人行自贡市分行：信用“金钥匙”破解中小企业融资难题

Core Insights - The establishment of the National Small and Micro Enterprises Fund Flow Credit Information Sharing Platform aims to enhance credit information connectivity for small and micro enterprises, facilitating direct access to credit funds [1][2] - The People's Bank of China (PBOC) in Zigong has implemented a dual-driven mechanism of "fiscal rewards + data empowerment" to improve financing accessibility for small enterprises, effectively mobilizing market resources [1][2] Policy Activation - The State Council issued guidelines to strengthen the construction of financial infrastructure for small and micro enterprises, including the establishment of the credit information sharing platform [2] - By the end of November 2025, the platform facilitated financing of 2.153 billion yuan, demonstrating the effectiveness of fiscal incentives [2] Innovation-Driven Financing - The Fund Flow Information Platform has enabled quick loan approvals for new businesses lacking credit history, such as a newly opened hotel that secured a 5 million yuan loan in a short time [3] - A manufacturing company specializing in electrical fittings received a 1 million yuan unsecured loan within two days, overcoming challenges related to collateral [3] Promotion and Collaboration - The PBOC in Zigong has guided financial institutions to utilize diverse data to create "cross-border credit profiles" for local enterprises, successfully providing 16.7 million yuan in financing to seven lantern enterprises [4] - The introduction of the "Salt Capital Quality Loan" has supported 51 out of 116 targeted enterprises with a total of 2.437 billion yuan in credit, achieving a minimum interest rate of 2.11% [4] - Financial support has also been directed towards rural revitalization, with 32 tea enterprises receiving 37.741 million yuan in loans [4] Awareness and Engagement - The PBOC in Zigong is enhancing the platform's visibility through a combination of online and offline promotional strategies, including innovative media content and targeted outreach events [5] - Future efforts will focus on consolidating the financial support framework to ensure sustainable growth for small enterprises and the local economy [5]