人民银行聊城市分行：资金流信息平台助力中小微企业融资提速

Core Insights - The launch of the "National Small and Micro Enterprises Fund Flow Credit Information Sharing Platform" by the People's Bank of China on October 25, 2024, aims to provide a new credit evaluation dimension for small and micro enterprises by sharing cross-bank fund flow data [1][2] - The platform has successfully enabled banks to provide loans to "credit white" enterprises, which previously lacked credit records, thus facilitating their financing needs [2][3] - The platform has also proven beneficial for enterprises with litigation records, allowing them to secure loans by demonstrating stable operational data [3] Group 1: Platform Impact on Financing - The platform has established a second credit file for small and micro enterprises, allowing them to overcome the challenges of having no prior credit history [2] - Since its launch, the platform has facilitated banks in providing first-time loans to 133 "credit white" enterprises, amounting to a total of 400 million yuan [2] - The platform has enabled 254 litigation-affected enterprises to receive credit support, with a total financing scale of 676 million yuan [3] Group 2: Efficiency and Process Improvement - The platform allows for a streamlined loan application process, significantly reducing the time required for banks to verify financial data from an average of 2 days to 1.5 hours [4] - The average loan processing time has been cut from 5 working days to 2 working days, enhancing the overall efficiency of financing for small and micro enterprises [4] - The platform's data-sharing capabilities eliminate the need for enterprises to repeatedly provide information to different financial institutions, thus lowering the cost and time of financing [4] Group 3: Future Developments - The People's Bank of China plans to continue promoting the platform's application in the region, aiming to broaden financing channels for small and micro enterprises through multi-dimensional data integration [5]