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作為中國中化(hua)產業(ye)(ye)金融服(fu)(fu)(fu)務平臺，中化(hua)資(zi)本(ben)聚(ju)焦(jiao)集團主(zhu)責主(zhu)業(ye)(ye)，充分(fen)利用(yong)產業(ye)(ye)鏈(lian)、供(gong)(gong)應鏈(lian)、數據鏈(lian)、服(fu)(fu)(fu)務鏈(lian)等資(zi)源優勢，通(tong)過搭建“中化(hua)產融服(fu)(fu)(fu)務開(kai)放平臺”、創新(xin)“數據訂單貸(dai)”金融服(fu)(fu)(fu)務模式(shi)(shi)(shi)等方(fang)式(shi)(shi)(shi)，構建融資(zi)供(gong)(gong)給融通(tong)模式(shi)(shi)(shi)，推(tui)進“小(xiao)快輕準”低成(cheng)本(ben)的(de)產業(ye)(ye)鏈(lian)供(gong)(gong)應鏈(lian)協同創新(xin)場景，促(cu)進農業(ye)(ye)、新(xin)材(cai)料等產業(ye)(ye)鏈(lian)的(de)集成(cheng)整合和(he)在線共享，不(bu)斷定(ding)制更(geng)高質(zhi)量、更(geng)高效率、更(geng)個性化(hua)的(de)供(gong)(gong)應鏈(lian)科技金融服(fu)(fu)(fu)務，拓展深(shen)化(hua)服(fu)(fu)(fu)務大中小(xiao)企(qi)業(ye)(ye)融通(tong)。

近年(nian)來(lai)，中(zhong)(zhong)化(hua)(hua)(hua)資本(ben)(ben)旗下中(zhong)(zhong)國外貿信托(tuo)、中(zhong)(zhong)化(hua)(hua)(hua)保(bao)理(li)、中(zhong)(zhong)化(hua)(hua)(hua)資本(ben)(ben)數科公司(si)等多機構聯合(he)創(chuang)新(xin)金(jin)融(rong)(rong)(rong)服務方(fang)(fang)式(shi)，力爭破解傳統金(jin)融(rong)(rong)(rong)服務重(zhong)心難以下沉、金(jin)融(rong)(rong)(rong)供(gong)給不(bu)(bu)平(ping)衡不(bu)(bu)充分、融(rong)(rong)(rong)資增信支持體(ti)系不(bu)(bu)健全等瓶(ping)頸問題，積極(ji)打造可(ke)持續產(chan)(chan)融(rong)(rong)(rong)協(xie)(xie)(xie)同(tong)(tong)生態圈。一方(fang)(fang)面(mian)切實(shi)推進解決(jue)中(zhong)(zhong)小(xiao)微企業(ye)(ye)融(rong)(rong)(rong)資難、融(rong)(rong)(rong)資貴問題，基于行業(ye)(ye)真實(shi)可(ke)信交易(yi)大數據，精準評估產(chan)(chan)業(ye)(ye)鏈(lian)(lian)小(xiao)微客(ke)戶(hu)(hu)風險并(bing)合(he)作放款，攜手(shou)中(zhong)(zhong)國中(zhong)(zhong)化(hua)(hua)(hua)產(chan)(chan)業(ye)(ye)板塊共同(tong)(tong)推進業(ye)(ye)務落(luo)地(di)，為(wei)產(chan)(chan)業(ye)(ye)鏈(lian)(lian)上中(zhong)(zhong)小(xiao)企業(ye)(ye)提供(gong)創(chuang)新(xin)金(jin)融(rong)(rong)(rong)服務，切實(shi)破解產(chan)(chan)業(ye)(ye)端和資金(jin)端長期存在(zai)的最后(hou)一公里(li)難題。另一方(fang)(fang)面(mian)聚焦主責主業(ye)(ye)推進產(chan)(chan)融(rong)(rong)(rong)協(xie)(xie)(xie)同(tong)(tong)創(chuang)新(xin)，充分利用中(zhong)(zhong)國中(zhong)(zhong)化(hua)(hua)(hua)農(nong)業(ye)(ye)產(chan)(chan)業(ye)(ye)鏈(lian)(lian)海量場景，構建完善產(chan)(chan)品體(ti)系，提供(gong)場景化(hua)(hua)(hua)、綜合(he)化(hua)(hua)(hua)創(chuang)新(xin)金(jin)融(rong)(rong)(rong)服務，持續推出(chu)肥易(yi)貸、MAP農(nong)戶(hu)(hu)貸、農(nong)資保(bao)理(li)等一系列創(chuang)新(xin)產(chan)(chan)品。2021年(nian)，中(zhong)(zhong)化(hua)(hua)(hua)資本(ben)(ben)通過產(chan)(chan)融(rong)(rong)(rong)協(xie)(xie)(xie)同(tong)(tong)觸達產(chan)(chan)業(ye)(ye)鏈(lian)(lian)客(ke)戶(hu)(hu)150余家，實(shi)現金(jin)融(rong)(rong)(rong)類協(xie)(xie)(xie)同(tong)(tong)落(luo)地(di)業(ye)(ye)務規(gui)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

