Core Insights - The establishment of the national small and micro enterprise fund flow credit information sharing platform by the People's Bank of China aims to alleviate financing difficulties for small and micro enterprises by providing clear insights into their operational vitality and creditworthiness [1][3] Group 1: Financial Services for Small and Micro Enterprises - The fund flow information platform integrates nearly three years of transaction data, enabling banks to assess the financial health and repayment capabilities of enterprises, thus breaking down information barriers [1] - As of May 2025, Guangfa Bank has utilized the platform to query enterprise transaction data 14,700 times and has issued over 10 billion yuan in credit, with 99% directed towards small and micro enterprises [1][2] Group 2: Case Studies of Successful Financing - A management company in Zhanjiang, established in 2022, received an 8.62 million yuan loan from Guangfa Bank after demonstrating strong operational activity through the fund flow information platform, which showed 86 transactions totaling 10.9 million yuan [2] - A pharmaceutical company in Heyuan secured 10 million yuan in credit support after the bank analyzed its healthy operational data, which included 267 transactions and a total fund flow of 31.97 million yuan over the past six months [2] Group 3: Innovations in Financial Products - Guangfa Bank has been actively implementing inclusive finance policies by launching specialized products such as "Technology E-loan" and "Specialized and New E-loan," along with comprehensive financial services to support small and micro enterprises [3] - The bank aims to deepen the application of the fund flow information platform, expand credit scenarios, and innovate financial products to meet the diverse needs of enterprises [3]

4月28日，《证券日报》记者从中国人民银行宁夏回族自治区分行（以下简称"人民银行宁夏区分行"） 召开的新闻发布会上获悉，目前，越来越多的宁夏企业利用"全国中小微企业资金流信用信息共享平 台"获得了授信，授信企业和授信金额大幅增长的同时，一些未贷过款的信用"白户"企业也首次获得了 贷款，宁夏推动企业利用资金流信用信息融资成效初显。 据介绍，为充分发挥中小微企业资金流信用信息价值，支持中小微企业更好获得融资服务，中国人民银 行组织建设了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"），并于2024年10 月份上线试运行。目前，国有银行、股份制银行等31家金融机构参与试运行工作。 人民银行宁夏区分行征信管理处处长梁非哲向《证券日报》记者表示，推广应用5个月以来，人民银行 宁夏区分行采取多项措施大力推动金融机构依托资金流信用信息服务于企业融资。截至目前，辖区全国 性金融机构已向200余户企业授信近7亿元，其中25户企业通过资金流信息增信首次获得贷款，2025年3 月份，授信企业和授信金额环比分别增长2.69倍、5.64倍，显示出通过资金流信用信息获得融资服务的 新模式正逐步获得中小微企业的认可。 资 ...

"我们企业一直因为没有合适的抵押品，融资难度大，听银行工作人员说现在资金流信息也可以作为贷 款依据，为企业增信，就抱着试一试的心态去申请了贷款，没想到真批下来了。"内蒙古自治区某焊业 有限公司负责人说道。该公司是一家主要从事焊接材料及相关产品研发、生产和销售的制造企业，因流 动性资金出现短缺，且无可抵押资产，难以通过贷款审核。招商银行呼和浩特分行了解到企业融资需求 后，第一时间向其介绍了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"），并 指导企业完成授权操作。通过查询资金流信息平台共享的企业流水信息，综合分析研判企业的财务状况 和经营周期，对其偿债能力进行更准确的评估，最终成功为其提供了250万元流动资金贷款。 资金流信用信息在中小微企业交易过程中形成，能够全生命周期地动态反映企业经营状况、收支状况、 偿债能力、履约行为，是中小微企业重要的信用信息之一。该平台由中国人民银行组织金融机构共同建 设，自去年10月平台上线试运行以来，中国人民银行内蒙古自治区分行把宣传推广资金流信息平台作为 金融便民利企的重要切入点和着力点，组织金融机构积极探索资金流信息平台应用场景，创新信贷产 品，充分发挥资金 ...