The implementation of the maize negotiable digital warehouse receipt standard will speed up the asset digitization process of the industry

With the rapid development of emerging technology and digital economy , Science and technology has become the era engine of agricultural industry upgrading and innovation , In the supply chain segment of digital warehouse receipts , Using the Internet of things 、 Blockchain and other technologies have greatly improved the management efficiency of traditional warehouse receipts , It's transferable 、 Asset digitization 、 New models such as credit transformation came into being .

Vice president of Minsheng e-commerce 、 Xiong Biao, chief information officer “ National Digital warehouse receipt standard for transferable corn ” topic of conversation , An exclusive interview with China e-banking network . He starts from the technology and development of digital warehouse receipts 、 From the perspective of formulating the standard of corn digital warehouse receipts , Shared the exploration and practice of Minsheng e-commerce in the field of agricultural digitalization .

Vice president of Minsheng e-commerce 、 CIO Xiong Biao

Corn digital warehouse receipt solves the traditional warehouse receipt “ Three big ” doubt

Xiong Biao said , Warehouse receipt business has a long history , Foreign warehouse receipts are in the form of legislation to ensure their effectiveness , In recent years , The domestic warehouse receipt industry is developing rapidly , The national negotiable digital warehouse receipt system stipulates the inventory warehouse 、 Warehouse receipt issuer 、 The admittance qualification of the warehouse receipt operation platform and the positioning and function of the warehouse receipt Registration Platform , All parties in the industrial chain have reached a mutual recognition consensus , Ensure that the warehouse receipt is qualified and credible .

The recently released corn digital warehouse receipt standard is first based on the national transferable digital warehouse receipt system , Then the implementation rules for corn were formulated . As an agricultural product, corn mainly faces three problems in the process of warehouse receipt guarantee ： One is whether it is still , The second is whether it is bad , Third, whether the price can maintain its value . Corn digital warehouse receipt can effectively solve these three questions , This makes the corn digital warehouse receipt different from the traditional warehouse receipt in essence .

Xiong Biao pointed out , Before the concept of digital warehouse receipts was born , Traditional warehouse receipt can also be called Bill of lading , A bill of lading is a descriptive document , For example, record how many tons of secondary corn are stored , Only represents historical repository behavior . This kind of state description bill of lading has different purposes in the circulation process , Some organizations only take it as the basis for picking up goods , Only care about the level of deposit at that time , Is the quantity the agreed tonnage within the error range . If a bill of lading is attached to pledge 、 Financing and other circulation functions , It needs to carry the demands of all parties , among , The bank pays attention to whether the bill of lading conforms to the pre loan 、 In credit 、 Post loan regulatory requirements , Have concerns about environmental management that affects quality, such as temperature .

In many ways “ Upper chain ”、 Multidimensional risk control data flow is more reliable

There are two main differences between digital warehouse receipts and traditional warehouse receipts . First of all , The technical means of recording are different , Digital warehouse receipts have many element dimensions , In addition to structured text descriptions , It also needs to be described with images and videos ; second , Multiple recorders participate , There are warehousing enterprises that provide professional descriptions of their businesses , With weighbridge 、 Thermometry 、 Humidity measurement and other sensor equipment data , There are quality inspection results issued by the quality inspection department , There are assessments of financial institutions .

Digital warehouse receipts are written by all parties in the industrial chain . During the duration of the digital warehouse receipt , Warehouse receipt content relies on blockchain real-time recording , Its core technological advantage is , All parties can base on consensus data on the chain , Conduct cross check , And establish their own risk control models .

“ We can see , Digital warehouse receipts adopt blockchain and other technologies , Be able to express richer digital content , Record more detailed circulation data , Electronic 、 Video and other features , Integrate into the price fluctuation curve 、 Intelligent applications such as risk control models , It can meet the business needs of all circulation objects and service institutions , At the same time, it can also open and connect with cross industry chain systems .” Xiong Biao concluded .

Digital warehouse receipts of transferable corn enable standardized operation

When talking about the practice of digital warehouse receipts of Minsheng e-commerce , Xiong Biao said , Minsheng e-commerce is promoting the development of digital warehouse receipts , First, aim at the agricultural industry , And take the corn digital warehouse receipt as the starting point , Because corn is the three main crops in China , With trillions of market space , The industrial chain is huge and there are many integrated enterprises . Minsheng e-commerce uses Internet of things and blockchain Technology , Simulate corn as a twin digital asset , Express the above in digital assets “ Is here or not 、 Bad or not 、 Value preservation ” problem , Then transfer the consensus digital assets in the industrial chain , Cracking is not professional 、 Distrust and other constraints .

How to build the goods supervision warehouse at present , How to generate digital warehouse receipts , Have relevant standards and specifications , At present , The circulation of digital warehouse receipts , It is a new field that needs to be expanded in the industry .

“ China Warehousing and Distribution Association as the industry leader , For many years, I have been committed to studying the circulation of digital warehouse receipts , From the industry demand 、 Standards and other levels continue to boost the development of negotiable digital warehouse receipts , Based on this , Minsheng e-commerce and zhongcangxie hit it off .” Xiong Biao answered the question of how to speed up the establishment of circulation Standards , said .

In the near future , Jointly released by Minsheng e-commerce and China warehouse Association 《 The operation and management norms of the national transferable warehouse receipt system The first 2 part ： Corn warehouse receipt 》,“ standard ” Let data and trust flow . Before that , Minsheng e-commerce's supply chain digital integrated service platform “ Minnong yuncang ” As an exemplary benchmarking platform , It provides practical experience for the formulation of Standards , And take the lead in implementing the national transferable corn digital warehouse receipt operation system , In the future, more platforms will join this operation system .

Digital credit promotes the upgrading and innovation of agricultural industry

The digital warehouse receipt of transferable corn is actually a process of digitizing physical assets , After the corn is stored in the warehouse , Production factors are transformed from physical objects into data , Data generates credit through circulation , The derived digital warehouse receipt can hedge the occupation of funds 、 Risk of loss of goods . Corn growers 、 The credit rating of production and processing enterprises in the existing credit evaluation system is weak , It is difficult to get financial support , By means of transferable digital warehouse receipts , Make them enjoy the ownership of corn at the same time , Get extra credit value .

Banks are one of the key participants of negotiable digital warehouse receipts , The demand of banks for this new type of digital asset mining is also urgent , I hope to change the previous way of credit judgment , Try to look at movable property with a new credit model , Native digital products such as transferable corn digital warehouse receipts , It can help banks comprehensively improve the efficiency of credit business , Accelerate the digital transformation and innovative development of banks . Negotiable digital warehouse receipts drive changes in assets and funds in agriculture , It improves the hematopoietic capacity of farmers and agricultural enterprises .

In addition to the exploration in the corn industry , next step , Minsheng e-commerce will cooperate with local governments , Carry out the digital warehouse receipt business of cash crops , Use technology to endow agricultural movable property with credit value , Benefit local small and medium-sized enterprises and farmers .

“ I believe that society will gradually recognize the existence of such a kind of credit , The inclusiveness of the market will continue to improve ,‘ the Belt and Road ’ In the context of development , Between cross credit entities , The future of negotiable digital warehouse receipts is full of endless imagination .” Xiong Biao thinks .

( editor ： Fang Jie ）