资金流信息平台助近千家中小微鄂企获得融资

Core Insights - The establishment of the national small and micro enterprise fund flow credit information sharing platform has significantly aided financing for small and micro enterprises in Hubei province [1][2][3] - The platform allows banks to access companies' fund flow credit information, enabling them to match suitable loan products for businesses that have never received loans before [1][2] - Innovative financing solutions, such as patent pledge loans, have been developed to assist asset-light enterprises in overcoming financing challenges [2][3] Group 1 - As of the end of May, 19 pilot banks in Hubei have conducted 20,200 queries on the fund flow credit information platform, granting credit of 12.213 billion yuan and disbursing loans of 4.325 billion yuan to 997 enterprises [1] - A small e-commerce enterprise, previously classified as a "credit white household," successfully obtained a loan of 1.8 million yuan through the platform after its fund flow credit information was assessed [1] - A textile company utilized intellectual property pledges to secure financing of 5.173 million yuan, facilitated by real-time data from the fund flow information platform [2] Group 2 - An agricultural technology company received a credit loan of 1.5 million yuan after being evaluated through the fund flow information platform, which allowed for a more favorable assessment than traditional methods [3] - The fund flow information platform officially launched in October 2024, establishing credit profiles for small and micro enterprises, with 56 million enterprises and individual businesses covered by the end of 2024 [3]