On August 28th, China Minsheng Banking Corp held its 2025 interim report performance conference. Deputy Governor Li Wenshi stated that the bank actively responds to national strategies and leverages Minsheng's financial capabilities in stabilizing, consolidating, and strengthening supply chains. The bank continues to deepen its focus in the supply chain finance sector while refining and optimizing its distinctive supply chain product system.
He emphasized that China Minsheng Banking Corp has established a coordinated service model featuring "one-point access, nationwide service," extending financial services from core enterprises to their upstream and downstream partners. This approach delivers online, standardized, and intelligent supply chain finance service experiences to numerous small and micro enterprises throughout the supply chain. By the end of the first half of the year, the bank's supply chain finance core enterprise deployments reached 5,372, representing an increase of 1,445 from the beginning of the year. Chain customers totaled 57,000, growing by 11,000 from year-end. Business balance reached 374.3 billion yuan, an increase of 63.9 billion yuan from the start of the year.
These achievements reflect the advantages and characteristics of Minsheng Bank's supply chain business, which can be summarized in two aspects: organizational model and business features.
Regarding organizational model, China Minsheng Banking Corp relies on specialized teams and chain leadership systems to advance supply chain business. The head office and branches have established cross-departmental supply chain finance specialized teams, breaking traditional departmental barriers through this mechanism to achieve efficient coordination among customer segments, products, and risk-related functions. Additionally, the bank designates chain leaders for key supply chain projects who serve as overall service managers, coordinating the collaborative development of entire chain operations.
In terms of business characteristics, the supply chain finance business features can be summarized in five aspects:
First, comprehensive product system. The bank has established a supply chain finance product system covering upstream suppliers and downstream distributors around core enterprises' entire supply, production, and sales processes. The Minsheng supply chain brand is beginning to gain market influence.
Second, deep industry understanding. The bank has deep expertise in traditional supply chain industries such as automotive, home appliances, and pharmaceuticals, while actively expanding into emerging sectors like smart manufacturing and AI chips. The bank adheres to a "one industry, one strategy" approach, creating industry-specific solutions.
Third, excellent nationwide coordination. The bank advocates for a supply chain finance coordinated service model featuring "one-point access, nationwide service." Through headquarters-led digital marketing strategies, all regional branches nationwide provide unified standards, unified models, and unified efficiency to jointly serve core enterprises' online customers.
Fourth, high operational efficiency. China Minsheng Banking Corp has established a centralized operations team at headquarters, using standardized operational processes to centrally handle and rapidly respond to service demands from small and micro enterprises on the chain. This has significantly improved customer financing application and loan disbursement service efficiency.
Fifth, fast model approval. Based on transaction data between upstream and downstream enterprises and core enterprises in supply chain finance, the bank has built intelligent credit approval models supporting automated approval within certain credit limits, focusing on enhancing service efficiency for e-commerce customers and standardizing risk control levels.