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 local financial institution, Songzi Rural Commercial Bank, is effectively supporting small and micro enterprises through innovative financing solutions, particularly the "E-Zhi Loan," which has significantly improved access to credit for businesses lacking collateral [1][2]. Group 1: Financial Innovation and Support - The "E-Zhi Loan" has been described as a timely support for enterprises, providing essential funding for development and demonstrating the responsibility of local financial institutions in aiding the real economy [1]. - A specific case involves a provincial high-tech enterprise in the limestone mining and processing sector, which faced funding shortages for raw material procurement due to a lack of collateral. The bank's branch tailored a credit solution and expedited the process through a "green channel" [1][2]. - The bank completed the loan process of 9.8 million yuan in just five working days, utilizing an "online application + offline verification" model, which allowed the company to accelerate its production capacity [2]. Group 2: Economic Impact and Job Creation - The project supported by the loan is expected to produce an annual output value exceeding 80 million yuan, with annual tax contributions surpassing 10 million yuan and creating job opportunities for nearly 100 people in surrounding villages [2]. - Over the past three years, the bank's branch has provided financing support exceeding 500 million yuan to over 1,000 small and micro enterprises, with a notable increase in the proportion of credit loans to 35% and an average approval time reduced to under five working days [2]. Group 3: Future Plans and Strategies - The bank plans to deepen collaboration among government, banks, and enterprises, expand the coverage of the "E-Zhi Loan," promote a "borrow and repay as needed" credit model, and implement interest rate discounts to enhance financial services for more market participants [3].