3.14亿元信用“活水”精准滴灌141家中小微企业

Core Insights - The People's Bank of China in Haidong City has successfully promoted a national credit information sharing platform for small and micro enterprises, addressing their financing challenges and achieving significant results [1][2] Group 1: Financing Achievements - As of early December this year, financial institutions in Haidong City have completed a total of 290 credit approvals through the platform, supporting 141 small and micro enterprises with financing amounting to 314 million yuan [1] - The platform has enabled a shift in credit models from "collateral-dependent" to "credit-enabled," facilitating access to funds for businesses lacking collateral [2] Group 2: Case Studies - A soft film composite packaging bag manufacturer received a 2 million yuan working capital loan from Qinghai Bank Haidong Branch after the platform analyzed its cash flow [2] - A halal food processing enterprise was granted a 300,000 yuan "micro-enterprise credit loan" based on integrated data from its account flow, tax, and social security [2] - A cultural tourism enterprise secured a 4.19 million yuan loan for refinancing, positively impacting 300 low-income farmers through its "company + farmers + base" model [2]