济南担保开启“数智金融”新篇章

Core Viewpoint - The integration of new technologies to address financing challenges for enterprises is crucial for enhancing the business environment and supporting economic development, exemplified by the "Jidang" series of products from Jinan Financial Group [1] Group 1: Financing Solutions - Jinan Guarantee has launched the "Jidang-Entrepreneur Loan" as a successful practice in digital financial services aimed at promoting inclusive finance [2] - The loan product has reduced the comprehensive financing cost for entrepreneurs to 1.75%, with a maximum loan term of 3 years and up to 3 loan applications allowed [2] Group 2: Digital Transformation - The "Jidang-Entrepreneur Loan" has undergone comprehensive digital transformation, breaking down information barriers between government departments, financial institutions, and guarantee agencies [2] - The average processing time for loan applications has been reduced from 15 working days to under 5 days, with a 60% reduction in business steps and a 70% immediate completion rate [3] Group 3: Policy Promotion - The service model has shifted from a passive "enterprises seek policies" approach to an active "policies seek enterprises" model, enhancing the efficiency of policy resource utilization [4] - A "white list" mechanism has been established to automatically identify potential beneficiaries of policy support, successfully connecting with nearly 40,000 entrepreneurial entities [4] Group 4: Performance Metrics - From January to November this year, Jinan has issued 3,521 new entrepreneurial guarantee loans totaling 1.368 billion yuan, maintaining the second-highest issuance volume in the province for two consecutive years [5] - The digital upgrade of the entrepreneurial guarantee loan business has provided guarantees exceeding 5.3 billion yuan, directly supporting 16,520 entrepreneurs and stabilizing over 34,000 jobs [5]