創(chuàng)新拓客戶 “樂鏈”聯(lián)城鄉(xiāng) 三江農(nóng)商銀行創(chuàng)新供應(yīng)鏈金融產(chǎn)品

2019-02-13 16:51:01    來源：   作者：  點擊數(shù)：

為進一步提升城區(qū)機構(gòu)競爭力，近日，三江農(nóng)商銀行創(chuàng)新推出“樂鏈+”普惠金融B2B供應(yīng)鏈信貸產(chǎn)品，首批運用于通訊行業(yè)。三江農(nóng)商銀行利用位于城區(qū)的區(qū)位和資源優(yōu)勢，對遍布農(nóng)村的樂山電信下游代理商輸出信貸資源，發(fā)放B2B平臺采購信用貸款，實現(xiàn)以城補鄉(xiāng)、城鄉(xiāng)聯(lián)動，解決通訊行業(yè)小微企業(yè)融資難、融資貴難題，不斷滿足城鄉(xiāng)居民消費金融需求，批量鏈?zhǔn)綘I銷存貸款等綜合業(yè)務(wù)。

上下齊聯(lián)動  精準(zhǔn)引客戶

三江農(nóng)商銀行作為營銷主體，抓核心、造生態(tài)、做批量，成功營銷中國電信樂山分公司；行領(lǐng)導(dǎo)主動出擊，營銷樂山市中小企業(yè)服務(wù)中心；前臺部門對標(biāo)學(xué)習(xí)，成功引進樂山翼加供應(yīng)鏈有限公司。該行通過中國電信樂山分公司獲取下上游的經(jīng)營數(shù)據(jù)，進行還款能力分析和授信額度測算，將下游小微客戶結(jié)算賬戶變更為在三江農(nóng)商銀行開立的銀行卡賬戶并進行實時監(jiān)控，通過電商平臺與銀行進行系統(tǒng)對接，以平臺訂單觸發(fā)貸款發(fā)放并自動受托支付，確保了交易的確定性和資金的封閉性。根據(jù)客戶的真實交易情況，還可對不同客戶精準(zhǔn)營銷不同金融產(chǎn)品，促進銀行普惠金融的商業(yè)可持續(xù)化。

普惠助小微  合作出效益

三江農(nóng)商銀行為解決下游小微企業(yè)融資難、融資貴難題，施行“賣家付費、平臺貼息”模式，下游買家在1個月循環(huán)用款周期內(nèi)實際享受0利息純信用授信，降低了其經(jīng)營成本，緩解了上游批發(fā)商的資金壓力。并通過營銷一個項目，綜合獲取一批客戶，綜合批量辦理一批業(yè)務(wù)，實現(xiàn)綜合效益的提升。截至1月25日，該行支持電信下游門店530余家，批量授信“樂鏈-通訊貸”345戶、授信金額4374萬元，新開銀行卡300余張，新增手機銀行、網(wǎng)銀、短信通知業(yè)務(wù)350余戶。

持續(xù)可發(fā)展  合作創(chuàng)未來

三江農(nóng)商銀行在固化通訊行業(yè)供應(yīng)鏈金融項目經(jīng)驗的基礎(chǔ)上，縱向可實現(xiàn)樂山農(nóng)信社轄內(nèi)行社快速推廣，橫向可實現(xiàn)鄉(xiāng)村振興新型農(nóng)業(yè)等其他行業(yè)迅速復(fù)制。目前，該行已啟動了醫(yī)藥、農(nóng)資行業(yè)的橫向拓展；通過深挖合作預(yù)計將帶來800戶新客戶綜合業(yè)務(wù)，營銷電信1.2萬戶“好碼齊”聚合支付用戶綁定三江農(nóng)商銀行銀行賬戶。該行將以“樂鏈+不同區(qū)域化產(chǎn)業(yè)行業(yè)”為抓手，構(gòu)建批量、主動、平臺化服務(wù)的金融生態(tài)圈體系，以供應(yīng)鏈實現(xiàn)資源由城區(qū)向農(nóng)村的輸送，聯(lián)動城鄉(xiāng)發(fā)展，踐行作為地方金融機構(gòu)踐行普惠金融、服務(wù)實體經(jīng)濟、支持民營和小微企業(yè)的責(zé)任擔(dān)當(dāng)。（童麗娟 魏民）

