济南｜济南数据红利催生新产业、新业态、新模式

Core Viewpoint - Jinan is leveraging data resources to address the financing challenges faced by small and micro enterprises, facilitating easier access to credit and promoting new industries and business models through data-driven solutions [2][3][7]. Group 1: Financing Solutions for Small Enterprises - Shandong Kelly Electric Co., a small tech enterprise, successfully secured a loan of 2.79 million yuan through the "泉融E贷" platform, highlighting the effectiveness of data-driven financing solutions [2]. - The "泉融E贷" program has disbursed a total of 1.796 billion yuan in loans, with an average credit increase of 800,000 yuan per enterprise, and has reported zero bad debts since its launch [3]. - The program utilizes a comprehensive data platform, "泉融通," which integrates various public data sources to assess creditworthiness, allowing banks to make informed lending decisions [3][4]. Group 2: Data Integration and Application - Jinan has established a unified data standard and integrated over 20,081 data resources from 77 departments, facilitating data sharing and application across various sectors [5]. - The city has developed 290 public data products and completed over 800 transactions, delivering more than 12 million data entries to support various applications [5]. - The "泉城链" platform has been created to ensure secure and authorized access to sensitive data, allowing businesses to share necessary information with banks for loan applications [6]. Group 3: Technological Innovations and Security - Jinan's data management incorporates advanced technologies such as blockchain and privacy computing to ensure data security and compliance, allowing for safe data circulation [6]. - The city has implemented a "data insurance box" feature through the "爱山东" app, enabling businesses to authorize banks to access relevant data securely [6]. Group 4: Economic Impact and Future Prospects - The initiatives in Jinan are aimed at releasing data dividends to foster new industries, business models, and a digital economy, positioning the city as a leader in data-driven economic transformation [7].