How Jiujiang Bank’s Integrated Digital Platform Transforms Industrial Finance

1. Platform Overview: A Key Breakthrough for Digital Banking

Jiujiang Bank built an "Industrial Finance Comprehensive Service Platform" (the "Platform") that combines financing, settlement, risk control, and information sharing into a single digital system. The goal is to improve coordination across the industrial chain, break information silos, and enable real‑time, data‑driven decision‑making for both banks and enterprises.

2. Core Modules

Transaction Service Platform offers industry news, online procurement and sales, precise warehousing and logistics resources, and financing application services for industrial customers, while providing back‑office, operations, and risk‑management tools for platform operators.

Financial Service Platform creates a bridge between customers and capital providers, delivering account services, payment settlement, credit management, loan approval, and post‑loan services.

By integrating these two modules, the Platform delivers end‑to‑end, lifecycle‑wide financial support—from online trading and integrated warehousing to inventory financing—helping enterprises secure raw materials, expand sales channels, and obtain financing while ensuring transaction safety.

3. Technological Innovation and Digital Upgrade

The Platform leverages knowledge graphs, big‑data analytics, credit‑scoring algorithms, and machine‑learning models to digitize the entire credit workflow. It constructs a unified supply‑chain scenario that incorporates smart farms, warehouses, and logistics, linking real‑world trade data with systems such as the Nine‑Fusion data intake, CARS reporting, core credit processing, and electronic signature services.

The system architecture consists of five layers: Channel, Product Service, Risk Decision, Data Service, and Technology Service. Each layer collaborates to provide comprehensive, efficient, and secure industrial‑finance services.

4. Full‑Process Digital Credit Management

The Platform digitizes pre‑loan research, credit approval, in‑loan monitoring, and post‑loan management, enabling real‑time monitoring and intelligent decision‑making. By sharing data across upstream and downstream enterprises, it integrates commercial, logistics, fund, and information flows, dramatically improving operational efficiency and transparency while reducing manual errors and cycle times.

5. Risk Decision and Intelligent Credit Allocation

Using external data sources (credit reports, tax records, judicial information) and an internal data warehouse, the Platform builds multi‑dimensional risk‑assessment models. These models generate comprehensive risk portraits for enterprises, enhancing the scientific basis of credit decisions.

Artificial intelligence and machine‑learning algorithms continuously scan enterprise data, automatically adjust credit limits and risk grades, and shift credit evaluation from a single‑company focus to an entire industry‑chain perspective, lowering financing costs for SMEs and expanding credit supply.

6. Impact on Regional Economic Development

By December 2024, the Platform supported over 5,000 enterprises with a total industrial‑finance credit balance exceeding 568 billion CNY, including more than 100 billion CNY dedicated to the "9610" project in Jiujiang. This precise financial support has accelerated the growth of local key industries and deepened the "industry‑finance" integration model.

7. Future Outlook

Jiujiang Bank plans to increase technology‑innovation investment, refine the Platform, and expand digital solutions to additional industry scenarios. Continued collaboration with local governments and supply‑chain partners aims to deliver ever more precise, efficient, and innovative financial services, driving high‑quality regional economic development.