菏泽“惠菏金”数字化赋能普惠金融，累计撬动近70亿元信贷资金

Core Insights - The "Hui He Jin" platform in Heze, Shandong, is a public financial service platform that leverages digital and intelligent service models to address financing challenges for small and micro enterprises, farmers, and new citizens, becoming a model for inclusive finance in the region [1] Group 1: Platform Achievements - As of November 2025, "Hui He Jin" has aggregated 471 financial products and attracted 868 bank employees to provide services [1] - The platform has served 42,624 registered users, addressing over 21,000 financing needs and mobilizing credit funds amounting to 6.953 billion yuan [1] Group 2: Successful Case Studies - The platform facilitated a quick loan of 1 million yuan for a vegetable farmer in Dongming County, with funds disbursed on the same day after a rapid approval process [2] - A cooperative in Dingtao District received 1.5 million yuan through the "Lu Dan Hui Nong Loan" to purchase fertilizers after posting their funding needs on the platform [2] - A cattle farmer in Yuncheng County secured 1.2 million yuan within three days through the "Nong Shang Hui Min Loan" to expand their breeding operations [2] - A new citizen delivery rider obtained 200,000 yuan via the "Mu Dan Personal Consumption Loan" to stabilize his life in the city [2] Group 3: Operational Process - The "Hui He Jin" WeChat mini-program allows users to complete loan applications in three steps without needing to go offline [3] - The process includes user registration and authentication, product matching based on user needs, and application tracking for transparency and efficiency [3] - The platform has upgraded to version 2.0, incorporating five strategic matrices including technology finance, consumer finance, rural finance, green finance, and services for new citizens [3] Group 4: Financial Impact - The "No Repayment Renewal Loan" feature has facilitated 8.23 billion yuan in renewal loans for 122 small and micro enterprises, effectively reducing their refinancing costs [3] - The platform covers 34 financial institutions' credit products, catering to diverse financing needs for small enterprises, farmers, new citizens, and personal consumption [3]