自全国中小微企业资金流信用信息共享平台(以下简称"平台")2024年10月25日上线试运行以来，人民银行吉林省分行按照"人行搭台、金融赋能、企业受 益"的工作原则，积极向社会主体推广平台应用，成功打造吉林省企业信用报告+资金流水信息"双轮驱动"的征信助企融资新格局。一年来，省内银行累计应 用平台查询超2万笔，支持中小微企业融资2500余笔、金额超60亿元，其中首贷金额近5亿元。 跑出平台推广应用"加速度" 为了让平台迅速在吉林省实现落地应用，惠及更多中小微企业，人民银行吉林省分行第一时间制发工作方案，从企业提升认可、银行接入应用、银企双方对 接三个维度出发，营造"愿用、能用、好用"的良好生态。 首先是提升企业认可度。依托人民银行吉林省分行微信公众号、长春广播电视台等媒介，打造"图文并茂、声像俱佳"的宣传方式，让平台宣传更有热度、有 温度、有深度。在全省人民银行系统、金融机构营业网点设立平台宣传"流动站"，打造"全覆盖式"宣传矩阵，锚定有融资需求的企业群体，精准滴灌、靶向 施策，提高企业对平台的认可度。 其次是深化平台推广应用。面向辖内银行机构开展"线上+线下"平台应用推广专题培训，组织银行工作人员学习平台操作 ...

11月3日，"中国人民银行上海总部"官方微信公众平台发布信息称，2025年10月，上海地区第二批6家银 行业金融机构顺利接入全国中小微企业资金流信用信息共享平台（下称"资金流信息平台"），包括4家 外资银行、1家农村商业银行和1家民营银行。 其中，汇丰银行（中国）有限公司、渣打银行（中国）有限公司、富邦华一银行有限公司、南洋商业银 行（中国）有限公司是全国首批接入资金流信息平台的外资法人银行。 据了解，资金流信息平台是中国人民银行完善中小微企业信用信息互联互通机制、探索银行资金流信用 信息共享应用、做好金融"五篇大文章"的重要金融基础设施。 此次，上述上海4家外资法人银行的加入，不仅扩大了平台覆盖范围，丰富了参与主体类型，更能拓宽 平台服务半径，为资金流信息平台支持经济高质量发展注入新动能。 目前，4家外资银行在资金流信息平台应用方面均作了充分规划，例如，汇丰银行（中国）将以"信贷白 户""首贷户"等中小微企业作为主要应用对象，借用平台资金流信息，验证业务真实性和规模，切实防 范金融风险，在此基础上为客户提供具有特色的金融支持。 渣打银行（中国）在资金流信息平台上线后，首先在线下抵质押授信产品进行资金流产品的 ...

人民财讯11月3日电，据中国人民银行上海总部消息，2025年10月，上海地区第二批6家银行业金融机构 顺利接入全国中小微企业资金流信用信息共享平台(下称"资金流信息平台")，包括4家外资银行、1家农 村商业银行和1家民营银行。其中，汇丰银行(中国)有限公司、渣打银行(中国)有限公司、富邦华一银行 有限公司、南洋商业银行(中国)有限公司是全国首批接入资金流信息平台的外资法人银行。 ...

Core Insights - The establishment of the Fund Flow Information Platform aims to alleviate the financing difficulties faced by small and micro enterprises, enabling them to access credit without traditional collateral requirements [1][4][9] - The platform enhances the credit assessment process by utilizing real-time data from enterprises' operational activities, thus providing financial institutions with a more accurate picture of a company's creditworthiness [2][6][7] Group 1: Platform Overview - The Fund Flow Information Platform was launched on October 25, 2024, to support the development of small and micro enterprises by facilitating credit information sharing [1] - It aims to improve the financing accessibility for enterprises lacking traditional credit histories and collateral, thereby promoting the flow of credit resources to qualified businesses [1][4] Group 2: Operational Mechanism - The platform analyzes financial interactions between enterprises and their partners, creating a comprehensive credit profile that supplements traditional credit data [2][5] - Financial institutions can leverage this platform to integrate transaction data from multiple banks, enhancing the accuracy of credit risk assessments [5][6] Group 3: Impact on Enterprises - The platform has enabled businesses, such as a hotel in Jiujiang, to secure significant loans without traditional collateral, demonstrating the effectiveness of data-driven credit assessments [3][9] - It has facilitated the transformation of operational data into credit assets, breaking the reliance on physical collateral and improving the availability of credit for "credit white" and "light asset" enterprises [3][4] Group 4: Financial Institutions' Perspective - Financial institutions have reported improved efficiency and reduced operational costs due to the platform's ability to streamline credit assessment processes [5][9] - The platform supports the development of innovative credit products, allowing for personalized financial solutions that meet diverse enterprise needs [7][9] Group 5: Broader Economic Implications - The platform contributes to the promotion of inclusive finance by addressing the urgent funding needs of small and micro enterprises, thereby enhancing their operational capabilities [4][8] - It plays a crucial role in fostering a more equitable financing environment, ultimately supporting the high-quality development of the real economy [8][10]

