信用与数字经济如何更好融合？专家这样说

Group 1 - The 2025 Global Digital Economy Conference focused on the integration of credit and digital economy, discussing practical paths for high-quality development [1] - The forum emphasized the importance of technological innovation and ecosystem construction in enhancing the digital economy [1] Group 2 - Cities like Hangzhou, Zhuhai, and Beijing are actively innovating credit systems to empower small and medium-sized enterprises (SMEs) [2] - Hangzhou has established a comprehensive credit system covering four major areas, accumulating 994 million credit information records and embedding credit checks into 38 business systems [2] - Zhuhai has developed a cross-border credit service platform to support trade cooperation and financial innovation, facilitating access to credit information for over 400,000 market entities [2] Group 3 - Beijing's Tongzhou District is addressing green financing challenges for SMEs by creating a "credit + green finance" ecosystem, integrating environmental performance and compliance into a comprehensive green credit evaluation system [3] - This initiative aims to help financial institutions identify quality clients that meet green lending standards [3] Group 4 - The integration of credit economy and digital economy is seen as beneficial for reducing transaction and management costs, optimizing resource allocation [4] - Experts suggest establishing a business credit system focused on accounts receivable to address the issue of delayed payments among enterprises [4] - New technologies like AI and big data are expected to enhance credit system restructuring, improving risk identification for SMEs [4] Group 5 - The "Beijing Credit Service Industry Development Blue Book (2025)" indicates that by the end of 2024, there were 154 credit institutions registered with the People's Bank of China, with 35 located in Beijing [5] - The credit industry in Beijing provided 22.251 billion credit products and services in 2024, marking a nearly 7% year-on-year growth, with business revenue reaching 8.997 billion yuan, a 28.6% increase [5]