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北京开展“京质贷”质量融资增信业务 助力企业融资
Zhong Guo Xin Wen Wang·2025-09-23 06:07

Core Viewpoint - Beijing is launching the "Jingzhi Loan" quality financing enhancement initiative to support enterprise financing by integrating quality credit, management levels, brand value, technological foundation, and innovation achievements into the credit evaluation system of financial institutions [1][2]. Group 1: Features of "Jingzhi Loan" - The "Jingzhi Loan" offers customized financing services, allowing enterprises with high quality credit and management certifications to access low-cost, quick loans, thereby enhancing their quality [2]. - The initiative has a clear "two-way" implementation scope, encouraging enterprises that prioritize quality development to apply, while also inviting qualified financial institutions to collaborate [2]. - The program ensures a standardized process management from application to post-loan tracking, promoting transparency and efficient operation among market regulatory departments and banks [2]. - A quality factor checklist is established for information sharing, utilizing the national enterprise credit information public system to aggregate data on quality credit, management, brand, foundation, and innovation for precise credit approval [2]. Group 2: Advantages and Outcomes - The "Jingzhi Loan" products highlight three main advantages: tailored financing plans based on quality performance, expedited approval processes using big data technology, and enhanced post-loan tracking with ongoing financial services [3]. - As a result of preliminary trials, 24 enterprises in Beijing have secured 120 million yuan in financing, focusing on high-end manufacturing and technological innovation, which has effectively improved their quality investment capabilities and market competitiveness [3]. - The market regulatory department plans to strengthen collaboration with the People's Bank and financial regulators to further integrate quality factors into credit evaluation models, guiding financial institutions to develop more customized products for enterprises [3].