Recently, the results of the 12th "China Supply Chain Finance Industry Benchmark Award" in 2026 were officially announced. Wuhan Zhongbang Bank won the "Best Supply Chain Finance Innovation Bank Award" for its innovative capabilities, technological breakthroughs, and service effectiveness in the field of supply chain finance. Its digital and ecological supply chain finance service model has been highly recognized by the industry.

Adhering to the mission of "focusing on industrial ecology, assisting small and micro enterprises, and supporting mass entrepreneurship", Zhongbang Bank has regarded supply chain finance as the core tool for serving the real economy since its establishment. After years of deep cultivation, Zhongbang Bank has built a inclusive financial service ecosystem covering the entire industry chain and all scenarios through product matrix, technology digitization, credit dataization, and business development ecology models. Through open platforms to integrate data and resources, it collaborates with partners to build an open and shared industrial digital financial ecosystem, empowering the high-quality development of the real economy.

Connect five scenarios to meet the diverse financing needs of the supply chain

Driven by both policy guidance and industry demand, Zhongbang Bank has gradually formed a comprehensive financial product system that integrates the five scenarios of "chain, goods, ticket, government, and responsibility" with industrial thinking as the guide and technological innovation as the support. It has promoted the iterative upgrading of supply chain finance risk control models, freed itself from traditional core enterprise dependence, and built a new risk control system of "de nuclear credit+multi-dimensional data verification+multi-party collaborative empowerment", accurately matching the diversified financing needs of various upstream and downstream enterprises in the supply chain.

The "chain" style scenario deeply cultivates industrial digital finance and deepens industry finance cooperation. The core product of Zhonglian Loan has formed five series: Bangxin, Bangcai, Bangshou, Bangchain, and Bangpiao; Zhongshangdai has launched a "core free, pure credit" model to create products such as science and technology innovation loans, supply loans, order loans, and industrial chain loans; Among them, the industrial chain loan covers more than 200 industrial chains to form an industrial chain map, focusing on serving emerging industrial chains such as new materials and new energy, as well as future industrial chains such as humanoid robots and brain computer interfaces.

The "goods" scenario focuses on innovative inventory financing, collaborates with Zhongcang Deng to build a digital movable property financing system, launches a movable property collateral management system, and launches the "goods to warehouse receipt" business model to convert inventory into transferable credit assets, and activate inventory assets such as yarn, down, denim fabric, and tea.

Creating a fully online supply chain bill service platform for bill scenarios, achieving digitalization of the entire process of issuance, circulation, and discounting, and improving financing efficiency by over 60%. Relying on technological innovation, it has become one of the first banks in China and the first in Hubei to implement limited recourse supply chain bills, and has been awarded the "Excellent Supply Chain Bill Participating Institution" by the Shanghai Stock Exchange in 2025.

In terms of cooperation between government and government, the "Speedy Guarantee" guarantee product has settled in multiple provincial public resource trading centers, with an average of 7 minutes for opening letters on the entire line, and a cumulative opening of over 10 billion yuan; And cooperate with multiple financing institutions to innovate and form diversified cooperation models such as government bank guarantee, bill+guarantee, letter of guarantee+guarantee, etc., further expanding the financing channels for enterprises in the supply chain.

Deeply cultivating key industrial chains in the region, precision drip irrigation of the real economy

Based on the original intention of "rooting in Hubei, serving Jingchu, and radiating industries", Zhongbang Bank focuses on regional advantageous industries and tailors differentiated financial service solutions for key industrial chains such as agriculture, textiles, and new energy vehicles, using financial vitality to accurately drip water into the land of Jingchu.

In the field of agricultural industry chain, Zhongbang Bank insists on deeply cultivating the Hubei agricultural industry chain, customizing exclusive "agricultural chain loans" credit products and comprehensive financing plans, and accurately matching the differentiated and seasonal financing needs of agricultural entities. By the end of 2025, a total of 3.256 billion yuan in loans have been issued to the top ten key agricultural industry chains, covering key agricultural fields such as high-quality rice, pigs, and vegetables in all aspects, and fully ensuring stable supply of agricultural products.

In the field of textile and clothing industry chain, Zhongbang Bank, in conjunction with Hubei Huafang Chain Supply Chain Platform and Zhongcang Deng, has innovatively launched the "cloud warehouse receipt" pledge financing model, which converts inventory into separable and transferable credit assets, realizing full process ownership confirmation and dynamic management of goods. This model has been successfully replicated in multiple provinces such as Hubei and Henan, driving regional commodity financing scale to exceed hundreds of millions of yuan, increasing the annual turnover rate of warehouse receipts by 200%, and forming a scalable model of movable property financing services.

At the same time, the bank focuses on the new energy vehicle industry chain, providing precise services to more than 80 supporting enterprises upstream and downstream of leading new energy vehicle companies, and assisting in the high-quality development of the new energy vehicle industry cluster. In addition, Zhongbang Bank also collaborates with industry platforms, supply chain companies, technology companies and other partners in the industry chain to build a multi-party win-win industrial digital financial ecosystem, promoting the deep coordinated development of industry and finance.

In the future, Zhongbang Bank will adhere to serving the local market, deeply cultivating the industry, continuously improving the supply chain financial products and service system, providing more efficient and inclusive financial services, and continuously assisting in the stable upgrading of the industrial chain and supply chain, injecting financial momentum into the high-quality development of the local economy.