Core Viewpoint - The introduction of "Zijin Flow e-loan" by Huishang Bank represents a significant innovation in online financing for small and micro enterprises, aimed at improving their financing efficiency through the use of the national fund flow credit information sharing platform [1][2] Group 1: Product Overview - "Zijin Flow e-loan" is the first online loan product in Anhui Province utilizing the fund flow information platform, with an initial loan of 5 million yuan successfully issued to a local company [1] - The product offers a maximum credit limit of 5 million yuan, operates entirely online, and features a fast approval process, significantly simplifying the financing process for small and micro enterprises [2] Group 2: Platform and Data Utilization - The fund flow information platform, established by the People's Bank of China, provides credit information sharing services to financial institutions nationwide, addressing the financing challenges faced by small and micro enterprises [1] - Huishang Bank has conducted approximately 13,500 inquiries into enterprise fund flow credit information, leading the province in query volume and achieving full coverage across its branches [1] Group 3: Future Plans and Impact - Huishang Bank plans to further promote the application of the fund flow information platform, optimizing financial services to provide more precise, efficient, and convenient financing support for small and micro enterprises [2] - The use of fund flow credit information is expected to enhance the creditworthiness of small and micro enterprises lacking credit history, thereby improving banks' ability to support their financing needs [2]
资金流信息平台赋新能 徽商银行 “资金流e贷”提效中小微企业融资