转自：新华财经 在甘肃，一场静默却深刻的金融革命正在逐步改变着西部企业的融资生态。通过中国人民银行动产融资 统一登记公示系统（以下简称"统一登记系统"），这片土地上沉睡的资产正在被一一唤醒，从马铃薯订 单到活体肉牛，从光伏电费到取水权证，一系列动产纷纷转化为企业发展的金融"活水"。 动产变现：撬动"轻资产"融资闸门 "牛在圈里吃草，钱已到账上。"临夏州和政县养殖公司负责人至今仍觉得不可思议。通过手机操作，公 司饲养的600余头肉牛在统一登记系统完成活体抵押登记，很快就获得了300万元贷款，利率还优惠了 0.45个百分点。 类似场景在甘肃多地不断上演。庆阳永和源果品公司以生产设备和存货作抵押，获得甘肃农信990万元 贷款，盘活了近2000万元的沉睡资产；民乐县园区水务公司凭借取水权质押，获得兰州银行500万元贷 款，开创了甘肃水权融资的先例。 这些转变，都源于统一登记系统的应用。该系统由中国人民银行征信中心搭建，提供生产设备、原材 料、应收账款等动产和权利担保统一登记及查询服务，公示物权权利状况，确定物权优先顺位，提高动 产担保交易的效率与透明度，预防和解决权利冲突，增强担保权人权利实现的确定性。统一登记系统提 ...

Core Viewpoint - The financing challenges faced by small and micro enterprises in China are a long-standing concern, but recent government policies have increased support, leading to significant growth in inclusive finance for these businesses [1][3]. Group 1: Financing Growth and Structure - As of February 2025, the balance of inclusive loans for small and micro enterprises reached 33.9 trillion yuan, with a year-on-year growth rate of 12.6%, surpassing the overall loan growth by 5.7 percentage points [3]. - The balance of credit loans reached 9.4 trillion yuan, with a year-on-year growth of 25.8%, and credit loans now account for 27.6% of inclusive loans, an increase of 2.9 percentage points from the previous year [3]. Group 2: Challenges in Credit Assessment - Small and micro enterprises often lack standardized financial reporting, making it difficult to collect and integrate data from various operational aspects [4]. - Traditional credit assessment models rely heavily on strong collateral and static financial data, which do not adequately reflect the dynamic and flexible nature of small and micro enterprises [6]. Group 3: Innovations in Credit Evaluation - Recent efforts by relevant departments and banks have focused on improving credit assessment for small and micro enterprises by increasing the dimensions of evaluation, addressing the information asymmetry between banks and enterprises [8]. - The use of big data, machine learning, and artificial intelligence has enabled financial institutions to create more comprehensive and accurate credit profiles for small and micro enterprises, enhancing the efficiency of the credit approval process [8]. Group 4: Successful Initiatives - The "Silver Tax Interaction" initiative allows small and micro enterprises with good tax credit ratings to convert their tax credit into financing credit, improving their access to loans and reducing banks' risk management costs [10]. - The "Credit Easy Loan" platform integrates various credit information sources, facilitating easier access for financial institutions to obtain multi-dimensional credit data, thus supporting the development of pure credit and rapid approval financing products [10]. Group 5: Future Outlook - The deep application of digital credit technologies is reshaping the financing ecosystem for small and micro enterprises, leading to improved approval efficiency and reduced risk management costs for financial institutions [10]. - As technology advances and data value is fully realized, the credit profiles of small and micro enterprises will become clearer, injecting vitality into their innovative aspirations and laying a solid foundation for high-quality economic development in China [10].

Core Insights - The 2025 Lujiazui Forum has commenced with the theme of "Financial Opening and Cooperation in the Global Economic Landscape," showcasing advancements in AI and digital credit technologies in reshaping the financial ecosystem [1] - Ping An Group's financial subsidiary, OneConnect, emphasizes a customer service philosophy of "saving worry, time, and money," aligning with market trends to support innovation through technology-driven solutions [1] Group 1: Small and Micro Enterprises Financing - A case study highlights a ceramic small business owner in Jiangxi facing financing challenges due to traditional credit models that require collateral, leading to delays in funding [2] - A local city commercial bank introduced a specialized loan product for ceramic small businesses, utilizing transaction data and tax records to create "digital credit," significantly reducing the approval process to 24 hours [2][3] - The collaboration between OneConnect and the Jiangxi city commercial bank has resulted in a "Inclusive Financing Service Platform," improving loan approval efficiency by 12% and achieving a monthly loan amount of 300 million yuan for ceramic small enterprises by mid-2025 [3] Group 2: Digital Transformation in Financial Services - OneConnect's digital solutions have enhanced the efficiency of loan processes, with a private bank reporting over a 40% increase in loan processing efficiency after implementing a comprehensive digital credit solution [3] - The introduction of the "Jin Jie Ying AI Mortgage Solution" has automated 92% of mortgage processes, increasing productivity for customer managers by six times and providing a more efficient financing channel for small businesses and farmers [4] - The integration of AI technology across various financial services has led to significant operational improvements, such as a 25% increase in claims processing efficiency for an insurance company and a 50% reduction in policy issuance time for life insurance [5][6] Group 3: Ecosystem Development and Impact - OneConnect's services have reached over 2 million small and medium-sized enterprises, contributing to an inclusive loan balance of 32.93 trillion yuan, and promoting a "data credit" model in rural industries [7] - The company collaborates with government and regulatory bodies to enhance financial technology infrastructure, achieving a 40% increase in loan efficiency and a 50% improvement in AI risk control capabilities [7] - The overarching goal is to embed technology into the financial ecosystem, facilitating a symbiotic relationship between finance and industry, thereby contributing to a "Chinese paradigm" in global inclusive finance development [8]