全国中小微企业资金流信用信息共享平台

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手机“一键授权”代替“多头跑腿”
Nan Jing Ri Bao· 2025-10-10 02:23
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 ...
启东农商银行全面接入“资金流信用信息平台”
Jiang Nan Shi Bao· 2025-09-29 00:31
"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 ...
开放创新 成效显著
Jin Rong Shi Bao· 2025-09-11 03:37
Core Insights - The Guangdong Free Trade Zone (FTZ) has seen significant developments in financial support and innovation over the past decade, particularly in cross-border trade and investment facilitation [1][7] - The introduction of the "FT Account" has provided companies with advantages in foreign exchange risk management, allowing for more efficient capital turnover and reduced costs [3][7] - The establishment of the cross-border data verification platform has enhanced the efficiency of credit assessments and loan approvals for businesses operating in the Guangdong-Macao cooperation zone [4][5] Financial Innovations - The "FT Account" allows for integrated onshore and offshore currency transactions, providing a more favorable exchange rate for enterprises, which has been crucial for companies facing long-term contracts and exchange rate volatility [3][7] - The implementation of the "fund flow credit information sharing platform" aims to address the credit information gap for small and micro enterprises, facilitating easier access to financing [5][7] Industry Impact - The shipbuilding industry in Guangzhou is experiencing high demand, with orders extending to 2029, but companies are increasingly concerned about the impact of currency fluctuations on profitability [2] - High-tech enterprises in the environmental monitoring sector are leveraging innovative financing solutions, such as the "fund flow + science and technology quick loan," to meet substantial R&D funding needs [6]
广东自贸试验区 开放创新 成效显著
Jin Rong Shi Bao· 2025-09-11 02:19
Core Insights - The Guangdong Free Trade Zone (FTZ) has seen significant developments in its ten years of establishment, with a focus on financial support and cross-border trade facilitation [1][7] - The introduction of the "Gold Reform 30" policies has improved cross-border RMB settlement, reducing exchange costs and enhancing capital turnover efficiency for businesses [1][7] - The FT account system has been instrumental in providing businesses with favorable exchange rates and risk management solutions [3][7] Group 1: Financial Innovations and Support - The FT account offers a more advantageous exchange rate compared to domestic forward settlement rates, allowing companies to hedge against currency risks effectively [3] - A shipbuilding company has secured forward settlement of $64 million through the FT account, demonstrating the practical benefits of the financial policies in the FTZ [3] - The cross-border data verification platform has streamlined the loan approval process for individuals and businesses, enhancing efficiency and reducing operational costs [4][5] Group 2: Business Growth and Challenges - A shipbuilding enterprise has orders extending to 2029 but faces significant risks from currency fluctuations, highlighting the sensitivity of export-oriented companies to exchange rate volatility [2] - A high-tech company in the environmental monitoring sector has benefited from tailored financing solutions that leverage data flow for credit assessment, resulting in a quicker loan approval process [6] - The establishment of a national credit information sharing platform aims to support small and micro enterprises in obtaining financing by addressing credit information gaps [6]
福建南平 加快推动资金流信息平台应用
Zheng Quan Ri Bao Zhi Sheng· 2025-08-24 14:39
Group 1 - The People's Bank of China Nanjing Branch is promoting the national small and micro enterprise fund flow credit information sharing platform to enhance financial inclusion and facilitate financing for small and micro enterprises [1] - As of the end of July, the Nanjing Branch has organized 2,097 queries through the fund flow information platform, resulting in loans of 2.282 billion yuan benefiting 776 small and micro enterprises [1] - The platform aims to break the information barrier between banks and enterprises by converting transaction data into accessible funding, thus broadening financing channels for small and micro enterprises [1] Group 2 - A packaging company in Wuyishan faced financing challenges due to lack of traditional collateral and being a "credit white household," but received a 2 million yuan loan after the People's Bank of China Nanjing Branch facilitated data verification through the fund flow information platform [2] - A tea company in Wuyishan, also struggling with financing due to being a "credit white household," successfully obtained a 7 million yuan loan after the People's Bank of China Nanjing Branch helped create a tailored financial service plan using the fund flow information platform [3] Group 3 - The People's Bank of China Nanjing Branch has introduced an innovative "dual flow model" that integrates fund flow and information flow to address financing needs in the tea industry [4] - This model allows for one-click information queries for tea enterprises, enhancing the efficiency and accuracy of financing processes [4] - The implementation of the "dual flow model" has led to loans of 2.8 million yuan and 2 million yuan being provided to specific tea companies at preferential interest rates, thereby reducing financing costs [4]
绘就乡村振兴与产业繁荣新画卷
Jin Rong Shi Bao· 2025-08-21 04:32