深厚的產(chan)業(ye)(ye)實(shi)踐經驗(yan)和豐富的產(chan)業(ye)(ye)應用場景，是中央企(qi)(qi)業(ye)(ye)加快打造現代產(chan)業(ye)(ye)鏈鏈長的獨特優勢。中央企(qi)(qi)業(ye)(ye)產(chan)業(ye)(ye)金融服務(wu)平臺，應聚焦(jiao)企(qi)(qi)業(ye)(ye)主責主業(ye)(ye)，突出(chu)產(chan)業(ye)(ye)鏈鏈長優勢，立足產(chan)業(ye)(ye)鏈上下游、大中小(xiao)企(qi)(qi)業(ye)(ye)多元化金融需求，提升供應鏈金融服務(wu)管理(li)能力。

中化資(zi)本依托(tuo)于中國中化豐富的產業(ye)資(zi)源，通過探索產融(rong)(rong)結合底層(ceng)組(zu)織機制，整合旗下金融(rong)(rong)機構組(zu)建產融(rong)(rong)業(ye)務聯席服(fu)(fu)務團隊，打破(po)金融(rong)(rong)服(fu)(fu)務業(ye)務邊界，推(tui)進資(zi)產端(duan)、平臺(tai)端(duan)、資(zi)金端(duan)全流程(cheng)業(ye)務協(xie)同，打造多元化、多層(ceng)次的一站式(shi)產業(ye)金融(rong)(rong)綜合解決方(fang)案(an)服(fu)(fu)務平臺(tai)，持續創新產融(rong)(rong)協(xie)同模式(shi)，推(tui)進產融(rong)(rong)結合的深度(du)和廣度(du)。

旗下中國(guo)外貿(mao)信(xin)托與中化商(shang)務(wu)發(fa)揮各自業(ye)務(wu)優勢，推出“商(shang)務(wu)+金(jin)(jin)融”業(ye)務(wu)模式，為(wei)產(chan)業(ye)鏈(lian)客戶提(ti)供“采購咨詢(xun)+融資(zi)+租(zu)賃+貿(mao)易”的一體(ti)化服務(wu)解決方案；旗下中化商(shang)務(wu)與中化保(bao)(bao)理(li)(li)簽署(shu)框(kuang)架合作協(xie)(xie)議，協(xie)(xie)同(tong)推進(jin)“商(shang)務(wu)+保(bao)(bao)理(li)(li)”業(ye)務(wu)模式，為(wei)客戶提(ti)供供應鏈(lian)保(bao)(bao)理(li)(li)融資(zi)產(chan)品，提(ti)升客戶資(zi)金(jin)(jin)使用效率，增進(jin)產(chan)業(ye)鏈(lian)用戶粘性(xing)；旗下中國(guo)外貿(mao)信(xin)托與諾(nuo)安基金(jin)(jin)協(xie)(xie)同(tong)加強投(tou)研合作，聯合發(fa)揮各自投(tou)研團隊優勢，共同(tong)提(ti)升投(tou)資(zi)研究(jiu)能力及市場影(ying)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(hua)(hua)資本以(yi)“打造產業(ye)金(jin)融新生(sheng)態”為(wei)戰略引領(ling)，借(jie)助產業(ye)鏈(lian)上下(xia)游業(ye)務、資金(jin)等信息，發揮數據和服(fu)務支撐作用(yong)，旗下(xia)中(zhong)(zhong)化(hua)(hua)資本數科(ke)自主研(yan)發搭建“中(zhong)(zhong)化(hua)(hua)產融服(fu)務開(kai)放平臺”，精準(zhun)對接供應鏈(lian)實體企(qi)業(ye)，特別(bie)是(shi)中(zhong)(zhong)小企(qi)業(ye)在(zai)生(sheng)產、流通(tong)、交易(yi)等各環節的金(jin)融需求，提(ti)供優質高效供應鏈(lian)金(jin)融服(fu)務。

