全国中小微企业资金流信用信息共享平台（以下简称"平台"）上线一周年以来，中国人民银行东营市分 行将平台推广应用作为破解中小微企业融资瓶颈，赋能实体经济发展，助力谱写金融"五篇大文章"东营 答卷的有力抓手，引导银行机构完善平台应用机制，让资金流进来。截至今年10月末，东营全市29家平 台接入机构共查询资金流信息6100余次，帮助石油装备制造、绿色畜牧养殖等特色重点产业领域企业融 资26.3亿元。 构建推广应用机制 让等"贷"不再等待 "一直以来，中国人民银行东营市分行将平台的推广应用作为破解企业融资难题、优化区域营商环境的 重点工作来抓，银企两端发力，着力构建统筹引领、宣传推介、培训指导工作机制，以数据为媒破除信 息壁垒，以精准画像减轻抵押依赖。"中国人民银行东营市分行党委书记、行长马鹏飞告诉记者。 平台上线伊始，中国人民银行东营市分行就针对企业普遍反映的贷款痛点，指导银行机构将平台使用纳 入信贷流程，提高授信效率；开展平台应用专项培训活动5次，增强银行机构信贷审核人员的使用熟练 度、专业性；创新"周监测、月通报、季例会"工作机制，对辖内接入机构的查询量、授信额等进行动态 跟踪，提高平台使用质效。目前，东营市银 ...

Core Insights - The launch of the National SME Fund Flow Credit Information Sharing Platform aims to address the long-standing issue of "information islands" in SME financing [2] - The platform enables banks to better assess the creditworthiness of SMEs by integrating transaction data from multiple banks, thus facilitating access to financing [4][6] Group 1: Platform Impact on SMEs - The platform has allowed the Industrial and Commercial Bank of China (ICBC) to provide over 453 million yuan in credit to 174 SMEs, transforming dormant cash flows into quantifiable credit assets [2] - A construction equipment company, previously limited by traditional credit assessments, saw its credit limit increase from 60,000 yuan to 3 million yuan after integrating its transaction data into the platform [3][4] - An environmental technology company benefited from the platform by receiving a tailored credit limit that matched its project funding needs, significantly improving its financial flexibility [6][7] Group 2: Challenges Faced by SMEs - Many SMEs struggle with financing due to their light asset base, lack of collateral, and fragmented information, which traditional banking models fail to address [2][3] - The environmental technology company faced long project cycles and urgent funding needs, which traditional credit assessments could not accommodate, leading to a mismatch in credit availability [6][7] Group 3: Bank's Response and Strategy - ICBC has proactively engaged with SMEs to promote the new platform, demonstrating a commitment to enhancing financial support for local businesses [3][6] - The bank has developed a dual-driven model combining platform data and internal risk control to create a comprehensive credit profile for SMEs, effectively converting their digital footprints into credit wealth [7]

广东的科创团队因研发资金告急辗转难眠，贵州的薏仁米种植企业为扩大产能愁眉不展，重庆的养老机构因缺抵押融资屡屡碰壁——这些曾困扰无数中小 微企业的发展难题，如今正被一个平台破解。 一年多时间里，资金流信息平台做了哪些工作，取得了哪些成绩？根据记者从征信中心了解到的情况，在征信中心与中国各级分支机构的协同推动下，各 金融机构加速接入资金流信息平台。截至2025年10月底，资金流信息平台有1828家法人机构接入，为6600多万户企业建立了资金流信用档案，实现了1亿 多个企业结算账户资金流信用信息共享，基本实现了全国范围内企业主体的全覆盖。 "目前，各金融机构正持续拓展平台应用场景，积极开发'资金流信用信息+'特色金融产品，将沉寂的数据资源转化为企业的'信用资产'，推动信贷资金精 准流向实体经济重点领域与关键环节。"征信中心有关业务负责人披露，截至2025年10月底，金融机构已依托资金流信息平台累计发放贷款超1.5万亿元。 其中，支持普惠金融授信8369亿元，支持中小微企业融资13948亿元，让"数据"真正转化为了企业发展的"真金白银"。 为科创活力"破局铺路" "技术硬但家底薄"，是科创企业的普遍痛点。轻资产、缺抵 ...

