Core Insights - The People's Bank of China (PBOC) in Yunfu is leveraging a national credit information sharing platform for small and micro enterprises to enhance financial resource allocation and activate industrial momentum while managing risks effectively [1][2][9] Financial Product Innovation - A new financial product combining "fund flow data penetration + industry adaptation" has been launched to support key areas such as consumption activation, county revitalization, and green transformation [1][2] - By August 2025, six pilot financial institutions in Yunfu had utilized the fund flow information platform to process 1,439 inquiries and issue 682 loans totaling 1.961 billion yuan, with 48 "credit white households" receiving 133 million yuan in credit support [2] Credit Assessment and Approval Process - A credit assessment model based on "fund stability" was developed, allowing for rapid loan approvals, exemplified by a case where a loan of 1 million yuan was approved within one day for a company in the elderly care sector [3] - The platform has enabled "credit white households" to obtain loans based on daily operational data, transforming previously overlooked transaction data into credit credentials [5][6] Collaborative Efforts and Community Engagement - The PBOC in Yunfu has established a multi-departmental communication mechanism to promote the platform, integrating efforts from various government and financial institutions to enhance support for private enterprises [4] - Activities such as policy seminars and case-sharing sessions have reached over 1,000 small and micro enterprises, improving their understanding and utilization of the platform [4] Impact on Financing and Costs - The first loan approval rate for "credit white households" has increased by 27 percentage points since the platform's launch, with average financing approval times reduced by 50% [7] - Some enterprises have experienced a 10 basis point reduction in loan interest rates compared to 2024, indicating a significant decrease in financing costs [7] Agricultural Financing Innovations - The introduction of the "Yunnan Agricultural Copyright Loan" allows agricultural enterprises to use copyright as collateral, effectively addressing the financing challenges faced by agricultural operators [8] - This model combines copyright pledges with fund flow data to enhance creditworthiness, benefiting 1,297 new agricultural operators and 47,500 farmers through a tailored credit scheme totaling 4 billion yuan [8] Future Directions - The PBOC in Yunfu plans to continue expanding the application scenarios of the fund flow information platform, aiming to integrate credit and industry to further support the development of the local economy [9]