手机“一键授权”代替“多头跑腿”

Core Insights - The establishment of the national small and micro enterprise fund flow credit information sharing platform has significantly improved the efficiency of loan approvals for small businesses like Yisite [1][2] - The platform allows banks to access real-time financial data, enabling them to better assess the creditworthiness of businesses lacking traditional credit histories [2] Group 1 - Yisite, a small enterprise, successfully secured a loan of 1.6 million yuan in just three hours through the platform, highlighting its effectiveness in addressing financing challenges [1] - The platform integrates data with bank credit processes, allowing for a more proactive approach in analyzing and processing loan applications [1][2] - The lack of stable and high-quality credit information has been a major barrier for financial institutions in providing quality services to small and micro enterprises [1] Group 2 - The platform converts daily financial transactions of businesses into digital assets, helping banks identify the true operational status of companies that lack traditional credit records [2] - By facilitating cross-bank information sharing, the platform has restructured the loan approval process, reducing the time required for loan disbursement from an average of one week to under three days [2] - As of the end of August, 22 banks in Jiangsu province have initiated 118,000 queries through the platform, granting credit totaling 78.09 billion yuan and disbursing loans amounting to 77.48 billion yuan to 11,000 enterprises [2]