(xing)信(xin)用(yong)背(bei)書，進(jin)而(er)實(shi)現(xian)中(zhong)化(hua)產(chan)(chan)(chan)(chan)業(ye)(ye)鏈(lian)(lian)(lian)縱向延伸，打造(zao)產(chan)(chan)(chan)(chan)業(ye)(ye)生態閉環。通(tong)(tong)過供應鏈(lian)(lian)(lian)和金融(rong)(rong)(rong)綜(zong)合(he)服務體系向產(chan)(chan)(chan)(chan)業(ye)(ye)鏈(lian)(lian)(lian)延伸，幫助核(he)心企(qi)業(ye)(ye)沿產(chan)(chan)(chan)(chan)業(ye)(ye)鏈(lian)(lian)(lian)拓展、服務鏈(lian)(lian)(lian)上(shang)中(zhong)小微(wei)企(qi)業(ye)(ye)，增強全(quan)鏈(lian)(lian)(lian)掌(zhang)控力，營(ying)造(zao)全(quan)鏈(lian)(lian)(lian)大(da)中(zhong)小企(qi)業(ye)(ye)協同串聯(lian)、融(rong)(rong)(rong)通(tong)(tong)發展的產(chan)(chan)(chan)(chan)業(ye)(ye)生態。目前，平(ping)臺已(yi)形成以產(chan)(chan)(chan)(chan)業(ye)(ye)客戶(hu)端（貸(dai)動你）、核(he)心企(qi)業(ye)(ye)端（載翼企(qi)）、智能展業(ye)(ye)工具(ju)（HAI鏈(lian)(lian)(lian)客）“三端閉環”模式。

此外，平(ping)臺實現了與(yu)信托(tuo)、銀(yin)行(xing)等金融機構的(de)(de)核心系(xi)(xi)統對接(jie)，通過(guo)對產(chan)業(ye)鏈交易(yi)行(xing)為數(shu)據的(de)(de)標準化分析(xi)與(yu)加工指標輸(shu)出(chu)，推(tui)動(dong)金融機構建立起基于數(shu)據驅(qu)動(dong)的(de)(de)產(chan)業(ye)鏈風控金融產(chan)品體(ti)系(xi)(xi)。

開展產品創新 “數據訂單貸”基于產業數據匹配金融資源

為加快鏈上小微企(qi)業(ye)培優、扶強、助長步(bu)伐，中化資本所(suo)屬企(qi)業(ye)積(ji)極推動數字化轉型，為產業(ye)鏈不同(tong)場景和客戶群體搭(da)建定制化產品體系，創新出全線上、純信(xin)用、隨借隨還的供應鏈金融產品“數據(ju)訂單貸”。

“數(shu)據(ju)(ju)訂(ding)(ding)單(dan)貸”聚焦(jiao)服(fu)務(wu)中(zhong)(zhong)國中(zhong)(zhong)化核心(xin)(xin)主業(ye)(ye)(ye)(ye)上(shang)下(xia)(xia)游(you)中(zhong)(zhong)小(xiao)微企(qi)(qi)業(ye)(ye)(ye)(ye)客(ke)戶(hu)需求，基于(yu)產(chan)業(ye)(ye)(ye)(ye)鏈(lian)交易數(shu)據(ju)(ju)分析(xi)和風控(kong)模(mo)(mo)型判斷，由內外部金融(rong)機(ji)構共同出資向核心(xin)(xin)企(qi)(qi)業(ye)(ye)(ye)(ye)下(xia)(xia)游(you)客(ke)戶(hu)發放，用于(yu)支(zhi)付核心(xin)(xin)企(qi)(qi)業(ye)(ye)(ye)(ye)訂(ding)(ding)單(dan)采購款(kuan)的純信(xin)用聯合貸款(kuan)產(chan)品。結合核心(xin)(xin)企(qi)(qi)業(ye)(ye)(ye)(ye)產(chan)業(ye)(ye)(ye)(ye)特(te)點、行業(ye)(ye)(ye)(ye)特(te)征(zheng)及產(chan)業(ye)(ye)(ye)(ye)鏈(lian)客(ke)戶(hu)群畫(hua)像，基于(yu)產(chan)業(ye)(ye)(ye)(ye)數(shu)據(ju)(ju)驅動(dong)創新(xin)金融(rong)服(fu)務(wu)產(chan)品客(ke)戶(hu)篩選模(mo)(mo)式、風控(kong)模(mo)(mo)型設計(ji)標(biao)準(zhun)、產(chan)品研發設計(ji)等，為(wei)產(chan)業(ye)(ye)(ye)(ye)鏈(lian)上(shang)下(xia)(xia)游(you)客(ke)戶(hu)訂(ding)(ding)單(dan)采購等重(zhong)點環節引入(ru)融(rong)資等服(fu)務(wu)。該產(chan)品真正意義上(shang)實現(xian)了基于(yu)產(chan)業(ye)(ye)(ye)(ye)標(biao)準(zhun)評(ping)價客(ke)戶(hu)、配置金融(rong)資源，助力核心(xin)(xin)企(qi)(qi)業(ye)(ye)(ye)(ye)解決“兩金”難題(ti)、激(ji)發客(ke)戶(hu)黏性，提高下(xia)(xia)游(you)企(qi)(qi)業(ye)(ye)(ye)(ye)資金可得(de)性難題(ti)。

