CMBC(600016) 中国经济网·2024-11-20 07:03Group 1 - A mechanical and electrical equipment sales company in Chengdu experienced a surge in order volume and urgently needed financial support [1] - On November 6, the company's legal representative submitted a "Minsheng Hui" business application through Minsheng Bank's app and authorized the use of the national small and micro enterprise fund flow credit information sharing platform [1] - Minsheng Bank successfully obtained the company's fund flow data, allowing for a comprehensive understanding of the company's financial transactions, leading to an automated approval process that granted a credit limit of 2.11 million yuan within minutes [1] Group 2 - The fund flow information platform was officially launched for trial operation on October 25, developed and operated by the People's Bank of China Credit Center [2] - The platform enables financial institutions to efficiently access clients' fund flow credit information, facilitating dynamic tracking and analysis of clients' operational status, cash flow, debt repayment ability, and performance [2] - Minsheng Bank, as one of the first pilot institutions, established a dedicated business system, authorization mechanism, and application plan to support the platform's launch [2] Group 3 - In August, Minsheng Bank became the first institution to successfully log into the sharing platform and complete full interface connectivity verification [3] - The data from the platform is utilized in Minsheng Bank's "Minsheng Hui Credit Loan" online product, enhancing the existing multidimensional data resources, including tax, business, and judicial information [3] - This integration improves the application of big data technology and intelligent risk control, optimizing customer profiling accuracy and enhancing the quality and efficiency of small and micro services [3]