Core Viewpoint - The People's Bank of China (PBOC) in Xingan League is focusing on "two platforms and one system" as a financial engine for the development of small and micro enterprises, aiming to enhance their industrial growth and support rural revitalization efforts [1] Group 1: Accounts Receivable Financing Service Platform - The accounts receivable financing service platform is effectively supporting the development of enterprises by allowing them to obtain financing through accounts receivable pledges, exemplified by a company receiving a credit loan of 3 million yuan [2] - In the first half of 2025, the platform registered 88 new users, with small and micro enterprises successfully obtaining 33 financing deals totaling 424 million yuan, significantly improving financing efficiency [2] Group 2: Fund Flow Credit Information Sharing Platform - The fund flow credit information sharing platform enables small enterprises to quickly obtain credit loans based solely on their cash flow, addressing significant financing challenges [3] - From January to June 2025, local state-owned commercial banks issued loans totaling 27.5 million yuan to 26 enterprises through the fund flow platform, enhancing the enterprises' financial capabilities [4] Group 3: Unified Registration and Publicity System for Movable Property Financing - The unified registration and publicity system for movable property financing has facilitated a company to secure a credit line of 20 million yuan through a "rice pledge" model, demonstrating the system's effectiveness in enhancing the clarity of property rights [5] - In the first half of 2025, 261 registration transactions were completed in the Xingan League region, with 2,171 queries, indicating the system's role in alleviating financing bottlenecks for enterprises [5] Group 4: Overall Impact on Small and Micro Enterprises - The PBOC in Xingan League is committed to using financial services to support the growth of small and micro enterprises, which are vital to the real economy, thereby contributing to sustained economic improvement [6]
泰州法人农商行资金流平台工作座谈会在兴化农商银行召开
Jiang Nan Shi Bao· 2025-08-20 23:19
Core Viewpoint - The meeting focused on enhancing the national small and micro enterprise fund flow credit information sharing platform to support financial initiatives and improve credit services for local businesses [1] Group 1: Meeting Overview - The meeting was held at Xinghua Rural Commercial Bank and attended by key leaders from the People's Bank of China, Jiangsu Rural Commercial Bank, and local financial institutions [1] - The discussion aimed to implement the action plan for utilizing the national small and micro enterprise fund flow credit information sharing platform [1] Group 2: Future Initiatives - The meeting served as a platform for sharing experiences in fund flow information and aimed to deepen the application and innovation of the platform [1] - The local rural commercial banks plan to optimize credit service processes to provide more precise and efficient financial support to small and micro enterprises, contributing to high-quality local economic development [1]
让信贷精准滴灌中小微企业 全国中小微企业资金流信用信息共享平台支持做好金融“五篇大文章”陈建华
Jin Rong Shi Bao· 2025-08-18 02:52
Core Viewpoint - The establishment of the national small and micro enterprise capital flow credit information sharing platform is a crucial infrastructure to support the financial "five major articles," enhancing credit information services and facilitating financing for small and micro enterprises [1][2][6]. Group 1: Support for Financial "Five Major Articles" - The capital flow information platform is an innovative practice to optimize credit resource allocation and promote financing for small and micro enterprises, aligning with the strategic needs of high-quality economic development [2]. - The platform serves as a vital foundation for building a modern financial system with Chinese characteristics, addressing issues of information asymmetry and enhancing data sharing among financial institutions [3]. Group 2: Characteristics of Capital Flow Credit Information - The platform provides comprehensive, reliable credit information that supports financial services with diverse data, covering over 60 million enterprises and effectively achieving full coverage of small and micro enterprises [4]. - It operates as a public service, with maintenance costs borne by the credit center, aiming to maximize social benefits and reduce financing costs for small and micro enterprises [4]. Group 3: Multi-dimensional Data Elements - The platform offers detailed credit products, including monthly summaries and quarterly reports, which encompass a wide range of data elements necessary for financial institutions and enterprises [5]. - By integrating capital flow data with credit data, the platform enhances the credit assessment system, enabling precise allocation of credit resources to small and micro enterprises [5]. Group 4: Long-term Mechanism for Financial Services - The People's Bank of China has developed a work plan to establish a long-term service mechanism for the capital flow information platform, ensuring its effective application in supporting the financial "five major articles" [6]. - The plan outlines core tasks and requirements to enhance the platform's service efficiency and expand its application in credit decision-making and risk management [7]. Group 5: Expansion of Application and Coverage - The work plan encourages more financial institutions to access the platform, broadening the coverage of capital flow credit information and enhancing the inclusiveness of the financial system [8]. - The platform facilitates nationwide sharing of credit information, promoting data flow and enhancing the digital financial landscape [15]. Group 6: Initial Achievements and Future Directions - Since its launch, the platform has significantly improved credit accessibility for key sectors, with nearly 700 billion yuan in credit support for innovative and agricultural enterprises by July 2025 [11][12]. - Future efforts will focus on expanding the range of participating institutions, protecting the rights of information subjects, and enhancing public awareness of the platform's benefits for small and micro enterprises [17][18][19].
