Workflow
招商银行宁德分行依托资金流信用信息共享平台破解融资难题
Sou Hu Cai Jing·2025-09-11 15:10

Core Insights - The article highlights the successful case of a technology company in Ningde obtaining a 10 million yuan credit loan within three days, facilitated by the funding flow information platform [1][2] - The funding flow information platform developed by the People's Bank of China enables dynamic monitoring and assessment of enterprises' financial health, effectively bridging the financing gap for businesses [2] Group 1 - The technology company faced cash flow issues due to extended payment terms with downstream customers, leading to a need for financing without collateral [1] - The Ningde branch of China Merchants Bank identified the company's financial needs and guided them to register on the funding flow platform, which showed stable cash flow and long-term partnerships with local leaders [1][2] - The bank provided a 10 million yuan loan through its digital financing product "Zhaoqi Loan," marking a breakthrough in traditional financing models without collateral [2] Group 2 - The funding flow information platform integrates credit information data with credit limit determination and risk management, enhancing data value extraction through intelligent analysis models [2] - This initiative represents an innovative step in leveraging data to empower business operations and improve risk control efficiency [2] - The Ningde branch plans to further explore the application boundaries of the funding flow information platform to better support small and micro enterprises [2]