 

 

責(zé)任編輯：FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvst43_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$FastClassBySpringCGLIB$$48520056.invoke() at org.springframework.cglib.proxy.MethodProxy.invoke(MethodProxy.java:204) at org.springframework.aop.framework.CglibAopProxy$CglibMethodInvocation.invokeJoinpoint(CglibAopProxy.java:700) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:150) at org.springframework.transaction.interceptor.TransactionInterceptor$1.proceedWithInvocation(TransactionInterceptor.java:96) at org.springframework.transaction.interceptor.TransactionAspectSupport.invokeWithinTransaction(TransactionAspectSupport.java:260) at org.springframework.transaction.interceptor.TransactionInterceptor.invoke(TransactionInterceptor.java:94) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:172) at org.springframework.aop.framework.CglibAopProxy$DynamicAdvisedInterceptor.intercept(CglibAopProxy.java:633) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$EnhancerBySpringCGLIB$$9500d33c.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor63729.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at org.springframework.web.bind.annotation.support.HandlerMethodInvoker.invokeHandlerMethod(HandlerMethodInvoker.java:176) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.invokeHandlerMethod(AnnotationMethodHandlerAdapter.java:440) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.handle(AnnotationMethodHandlerAdapter.java:428) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:919) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:851) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:953) at org.springframework.web.servlet.FrameworkServlet.doPost(FrameworkServlet.java:855) at javax.servlet.http.HttpServlet.service(HttpServlet.java:656) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:829) at javax.servlet.http.HttpServlet.service(HttpServlet.java:737) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:229) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.web.websocket.server.WsFilter.doFilter(WsFilter.java:48) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:230) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.ieccms.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:35) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.webtier.core.DefaultWrapperValve.invoke(DefaultWrapperValve.java:193) at com.bes.enterprise.webtier.core.DefaultContextValve.invoke(DefaultContextValve.java:92) at com.bes.enterprise.webext.BesContextCleanupValve.invoke(BesContextCleanupValve.java:50) at com.bes.enterprise.webext.BESAppservValve.invoke(BESAppservValve.java:41) at com.bes.enterprise.webtier.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:540) at com.bes.enterprise.webtier.core.DefaultHostValve.invoke(DefaultHostValve.java:136) at com.bes.enterprise.webtier.valves.ErrorReportValve.invoke(ErrorReportValve.java:77) at com.bes.enterprise.webtier.core.DefaultEngineValve.invoke(DefaultEngineValve.java:83) at com.bes.enterprise.webtier.connector.CoyoteAdapter.service(CoyoteAdapter.java:349) at com.bes.enterprise.web.crane.http11.Http11Processor.service(Http11Processor.java:594) at com.bes.enterprise.web.crane.AbstractProcessorLight.process(AbstractProcessorLight.java:61) at com.bes.enterprise.web.crane.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:802) at com.bes.enterprise.web.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1627) at com.bes.enterprise.web.util.net.SocketProcessorBase.run(SocketProcessorBase.java:45) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624) at com.bes.enterprise.web.util.threads.WorkThread$WrappingRunnable.run(WorkThread.java:57) at java.lang.Thread.run(Thread.java:748) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor62895.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:912) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:275) at freemarker.ext.beans.BeanModel.get(BeanModel.java:182) ... 75 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [com.ieccms.cms.entity.main.CmsUser#305] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:435) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:189) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:182) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:215) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at com.ieccms.cms.entity.main.CmsUser_$$_jvst43_6.getRealname(CmsUser_$$_jvst43_6.java) ... 81 more