宁夏中小微企业资金流信用信息共享平台显效 超124亿元授信精准滴灌实体经济

Core Insights - The Ningxia Small and Micro Enterprises Fund Flow Credit Information Sharing Platform has effectively provided over 12.4 billion yuan in credit support to the real economy, addressing financing difficulties faced by small and micro enterprises [1] Group 1: Platform Overview - As of December 2025, 22 local banks in Ningxia have connected to the national credit information sharing platform for small and micro enterprises [1] - The platform has enabled financial institutions to provide credit support to 2,352 enterprises, with 3.92 million yuan in loans issued to 247 enterprises that had never received bank loans before [1] Group 2: Service Structure and Efficiency - The platform's credit issuance aligns with the needs of small and micro enterprises, with 96.43% of credit allocated to these businesses and 81.36% of loans being small credits under 5 million yuan [2] - Some banks have optimized their credit assessment models using platform data, resulting in a 40% increase in approval efficiency [2] Group 3: Implementation and Training - The People's Bank of China Ningxia Branch has established a multi-level promotion system to facilitate the platform's application, utilizing a dual approach of policy guidance and performance incentives [2] - A comprehensive training program has been implemented, covering over 3,200 personnel through more than 180 training sessions, transitioning financial institutions from passive to proactive engagement with the platform [2]