其(qi)核(he)(he)心是有(you)效鏈(lian)(lian)(lian)(lian)(lian)接(jie)(jie)產(chan)(chan)(chan)業(ye)(ye)(ye)端與資(zi)金端，將(jiang)產(chan)(chan)(chan)業(ye)(ye)(ye)鏈(lian)(lian)(lian)(lian)(lian)核(he)(he)心企(qi)(qi)業(ye)(ye)(ye)散落在各系統的(de)(de)交易、行(xing)為、資(zi)金等(deng)信(xin)(xin)息進(jin)行(xing)串聯整合分(fen)析(xi)，對產(chan)(chan)(chan)業(ye)(ye)(ye)鏈(lian)(lian)(lian)(lian)(lian)上(shang)(shang)中(zhong)下游客(ke)戶(hu)進(jin)行(xing)行(xing)為判斷、風險識別，通過場景分(fen)析(xi)與識別、風控(kong)建模(mo)(mo)與管理等(deng)方式(shi)，支(zhi)持對接(jie)(jie)外部(bu)產(chan)(chan)(chan)業(ye)(ye)(ye)場景，輸出(chu)產(chan)(chan)(chan)品與服(fu)(fu)務(wu)的(de)(de)同時將(jiang)外部(bu)客(ke)戶(hu)資(zi)源轉化(hua)為中(zhong)化(hua)上(shang)(shang)下游的(de)(de)一(yi)級或(huo)多(duo)級穿透客(ke)戶(hu)，搭建產(chan)(chan)(chan)融(rong)結合的(de)(de)可信(xin)(xin)交易鏈(lian)(lian)(lian)(lian)(lian)、可信(xin)(xin)行(xing)為鏈(lian)(lian)(lian)(lian)(lian)與可信(xin)(xin)資(zi)產(chan)(chan)(chan)鏈(lian)(lian)(lian)(lian)(lian)，以產(chan)(chan)(chan)業(ye)(ye)(ye)鏈(lian)(lian)(lian)(lian)(lian)真實數(shu)據資(zi)產(chan)(chan)(chan)對鏈(lian)(lian)(lian)(lian)(lian)上(shang)(shang)中(zhong)小企(qi)(qi)業(ye)(ye)(ye)進(jin)行(xing)信(xin)(xin)用背(bei)書(shu)，進(jin)而(er)實現(xian)中(zhong)化(hua)產(chan)(chan)(chan)業(ye)(ye)(ye)鏈(lian)(lian)(lian)(lian)(lian)縱向延(yan)伸，打造產(chan)(chan)(chan)業(ye)(ye)(ye)生(sheng)態(tai)閉(bi)環。通過供應(ying)鏈(lian)(lian)(lian)(lian)(lian)和金融(rong)綜合服(fu)(fu)務(wu)體系向產(chan)(chan)(chan)業(ye)(ye)(ye)鏈(lian)(lian)(lian)(lian)(lian)延(yan)伸，幫(bang)助核(he)(he)心企(qi)(qi)業(ye)(ye)(ye)沿產(chan)(chan)(chan)業(ye)(ye)(ye)鏈(lian)(lian)(lian)(lian)(lian)拓(tuo)展、服(fu)(fu)務(wu)鏈(lian)(lian)(lian)(lian)(lian)上(shang)(shang)中(zhong)小微企(qi)(qi)業(ye)(ye)(ye)，增強全鏈(lian)(lian)(lian)(lian)(lian)掌控(kong)力，營造全鏈(lian)(lian)(lian)(lian)(lian)大中(zhong)小企(qi)(qi)業(ye)(ye)(ye)協同串聯、融(rong)通發(fa)展的(de)(de)產(chan)(chan)(chan)業(ye)(ye)(ye)生(sheng)態(tai)。目前，平臺已形成以產(chan)(chan)(chan)業(ye)(ye)(ye)客(ke)戶(hu)端（貸動你）、核(he)(he)心企(qi)(qi)業(ye)(ye)(ye)端（載翼企(qi)(qi)）、智能展業(ye)(ye)(ye)工具(ju)（HAI鏈(lian)(lian)(lian)(lian)(lian)客(ke)）“三端閉(bi)環”模(mo)(mo)式(shi)。

