济南工行创新数智产品 数据要素激活金融动能

Core Insights - The "Qianrong e-loan" is an innovative online financing product launched by Jinan Industrial and Commercial Bank, aimed at enhancing the operation and promotion of the "Qianrongtong" platform, marking a significant step in transforming government data into financial production factors [1][3] Group 1: Innovation in Financing - The core highlight of "Qianrong e-loan" lies in its dual breakthroughs in credit and product models, utilizing multi-dimensional government data such as social security, medical insurance, and housing fund as primary credit references, thus broadening the credit assessment dimensions and enhancing precision [2] - The project has effectively addressed the financing difficulties faced by small and micro enterprises by integrating local characteristics with the bank's models, creating a comprehensive and controllable government scenario financing model [2] Group 2: Benefits to Small and Micro Enterprises - "Qianrong e-loan" serves 1.14 million small and micro enterprises in Jinan, allowing them to apply online and receive system approvals autonomously, thus alleviating the information asymmetry between banks and enterprises [3] - Since its launch, "Qianrong e-loan" has granted credit to 6,247 enterprises totaling 3.812 billion yuan, with 2,814 enterprises withdrawing 1.912 billion yuan, effectively channeling financial resources into the real economy [3] Group 3: Data Security and Compliance - Jinan Industrial and Commercial Bank has established a deep collaboration with the "Qianrongtong" platform to ensure data security, including signing agreements to clarify legal responsibilities and building dedicated business transmission lines [4] - Advanced technologies such as blockchain encryption, "trusted space," and "data sandbox" are employed to ensure the secure and compliant use of authorized data, while the product strictly adheres to legal and regulatory requirements [4] - The bank aims to further extend the existing model to agricultural industries and innovative enterprises, contributing to the digital transformation of inclusive finance [4]