生产数据成了融资依据 精准“画像”服务小微企业融资（财经故事）

Core Insights - The article discusses the challenges faced by small and micro enterprises in securing financing due to insufficient collateral and lack of stable financial records, which increases the risk identification costs for banks [1] - Recent policies and data integration efforts have improved the financing landscape for small businesses, enabling more precise financial services [1][4] Group 1: Financing Challenges - Small and micro enterprises often struggle with high risk identification costs and lengthy processes due to their small scale and lack of quality credit information [1] - The lack of clear financial profiles makes it difficult for banks to assess the creditworthiness of these businesses [1] Group 2: Innovative Financing Solutions - The "Electricity e-Certificate" product has been developed to provide low-cost financing by leveraging actual electricity consumption data, which helps banks assess production capacity [2] - In Ningbo, over 1,500 enterprises have benefited from the "Electricity e-Certificate," receiving more than 6 billion yuan in financial services [2] Group 3: Data-Driven Financing Models - In Sichuan, the "Tax and Electricity Index Loan" combines electricity usage with tax data to create a clearer picture of small enterprises' vitality, allowing for tailored credit assessments [3] - This approach has enabled the Sichuan bank to provide 2 million yuan in credit to a high-tech small enterprise at a favorable interest rate of 3.1% [3] Group 4: Growth in Microfinance - As of April, the balance of inclusive micro-enterprise loans in China reached 34.7 trillion yuan, reflecting a 127.6% increase since the end of 2020, with an annual growth rate exceeding 20% [4] - This growth rate is significantly higher than the overall loan growth rate during the same period, indicating a strong focus on supporting small businesses [4]