无需财报靠数据建模 建行“烟火贷”助燃上海“烟火气”︱一探

Core Viewpoint - The introduction of the "Yanhua Loan" product by the Shanghai branch of China Construction Bank aims to address the financing difficulties faced by small and micro businesses by utilizing a multi-dimensional assessment model based on various data sources [1] Group 1: Product Overview - The "Yanhua Loan" integrates public enterprise data, spatiotemporal data, and third-party business scoring data to create a comprehensive evaluation model [1] - The product has successfully provided over 100 million yuan in loans to nearly 200 small and micro businesses [1] Group 2: Economic Impact - The initiative is designed to inject strong financial momentum into the urban "smoke economy" by allowing data to drive decision-making [1]