2025年以来，中国人民银行襄阳市分行以数字技术为驱动，推动数据赋能与场景应用深度融合，引导金 融机构依托资金流信息平台、"政采贷"线上平台、中小企业商业价值信用贷款平台、会计数据增信平 台，不断创新信贷服务模式，精准高效支持中小微企业。 中小企业商业价值信用贷款平台上线后，中国人民银行襄阳市分行通过专题培训、政策宣讲等方式，引 导金融机构加强平台应用。平台上线以来，襄阳市有7家金融机构与8家企业通过该平台达成融资协议， 涉及金额5200万元。 数据互联 "链动"企业融资 "从中标到获得贷款仅用10天，效率远超预期！"近日，谷城县某建筑安装工程公司负责人在获得8900万 元"政采贷"后连连称赞。据介绍，该公司中标某学校建设项目后，襄阳农商银行通过线上"政采贷"平台 抓取招标信息，依托中征应收账款融资服务平台与政府采购系统直联，通过整合政府采购合同信息，实 现从申请到放款全流程线上化，较传统模式大大缩短放款时间。该笔贷款的发放也标志着全市首笔中 征"工程贷"落地。 线上"政采贷"平台以政府采购合同为信用载体，通过政银企数据互联，为中小微企业提供"低利率、快 审批"的融资服务。中国人民银行襄阳市分行联合市县财政等 ...

Group 1 - Small and micro enterprises are crucial for job creation, market prosperity, and improving people's livelihoods, and financial management departments are actively implementing policies to address their financing difficulties [1] - In May, measures to support financing for small and micro enterprises were introduced, emphasizing the need for coordinated policy efforts to alleviate financing challenges [1] - Commercial banks are responding by increasing support for small and micro enterprises, utilizing financial technology to innovate service products and enhance the accessibility and convenience of financial services [1] Group 2 - A clothing processing company in Xiamen received a tailored loan solution from a bank, which included a combination of "惠企快贷" and "信用快贷," resulting in a total loan of 6.45 million yuan to meet its funding needs [2] - The wedding dress town in Liu'an, Anhui, has over 400 wedding dress production enterprises and generates an annual output value of 2.4 billion yuan [2] Group 3 - A wedding dress store owner faced a 30% increase in orders but struggled to procure materials due to cash flow issues, and received timely financing through the "皖美e贷" product [3] - The use of a funds flow information platform allowed a modern agriculture company in Hubei to secure a loan of 4 million yuan, enhancing the efficiency of the credit approval process [4] Group 4 - The establishment of a national credit information sharing platform for small and micro enterprises aims to improve access to financing by providing multi-dimensional support for financial institutions [4][5] - The platform allows banks to utilize cross-bank funds flow data and intelligent risk control models to enhance credit assessment for small and micro enterprises lacking traditional collateral [5] Group 5 - A chemical small enterprise in Xiangyang received a "commercial value" loan through a platform that quantifies business value into credit scores, addressing its funding shortage [6] - Postal Savings Bank has issued 4.5 trillion yuan in inclusive small and micro loans over the past three years, focusing on digital transformation to enhance financial service accessibility [6] Group 6 - Agricultural Bank's "科捷贷" product, designed for small technology enterprises, utilizes public data systems to determine credit limits, significantly improving approval efficiency [7] - The integration of intellectual property and innovation metrics into the lending process allows small enterprises to leverage their patents as financial assets [7]