首批外资法人银行接入全国中小微企业资金流信息平台

Core Insights - The People's Bank of China announced that in October, six banking institutions in Shanghai, including four foreign banks, connected to the national credit information sharing platform for small and micro enterprises, enhancing credit information sharing and supporting high-quality economic development [1][3]. Group 1: Participation of Banks - Four foreign banks, including HSBC China, Standard Chartered China, Fubon Bank (China), and Nanyang Commercial Bank (China), are among the first to join the platform, expanding its coverage and service capabilities [1][2]. - A rural commercial bank and a private bank also joined the platform, indicating a diverse range of participants [1]. Group 2: Application Strategies of Foreign Banks - HSBC China plans to focus on "credit white households" and "first-time borrowers" among small and micro enterprises, using platform data to verify business authenticity and scale [2]. - Standard Chartered China aims to establish a mature application mechanism for cash flow products, integrating them into its credit business processes [2]. - Fubon Bank (China) intends to use cash flow information for pre-loan assessments and post-loan management, aiming for comprehensive coverage across all business lines [2]. - Nanyang Commercial Bank (China) utilizes cash flow reports to support credit management and risk assessment for small and micro enterprises [2]. Group 3: Impact and Usage Statistics - As of now, 30 banking institutions in Shanghai have connected to the platform, with over 100,000 queries made in the first three quarters of the year [3]. - The platform has supported credit issuance totaling 41.2 billion yuan, benefiting over 6,800 enterprises, with more than 80% being inclusive small and micro loan enterprises [3]. - The People's Bank of China plans to guide financial institutions in exploring new applications for cash flow data to better support small and micro enterprises in obtaining financing [3].