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    Xie Wen Of Standard Chartered Bank: Online And Digital Have Become New Growth Engines

    2020/10/1 14:36:00 0

    OnlineDigitalGrowthEngine

    On September 27, Xie Wen, executive director of the board of directors of Standard Chartered Bank (China) Co., Ltd., vice president of the head office and co managing director of the enterprise, financial institutions and Commercial Banking Department of Standard Chartered Bank (China) Co., Ltd., said at the "2020 annual meeting of intelligent manufacturing industry in China" sponsored by the 21st century economic report that online and digitalization have become the growth engine that cannot be ignored in the dual cycle development.

    "For the manufacturing industry, this not only means the change of distribution channels, but also the transformation and upgrading of the whole business form." Xie said.

    In the same period of last year, the proportion of online retail sales increased from 19.4% to 1.5% in the total retail sales of the whole country, accounting for 24.5% of the total retail sales in the same period of this year, which accounted for 1.5% of the total retail sales in China. In the first half of this year, China's total export value of goods trade was 7.71 trillion yuan, a year-on-year decrease of 3%, while the export growth rate of cross-border e-commerce in the first half of this year was 28.7%. Various data show that online channels have sprung up in the first half of this year.

    Online channel changes manufacturing format

    In her speech, Xie Wen thinks that there are two aspects to the change of online channel to manufacturing enterprises.

    First of all, manufacturing enterprises have accumulated a large number of first-hand user demand data by actively expanding online sales channels. Through the intelligent management of production and supply chain, we can improve the efficiency of production and supply chain.

    Secondly, e-commerce companies, which are always facing consumers and are extremely sensitive to market demand, timely grasp the new market trends, actively connect with the manufacturing industry, and design and manufacture more diversified, more personalized and more refined products.

    Therefore, Xie Wen believes that there are two main opportunities for the combination of e-commerce and manufacturing industry: one is to promote the digitization of manufacturing ecology, and to open up the information flow of supply, demand and production; the other is to make it possible to optimize the allocation of production resources in the supply chain in terms of time and space, so as to improve the overall efficiency of the entire industrial ecology.

    "Cross border e-commerce has sold made in China to all parts of the world. The accurate grasp of overseas demand also makes made in China more personalized, diversified and refined." Xie Wen said, "during the epidemic period, it is more obvious that made in China can not be replaced, so it is also an opportunity for e-commerce + manufacturing industry to go out together."

    "Double cycle" of financial empowerment

    When talking about how finance promotes the integration of e-commerce and manufacturing, Xie Wen pointed out three key tracks.

    First of all, digital, online and open financial services. The scene of customer transactions has gone from offline to online. All participants in the industrial ecosystem have formed information interconnection. Financial institutions also need to connect with enterprises and merchants in a more open form to complete financial services online. Finance embraces science and technology, creating a convenient, intelligent and scene based open financial service platform has become one of the main tracks.

    Secondly, focus on the financial services of the enterprise ecosystem. Relying on the capital, data, credit and other advantages of leading enterprises in the industrial chain, the real transaction background is reconstructed with data flow and information flow, and the reasonable allocation of capital and credit resources in the supply chain is optimized to revitalize the supply chain for enterprises.

    Finally, Standard Chartered is also very optimistic about the huge market potential of cross-border e-commerce, especially Guangdong, Hong Kong and Macao Bay area is the first echelon of cross-border e-commerce. Based on this, a set of solutions for cross-border e-commerce, such as platform type effectiveness, convenient foreign exchange, capital and financing services, is also a promising future track for Standard Chartered.

    In view of the challenges and difficulties in promoting the development of the manufacturing industry under the current situation, Xie Wen further analyzed and said: "from the official data, from January to August, the growth rate of Industrial Enterprises above designated size has turned from negative to positive. Although the overall trend is good, many industries and enterprises, especially small and medium-sized enterprises, are still faced with many difficulties, such as poor channels, slow return of funds and tight cash flow. This year's sharp increase in the market price and effective market risk management are also imminent

    According to these pain points, Standard Chartered Bank actively innovates and develops solutions. In terms of small and micro enterprises, Standard Chartered China has solved the two major problems of "asymmetric information" and "incomplete information" of loans for small and micro enterprises by means of online and offline combination of its own risk management experience accumulated for many years, supplemented by Internet data analysis. At present, its business has radiated to small and micro enterprises in more than 100 cities, and the lending speed has increased to the fastest within one day.

    In the aspect of supply chain finance, Standard Chartered Bank has cooperated with lianyirong, China's leading supply chain financial technology platform, to launch deep-seated supply chain financial services with blockchain as the underlying technology and relying on the credit of core enterprises, so that small and medium-sized enterprise suppliers in enterprise ecology can easily obtain financing. Recently, Standard Chartered China completed the supply chain financing lending and clearing business for the first time in the newly upgraded "Xunyi chain" platform of lianyirong, and continued to improve the ecosystem of online supply chain financing.

    In the field of cross-border finance, for small and medium-sized enterprises with high frequency of cross-border business and small amount of money, Standard Chartered and foreign exchange seeking jointly build the "Huie Da" intelligent foreign exchange payment solution, providing more than 130 kinds of currency purchase and payment services, and providing convenient and compliant services for enterprises with preferential and transparent rates.

    In the second quarter of this year, based on the contour Kangtuo platform jointly established by Standard Chartered, slag opened the world's first transnational block chain letter of credit denominated in offshore RMB. Under the background of poor international express delivery during the epidemic period, it solved the pain point of high dependence on paper documents in traditional trade finance, which not only provided support for the supply chain guarantee of Chinese enterprises, but also helped to promote people The internationalization of currency.

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