乐山市商业银行：接入资金流平台，激活中小微融资新引擎

Core Insights - The value of data elements in inclusive finance is increasingly prominent, with the improvement of credit information sharing systems being a key focus to address the financing difficulties faced by small and micro enterprises [1][2] - The establishment of the fund flow platform, led by the People's Bank of China, aims to enhance credit information sharing and support the financing of small and micro enterprises, particularly those without credit records [2] Group 1: Data Utilization and Financial Services - The fund flow platform has been successfully integrated by Leshan Commercial Bank, making it the first local financial institution in Leshan to connect to this national platform [1][2] - Within a week of integration, Leshan Commercial Bank utilized the platform's data to conduct a precise risk assessment and issued a loan of 5 million yuan to a company, demonstrating the platform's impact on credit approval efficiency [1][3] Group 2: Impact on Small and Micro Enterprises - The fund flow platform consolidates nearly three years of enterprise cash flow information, enhancing the accuracy of credit risk assessments for small and micro enterprises [2] - This initiative aims to break the information isolation phenomenon and improve the efficiency of bank credit reviews, encouraging more financial resources to support the development of small and micro enterprises [2]