金融顾问上门来 融资融智助小微
Jin Rong Shi Bao· 2025-08-12 02:34
Core Viewpoint - The People's Bank of China (PBOC) in the Ali region has established a Financial Advisory Group to provide integrated financial services for small and micro enterprises, aiming to enhance the local economy's stability and growth [1] Group 1: Financial Advisory Group Formation - The Financial Advisory Group was formed to consolidate financial resources and provide precise services to support the development of the real economy in the Ali region [1] - The group has already served over 350 enterprises across 7 counties in the region [1] Group 2: Collaborative Mechanism - The Financial Advisory Group has deepened cooperation between government and banks, establishing a multi-faceted collaboration mechanism to address the challenges faced by small and micro enterprises [2] - Four government-bank-enterprise matchmaking events have been held this year, benefiting 133 enterprises, with credit granted to 36 enterprises totaling 89 million yuan and loans issued to 32 enterprises amounting to 83.01 million yuan [2] - The enterprise matching rate reached 100%, with a satisfaction rate of 100% for the enterprises receiving guidance [2] Group 3: Financial Support and Guidance - The group has implemented a "Financial Guidance Never Stops" initiative, providing tailored financial services through direct engagement with enterprises [3] - A grid-based service mechanism has been established, ensuring each enterprise has a dedicated financial advisor and expert for ongoing support [3] - This year, 42 on-site guidance sessions and 91 policy briefings have been conducted, resulting in an additional 400 million yuan in loans for local small and micro enterprises [3] Group 4: Systematic Service Enhancements - The Financial Advisory Group has facilitated rapid loan approvals, exemplified by a case where a business received a pledge loan of 6.8 million yuan within three days [4] - Various financing platforms have been launched to enhance financing accessibility, including the Credit Information Sharing Platform and the Accounts Receivable Financing Service Platform [4] - These platforms offer features such as intelligent matching, risk monitoring, and comprehensive enterprise profiling to address financing challenges [4] Group 5: Loan Growth Statistics - As of the end of May this year, the loan balance for small and micro enterprises in the Ali region reached 3.47 billion yuan, an increase of 425 million yuan or 13.96% year-on-year, accounting for 30.66% of total loan balances [5]
助力中小微企业破解融资难题,新网银行接入全国中小微企业资金流信用信息共享平台
Zhong Guo Jing Ji Wang· 2025-08-08 07:20
Core Viewpoint - The establishment of the "National Small and Micro Enterprises Fund Flow Credit Information Sharing Platform" by Xinwang Bank aims to address the financing difficulties faced by small and micro enterprises through digital integration of fund flow information [1][2] Group 1: Platform Overview - The fund flow information platform is designed to create a multi-dimensional credit assessment system by integrating transaction data from bank accounts and payment settlements [1] - The platform is maintained by the People's Bank of China and aims to provide objective credit evaluation for financial institutions, thereby alleviating information asymmetry in financing for small and micro enterprises [1] Group 2: Services Offered - Xinwang Bank has integrated with the fund flow information platform, allowing small and micro business owners to authorize data sharing online while ensuring the protection of their information rights [2] - The bank's services are tailored to the unique credit needs of small businesses, offering online, real-time, and comprehensive support based on behavioral data [2] Group 3: Future Outlook - Xinwang Bank plans to enhance its digital inclusive finance services with the support of the fund flow information platform, aiming to expand its service coverage for small and micro enterprises and contribute to high-quality development of the real economy [2]