Nan Fang Du Shi Bao·2025-05-07 08:23Core Insights - The establishment of the National SME Fund Flow Credit Information Sharing Platform aims to alleviate financing difficulties for small and micro enterprises by providing a unified platform for sharing credit information related to cash flow [2] - The platform has been effectively utilized by the Dongguan branch of the Industrial and Commercial Bank of China (ICBC) to enhance the financing process for SMEs, resulting in reduced financing costs and improved efficiency [2][4] Group 1 - The Fund Flow Information Platform allows for real-time verification of supply chain transaction data, significantly shortening the financing approval cycle and reducing the required application materials by over 50% [3] - ICBC Dongguan branch has successfully provided financing support to 12 small and micro enterprises, with total loans exceeding 60 million yuan and a non-performing loan rate of zero [2] - The platform's integration into the entire loan management process has become a crucial basis for business approval and credit limit determination, injecting new momentum into the stable development and market competitiveness of enterprises [2][4] Group 2 - The first beneficiary of the platform, Qunao Electronics, has seen a significant reduction in financing costs, with annualized loan rates dropping by 50% compared to other channels [3] - The platform supports the dynamic assessment of a company's operational income and profitability, enabling rapid risk evaluation and loan approval [3] - ICBC Dongguan branch is focusing on expanding the application of the platform in supply chain finance and technology innovation finance, enhancing service capabilities and breaking down information barriers between banks and enterprises [4][5]