以(yi)(yi)中化(hua)(hua)(hua)化(hua)(hua)(hua)肥產(chan)(chan)(chan)業場景供應(ying)(ying)鏈(lian)金融服(fu)務(wu)為(wei)(wei)例。化(hua)(hua)(hua)肥行業產(chan)(chan)(chan)業鏈(lian)有(you)著(zhu)參與(yu)主體眾(zhong)多、產(chan)(chan)(chan)業鏈(lian)下(xia)游(you)客(ke)(ke)戶(hu)無供信(xin)(xin)用(yong)自證(zheng)等特(te)點，傳(chuan)統金融機構難以(yi)(yi)有(you)效(xiao)解(jie)決該行業長期(qi)存在的(de)信(xin)(xin)息(xi)不(bu)對(dui)稱、信(xin)(xin)息(xi)驗真成本(ben)高(gao)等難題(ti)。中化(hua)(hua)(hua)資本(ben)數(shu)科深入(ru)調研中化(hua)(hua)(hua)化(hua)(hua)(hua)肥產(chan)(chan)(chan)業鏈(lian)條交易特(te)點及(ji)供應(ying)(ying)鏈(lian)金融服(fu)務(wu)需求(qiu)，基于下(xia)游(you)客(ke)(ke)戶(hu)與(yu)中化(hua)(hua)(hua)化(hua)(hua)(hua)肥交易數(shu)據，專項為(wei)(wei)下(xia)游(you)客(ke)(ke)戶(hu)采購(gou)的(de)資金需求(qiu)提(ti)供純信(xin)(xin)用(yong)流動資金信(xin)(xin)貸。該產(chan)(chan)(chan)品對(dui)下(xia)游(you)客(ke)(ke)戶(hu)，具有(you)無抵押無擔(dan)保、純信(xin)(xin)用(yong)、全線上操作(zuo)、隨借隨還、用(yong)途特(te)定、手續簡便(bian)等特(te)點。對(dui)鏈(lian)上核(he)心企業而(er)言，可提(ti)高(gao)資金周(zhou)轉(zhuan)率、優(you)化(hua)(hua)(hua)財務(wu)數(shu)據、壓降兩(liang)金規模(mo)、增進(jin)下(xia)游(you)企業粘性等優(you)勢(shi)。

截(jie)至目前，數據訂(ding)單貸(dai)(dai)涵蓋(gai)了(le)化肥、種業(ye)、新材料、橡膠輪(lun)胎(tai)等多行(xing)業(ye)板塊的金(jin)融風控模型及(ji)產(chan)品(pin)體系，已落地“化塑貸(dai)(dai)”“肥易貸(dai)(dai)”“壹化白條”“實華惠易貸(dai)(dai)”“輕松貸(dai)(dai)”等多款鏈條產(chan)品(pin)，業(ye)務(wu)范圍覆蓋(gai)全國(guo)16個省市(shi)，累計授信額度超2.6億元，預計明(ming)年實現中(zhong)國(guo)中(zhong)化內部核心企業(ye)全覆蓋(gai)。