此外，平臺實現了與(yu)信托(tuo)、銀行等金(jin)融機構的核心系統(tong)對接，通過對產(chan)(chan)業鏈交易行為數據的標準化分(fen)析(xi)與(yu)加工指標輸(shu)出，推(tui)動金(jin)融機構建立起基于數據驅動的產(chan)(chan)業鏈風控金(jin)融產(chan)(chan)品體系。

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(lian)上(shang)小微企業(ye)培優、扶強、助長步伐(fa)，中化(hua)資本所屬企業(ye)積極推動數(shu)字化(hua)轉型(xing)，為產(chan)業(ye)鏈(lian)不同場景和客戶群(qun)體(ti)搭建定制化(hua)產(chan)品(pin)體(ti)系(xi)，創(chuang)新出(chu)全(quan)線(xian)上(shang)、純(chun)信用、隨借隨還的供應(ying)鏈(lian)金融(rong)產(chan)品(pin)“數(shu)據訂單貸”。

“數據(ju)訂單(dan)貸(dai)”聚焦(jiao)服務中國(guo)中化(hua)核心主業上下(xia)游(you)中小微(wei)企(qi)(qi)業客(ke)(ke)(ke)戶(hu)需(xu)求(qiu)，基(ji)于產(chan)業鏈交易(yi)數據(ju)分析和(he)風(feng)控(kong)模(mo)(mo)型(xing)判(pan)斷，由內(nei)外部金融(rong)機構共同出資(zi)向核心企(qi)(qi)業下(xia)游(you)客(ke)(ke)(ke)戶(hu)發(fa)放，用于支付核心企(qi)(qi)業訂單(dan)采購款(kuan)(kuan)的純信用聯合貸(dai)款(kuan)(kuan)產(chan)品(pin)。結合核心企(qi)(qi)業產(chan)業特點(dian)、行業特征及(ji)產(chan)業鏈客(ke)(ke)(ke)戶(hu)群畫像，基(ji)于產(chan)業數據(ju)驅動創新金融(rong)服務產(chan)品(pin)客(ke)(ke)(ke)戶(hu)篩選模(mo)(mo)式、風(feng)控(kong)模(mo)(mo)型(xing)設(she)計標(biao)準(zhun)、產(chan)品(pin)研發(fa)設(she)計等，為產(chan)業鏈上下(xia)游(you)客(ke)(ke)(ke)戶(hu)訂單(dan)采購等重點(dian)環節引入(ru)融(rong)資(zi)等服務。該產(chan)品(pin)真正意(yi)義(yi)上實現了基(ji)于產(chan)業標(biao)準(zhun)評價客(ke)(ke)(ke)戶(hu)、配置(zhi)金融(rong)資(zi)源，助力核心企(qi)(qi)業解決“兩金”難(nan)題、激發(fa)客(ke)(ke)(ke)戶(hu)黏性，提高下(xia)游(you)企(qi)(qi)業資(zi)金可得(de)性難(nan)題。

