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Posted by: ZhangAlix
« on: July 16, 2023, 12:00:29 PM »

京东科技李波:创新打造 “双链联动” 模式,京东供应链金融科技服务多产业的实践

2023-07-05
      
近日,由人民日报出版社、金融科技 50 人论坛共同出品的《中国产业链韧性:金融的力量》新书问世,聚集学界、监管层专家学者以及行业从业代表的理论与实践思考,从不同视角探究和解读产业链金融,并结合典型产业的运行实践,寻找新发展格局下金融创新和服务实体经济的最优路径,努力构建数字经济与数字金融有效融合的新模式。作为集供应链科技与金融科技于一体的综合服务商,京东供应链金融科技受邀参与该书在产业实践方面的重要篇章撰写。京东集团副总裁、京东科技金融科技事业部总裁李波结合供应链金融在多个行业的产业需求,以及科技平台在供应链金融生态中的链接价值,撰写的《创新打造 “双链联动” 模式 供应链金融科技服务多行业》一文被收录。
供应链金融科技是产业数字化的 “关键之匙”
李波在文章中指出,供应链金融科技是产业数字化的 “关键之匙”,是产业数字化的最优解之一,往往也是实体企业进行产业数字化的第一站。做好供应链金融科技,才能真正让自身的 “四流” 打通,运营效率提升,并化解产业链上下游中小微企业的融资难题。
李波认为,从核心企业角度看,供应链金融科技对供应链核心企业的意义不仅在于为其提供金融服务或信贷资源,通过供应链金融在供应链中与各环节的连接关系,打通核心企业与其他参与者之间的信息壁垒,改善核心企业与其他主体之间的合作和连接方式,并将核心企业的资源能力输出给这些主体,提高它们的经营管理水平与业务质量。对供应链的信息获取从滞后到及时,从不透明到透明,对整个供应链链条风险识别的有效性大幅提升。
从产业上下游中小企业角度看,产业内除核心企业之外的其他利益相关者主要是中小企业,它们往往面临高融资需求与低融资能力之间的矛盾。现在它们可以借助供应链金融科技连接核心企业,实现业务活动与管理活动的数字化,提高经营管理效率,降低经营决策难度;同时,依据数字化带来的高信息透明度,获得信用、贷款等金融资源支持,使其化解自身融资能力不足造成的发展束缚与障碍。
从金融机构角度看,供应链金融科技作为金融科技解决方案提供商,解决了金融机构缺少精细、多维度数据资源能力的难题。
京东供应链金融科技打造全链路产品并对外输出
京东供应链金融科技深耕金融科技近 10 年,基于在京东数智供应链的整体实践锤炼了丰富的经验。比如早在 2013 年,京东供应链金融科技就推出了第一款基于互联网的供应链金融数字化产品——京保贝,通过池保理的业务模式,创造了分钟级到账、随借随还的产品体验。十年来,京保贝已累计为京东自营供应商提供了超 7300 亿的循环资金支持,是商业保理全行业中单款业务量最大的保理产品。
以京保贝为基,京东供应链金融科技在十年间陆续推出了服务于上下游的全产业链、全产品链、全场景产品与服务。在生产环节,针对原材料,资源供应商及贸易商、生产资料和零部件制造商等上游企业的信用流转、保理融资、银票秒贴、商票速融等产品,可帮助原材料供应商快速回款;在商品流通环节,针对核心企业的融资租赁产品,可帮助盘活固定资产;针对下游企业各级分销商、物流商、服务商的采购融资、未来货权融资等产品,可服务于经销商的采购垫资需求,动产融资产品可服务于经销商在存货环节的融资需求;面对终端零售的店铺,京小贷、企业主贷等产品,可为商户提供基于信用的贷款,以及通过信用分期的产品,帮助商家拓展新用户群体,刺激交易额提升。

李波表示,京东科技在 2022 年将供应链金融科技的输出列为必赢之战,成为京东的重要战略方向之一。京东供应链金融科技将多年实践所沉淀的技术、模型、算法、工具充分解耦,积木化拼装,并进行产品化和标准化,形成 “数智供应链+供应链金融” 的双链联动模式,从对内服务向对外输出系统平台进行升级,助力核心企业实现数字化转型,以及产业链上的中小微企业高效便捷解决融资难题。
京东供应链金融科技助力产融结合
面对核心企业,通过供应链金融科技平台的搭建,可以深入核心企业的产业链条中,打破数据孤岛,解决 “四流” 合一的问题。同时通过本地化部署的模式,能够有效地缓解核心企业对于数据安全的顾虑。以酒类产业链的核心企业之古井贡酒为例,京东科技通过为其搭建供应链金融科技服务平台,有效打通了数据链条,从古井集团穿透到一级经销商再穿透到二级经销商,能够让这些终端门店基于和古井贡酒的供应链条数据和信息流,从金融机构拿到融资贷款,极大提高了融资可获得率。
面向金融机构,供应链金融科技平台可以提供系统搭建和运营支持。以服务中海信托为例,京东科技以下游采购融资系统模块先期切入,搭建供应链金融服务平台,并结合整体京东科技的风控能力、征信服务能力、资金资产对接能力,以订单和历史交易数据为基础,为海油商城的下游经销商提供高效便捷的金融服务,满足其经销商获得及时贷款的需求,从而解决短期资金周转的难题。这个系统有效帮助中海信托拓展了资产类别,与此同时也有效助力整体产业链管理效能提升 63.5%。
李波认为,供应链金融科技是当下产业数字化的最佳选择之一,是大量企业产业数字化的第一站。供应链金融科技能够提升产业上下游资源配置效率,助力中小企业解决融资难融资贵的传统难题。这对于加快建设现代化经济体系、实现中国式现代化具有重要意义。
(推广)
来源:新华财经

Source: 京东科技李波:创新打造 “双链联动” 模式,京东供应链金融科技服务多产业的实践

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