21世纪经济报道记者 曹媛 深圳报道 征信，正成为破解中小企业融资难、融资贵的关键抓手。 2025年征信工作会议明确"持续加大对科技创新、普惠小微、绿色发展等重点领域的征信支持力度，有 效增加专业化特色化征信供给。" 征信数据为何对企业融资如此重要？核心在于它能破解融资活动中最关键的"信息不对称"难题——资金 供给方与需求方之间，存在对还款能力、履约意愿的信息差，而征信通过数据整合、信用评估，为双方 搭建了信任桥梁，直接决定融资的可能性、成本与效率。 在深圳，这一需求尤为迫切。一方面，总部经济发达，大量企业以深圳为研发总部，业务网络辐射全国 乃至全球，供应链条长，产业链上下游协作企业多。 另一方面，深圳中小微科创企业、电商企业、跨境物流企业数量庞大，这类企业普遍具有轻资产运营， 缺乏厂房、设备等传统抵押物的特征，但经营过程中沉淀了海量纳税数据、发票流水、物流订单、研发 投入等数字化资产。 上述企业特点为深圳征信机构打开广阔市场空间。如总部位于深圳的微众信科，于2014年成立，2015年 获得国家企业征信备案。截至目前，微众信科累计输出超过4000万份征信报告，助中小微企业获得信用 融资超过万亿元。 到底如何解 ...

（原标题：21专访｜微众信科王锦胤：从数据"深挖"到场景"深入"） 21世纪经济报道记者 曹媛 深圳报道 征信，正成为破解中小企业融资难、融资贵的关键抓手。 2025年征信工作会议明确"持续加大对科技创新、普惠小微、绿色发展等重点领域的征信支持力度，有 效增加专业化特色化征信供给。" 征信数据为何对企业融资如此重要？核心在于它能破解融资活动中最关键的"信息不对称"难题——资金 供给方与需求方之间，存在对还款能力、履约意愿的信息差，而征信通过数据整合、信用评估，为双方 搭建了信任桥梁，直接决定融资的可能性、成本与效率。 在深圳，这一需求尤为迫切。一方面，总部经济发达，大量企业以深圳为研发总部，业务网络辐射全国 乃至全球，供应链条长，产业链上下游协作企业多。 另一方面，深圳中小微科创企业、电商企业、跨境物流企业数量庞大，这类企业普遍具有轻资产运营， 缺乏厂房、设备等传统抵押物的特征，但经营过程中沉淀了海量纳税数据、发票流水、物流订单、研发 投入等数字化资产。 上述企业特点为深圳征信机构打开广阔市场空间。如总部位于深圳的微众信科，于2014年成立，2015年 获得国家企业征信备案。截至目前，微众信科累计输出超过40 ...

21世纪经济报道记者 曹媛 深圳报道 当前，我国正大力发展多层次征信市场，广泛覆盖全社会征信需求。 个人征信方面，先后批设了3家市场化个人征信机构。2024年，个人征信机构提供信用评分、信用画 像、反欺诈等各类征信服务700多亿次。 企业征信方面，2024年，154家企业征信机构提供各类征信服务365亿次。同时，人民银行持续推动地方 征信平台市场化转型升级，截至2024年末，征信平台已累计服务各类经营主体近700万家，促成融资规 模突破24万亿元。 征信对企业融资为何重要？原因在于，小微企业因风险、规模、资产等限制，仅靠传统"三表"信息难获 充足信贷支持。而这类企业多以个人经营为主，金融机构审批时需结合个人征信与企业数据，挖掘信用 关联以全面评估信用价值。 历经多年发展，我国已形成"政府＋市场"双轮驱动的征信体系。其中，位于深圳的百行征信，是国内首 家拥有"个人+企业"双业务资质的市场化机构，也是我国三家持牌市场化个人征信机构之一。 "对于小微企业主和个体工商户，百行征信可以发挥个人征信、企业征信双资质的独特禀赋，将小微企 业主个人信用状况和企业资质情况相结合，更好服务金融机构开展信用评估、授信管理。" 近日 ...

