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电话:2025 舟山市(岱山县、嵊泗县、普陀区、定海区)
内蒙古自治区
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大兴安岭地区(呼玛县、塔河县、漠河市)
黄山市(黄山区、黟县、徽州区、祁门县、歙县、屯溪区、休宁县)
泰州市(兴化市、泰兴市、海陵区、姜堰区、高港区、靖江市)
克孜勒苏柯尔克孜自治州(乌恰县、阿图什市、阿克陶县、阿合奇县)
汕头市(金平区、澄海区、南澳县、濠江区、潮南区、潮阳区、龙湖区)
六盘水市(水城区、盘州市、钟山区、六枝特区)
银川市(西夏区、兴庆区、灵武市、金凤区、永宁县、贺兰县)
澳门特别行政区
牡丹江市(林口县、海林市、西安区、东宁市、宁安市、东安区、绥芬河市、穆棱市、爱民区、阳明区)

  为助力企业构建安全高效的供应链金融生态,中国邮政储蓄银行依托中国人民银行数字货币研究所核心技术,正式推出基于数字人民币智能合约的供应链融资服务,并在福建成功落地行内首笔业务。该服务创新通过智能合约技术重塑资金管理模式,为产业链上下游企业提供更智能、更安全的融资解决方案。

  数字人民币智能合约(以下简称“智能合约”)是指基于数字人民币的可编程特性,通过预设条件与规则实现自动化支付交易。智能合约应用于供应链金融具备三大核心优势:一是定向支付,实现资金闭环管理。智能合约可预设资金用途、交易对象及支付条件,在供应链融资还款场景下,可限定买方回款用于归还上游供应商保理融资,有效防范资金挪用风险。二是自动化执行,减少人工干预。智能合约可自动触发放款、还款等操作,提高业务办理时效,降低人工操作风险。三是实现“三流合一”管控,降低产业链资金管理成本。利用智能合约技术,可实现对业务流、资金流、信息流要素的数字化穿透管理,高效满足企业财务管理的规范要求,构建起基于数字信任的产业协同新范式。

  邮储银行持续通过金融科技赋能业务提质增效,未来仍将持续探索挖掘智能合约的服务价值,进一步丰富拓展智能合约在数字供应链金融中的应用场景,为服务实体经济高质量发展提供有利支撑。

  来源:  邮储银行+

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