Core Insights - A high-tech enterprise in Anhui, focused on biodegradable and eco-friendly packaging materials, is rapidly growing alongside the development of the environmental protection industry, seeking larger bank credit to enhance bargaining power with suppliers and reduce costs [1] Group 1: Financing Challenges and Solutions - The enterprise faced financing difficulties due to the complexity of its upstream and downstream transactions and dispersed cash flows, which traditional credit models struggled to address [1] - The situation improved when Guangfa Bank's Hefei branch utilized the "National Small and Micro Enterprises Fund Credit Information Sharing Platform," allowing for the integration of multidimensional credit and cash flow data, leading to a swift identification of the enterprise's stable profitability and reliable debt repayment capacity [1] - The bank completed due diligence and approval processes efficiently, granting a higher credit limit that facilitated cost reduction and efficiency improvements for the enterprise [1] Group 2: Platform Implementation and Impact - Guangfa Bank's Hefei branch established a special task force to promote the platform's application, providing extensive training and support to help client managers and enterprises quickly master the platform's operation [2] - From January to August this year, the bank supported 184 small and micro enterprises through the platform, with a total loan balance of 4.873 billion, and the platform's signed client count represented 43.14% of the total corporate credit clients [2] - The platform enables online processing of the entire financing application, approval, withdrawal, and repayment process, significantly enhancing the convenience and timeliness of enterprise financing [2] Group 3: Integration with Financial Products - Guangfa Bank's Hefei branch has integrated cash flow credit information into various online inclusive financial products, aligning financing needs with different industries and enterprise types, establishing a data-driven business model that supports risk control [3] - This mechanism has become a crucial support for the bank's commitment to inclusive finance and service to small and micro clients [3]

截至9月末，山东省金融机构累计查询资金流信用信息29.1万笔，为中小微企业完成授信2.7万户、金额 1821.1亿元，实际用信2.3万户、金额1094.2亿元。 （文章来源：新华财经） 新华财经济南10月27日电（记者贾云鹏）记者从人民银行山东省分行27日举行的2025年前三季度山东省 金融统计数据新闻发布会上获悉，截至2025年9月末，全国性银行、山东省农信联社及山东省内15家主 要法人银行机构已全量接入全国中小微企业资金流信用信息共享平台，基本实现平台应用的全域覆盖。 人民银行山东省分行征信管理处副处长牟颖说，山东将全国中小微企业资金流信用信息共享平台作为服 务金融"五篇大文章"、优化区域营商环境、精准助力中小微企业融资发展的重要抓手，引导金融机构深 挖平台在辅助信贷决策、破解首贷难题、提升融资效率等方面的积极作用。 ...

会上介绍，打造数字金融特色应用场景。积极推进数字人民币试点，深圳地区累计开立数币钱包近3000 万个，预付式消费领域签约商家近5000家、管理预付资金约47亿元。推动多边央行数字货币桥保持"扩 面"态势，累计开展业务金额超百亿元。推广运用全国中小微企业资金流信用信息共享平台，截至9月 末，辖内已有19家银行机构接入资金流平台，累计有效资金流授权超过1万个，累计资金流报告查询量 累计达8万笔。深圳总部机构通过资金流平台发放贷款总额达250亿元。 北京商报讯（记者 刘四红）10月24日，人民银行深圳市分行、国家外汇管理局深圳市分局举行2025年 三季度新闻发布会，介绍深圳金融运行有关情况。 ...