Core Insights - The Gansu rural credit system is being upgraded through innovative credit models that leverage data from various sectors, enabling farmers and agricultural cooperatives to access credit without traditional collateral requirements [1][2][8] Group 1: Credit Models and Innovations - The "Gansu Xinyi Loan · Long Xintong" platform has created a unified credit information database for 370,000 agricultural entities, facilitating over 700 billion yuan in credit loans [1][2] - The platform has led to a 14.26% year-on-year increase in credit loan financing, with an average approval time reduction of 80% [2] - Three innovative credit models have emerged: "Whole Garden Credit," "Sheep Chain Cloud Platform," and "Postal Logistics + Whole Village Credit," integrating credit assessment into agricultural operations [3][8] Group 2: Specific Case Studies - In Baiyin, the "Whole Garden Credit" model has established a credit assessment mechanism for agricultural parks, resulting in a total credit of 2.45 billion yuan for 158 entities [4] - The "Sheep Industry Chain Cloud Platform" in Qingyang utilizes blockchain and IoT technologies to create real-time credit profiles for sheep farmers, reducing loan approval times from 10 days to 1 day and lowering financing costs by 20%-30% [5][6] - The "Postal Logistics + Whole Village Credit" model in Tianshui has enabled farmers to receive credit loans quickly, with 9112 households evaluated and 3.77 billion yuan in loans issued [7] Group 3: Future Directions - The People's Bank of China in Gansu plans to continue optimizing the credit platform, enhancing data collection for agricultural insurance, subsidies, and tax incentives to improve credit supply in rural areas [2][8]

Core Viewpoint - The People's Bank of China is set to implement a one-time personal credit relief policy in early 2026, aimed at addressing the credit repair needs of individuals affected by the pandemic, specifically those who have fully repaid loans despite having defaulted due to uncontrollable circumstances [3][6]. Summary by Sections Credit Relief Scope - The new policy will only apply to individuals who experienced defaults due to the pandemic and have fully repaid their debts, thus providing a "reset" opportunity for those with "non-malicious" defaults [7][8]. - The policy will not cover malicious defaults and will have a threshold for the amount of default, which is yet to be specified [7]. Impact on Individuals - The policy aims to help individuals restore their credit status, allowing them to regain access to housing loans, car loans, and business loans, thereby facilitating a return to normal financial activities [8][9]. - It is expected to encourage more individuals to clear their debts, as the policy emphasizes that only those who have repaid their loans will benefit from the relief [8]. Economic Implications - By improving the credit records of many consumers, the policy is anticipated to stimulate economic activity by enabling more potential homebuyers, entrepreneurs, and small business owners to access financial support [8][9]. - The initiative is seen as a positive signal for encouraging repayments, which could lead to a healthier credit environment and improved asset quality for financial institutions [9][10]. Technical Implementation - The relief will not involve the complete removal of default records but will instead use a "non-display" method for qualifying defaults, which will be implemented after necessary technical preparations by the People's Bank of China and financial institutions [9][10]. - The policy is characterized as a structured and conditional relief mechanism, rather than a blanket "credit washing" solution [10].

Core Viewpoint - Shanghai Shengteng Data Technology Co., Ltd. was fined for violations related to credit reporting and evaluation methods, highlighting the increasing regulatory scrutiny in the credit information industry [1][3]. Group 1: Company Specifics - Shanghai Shengteng Data Technology Co., Ltd. was fined RMB 115,500 for failing to report the required credit report templates and evaluation methods [1][2]. - The direct responsible person, Hong, was fined RMB 3,850 for the violations [1][2]. - The company, established in 2017, offers a product called "Qixinbao," which provides enterprise information retrieval services [1]. Group 2: Regulatory Environment - The penalty reflects the high standards and strict requirements imposed by the regulatory authorities, particularly the People's Bank of China [3]. - The Central Bank's 2021 regulations mandate that credit institutions report specific credit information, including templates and evaluation methods, to prevent biased evaluations [3]. - Recent penalties in the credit information sector indicate a trend of increasing regulatory demands, particularly concerning user data collection and privacy protection [4]. Group 3: Industry Implications - The fine serves as a warning for the industry, emphasizing the need for compliance over innovation in credit-related businesses [5]. - Future regulatory focus is expected to be on data sources, algorithm logic, and fairness of results, necessitating enhanced internal controls and governance structures within institutions [5]. - Companies are encouraged to invest in financial technology to improve data handling capabilities and ensure the accuracy and security of credit information [5].

