长期以来，中小微企业因财务制度不健全、缺乏有效抵押物等问题，在融资过程中面临重重困难。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"）的出现打破了这一困局，有效帮助 中小微企业尤其是信用白户、信用薄户、无抵押无担保的企业提高融资机会，降低融资成本。自资金流 信息平台上线以来，中国建设银行济宁分行依托该平台，有效推动资金流水转化为融资信用，助力信贷 资金精准直达中小微企业。目前，中国建设银行济宁分行已通过资金流信息平台促成4.37亿元贷款落 地，为百余家企业注入强劲金融动能，形成"数据增信、平台赋能、企业受益"的良性金融生态。 "没想到资金流水这么有用，像我们这么小的店面在申请几天后就获得了贷款。"济宁高新区茗韵茶庄商 行总经理曹忠峰惊喜地感叹道。"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，因此您公司的贷款审批非常顺利。"中国建设银行济宁高新支行对公客户经理代宝涵笑着说。 山东纳驰环境科技有限公司（以下简称"纳驰科技"）是一家以生物技术为基础，致力于环境综合治理解 决方案，打造区域资源循环生态产业链的环保综合服务商。公司经过11年发展，构筑了以技术平台、产 业平台、服务 ...

Core Viewpoint - The meeting focused on enhancing the national small and micro enterprise fund flow credit information sharing platform to support financial initiatives and improve credit services for local businesses [1] Group 1: Meeting Overview - The meeting was held at Xinghua Rural Commercial Bank and attended by key leaders from the People's Bank of China, Jiangsu Rural Commercial Bank, and local financial institutions [1] - The discussion aimed to implement the action plan for utilizing the national small and micro enterprise fund flow credit information sharing platform [1] Group 2: Future Initiatives - The meeting served as a platform for sharing experiences in fund flow information and aimed to deepen the application and innovation of the platform [1] - The local rural commercial banks plan to optimize credit service processes to provide more precise and efficient financial support to small and micro enterprises, contributing to high-quality local economic development [1]