专题 | “金信企税贷”铺设企业融资新通道

Core Viewpoint - The article emphasizes the importance of the "Jinxin Qixidai" loan product developed by Liaoning Rural Commercial Bank, which leverages tax data to enhance financial support for small and micro enterprises, thereby contributing to the revitalization of the local economy and the overall financial market [4][14]. Group 1: Economic Context - The global economy is showing signs of fatigue, while domestic conditions are improving, particularly in emerging industries like artificial intelligence and renewable energy, indicating China's transition from a manufacturing powerhouse to a manufacturing stronghold [1]. - Liaoning plays a crucial role in the national industrial upgrade strategy, highlighting the need for innovative financial solutions to stimulate enterprise growth and economic development [1]. Group 2: "Jinxin Qixidai" Loan Product - The "Jinxin Qixidai" loan product was launched to empower the real economy in Liaoning, with its first issuance occurring on June 23, 2022 [4]. - This product utilizes tax data, which is characterized by its authenticity, comprehensiveness, and timeliness, to assess the financial health of enterprises [4][5]. - The loan product allows enterprises to obtain credit without collateral, streamlining the loan approval process through online systems [5][9]. Group 3: Financial Application and Benefits - Tax data enhances credit assessment accuracy, reduces default risks, and facilitates the development of tailored financial products for small and micro enterprises [5][6]. - The "Jinxin Qixidai" product has been recognized for its rapid approval process and lower interest rates, making it an attractive financing option for businesses [12][14]. - As of now, over 770 loans have been issued under this product, amounting to a pre-approved credit of 860 million yuan, significantly supporting local enterprises [14]. Group 4: Future Outlook - Liaoning Rural Commercial Bank aims to continuously optimize the "Jinxin Qixidai" service process to better meet the funding needs of local enterprises, thereby contributing to the revitalization of the Northeast's old industrial base [14].