TechFlow news, on October 1, according to Jinshi Data, on September 30, under the guidance of the National Financing Guarantee Fund, Beijing Re-guarantee Company facilitated Guohua Guarantee and Beijing Rural Commercial Bank in successfully launching a digital RMB guaranteed loan.
As Beijing's first batch-scale digital RMB bank-guarantee risk-sharing loan, this initiative not only achieves an innovative application of digital RMB in financing guarantee scenarios but also promotes the upgrade of monetary and payment systems in the digital era.
It is understood that the recently launched digital RMB financing guarantee service involves a one-million-yuan credit loan provided by Guohua Guarantee to an energy company in Beijing. This represents an innovative digital RMB industry-finance model based on "Kunpeng Quick Pay," a digital financial technology platform under PetroChina.
After receiving loan approval from Guohua Guarantee and Beijing Rural Commercial Bank, the borrowing enterprise received the guaranteed loan into its corporate digital RMB wallet and completed loan disbursements, including employee wage payments. Compared with traditional financing guarantee models, digital RMB guaranteed loans offer advantages such as faster settlement, traceability, and tamper resistance.