經驗一：協同創新 賦能全鏈企業推進產融協同

從中化(hua)產(chan)(chan)融(rong)服(fu)(fu)務(wu)開放平臺、數據訂單貸產(chan)(chan)品(pin)的(de)(de)構(gou)思到(dao)創設(she)，再到(dao)項目試(shi)點和推廣(guang)，中化(hua)資本(ben)始終堅持(chi)“科(ke)(ke)(ke)技(ji)賦(fu)能金(jin)融(rong)、金(jin)融(rong)服(fu)(fu)務(wu)產(chan)(chan)業(ye)(ye)”的(de)(de)思路，搭(da)建起(qi)“產(chan)(chan)業(ye)(ye)+金(jin)融(rong)+科(ke)(ke)(ke)技(ji)”的(de)(de)密切合作路徑，共同(tong)為產(chan)(chan)業(ye)(ye)鏈賦(fu)能。產(chan)(chan)業(ye)(ye)端的(de)(de)鏈上核心(xin)企業(ye)(ye)，負責交(jiao)易數據提(ti)(ti)(ti)供(gong)，發揮懂產(chan)(chan)業(ye)(ye)、懂市(shi)場(chang)、懂客戶優勢，針對行業(ye)(ye)趨(qu)勢、產(chan)(chan)業(ye)(ye)政策、市(shi)場(chang)環(huan)境等系統性風(feng)險，提(ti)(ti)(ti)供(gong)產(chan)(chan)業(ye)(ye)專家意見、協同(tong)發揮產(chan)(chan)業(ye)(ye)優勢。金(jin)融(rong)科(ke)(ke)(ke)技(ji)公司作為金(jin)融(rong)科(ke)(ke)(ke)技(ji)提(ti)(ti)(ti)供(gong)方，利用金(jin)融(rong)端的(de)(de)科(ke)(ke)(ke)技(ji)創新手段，提(ti)(ti)(ti)升全鏈在科(ke)(ke)(ke)技(ji)、風(feng)控、合規等方面的(de)(de)核心(xin)業(ye)(ye)務(wu)能力。金(jin)融(rong)機構(gou)作為金(jin)融(rong)服(fu)(fu)務(wu)提(ti)(ti)(ti)供(gong)方，圍繞產(chan)(chan)業(ye)(ye)需求，通過創新模式與(yu)產(chan)(chan)品(pin)，負責最終提(ti)(ti)(ti)供(gong)一體化(hua)金(jin)融(rong)服(fu)(fu)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)融服務(wu)開放平臺”是(shi)中(zhong)化資(zi)(zi)本“十四五”規(gui)劃(hua)中(zhong)科技(ji)與數(shu)(shu)字(zi)化專項規(gui)劃(hua)的(de)(de)(de)重(zhong)點項目，而“數(shu)(shu)據訂單貸(dai)(dai)”是(shi)產(chan)(chan)融服務(wu)開放平臺重(zhong)點創(chuang)(chuang)新(xin)推出的(de)(de)(de)首款金融產(chan)(chan)品(pin)，兩者均是(shi)對(dui)傳統(tong)信貸(dai)(dai)產(chan)(chan)品(pin)的(de)(de)(de)創(chuang)(chuang)新(xin)和升級。其(qi)該產(chan)(chan)品(pin)突破性(xing)地解決了產(chan)(chan)業鏈條上(shang)小(xiao)(xiao)微客戶資(zi)(zi)金可得性(xing)困(kun)境，尤其(qi)是(shi)下游的(de)(de)(de)民營企(qi)業和小(xiao)(xiao)微客戶難以得到有效(xiao)資(zi)(zi)金支持(chi)問題，有效(xiao)支撐了小(xiao)(xiao)微企(qi)業客戶急、短(duan)、頻的(de)(de)(de)用款需求，其(qi)業務(wu)內核是(shi)建立在(zai)業務(wu)全(quan)面數(shu)(shu)字(zi)化基礎上(shang)、基于大(da)數(shu)(shu)據風控模(mo)型等現代科技(ji)手段的(de)(de)(de)金融創(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)化資本打造出以產(chan)業(ye)鏈核心企業(ye)為節點，鏈上中(zhong)小(xiao)微企業(ye)為要素的(de)融(rong)通(tong)(tong)發展(zhan)產(chan)業(ye)生態。一(yi)是(shi)通(tong)(tong)過(guo)幫助(zhu)(zhu)中(zhong)國中(zhong)化核心企業(ye)解決產(chan)業(ye)鏈下游(you)客戶的(de)融(rong)資需求(qiu)，穩定(ding)其銷售渠道，提前綁定(ding)下游(you)客戶。二是(shi)通(tong)(tong)過(guo)高效匹配金(jin)融(rong)資源(yuan)助(zhu)(zhu)力新客戶采購中(zhong)化產(chan)品，助(zhu)(zhu)力核心企業(ye)提高市場占(zhan)有率。三是(shi)通(tong)(tong)過(guo)逐步將(jiang)創新產(chan)品和模式推廣到與產(chan)業(ye)鏈存在緊密耦(ou)合關系的(de)外部場景(jing)，使金(jin)融(rong)服務扎扎實(shi)(shi)實(shi)(shi)拓(tuo)展(zhan)延(yan)伸至產(chan)業(ye)鏈的(de)最后一(yi)公里。

【責任編輯：溫存】