原标题：钱塘征信成为信用服务领域公共数据授权运营商 探索个人信用经济新赛道 数据要素流通利用领域再迎突破，近日，浙江省人民政府官网发布信息，钱塘征信有限公司成为浙江省 信用服务领域公共数据授权运营商。此举可视为浙江探索"个人信用经济"新赛道、释放数据要素价值的 先行先试。作为国内持牌个人征信机构，钱塘征信有望为个人信用数据流转探索可复制的实践样本。 钱塘征信拟在用户自主授权基础上，构建个人数字化信用档案，通过信用评价、信用报告等个人信用管 理工具，帮助个人高效连接金融、商业及社会服务场景，提升个人信用价值认知与自主管理能力，推动 社会诚信建设。 "个人信用经济，是以个人信用数据为核心要素，以个人为权益主体，依托合法合规的数据要素流通与 信用体系建设，为个人用户、金融机构和商业企业提供基于信用服务的新兴经济形态。其本质是遵循个 人受托者机制，由受监管的市场化主体帮助个人实现'信用即资产'，最终实现用户基础广泛、社会效益 显著、商业可持续的经济生态"，钱塘征信董事长陈隆说到。他进一步表示，"个人信用经济的本质，是 让用户个人成为数据价值的受益者，实现数据红利还利于民。" 据悉，韩国于2022年1月正式推出MyDa ...

据了解，钱塘征信将在信贷服务、灵活用工就业、基层治理等多个领域率先落地，通过整合多维度公共 数据和商业数据，降低各场景的信息不对称与交易成本，减少个人自我证明和材料反复提交，助力各类 机构提升风控管理能力，同时也能为消费者个人带来更好的机会和服务，实现个人信用在践行普惠金 融、引导理性消费、促进就业公平等重大民生课题的应用。除公共数据以外，钱塘征信已累计接入近百 家市场化合规商业数据源，在数据要素领域展现出公共数据和商业数据融合发展的新局面。 "个人信用经济，是以个人信用数据为核心要素，以个人为权益主体，依托合法合规的数据要素流通与 信用体系建设，为个人用户、金融机构和商业企业提供基于信用服务的新兴经济形态。其本质是遵循个 人受托者机制，由受监管的市场化主体帮助个人实现'信用即资产'，最终实现用户基础广泛、社会效益 显著、商业可持续的经济生态。"钱塘征信董事长陈隆表示。 可信数据空间建设完成后，可在用户自主授权基础上，构建个人数字化信用档案，通过信用评价、信用 报告等个人信用管理工具，帮助个人高效连接金融、商业及社会服务场景，提升个人信用价值认知与自 主管理能力，推动社会诚信建设。 本报讯(记者李春莲)近日， ...

Core Insights - Qiantang Credit has recently become a licensed personal credit institution in Zhejiang, aiming to create a trustworthy data space for individuals by integrating public and commercial data [1][2] - The initiative is part of Zhejiang's exploration of a "personal credit economy," which seeks to enhance the value of personal credit through effective management tools [1] - The chairman of Qiantang Credit emphasizes that the personal credit economy will help individuals realize "credit as an asset," fostering a sustainable economic ecosystem [1] Group 1: Company Developments - Qiantang Credit has been authorized as a public data operator in Zhejiang, marking a significant step in the establishment of a personal credit management system [1] - The company plans to implement its services in various sectors, including credit services and flexible employment, by reducing information asymmetry and transaction costs [1][2] - Qiantang Credit has integrated nearly 100 compliant commercial data sources, showcasing a new path for the fusion of public and commercial data in the credit sector [2] Group 2: Industry Context - The model being developed by Qiantang Credit bears similarities to South Korea's MyData service, which empowers individuals to manage and share their data [2][3] - MyData has successfully attracted over 50 million subscribers in South Korea, generating significant revenue and fostering a data-driven ecosystem [2] - Experts suggest that China's higher level of digital governance and public data infrastructure, combined with a larger user base, presents a substantial market demand for personal credit management services [3]

Group 1 - The article highlights the importance of financial education and consumer protection in the financial industry, particularly during the 2025 Financial Education Promotion Week [1] - It discusses various scams targeting consumers, including fraudulent insurance policy cancellations, illegal loan intermediaries, fake credit repair services, and illegal stock recommendations [3][4] Group 2 - The article warns consumers about the risks of engaging with third-party agents for insurance cancellations, emphasizing the need to contact official insurance company customer service [3] - It outlines the deceptive practices of illegal loan intermediaries that promise easy loans without credit checks but require upfront fees [3] - The article explains the myth of credit repair services that claim to remove negative credit records through special channels, which is not possible according to regulations [4] - It also addresses the dangers of illegal stock recommendations that lure investors with promises of insider information, leading to potential financial losses [4]