数据赋能续贷纾困，赣州银行以资金流平台助力产业集群壮大发展

Core Insights - The establishment of the national small and micro enterprise fund flow credit information sharing platform is crucial for enhancing the credit system of small and micro enterprises and deepening inclusive finance in Jiangxi Province [1][2] - Ganzhou Bank has actively utilized the data from the fund flow platform to optimize its service model, particularly in the area of non-repayment renewal loans, thereby providing essential financial support to local enterprises [1][2] Group 1 - The fund flow platform has been integrated into the entire credit management process of Ganzhou Bank, allowing for precise monitoring and support for enterprises like a key player in the high-end furniture hardware sector [1][2] - A specific case involved a smart technology company that received a 10 million yuan loan for one year, which was renewed without requiring the company to repay the principal, thus alleviating their cash flow concerns [2][3] Group 2 - As of January 2026, Ganzhou Bank has processed non-repayment renewal loans for 89 small and micro enterprises, totaling 256 million yuan, with a significant increase in renewal rates compared to the previous year [2] - The bank plans to continue leveraging the fund flow platform to enhance its services for technology-driven and innovative small and micro enterprises, shifting from asset-based to cash flow-based credit assessments [3]