Core Viewpoint - Jiangsu's small and micro enterprises face challenges in securing funding during peak seasons, highlighting the need for efficient and low-cost financing solutions [1] Group 1: Policy Support - The Jiangsu Provincial Government has established a comprehensive financial service platform to support small and micro enterprises, enhancing their access to financing [2] - The platform integrates multiple financial institutions and products, with a significant user base, facilitating quick responses to funding needs [2] - A case study illustrates that a digital product supply chain company successfully obtained a credit line through the platform, demonstrating its effectiveness in addressing information asymmetry [2] Group 2: Technological Empowerment - National platforms like Qifu Borrowing (formerly 360 Borrowing) leverage big data to provide low-interest, rapid, and flexible financing services to Jiangsu's small and micro enterprises [3] - The annual comprehensive interest rate for Qifu Borrowing starts at 7.2%, with features like instant approval and flexible repayment options [3] - A foreign trade enterprise reported that it received funds on the same day of application, alleviating financial pressure during a challenging period [3] Group 3: Case Validation - The Nanjing Fast Loan Network has been instrumental in providing quick approvals and debt optimization services, helping businesses manage their financial burdens effectively [4] - A restaurant owner successfully replaced high-interest loans with a bank product through the network, demonstrating its capability in debt management [4] - The Jiangsu Bank's "Business E-Loan" product offers flexible terms suitable for long-term funding needs of small and micro enterprises [4] Group 4: Future Trends - The future of financing in Jiangsu is expected to be driven by a combination of policy support and technological advancements, creating a more intelligent financing environment [5] - New loan products targeting future industries have been introduced, complementing the services offered by technology platforms [5] - The emphasis is on selecting the right platform to meet specific funding needs, with both official and technological platforms providing viable solutions [5]