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 ...

自2024年10月全国中小微企业资金流信用信息共享平台（以下简称"平台"）上线以来，人民银行江苏省分行紧扣"扩覆盖、提效率、强赋能"目标，持续推 动平台数据与银行信贷流程深度融合，破解银企信息不对称难题，让数据信用转化为中小微企业的融资活水。截至2025年8月末，江苏省22家接入银行累 计通过平台发起查询11.8万笔，为1.1万户企业授信780.9亿元，发放贷款774.8亿元，数据赋能融资实效持续显现。 数据增信补充担保，助力轻资产企业获贷。中小微企业轻资产、缺抵押的特性，长期限制其获得信贷支持。平台通过整合企业水费、电费等多维经营数 据，为银行构建直观的企业经营稳定性画像，以数据信用填补传统信贷担保缺口，让数据成为企业融资的无形抵押物。建设银行江苏省分行在原有数字化 知识产权科创评价体系基础上，深度嵌入平台资金流数据，通过动态分析企业研发投入流水、技术服务回款等关键指标，精准研判企业经营状况与发展潜 力，定向匹配信贷支持，有效提升科技金融服务针对性。截至2025年8月末，全省依托平台促成信用贷款80亿元，让更多缺抵押、少担保的企业凭借资金 流信息获得融资支持。 数据驱动流程优化，提升企业融资效率。以往，企业 ...

创新服务模式，助力园区企业发展。该行园区金融服务已覆盖玉林高新技术开发区、玉柴工业园区、福 绵环保园区、陆川产业园区等七个全市重点园区，创新推出一系列特色融资产品：针对新建园区及入园 企业购置机器设备、建造厂房的需求，推出"购建贷"产品，为企业提供长期、稳定的资金支持，帮助降 低融资成本，加快园区建设进度；推出线上化、便捷化的循环贷款产品"工业e贷"，满足企业日常随借 随还的经营资金需求。截至2025年8月末，该行为园区企业发放普惠贷款余额近6亿元，惠及小微企业 200余户。同时在园区周边优化三家网点布局，通过"支行行长+客户经理+网点人员"团队模式营销协 同，效率实现提升。 转自：新华财经 工行玉林分行坚持贯彻落实国家普惠金融政策，推出特色金融产品，纾解企业融资难题，助力"玉商回 归"。截至2025年8月末，该行普惠贷款余额超49亿元，在推动地方经济稳健成长中发挥了关键作用。 优化金融服务，纾解企业融资难题。该行推出"线上+线下"相结合的续贷服务，通过建立续贷审批绿色 通道，提高审批效率，为企业提供金融"及时雨"。此外，还加大服务创新力度，拓展续贷融资方式，根 据客户实际需求，推出"新一代经营快贷""链群交 ...

