"没想到资金流水这么有用，像我们这么小的企业在申请第二天就获得了贷款。"武汉某文化传媒有限公 司负责人周先生惊喜地感叹道。"不仅是快，数据显示您公司资金往来合规有序，应收账款周转率稳 定，因此您公司的贷款利率也降低了。"农业银行湖北省分行工作人员说。作为一家专注于线上短剧拍 摄与推广业务的影视类小微企业，影视项目拍摄常存在临时性资金缺口。但受限于成立时间短、经营规 模小且缺乏抵押物等因素，在传统信贷模式下，此类小微企业很难获得银行授信支持。 对此，农业银行湖北省分行指导企业授权银行查询其近一年的他行流水、交易对手、回款周期等关键资 金流数据。最终，客户经理高效完成贷前调查与信用评估，当日即为企业定制了纯信用普惠贷款方案， 第二日即成功发放150万元贷款，利率还较传统贷款低1个百分点，解了企业的燃眉之急。 2025年以来，中国人民银行湖北省分行通过"建立机制、强化培训、深度调研、广泛宣传"四项举措，大 力推动全国中小微企业资金流信用信息共享平台（以下简称"资金流信息平台"）在辖内高效落地应用， 充分发挥征信力量，助力做好金融"五篇大文章"。 "人多力量大，柴多火焰高"。中国人民银行湖北省分行在横向协同上，联合地 ...

Group 1 - A-shares showed mixed performance on November 4, with the Shanghai Composite Index turning positive [1] - The Tianhong Bank ETF (515290) rose by 1.83%, with a peak increase of 1.9% during the trading session, and a trading volume of 227 million yuan [1] - Among the constituent stocks, Xiamen Bank increased by over 5%, while several other banks including Shanghai Bank, CITIC Bank, and China Merchants Bank saw gains exceeding 2% [1] Group 2 - The Tianhong Central State-Owned Enterprise Dividend ETF (159281) in the Hong Kong market rose by 0.49%, with a trading volume exceeding 28 million yuan [1] - The ETF tracks the Central State-Owned Enterprise Dividend Index, focusing on sectors with stable cash flows such as finance and energy, making it attractive during a declining interest rate cycle [1] - The first batch of four foreign banks in Shanghai has successfully connected to the national small and micro enterprise credit information sharing platform, with a second batch expected by October 2025 [2] Group 3 - The People's Bank of China has renewed a bilateral currency swap agreement with the Bank of Korea, with a scale of 400 billion yuan / 70 trillion won, valid for five years [2] - Core revenue for listed banks improved in Q3 2025, with a slight slowdown in growth rate and a narrowing decline in interest margins, while asset quality remained stable [2] - Market style shifted in Q3 2025, with bank stock holdings dropping to historical lows, yet the core revenue capacity of the banking sector showed enhancement [2]