以中(zhong)化(hua)化(hua)肥(fei)產(chan)業場(chang)景供(gong)(gong)應(ying)鏈(lian)金(jin)融服務為例。化(hua)肥(fei)行業產(chan)業鏈(lian)有著參與主體眾多、產(chan)業鏈(lian)下(xia)游(you)(you)(you)客(ke)(ke)戶(hu)無(wu)供(gong)(gong)信用(yong)(yong)自證等(deng)(deng)特點，傳統(tong)金(jin)融機構(gou)難以有效解決(jue)該(gai)行業長期存在的(de)信息不對稱、信息驗(yan)真成本(ben)高等(deng)(deng)難題。中(zhong)化(hua)資(zi)本(ben)數(shu)科深入調(diao)研中(zhong)化(hua)化(hua)肥(fei)產(chan)業鏈(lian)條交(jiao)(jiao)易(yi)特點及供(gong)(gong)應(ying)鏈(lian)金(jin)融服務需求(qiu)，基于下(xia)游(you)(you)(you)客(ke)(ke)戶(hu)與中(zhong)化(hua)化(hua)肥(fei)交(jiao)(jiao)易(yi)數(shu)據，專項(xiang)為下(xia)游(you)(you)(you)客(ke)(ke)戶(hu)采購的(de)資(zi)金(jin)需求(qiu)提供(gong)(gong)純信用(yong)(yong)流動資(zi)金(jin)信貸。該(gai)產(chan)品對下(xia)游(you)(you)(you)客(ke)(ke)戶(hu)，具有無(wu)抵押無(wu)擔(dan)保、純信用(yong)(yong)、全線上操作、隨借(jie)隨還、用(yong)(yong)途特定、手續簡便(bian)等(deng)(deng)特點。對鏈(lian)上核心企(qi)業而言(yan)，可提高資(zi)金(jin)周轉率、優(you)化(hua)財(cai)務數(shu)據、壓降兩(liang)金(jin)規模、增進下(xia)游(you)(you)(you)企(qi)業粘性等(deng)(deng)優(you)勢。

截至目前(qian)，數據訂單貸(dai)(dai)涵蓋(gai)了化(hua)(hua)肥、種業(ye)(ye)(ye)、新材料、橡膠輪胎等(deng)多行業(ye)(ye)(ye)板(ban)塊的金融風控模(mo)型及(ji)產品(pin)(pin)體系，已(yi)落(luo)地“化(hua)(hua)塑貸(dai)(dai)”“肥易貸(dai)(dai)”“壹化(hua)(hua)白條”“實(shi)華惠易貸(dai)(dai)”“輕松貸(dai)(dai)”等(deng)多款(kuan)鏈(lian)條產品(pin)(pin)，業(ye)(ye)(ye)務(wu)范圍覆(fu)(fu)蓋(gai)全國(guo)16個省市，累計(ji)授信額度(du)超2.6億元，預計(ji)明年(nian)實(shi)現(xian)中國(guo)中化(hua)(hua)內部核心企業(ye)(ye)(ye)全覆(fu)(fu)蓋(gai)。

經驗一：協同創新 賦能全鏈企業推進產融協同

從中(zhong)化(hua)產融(rong)(rong)服(fu)(fu)務(wu)(wu)開放平臺(tai)、數(shu)(shu)據訂單貸產品(pin)的構思(si)到創設，再(zai)到項目試點(dian)和(he)推(tui)廣，中(zhong)化(hua)資本始終堅持(chi)“科技(ji)賦能(neng)(neng)金融(rong)(rong)、金融(rong)(rong)服(fu)(fu)務(wu)(wu)產業(ye)(ye)(ye)(ye)(ye)”的思(si)路(lu)，搭建(jian)起“產業(ye)(ye)(ye)(ye)(ye)+金融(rong)(rong)+科技(ji)”的密(mi)切合作(zuo)路(lu)徑，共同為產業(ye)(ye)(ye)(ye)(ye)鏈賦能(neng)(neng)。產業(ye)(ye)(ye)(ye)(ye)端的鏈上核心(xin)企業(ye)(ye)(ye)(ye)(ye)，負責交(jiao)易數(shu)(shu)據提(ti)(ti)供，發揮懂產業(ye)(ye)(ye)(ye)(ye)、懂市場、懂客戶優勢，針對(dui)行業(ye)(ye)(ye)(ye)(ye)趨(qu)勢、產業(ye)(ye)(ye)(ye)(ye)政策(ce)、市場環境(jing)等(deng)系(xi)統性風險，提(ti)(ti)供產業(ye)(ye)(ye)(ye)(ye)專(zhuan)家意見、協同發揮產業(ye)(ye)(ye)(ye)(ye)優勢。金融(rong)(rong)科技(ji)公司作(zuo)為金融(rong)(rong)科技(ji)提(ti)(ti)供方(fang)，利(li)用金融(rong)(rong)端的科技(ji)創新手段，提(ti)(ti)升全鏈在科技(ji)、風控(kong)、合規等(deng)方(fang)面(mian)的核心(xin)業(ye)(ye)(ye)(ye)(ye)務(wu)(wu)能(neng)(neng)力。金融(rong)(rong)機構作(zuo)為金融(rong)(rong)服(fu)(fu)務(wu)(wu)提(ti)(ti)供方(fang)，圍繞產業(ye)(ye)(ye)(ye)(ye)需求(qiu)，通過創新模式(shi)與產品(pin)，負責最終提(ti)(ti)供一體化(hua)金融(rong)(rong)服(fu)(fu)務(wu)(wu)方(fang)案。

