21专访｜深圳征信张奇：让仅有10人的小微企业也能贷到款

Core Insights - The Shenzhen local credit platform has successfully addressed the financing difficulties faced by small and micro enterprises, accumulating services for nearly 7 million entities and facilitating financing exceeding 24 trillion yuan by the end of 2024 [1][4] - The platform has provided credit services to over 77,000 enterprises, with more than 11,000 being first-time borrowers, resulting in over 700 billion yuan in financing, of which 70% are inclusive microloans and 80% are credit loans [1][4] Group 1: Platform Overview - The Shenzhen local credit platform, operational since early 2022, aims to enhance enterprise financing by aggregating credit information and management data from various government departments [1][4] - The platform has collected over 3.4 billion pieces of government data, covering approximately 4.5 million business entities in Shenzhen [4][6] Group 2: Product Innovation - The platform has introduced various financial products tailored to different types of small and micro enterprises, including "Technology Startup Pass," "Individual Pass," "Carbon Reduction Loan," and "Seed Loan" [4][6] - The "Technology Startup Pass" product has issued over 7.3 billion yuan in credit, serving more than 4,600 technology SMEs, with 80% of these being outside traditional qualification lists [4][6] Group 3: Unique Shenzhen Model - Shenzhen's credit platform has developed a unique "Shenzhen Model" for small and micro enterprise financing, characterized by a unified platform for public credit information services and a comprehensive data utilization authorization [6][7] - The platform integrates financing services, local credit services, and public data utilization into a cohesive system, enhancing resource efficiency compared to other regions [6][7] Group 4: Cross-Border Services - The platform has initiated cross-border credit cooperation with Hong Kong, facilitating over 2 billion yuan in financing for Hong Kong-funded enterprises through the "Northbound Pass" [7][9] - The "Southbound Pass" aims to support mainland enterprises in Hong Kong by providing authorized data for financing, with 1,384 data verifications completed [9] Group 5: Data Security Measures - The platform has established a comprehensive security system for handling sensitive data, utilizing a dual-cloud architecture and various protective measures to ensure data safety [11][12] - The platform has achieved significant security certifications and has successfully passed national security tests, demonstrating its robust data protection capabilities [11][12]