Core Insights - The People's Bank of China, Zhejiang Branch, is leveraging the national small and micro enterprise fund flow credit information sharing platform to enhance financial services for traditional industries, ecological value transformation, and marine economic development, supporting high-quality regional economic growth [1] Group 1: Financial Support for SMEs - Financial institutions in Zhejiang have conducted 996,000 queries on the fund flow information platform, supporting nearly 41,000 small and micro enterprises with credit financing exceeding 175 billion yuan by September 2025 [1] - The platform enables banks to analyze enterprises' credit profiles based on transaction flows, tax payments, and utility bills, facilitating customized credit solutions for businesses facing financing challenges [1] Group 2: Case Studies of Financial Empowerment - TaNiang (Shaoxing) Wine Culture Communication Co., a traditional yellow wine enterprise, received a 4 million yuan credit line from Chouzhou Bank after the bank utilized the fund flow information platform to assess the company's stable operations and good credit [1] - Anji Water Drip Stone Penetration Tourism Development Co. secured a 3 million yuan credit loan from Anji Rural Commercial Bank, which was based on the company's stable daily cash flow of 28,000 yuan during peak seasons, enabling the development of competitive tourism products and increasing occupancy rates of nearby inns by 35% [2] - Zhoushan Hai Ri Sheng Aquatic Products Co., facing financing difficulties due to low profit margins and high debt ratios, received a 70 million yuan loan from Dinghai Ocean Rural Commercial Bank within seven working days, thanks to the analysis of its stable supply chain and healthy cash flow through the fund flow information platform [2]

Core Insights - The establishment of the National Small and Micro Enterprises Fund Flow Credit Information Sharing Platform aims to enhance the credit information sharing among financial institutions, thereby improving the financing efficiency for small and micro enterprises [1][2] Group 1: Platform Implementation and Coverage - The platform has been fully integrated with 15 national banks and 3 local banks in Gansu Province, achieving comprehensive coverage of major banking institutions [1] - Since its launch, the platform has facilitated 53,200 queries for fund flow credit information, enabling small and micro enterprises to secure over 11 billion yuan in financing, benefiting 2,876 enterprises [1] Group 2: Impact on Credit Access - The platform provides a comprehensive view of enterprises' financial activities, including nearly three years of income and expenditure records, which aids financial institutions in making informed credit decisions [2] - The proportion of pure credit loans issued to small and micro enterprises has reached 27.3%, indicating a shift towards less reliance on collateral [2] Group 3: Risk Management and Efficiency - Financial institutions are utilizing platform data to enhance risk management through data-driven models, moving away from traditional expert judgment [3] - The integration of platform data into banks' credit systems has significantly reduced loan approval times from 15-20 days to as little as 1-3 days, addressing the issue of slow loan processing [4] Group 4: Future Development - The People's Bank of China in Gansu Province plans to continue promoting the platform to further support the financing development of small and micro enterprises, encouraging innovation in financial products and services [4]

Core Insights - The National SME Fund Flow Credit Information Sharing Platform is set to launch on October 25, 2024, aimed at improving financing efficiency for small and micro enterprises [2] - The platform will facilitate access to credit information for banks, helping to address challenges faced by enterprises lacking collateral or credit history [2] Group 1: Service Overview - Target Audience: The platform primarily serves small and micro enterprises, including individual businesses [2] - Service Providers: Key participants include state-owned commercial banks, national joint-stock banks, rural commercial banks, and urban commercial banks [2] - Service Offerings: The platform provides information support for bank credit and loan management, allowing enterprises to authorize banks to access their fund flow credit information [2] Group 2: Operational Mechanism - Data Account Creation: Each small and micro enterprise will have a dedicated data account, with the option to share information with financial institutions [3] - Authorization Process: Enterprises can authorize banks to access their fund flow credit information through a secure process involving identity verification and authorization confirmation [3] Group 3: Application and Impact - Local Implementation: The Jining branch of the People's Bank of China is actively promoting the platform as a key tool for enhancing financial services to the real economy [3] - Results: As of September 2025, 35 pilot banks have facilitated 2,100 loans totaling 9.314 billion yuan to 1,625 enterprises, with 97% of these loans going to small and micro enterprises [3]

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]