Beijing's First Digital Yuan Guaranteed Loan Successfully Issued
On September 30, a Shell Finance reporter learned that, guided by the National Financing Guarantee Fund, Beijing Re-guarantee Co., Ltd. facilitated the successful issuance of a digital yuan guaranteed loan by Guohua Guarantee and Beijing Rural Commercial Bank. As Beijing's first batch guaranteed loan with bank-guarantee risk sharing utilizing digital yuan, it not only realizes the innovative application of digital yuan in the financing guarantee scenario but also promotes the upgrade of the currency and payment system in the digital era.
It is understood that this digital yuan financing guarantee business involves a 1 million yuan credit loan provided by Guohua Guarantee Co., Ltd. to a Beijing-based energy company. It is an innovative digital yuan industry-finance integration model based on the "Kunpeng Quick Pay" scenario, which is under PetroChina's digital fintech company.
After the borrowing enterprise obtained loan approval from Guohua Guarantee and Beijing Rural Commercial Bank, it received the guaranteed loan disbursement through its corporate digital yuan wallet and used the funds for purposes such as employee salary payments.
Compared with traditional financing guarantee models, digital yuan guaranteed loans offer advantages such as faster arrival of funds, traceability, and tamper resistance.
Leveraging the smart contract feature of the digital yuan, this business model achieves closed management of loan funds and automatic repayment, making fund circulation safer and more efficient, thereby broadening the application scenarios for digital yuan.
The successful issuance of the first digital yuan guaranteed loan not only pioneers a new path for guarantee services but also verifies the feasibility of using digital yuan technology to solve financing difficulties for small, medium, and micro enterprises.
In the future, Guohua Guarantee will continuously expand the boundaries of bank-guarantee cooperation, explore the deep integration of digital yuan and guarantee services, and channel more innovative vitality of digital finance to small and micro enterprises.
