"原来以为没有抵押物，贷款肯定困难重重。没想到农业银行通过资金流平台分析我们企业的账户往来 数据，很快就审批通过了十几万元的信用贷款，实实在在解了我们的燃眉之急！"活动现场，一位获得 贷款支持的企业负责人感慨道。这番称赞，正是农行借助全国性资金流信用信息共享平台，有效破解中 小微企业融资难题的一个生动缩影。 为贯彻落实人民银行关于推广全国中小微企业资金流信用信息共享平台的部署，农业银行洛阳分行快速 响应、积极行动，着力推动该平台与全行信贷业务的深度融合。通过数字化手段，银行得以精准洞察企 业经营状况与信用水平，从而针对性破解小微客户长期存在的"缺抵押、缺担保"核心痛点。据统计，截 至今年11月末，该行已通过该平台查询企业资金流信息报告253笔，并依托平台提供的关键数据支撑， 成功为98家企业提供信贷支持，审批贷款总额超过7.6亿元。 本次系列宣讲活动，进一步提升了平台在县域小微经济体中的知晓度与使用意愿。许多企业主表示，平 台为企业提供了展示自身经营实力的信用"画像"，有助于拓宽融资渠道、降低融资门槛。农业银行洛阳 分行相关负责人表示，将持续推进平台推广与融资服务相结合，引导更多中小微企业善用平台资源，增 强 ...

Core Viewpoint - The article highlights the efforts of Jinchang City to address the long-standing issues of financing difficulties and high costs faced by small and micro enterprises, focusing on enhancing the business environment through targeted measures [1] Group 1: Financial Service Improvements - Jinchang City has implemented a comprehensive strategy to improve financial services for small and micro enterprises by enhancing mechanisms and innovating products [1] - A credit information sharing platform for small and micro enterprises has been established to break down credit information barriers, with a successful loan of 4 million yuan issued through this platform [3] - The platform aims to facilitate communication between banks and resolve issues encountered during fund usage, ensuring effective implementation [3] Group 2: Government Support Initiatives - The city has introduced a government guarantee scheme to provide unsecured loans for small and micro enterprises and agricultural entities, addressing their common challenges such as lack of collateral [4] - A streamlined approval process has been adopted, allowing for joint due diligence and approval between government guarantee institutions and banks, significantly reducing approval times [4] - Since the establishment of Jinchang Guarantee Company, it has provided 1,143 guarantees totaling 4.993 billion yuan, alleviating financing pressures for market participants [4] Group 3: Technological Financial Empowerment - Jinchang has launched the "Science and Technology Innovation Guarantee" product, which integrates fiscal subsidies, guarantees, and bank loans to support high-tech and specialized enterprises [5] - This initiative offers a 50% interest subsidy, effectively reducing financing costs and expediting the financing process for technology-driven companies [5] - To date, the program has benefited 8 technology enterprises with guaranteed loans totaling 29.1 million yuan, achieving a comprehensive guarantee fee rate of only 1.02% and saving over 65 million yuan in insurance costs [5]