1.1万户企业获授信780.9亿元！江苏上线资金流平台打通中小微融资“快车道”

Core Insights - The establishment of the national small and micro enterprise funding flow credit information sharing platform aims to enhance coverage, efficiency, and empowerment for small and micro enterprises in Jiangsu Province, addressing the issue of information asymmetry between banks and enterprises [1] Group 1: Platform Impact on Financing - As of August 2025, 22 banks in Jiangsu Province have initiated 118,000 queries through the platform, granting credit of 78.09 billion yuan and disbursing loans totaling 77.48 billion yuan, demonstrating the platform's effectiveness in facilitating financing [1] - The platform has facilitated first-time loans amounting to 3.24 billion yuan, assisting numerous enterprises in securing their initial financing [3] Group 2: Innovations in Loan Products - The platform converts daily operational cash flow details into digital assets, aiding banks in identifying the true operational status of enterprises, particularly benefiting "credit white households" lacking traditional credit records [3] - A new loan product called "Flow Tax Loan" was introduced by Taizhou Rural Commercial Bank, offering a maximum credit limit of 3 million yuan to small and micro enterprises with orders and cash flow but lacking credit history and guarantees [3] Group 3: Data-Driven Credit Assessment - The platform integrates various operational data, such as utility payments, to create a comprehensive stability profile for enterprises, allowing banks to fill the traditional collateral gap with data-driven credit assessments [4] - By embedding platform data into existing evaluation systems, banks can more accurately assess the operational status and growth potential of enterprises, resulting in 8 billion yuan in credit loans facilitated through the platform [4] Group 4: Process Optimization - The platform streamlines the loan application process by enabling efficient cross-bank sharing of cash flow information, significantly reducing the time required for loan approvals from an average of one week to under three days [5] - The introduction of mobile authorization for accessing bank account data has simplified the process for enterprises, allowing for quicker loan approvals and enhancing operational efficiency [5]