Core Viewpoint - The article highlights the innovative "流水e贷" (Flow Loan) product launched by Agricultural Bank of China in Hunan province, aimed at supporting small and micro enterprises by providing credit based on transaction data rather than traditional collateral [10][11]. Group 1: Product Overview - "流水e贷" is a credit loan product that leverages transaction data from the "Hunan Province Enterprise Income and Expenditure Flow Credit Platform," which integrates data from 2.66 million enterprises across various banks [10]. - The product allows for a maximum credit limit of up to 5 million yuan, with the approval process being fully automated and completed online [11]. Group 2: Impact on Businesses - The product has significantly benefited companies like Hunan Fufeng Fertilizer Co., which reported a 20% year-on-year increase in organic fertilizer revenue and a 30% increase in compound fertilizer revenue after obtaining the loan [10]. - As of the end of May, the Hunan branch of Agricultural Bank had issued credit to 24,000 clients, amounting to 14.7 billion yuan, and disbursed loans to over 7,460 clients, totaling 10.7 billion yuan [11]. Group 3: Market Reception - The introduction of "流水e贷" has been well-received, with the product being described as a key offering for supporting small and micro enterprises and enhancing the quality of service to the real economy [11].