Technology-driven, precise empowerment, integration of industry and finance. Bohai Bank collaborates with Xiaopeng Motors to build an intelligent automotive supply chain finance ecosystem.

As financial liquidity flows into intelligent manufacturing, a deep collaboration focused on reshaping the automotive industry chain is underway. Recently, Bohai Bank (09668) reached a strategic partnership with leading domestic smart car company Xpeng Motors (XPEV.US), jointly building a supply chain financial service platform, with the first transaction successfully launched at the Guangzhou branch. This not only extends Bohai Bank’s特色品牌 “CheXiaoYi” into the automotive ecosystem but also marks a new phase of systematization and platformization in the integration of fintech and industry scenarios.

As a vital pillar of the national economy, the automotive industry is at a critical juncture shifting from “scale expansion” to “value creation.” New energy vehicles have been established as a national strategic development direction, and the rise of new energy car companies is reshaping traditional vehicle manufacturing logic. Xpeng Motors, through its continuous focus on full-stack self-developed intelligent technology, electric platforms, and user operations, has become a key player in this industry transformation. Xpeng always emphasizes supply chain ecosystem development, leveraging its strong credit to help upstream and downstream companies expand financing channels, reduce costs, fulfill corporate social responsibilities, and empower small and micro enterprises in the industry chain, contributing to strengthening industry resilience.

Bohai Bank’s cooperation with Xpeng is based on prior experience serving multiple mainstream automakers and supporting enterprises, utilizing the “BohYin E-Chain” system and client platform for real-time data interaction. The bank integrates financing approval and credit limit allocation into enterprise transaction scenarios, relying on a solid technological platform and agile product development to quickly respond to personalized customer needs, efficiently customize processes, and deploy business operations, ensuring rapid implementation and stable system operation.

More importantly, Bohai Bank has gone beyond system integration to achieve deep product customization. For Xpeng’s suppliers’ credit terms and cash flow rhythms, the bank offers more competitive financing costs through flexible credit models and differentiated pricing strategies, compared to market averages. This “low cost + high efficiency + high adaptability” service package not only directly improves the financing accessibility for small and micro suppliers but also indirectly enhances the capital operation efficiency of the industry chain, channeling low-cost funds to truly needed enterprises. Inclusive finance is no longer an abstract concept but a real support embedded in every order and delivery.

“CheXiaoYi,” as the core product of this cooperation, is an extension of Bohai Bank’s “BohYin E-Chain—Yibao Tong” in the automotive vertical scenario. The product system is built around three modules: “Financing Easy,” “Lingtong Bao,” and “Settlement Tong,” and innovatively introduces a “Customer Factory + Product Factory” dual-driven service model, precisely matching the needs of industry leaders and customizing financial solutions. By the end of 2025, Bohai Bank’s supply chain finance has served 28 leading automotive companies, with total credit support approaching 40 billion yuan.

This achievement is inseparable from Bohai Bank’s ongoing investment in digital transformation. From “industry bank” to “transaction bank,” and now to “scenario bank,” the bank adheres to the development philosophy of “industry as foundation, scenario as pulse, internal and external integration, treasury empowerment,” continuously building three ecological systems: “BohYin Chain Eco,” “BohYin Smart Eco,” and “BohYin Finance Eco.” This ecological layout empowers high-quality business development, creating a new transaction banking ecosystem, with notable success in supply chain finance. It is understood that the bank’s annual supply chain finance volume approaches 330 billion yuan, a year-on-year increase of over 27%.

Bohai Bank stated that it will continue to focus on the actual needs of实体企业, optimize supply chain financial product structures, improve system response speed, and promote the replication of特色品牌 like “CheXiaoYi” into more manufacturing fields. While helping the industry chain reduce costs and increase efficiency, the bank also aims to provide ongoing financial support for cultivating new productive forces and building a modern industrial system.