Xiamen International Bank Xiamen Branch: Precise Focus on Supply Chain Finance to Improve Service Quality and Efficiency for the Real Economy

A stable supply chain leads to a stable economy, and smooth capital flow promotes industry prosperity. Xiamen International Bank Xiamen Branch remains committed to serving the real economy, supported by financial technology and product innovation. The branch continues to deepen its efforts in supply chain finance, precisely addressing funding bottlenecks across the industry chain. By 2025, the Xiamen Branch has provided over 2.1 billion yuan in financing support in supply chain finance, effectively guiding financial resources to precisely nourish the industry chain and building a new ecosystem of collaborative, mutually beneficial industry finance with core enterprises and small and micro businesses.

Product Matrix Focuses Precisely, Full-Process Closed-Loop Solves Financing Difficulties

“Previously, we had to seek funds from various sources for procurement, which was cumbersome and took a long time. Now, with Xiamen International Bank’s dedicated financing solutions, these funding issues are effectively resolved, making operations smoother,” said a downstream distributor who successfully obtained financing support. This change is thanks to the carefully crafted supply chain finance product matrix by Xiamen International Bank Xiamen Branch.

To address financing pain points at each link of the industry chain, the branch actively promotes the “Guo Hang Chain e-Rong” product scheme, relying on financial technology to provide fully online, automated accounts receivable financing services for upstream suppliers of core enterprises, enabling efficient credit sharing along the chain. For downstream distributors, the bank innovatively launched the “Prepayment Financing” product to precisely alleviate their procurement funding pressures, complemented by “Order Financing” services that support suppliers’ production costs based on real order contracts, forming a full-process closed-loop financial solution covering “Order-Production-Delivery-Repayment.” From upstream suppliers to downstream distributors, from accounts receivable and order financing to prepayment support, this comprehensive approach precisely meets the financing needs of each link in the industry chain.

Technology Empowerment Enhances Quality and Efficiency, Online Intelligent Service Model Reimagined

The core challenge of supply chain finance lies in balancing efficiency and risk. Xiamen International Bank Xiamen Branch’s solution is to deeply integrate big data, blockchain, and artificial intelligence technologies to create an online comprehensive supply chain finance service platform.

According to a bank official, the platform connects directly with core enterprise systems to build multi-dimensional dynamic risk control models, enabling full-process online and intelligent management of customer onboarding, credit approval, disbursement, and post-loan management. The “Scenario + Industry Chain” insights allow financial services to seamlessly embed into trade processes, moving beyond simple lending to provide precise support throughout production and operations. Under this model, traditional cumbersome credit procedures are replaced by one-click online operations, significantly improving service efficiency and strengthening risk identification capabilities, thus safeguarding the stable operation of the industry chain.

Precise Support for Livelihoods, Co-creating a Win-Win Industry Ecosystem

A certain instant retail platform and its upstream and downstream ecosystem exemplify the practical application of supply chain finance services by Xiamen International Bank Xiamen Branch. The platform gathers hundreds of food processing and fresh produce companies, many facing challenges of “asset-light, difficult financing.”

The branch precisely utilizes the “Chain e-Rong” product to activate accounts receivable, supporting procurement and production through “Order Financing,” which not only ensures the stability and flexibility of the platform’s supply chain but also delivers financial resources directly to the end of the industry chain. Today, a virtuous cycle of “financial empowerment of industry, industry feeding back to finance” has taken shape, helping small and micro enterprises overcome urgent difficulties while continuously enhancing the resilience of core enterprise supply chains.

From product innovation to technological empowerment, from precise matching to ecosystem co-building, Xiamen International Bank Xiamen Branch leverages supply chain finance as a fulcrum to drive high-quality industry development. In the future, the branch will continue to deepen industry scenarios, use financial technology as a driving force, explore new paths for bank-enterprise collaboration, and contribute more solid financial strength to regional economic vitality.

(Edited by: Jiang Yongdan)

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