恒丰银行携手“金服云”平台 共筑数字金融新生态 精准滴灌实体经济

Core Insights - Hengfeng Bank and Fujian Jinfu Cloud Credit Co., Ltd. have initiated a system integration ceremony to explore deeper collaboration in data fusion applications and financial innovation, aiming to create a new model of government-bank-enterprise cooperation and promote high-quality development of the real economy in Fujian [1][3] Group 1: System Integration and Product Offerings - After integrating with the "Jinfu Cloud" platform, Hengfeng Bank will have direct access to 20 credit products and services, enabling precise profiling of enterprises to meet the financing needs of small and micro businesses [3] - The bank plans to launch the "Operation Pass" product, which will utilize data from the "Jinfu Cloud" platform as a reference to effectively address information asymmetry between banks and enterprises, enhancing the timeliness and convenience of credit financing [3] Group 2: Data Resources and Impact - The "Jinfu Cloud" platform, a key achievement of the "Digital Fujian" initiative, has aggregated public data from 33 government departments and includes over 1 billion credit information records from 7.6 million enterprises in the province, demonstrating significant effectiveness in addressing financing challenges for private small and micro enterprises [3][4] Group 3: Focus on Inclusive Finance - Hengfeng Bank has prioritized the development of inclusive finance as a crucial approach to serving the real economy, leveraging technology to enhance its service system and launching digital inclusive loan products such as "Sci-Tech Loan," "Operation Pass," and "Smart Quick Loan" to meet diverse financing needs of small and micro enterprises [4] - Over the past five years, the average annual compound growth rate of inclusive small micro loans has exceeded 38%, with the number of clients increasing more than threefold [4]