Core Insights - The "301" online quick loan model has facilitated over 10 billion yuan in loans for Wuhan's financial institutions in the first quarter, providing new momentum for high-quality economic development in Wuhan [1] - The model allows small and micro enterprises to access credit quickly and efficiently, transforming the traditional loan application process into a seamless experience [2][4] - Data sharing among various departments has enhanced the accuracy of credit assessments, enabling banks to better serve small businesses [3][6] Group 1: Loan Accessibility and Efficiency - The "301" model enables businesses to complete the loan application process using just a mobile phone, significantly reducing the time from application to disbursement [2] - Small and micro enterprises have reported quick access to credit, with some receiving loans within minutes, compared to traditional methods that could take months [4][7] - The model has been adopted by 21 banks, resulting in a total of 720.5 billion yuan in loans issued since its inception [7] Group 2: Data-Driven Credit Assessment - The model leverages data from tax, social security, and other sources to create a comprehensive credit profile for businesses, allowing for more accurate risk assessments [3][6] - The introduction of the "knowledge value" credit loan specifically targets technology-driven small enterprises, enabling them to secure funding based on their innovation potential [4][6] - The "301" model has led to a 40% increase in average credit limits for technology enterprises, reflecting its positive impact on financing for innovative businesses [6] Group 3: Broader Economic Impact - The "301" model is seen as a benchmark innovation in digital finance within Hubei province, significantly improving financial service efficiency for small businesses [8] - The initiative aims to extend services to rural areas and technology sectors, with a goal of covering 500,000 market entities by the end of the year [6]

在河源，一家正处于发展关键期的医药公司也感受到了信用信息共享的温度。面对其融资需求，广发银 行河源分行借助平台信用报告，洞悉其健康运营情况：过去半年完成了267笔交易，资金流水达3197万 元，销售回款节奏合理，资金运转稳健。这些动态、真实的资金流数据，成为评估企业实力的有力支 撑，最终成功帮助企业获得了1000万元的信贷支持，为企业注入成长动能。 近年来，广发银行积极贯彻普惠金融政策，发挥中国人寿"保险+投资+银行"综合金融优势，持续创新 服务模式。推出"科技E贷""专精特新E贷""惠信通"等专属产品，以及"数企通"、惠财计划等"信贷+"综 合金融服务，构建起具有广发特色的普惠金融体系，为中小微企业提供全方位支撑。 中小微企业是国民经济的毛细血管，是扩大就业、繁荣市场、改善民生的重要支撑。在资金流信息平台 的推动下，广发银行将持续深化平台应用，拓展更多信贷场景，深挖数据价值、提升服务精准度；创新 产品服务，不断优化迭代普惠金融产品与服务模式，满足企业多元化金融需求；加大资源倾斜，将金融 活水精准灌溉至中小微企业；持续以金融之力，破融资之困，赋能中小微企业稳健前行。 做好中小微企业金融服务，事关全局，意义重大 ...

近年来，广发银行持续创新金融产品，针对小微企业轻资产、融资急等特点，推出"惠信通""专精特新E 贷""政采通"等特色产品，并通过数字化手段优化服务流程，实现从申请到放款的全链条提速。 下一步，广发银行南京分行将继续深化与地方政府、产业园区的合作，聚焦小微企业"急难愁盼"，通过 专项额度保障、利率优惠、减费让利等举措，进一步降低企业融资成本，以金融"活水"持续赋能小微企 业高质量发展，为服务实体经济、助力小微企业成长贡献更大金融力量！ 江南时报讯 退伍军人是小微企业创业大军中的重要力量。南京润亚广告有限公司的法人黄先生，便是 这样一位投身商海的退伍军人。今年4月，企业成功中标"农村生活垃圾分类投放设施"政府采购项目， 本是发展的关键机遇，却因前期资金投入较大，面临短期资金周转难题，项目推进一度受阻。 广发银行南京分行在获悉企业需求后，迅速启动小微企业服务绿色通道。考虑到黄先生的退伍军人身份 及企业的政府采购中标背景，为客户精准匹配"政采通"融资产品，通过优化授信流程、简化放款手续， 仅用7个工作日便为完成了贷款审批投放。因为及时得到资金支持，企业顺利启动了项目筹备工作，目 前项目已按计划有序推进。 "退伍不褪色 ...