Shulou(Shulou.com)11/24 Report--

On October 12, Tencent's enterprise credit solution for digital RMB intelligent contracts was launched at the China (Beijing) Digital Finance Forum. The Tencent Digital RMB Project is jointly operated by Tenpay and WeBank. Under the guidance of the Institute of Digital currency of the people's Bank of China, the Tencent Digital RMB Project team customized and developed the program for WeBank small and micro enterprise customers. In the follow-up, on the basis of smooth operation, we will join hands with more commercial banks and industry partners to expand the scope of application and help the promotion and application of digital RMB.

Based on this scheme, commercial banks can accurately track the whereabouts of loan funds, and the relevant records can not be forged or tampered with, which is helpful to avoid the flow of funds into areas such as gambling, real estate speculation, stock financing and other areas that do not match the use of the loan application. At the same time, through the intelligent contract analysis of safety, compliance and other multi-dimensional information, commercial banks also further enhance the ability to provide accurate support such as preferential interest rates.

Take the customers of WeBank's small and medium-sized enterprises as an example. Through WeBank's corporate finance APP, Wechat official account and other channels, the enterprise authorizes the bank to inquire about the information to apply for the micro-business loan. After the bank examination and approval, the enterprise can easily transfer the funds online to the digital RMB-to-public wallet of other enterprises, such as the recipient is the core enterprise of the industry chain approved by WeBank, and the micro-industry loan customers can get the corresponding preferential interest rate. It further reduces the financing cost of enterprises.

The intelligent contract is executed by the operator as the trusted code, which automatically processes the payment transaction based on the conditions and rules agreed by both parties in advance, effectively improves the security and credibility of the transaction, and saves tedious processes such as manual review. improve the efficiency of supply chain financial capital flow.

The application of digital RMB intelligent contract in supply chain credit further expands the application scenario of digital RMB. This solution aims at the pain points such as opaque capital flow, asymmetric information and long approval time in supply chain finance. improve operational efficiency, use financial technology to improve the financing efficiency of small and medium-sized enterprises, and serve the development of the real economy.

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