人民银行金昌市分行以征信服务破解融资难题，助推地方高质量发展

Core Insights - The People's Bank of China Jinchang Branch focuses on addressing financing challenges for small and micro enterprises and farmers through innovative credit services and platforms, creating a positive cycle of "credit promotes financing, financing supports development" [1] Group 1: Supply Chain Financing - Since 2020, the Jinchang Branch has promoted online supply chain financing, achieving significant growth with 80% of core enterprises in the province connected to the platform, including JinChuan Group and Tianmu Dairy [3] - By the end of December 2025, the platform facilitated 545 financing transactions for 96 small and micro enterprises, amounting to 1.16 billion yuan, with year-on-year increases of 34.57% in transaction volume and 16.32% in amount, leading the province [3] - The annualized interest rate for accounts receivable financing in Jinchang City ranges from 3.7% to 5%, which is 2.5 percentage points lower than the average loan rate for small and micro enterprises in the city [3] Group 2: Credit Information Platform - The Jinchang Branch established a credit information platform to assist "credit white households" lacking credit records, promoting the platform through various channels and achieving over 4,000 reads [4] - By the end of December 2025, the platform issued loans totaling 365 million yuan to small and micro enterprises, with 21.6% of the loan recipients being "credit white households" [4] - The platform significantly reduced the time for loan disbursement by 15% compared to traditional methods, enhancing financing efficiency [4] Group 3: Credit Relief Initiatives - The Jinchang Branch has implemented "credit relief" measures for enterprises, farmers, and individual businesses, providing over 150 million yuan in credit relief through loan renewals and restructuring [6][7] - Approximately 96 million yuan in special relief loans were issued to technology-based and agricultural enterprises, alleviating financing difficulties and credit pressures [7] - The initiatives have helped restore credit for 25 individuals and supported the overall economic development of the region by improving the business environment and stabilizing employment [7]