启东农商银行全面接入“资金流信用信息平台”

Core Viewpoint - The implementation of the "National Small and Micro Enterprises Fund Flow Credit Information Sharing Platform" by Qidong Rural Commercial Bank aims to streamline the loan application process for small and micro enterprises, enhancing credit assessment and risk management [1][2] Group 1: Platform Implementation - Starting from September 11, 2025, Qidong Rural Commercial Bank will fully utilize the national platform, requiring loan officers to query and upload authorization screenshots from the platform as part of the loan approval process [1] - The platform, operated by the People's Bank of China Credit Center, provides financial institutions with a "credit profile" of enterprises based on anonymized fund flow statistics, addressing the limitations of traditional credit records [1] Group 2: Business Expansion and Risk Management - Qidong Rural Commercial Bank positions the platform as a core tool for expanding its business with small and micro enterprises and upgrading risk control [2] - The bank aims to enhance credit support for technology and manufacturing SMEs, achieving "expansion and increase" while reducing financing costs through more precise risk control [2]