资金流信息平台①人民银行济宁市分行致全市企业家朋友的一封信

Core Insights - The National SME Fund Flow Credit Information Sharing Platform is set to launch on October 25, 2024, aimed at improving financing efficiency for small and micro enterprises [2] - The platform will facilitate access to credit information for banks, helping to address challenges faced by enterprises lacking collateral or credit history [2] Group 1: Service Overview - Target Audience: The platform primarily serves small and micro enterprises, including individual businesses [2] - Service Providers: Key participants include state-owned commercial banks, national joint-stock banks, rural commercial banks, and urban commercial banks [2] - Service Offerings: The platform provides information support for bank credit and loan management, allowing enterprises to authorize banks to access their fund flow credit information [2] Group 2: Operational Mechanism - Data Account Creation: Each small and micro enterprise will have a dedicated data account, with the option to share information with financial institutions [3] - Authorization Process: Enterprises can authorize banks to access their fund flow credit information through a secure process involving identity verification and authorization confirmation [3] Group 3: Application and Impact - Local Implementation: The Jining branch of the People's Bank of China is actively promoting the platform as a key tool for enhancing financial services to the real economy [3] - Results: As of September 2025, 35 pilot banks have facilitated 2,100 loans totaling 9.314 billion yuan to 1,625 enterprises, with 97% of these loans going to small and micro enterprises [3]