經驗二：金融科技 為產業融資難提供破題之策

“產(chan)(chan)融服務開放平(ping)臺”是(shi)中(zhong)化資本“十四五”規劃中(zhong)科技(ji)與數字化專項規劃的(de)(de)重(zhong)點項目，而“數據訂單貸”是(shi)產(chan)(chan)融服務開放平(ping)臺重(zhong)點創新(xin)(xin)推(tui)出的(de)(de)首(shou)款金融產(chan)(chan)品，兩(liang)者均是(shi)對(dui)傳統信貸產(chan)(chan)品的(de)(de)創新(xin)(xin)和(he)升級(ji)。其(qi)該產(chan)(chan)品突破(po)性地解決了產(chan)(chan)業(ye)鏈條(tiao)上小微(wei)客(ke)戶(hu)(hu)資金可得(de)性困境，尤其(qi)是(shi)下游的(de)(de)民營(ying)企業(ye)和(he)小微(wei)客(ke)戶(hu)(hu)難以得(de)到有(you)效(xiao)資金支持問題，有(you)效(xiao)支撐了小微(wei)企業(ye)客(ke)戶(hu)(hu)急、短(duan)、頻的(de)(de)用款需(xu)求，其(qi)業(ye)務內核是(shi)建立在業(ye)務全面數字化基(ji)礎上、基(ji)于大數據風控(kong)模(mo)型等(deng)現代科技(ji)手段(duan)的(de)(de)金融創新(xin)(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(zi)(zi)本打(da)造出以產(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)核心(xin)(xin)企業(ye)(ye)(ye)(ye)(ye)為節(jie)點，鏈(lian)上中(zhong)小微企業(ye)(ye)(ye)(ye)(ye)為要(yao)素的(de)融(rong)通(tong)(tong)發展(zhan)產(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)生態。一是通(tong)(tong)過(guo)幫助中(zhong)國(guo)中(zhong)化核心(xin)(xin)企業(ye)(ye)(ye)(ye)(ye)解(jie)決產(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)下游客(ke)(ke)戶(hu)(hu)的(de)融(rong)資(zi)(zi)需求，穩定其銷(xiao)售渠道，提前綁定下游客(ke)(ke)戶(hu)(hu)。二是通(tong)(tong)過(guo)高效匹配金融(rong)資(zi)(zi)源助力新客(ke)(ke)戶(hu)(hu)采購中(zhong)化產(chan)(chan)(chan)品(pin)，助力核心(xin)(xin)企業(ye)(ye)(ye)(ye)(ye)提高市場占有率。三是通(tong)(tong)過(guo)逐(zhu)步將創新產(chan)(chan)(chan)品(pin)和模(mo)式推廣(guang)到與產(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)存在緊(jin)密(mi)耦(ou)合關(guan)系(xi)的(de)外部(bu)場景(jing)，使(shi)金融(rong)服務扎扎實(shi)實(shi)拓展(zhan)延伸至產(chan)(chan)(chan)業(ye)(ye)(ye)(ye)(ye)鏈(lian)的(de)最后一公(gong)里。

【責任編輯：溫存】