Core Viewpoint - The People's Bank of China, Huaihua Branch, is actively addressing the challenges in financial legal education in county areas by implementing a comprehensive plan aimed at enhancing financial law awareness and compliance among local financial institutions and enterprises [1][2][3]. Group 1: Financial Legal Education Initiatives - The Huaihua Branch has developed a "2025 Financial Legal Education Work Plan" and an annual legal responsibility checklist to systematically promote financial legal education in county areas [1][2]. - The branch has conducted a series of "Law Delivery to the Door" training sessions to improve compliance awareness among local financial institutions, covering topics such as credit management and personal information protection [3]. - A "one case, one strategy" re-education mechanism has been established to provide targeted training and support to financial institutions after compliance checks, resulting in a 20% increase in regulatory compliance accuracy [3]. Group 2: Support for Private Enterprises - The branch has leveraged the "Private Economy Promotion Law" to conduct outreach activities, helping 730 private enterprises understand financial policies and expand their financing channels [4]. - As of August 2025, the loan balance for private enterprises in Huaihua has increased by 9.8% year-on-year, outpacing the overall loan growth rate by 3.4 percentage points [4]. - The average interest rate for newly issued enterprise loans has decreased by 72 basis points year-on-year from January to August [4]. Group 3: Innovative Public Awareness Campaigns - The branch has creatively integrated local cultural elements, such as Miao and Dong ethnic music, into financial legal education, enhancing community engagement and awareness [5]. - Over 100 promotional events have been held, reaching approximately 25,000 people and increasing public awareness of deposit insurance by 15 percentage points [5]. - The branch has established a "Rural Anti-Money Laundering Education Base" to provide ongoing legal education to farmers and small business owners, distributing 20,000 promotional materials [6][7]. Group 4: Digital and Community Engagement - The branch has utilized online platforms for live broadcasts to educate the public on anti-money laundering and fraud prevention, attracting over 100,000 viewers [7]. - Financial institutions are encouraged to create "Legal Promotion Corners" in their branches to provide continuous legal education and resources to customers [7]. - The establishment of mobile "Central Bank Legal Service Stations" aims to deliver legal services and education directly to rural communities, promoting a culture of legal awareness [6][7].

据悉，宜斯特是一家从事齿轮等传动设备的小微企业，因短期内生产规模扩大造成流动资金短缺， 又苦于无历史信用信息、无抵押物，面临融资难的窘境。在走访中获悉企业的资金需求后，溧水农商行 第一时间通过平台调取宜斯特的银行流水并分析研判，变"被动依靠客户提供材料"为"主动分析加工"， 高效解决了企业的首笔融资需求。 当前，缺少具有连续性、稳定性的高质量信用信息，是制约金融机构为中小微企业提供优质金融服 务的重要因素，而资金流信用信息能全生命周期地动态反映中小微企业的经营状况、收支状况、偿债能 力和履约行为。基于此，中国人民银行开发建设了全国中小微企业资金流信用信息共享平台。 "3个小时就办好了160万元的贷款审批，这个平台真是帮了公司的大忙！"9日，南京宜斯特传动设 备有限公司（下文简称宜斯特）相关负责人提起前不久的一笔融资，感慨地说。他提到的平台，是指去 年10月上线的全国中小微企业资金流信用信息共享平台（下文简称平台）。记者当天从人民银行江苏 省分行获悉，过去一年来，平台数据与银行信贷流程日益深度融合，数据赋能融资的时效正持续显现。 记者了解到，平台通过跨行资金流信息高效共享，以数据应用推动银行重构信贷审批流程，让 ...

"以往申请贷款需准备大量分散的流水证明，费时费力。现在启东农商银行客户经理通过国家平台直接 查询资金流信用信息，省去很多麻烦。"启东某电动工具企业负责人说。自2025年9月11日起，启东农商 银行全面应用"全国中小微企业资金流信用信息共享平台"，要求客户经理贷前必须查询该平台并上传授 权截图，将平台深度嵌入对公信贷流程中。 "全国中小微企业资金流信用信息共享平台"由中国人民银行征信中心建设运营，通过安全共享企业银行 账户脱敏后的资金流统计信息，为金融机构提供企业真实经营的"信用画像"，有效弥补传统信贷记录的 不足，尤其有助于缺乏信贷历史的"信用白户"企业。 启东农商银行将该平台定为拓展中小微企业业务与风控升级的核心工具，通过同步应用资金流信用信息 与征信报告，构建更立体、动态的信用评估模式：深度融合资金流信息，高效筛选优质客户，精准覆盖 科技企业、制造业实体等群体，扩大服务覆盖面；依托多维度数据交叉验证，提升风险识别精准度，优 化信贷决策效率；并将信息应用于贷前、贷中、贷后全流程，为持续风险监测提供依据。 作为扎根启东的本土银行，该行表示将依托平台，进一步加强对科技型、制造业中小微企业的信贷支 持，实现"扩面 ...