湖北商业价值信用贷放款突破500亿

Core Insights - Hubei Province has implemented a new credit loan policy for small and medium-sized enterprises (SMEs) based on commercial value, which has significantly improved access to financing for these businesses [1][3] - As of November 14, 2025, a total of 67,000 enterprises have been registered, with 16,695 receiving bank credit amounting to 63.2 billion yuan, and total loans exceeding 50 billion yuan [1][3] Group 1: Policy Implementation - The "Commercial Value Credit Loan Implementation Measures (Trial)" was jointly issued by several government departments to address the financing difficulties faced by SMEs, focusing on a "light asset, wide credit, and convenience" reform path [1] - The new financing ecosystem is centered around commercial value credit, allowing for a more accessible evaluation of SMEs based on operational data and creditworthiness [1] Group 2: Impact on SMEs - SMEs benefiting from the commercial value loans include Wuhan Wangji Tangye Food Co., which secured 3 million yuan for modernization efforts despite lacking collateral [2] - Hubei Mairige Technology Development Co. received a 2.9 million yuan credit loan within a month, facilitated by the bank's use of the commercial value evaluation results [2] Group 3: Performance Metrics - The average approval time for loans has been reduced to 2.84 days, with a weighted average interest rate of 3.49%, benefiting over 50% of lower-rated C and D level enterprises [3] - Among the beneficiaries, 35.4% are first-time borrowers or new clients to the banks, indicating a significant outreach to previously underserved businesses [3]