全省首个县域资金流信息平台联合推广机制落地江门开平

Group 1 - The People's Bank of China, under the guidance of the Jiangmen branch, has launched a joint promotion mechanism for the "Capital Flow Information Platform" financing business, aimed at supporting the high-quality development of construction enterprises in Kaiping [1][2] - The "Action Plan" establishes an enterprise directory to leverage the role of industry associations, guiding local banks to innovate a "capital flow + industry qualification" credit model, allowing for rapid access to enterprise cash flow data for comprehensive analysis of operational status and repayment capacity [1][2] - The lending model shifts from "experience judgment" and "risk avoidance" to "data-driven decision-making" and "precise drip irrigation," enhancing both credit efficiency and risk control accuracy [1] Group 2 - Kaiping City is known for its construction industry, housing over 170 construction enterprises, which are characterized by high personnel and capital intensity, with numerous accounts and complex cash flow [2] - A local high-tech construction company faced short-term funding pressure due to long project payment cycles but successfully obtained a credit loan exceeding 10 million through the new mechanism, utilizing a summary report of nearly three years of cash flow [2] - As of June 20, 2025, local banks have issued five loans totaling nearly 50 million through the capital flow platform, with three loans to construction enterprises amounting to 21 million [2] - The People's Bank of China plans to replicate the successful experiences of the capital flow platform in other industries, aiming for comprehensive coverage in credit services for small and micro enterprises [2]