各類企業獲得線下跨境融資4000萬美元，多家企業上鏈，涉及貨值4億多元……這是中歐e單通運行1年半以來的成績單。作為全國首個基於中歐班列多式聯運“一單制”的跨境區塊鏈平台，中歐e單通4月1日正式升級為2.0版本，將推動中歐班列沿線貿易金融暢通，實現小微外貿企業金融的可獲得性。
As the country's first “one-size” cross-border segmental platform, based on the multi-modal “one-size” operation in Central Europe, the official upgrade of Central Europe to version 2.0 on April 1, will boost the financial liquidity of Central Europe and Europe along the lines of trade facilitation and the availability of microfinance.
“中歐e單通2.0版是工商銀行持續推動區塊鏈技術在中歐班列等跨境經貿領域的又一次創新探索，升級后，中歐e單通將‘一單制’單據線上簽發和‘外貿e貸’兩大功能一並投產，企業登錄平台或四川單一窗口即可查詢授信，線上提款秒到賬。”中國工商銀行四川省分行國際業務部總經理陳燕玲介紹，2019年，工商銀行為中歐班列量身打造了區塊鏈平台“中歐e單通”。
“The Central European e-Simple 2.0 version is yet another innovation of the business bank’s continuous promotion of the sector chain technology in cross-border trade zones, such as Central Europe’s Banje. Upon upgrading, Central Europe’s e-Simple launched two functions, one-size-fits-all, and the other ‘Extratrade Loans’, which can be accessed by the Enterprise’s entry platform or Sichuan single window. The Bank of China’s Chamber of Commerce and Industry’s Sichuan branch’s head of the International Department of Industry and Commerce, Chen Lingsung Chen, created a regional chain platform for Central Europe’s team in 2019.
此次升級為2.0版本后，增加的“外貿e貸”功能將利用平台上“一單制”單據的簽發數據結合中國工商銀行的內部大數據以及其它可靠數據來源，運用區塊鏈、大數據OCR、API、數字認証等技術，針對小微外貿企業經營特點、跨境物流、資金路徑，為企業進行“多信息畫像”，從而核定一個融資額度，企業無需另外提供擔保抵押，就可以根據需要來自行提款和還款，具有“純信用、全線上、隨借隨還、利率低”等特點，不僅適用於使用中歐班列的沿線企業，也延伸惠及具有真實跨境貿易的省內所有小微外貿企業。目前，德陽某進出口企業已提款首筆“外貿e貸”300萬元。
With this upgrade to version 2.0, the added “foreign-trade-e-lending” feature will combine the internal bulk data of the Chinese Bank of Commerce and Industry with other reliable data sources, using such techniques as chain chains, big-data OCRs, API, digital identification techniques, specializing in micro- and small-scale trade enterprises, cross-border logistics, financial access, and “multi-information portraits” for businesses, from which an allowance would be approved, without additional collateral, and with the possibility of self-financing and repayment, depending on the need, not only to use small- and medium-European-class line businesses, but also to benefit all micro and foreign businesses in a province with real cross-border access.
中歐e單通是一項改寫陸鐵貿易金融屬性的探索，有利於加快我省數字化發展，打造數字經濟新優勢，協同推進產業數字化轉型。去年，平台實現了眉山地區數據上鏈核碰和德陽地區大宗商品跨境人民幣融資業務上鏈，“中歐e單通”已日漸成為貫通成德眉資同城化、助推成渝地區雙城經濟圈建設的金融創新抓手。（四川日報全媒體記者陳昊）
In the past year, the platform has created a link between the data uplinks in Myeongsan and the cross-border People’s Dollars (PPRs) for major goods in Deyang District, and “CMEC” has become a new source of financial innovation that has led to the creation of a multi-city economic community in the region. (Sichuan Journal Reporter Chen)
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