小微企业贷款更便捷 网商银行接入全国中小微企业资金流信用信息共享平台

Group 1 - The core viewpoint of the news is that Wangshang Bank has become the first internet bank to connect to the "National Small and Micro Enterprises Fund Flow Credit Information Sharing Platform," which aims to enhance financing for small and micro enterprises by providing real-time credit scoring and reducing the need for manual document submission [1] - The fund flow information platform is an important financial information infrastructure organized by the People's Bank of China, which allows for the unified sharing of credit information across the country, reflecting the operational status, income and expenditure, debt repayment ability, and performance behavior of enterprises [1] - As of now, the platform has connected with 279 banks and offers free query services to small and micro enterprises and financial institutions, addressing issues related to traditional offline processes and reducing the burden on enterprises [1] Group 2 - Wangshang Bank has provided comprehensive financial services, including credit, wealth management, and payment settlement, to over 68 million small and micro enterprises, individual businesses, and operating farmers by the end of 2024 [2] - More than 80% of the new customers served by Wangshang Bank in the past five years are "credit white households," which have weak or missing credit records [2]