广西银税互动惠及中小微企业近五十万户——精准画像提高融资便利度

Core Insights - The Guangxi region has been enhancing the bank-tax interaction mechanism during the 14th Five-Year Plan period, facilitating the conversion of tax credit into financing credit for enterprises, thereby creating a virtuous cycle of "promoting credit through tax, exchanging credit for loans, and supporting enterprises with loans" [1] Group 1: Bank-Tax Interaction Mechanism - Since 2021, the total amount of bank-tax interaction loans in Guangxi has reached 806.69 billion yuan, benefiting nearly 500,000 small and micro enterprises [1] - The tax authority has included 20 items of information, such as tax credit levels and tax amounts, into the data-sharing scope to create precise profiles for enterprises in credit financing [1] - The optimization of the government-bank-tax data-sharing platform has reduced the credit approval time for enterprises to under 5 minutes [1] Group 2: Support for Small and Micro Enterprises - The establishment of a "data sharing + credit empowerment" mechanism in the China-Malaysia Qinzhou Industrial Park has effectively transformed the tax credit of technology-based small and micro enterprises into financing credit [2] - Guangxi Yunbo Health Technology Co., Ltd. received a 5 million yuan innovation loan through this mechanism to support its production line upgrades and new technology development [2] - Traditional financing methods often take over 3 months to complete, which does not meet the urgent funding needs for continuous R&D in rapidly evolving industries [2] Group 3: Recent Loan Disbursements - In the first ten months of this year, the cumulative amount of bank-tax interaction loans in Guangxi reached 147.17 billion yuan, primarily directed towards the manufacturing, wholesale and retail, and leasing and business service sectors, benefiting 76,000 small and micro enterprises [3] - The collaboration between banks and tax authorities has created a comprehensive credit financing conversion system, making tax credit a "golden key" for enterprise development [3] - The bank-tax interaction not only reduces lending risks for banks but also enhances the precision of credit issuance, promoting a cycle of "honest taxation - convenient financing - growth" that supports high-quality development of the real economy [3]