Group 1 - The core mission of the company is to serve the real economy by innovating financial products and services, enhancing cooperation with government and enterprises to provide robust financial support for local economic development [1] - As of August 2025, the company has issued nearly 4 billion yuan in inclusive loans, significantly contributing to the growth of the local real economy [1] - The company has successfully applied for 17 million yuan in special financial subsidies for small and micro enterprises since July 2025, injecting strong financial momentum into the local economy [1] Group 2 - The company utilizes financial technology to create a matrix of inclusive financial products that are scenario-based, intelligent, and online, addressing the financing difficulties faced by small and micro enterprises [2] - The company has expanded its funding to key local industries, including traditional Chinese medicine and agriculture, with over 500 million yuan in new funding allocated to 31 industrial clusters [2] - By the end of August 2025, the company has issued nearly 35 million yuan in loans to small and micro enterprises in the service consumption sector [2] Group 3 - The company actively collaborates with local government initiatives, particularly the "Yushang Return" program, to provide targeted financial services to returning enterprises [3] - As of August 2025, the company has issued nearly 60 million yuan in loans to small and micro enterprises involved in the "Yushang Return" initiative [3] - The company has established a regular communication mechanism with industry associations and local government to promote the development of the "Yushang Return" program [3]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively responding to the Guangxi Zhuang Autonomous Region's "2025 Financial Benefits for Enterprises Fiscal Interest Subsidy Policy Implementation Plan" by innovating the "Huiqi Loan" product system to address the core issue of high financing costs for small and micro enterprises [1][2] - Since July 2025, the bank has successfully applied for 160 million yuan in fiscal interest subsidy funds for small and micro enterprise loans, injecting strong financial momentum into the real economy of Yulin City [1] Group 1 - The bank leverages its financial engine role to assist small and micro enterprises in financing by closely aligning with the economic characteristics of Yulin's regional specialty industries and important agricultural bases [1] - The "Huiqi Loan" product system focuses on the common financing challenges faced by small and micro enterprises, individual businesses, and agricultural entities, with marketing teams actively engaging with business owners in various localities [2] - The bank utilizes big data analysis and refined management tools to select high-quality small and micro entities that align with national and regional industrial policies, ensuring precise allocation of fiscal subsidy resources [1][2] Group 2 - The bank addresses the "high financing costs" issue by creating a scene-based, intelligent, and online inclusive financial product matrix under the unified brand of "Huiqi Loan" [2] - Key products such as "New Generation Business Quick Loan," "Transaction e-Loan," "Merchant e-Loan," and "Agricultural e-Loan" have been introduced to innovate traditional credit models that rely on collateral and complex processes [2] - The product system covers 31 key industrial clusters, continuously optimizing based on customer needs to achieve comprehensive coverage of Yulin's characteristic industries and specialized markets [2] Group 3 - To ensure the effective and transparent allocation of the 160 million yuan in fiscal interest subsidy funds, the bank has established a rigorous and efficient full-process closed-loop management mechanism [3] - A strict customer admission and subsidy qualification review mechanism is in place, utilizing multi-dimensional risk control models and policy adaptation models for cross-validation and screening of applicant enterprises [3] - The focus is on ensuring that subsidy resources are directed towards the most urgent, most compatible, and most beneficial small and micro entities, preventing any leakage of funds [3]

转自：新华财经 编辑：穆皓 精准聚焦，资源倾斜薄弱环节。紧密围绕促消费政策导向，重点加大对住宿餐饮、文化旅游、家电家 居、新能源汽车、商贸流通等领域的信贷资源倾斜，尤其关注作为消费市场复苏关键的小微企业和个体 工商户。将普惠金融资源精准对接小微主体融资难、融资贵、融资慢的核心痛点，确保政策红利直达最 需要支持的经营主体，为玉林消费市场的全面复苏奠定坚实基础。例如，北流市某酒店因经营需要，于 今年7月向该行北流支行申请1000万元小微企业周转贷款，用于采购五金洁具百货、电器、酒饮调料等 物资及日常周转，支行客户经理高效对接、快速审批，及时发放贷款，有效助力酒店提升服务供给能 力，保障平稳运营。 创新赋能，高效服务经营主体。以产品创新和流程优化为核心，构建高效普惠金融服务体系，强力支撑 消费领域小微主体焕发生机。一是大力推广纯信用、线上化的普惠金融拳头产品，主推"新一代经营快 贷""交易e贷""商户e贷"等信用类贷款，依托大数据风控模型，实现"无抵押、秒审批、速到账"，有效破 解传统融资依赖抵押物的瓶颈；二是开辟"绿色通道"，提升服务效率，对消费领域小微企业及个体工商 户的贷款申请，设立优先审批通道，压缩业务办理 ...

Group 1 - The core viewpoint of the articles emphasizes the proactive measures taken by the Industrial and Commercial Bank of China (ICBC) Yulin Branch to support the national rural revitalization strategy through financial services tailored to local agricultural needs [1][2] Group 2 - As of July 2025, the agricultural loan balance of ICBC Yulin Branch increased by over 700 million yuan compared to the beginning of the year, injecting strong vitality into rural revitalization [1] - The bank has introduced various innovative micro-loan products such as "New Generation Business Quick Loan," "Chain Group Transaction E-Loan," "Cluster Merchant E-Loan," and "Agricultural E-Loan" to meet the funding needs of local farmers in areas like grain planting and livestock breeding [1] - The bank has partnered with Yulin Agricultural Credit Financing Guarantee Co., Ltd. to provide diversified financing guarantee services for agricultural enterprises, addressing financing challenges [1] - The bank has issued over 70 million yuan in "Warehouse Receipt Pledge Guarantee Loans," promoting the development of financial regulatory warehouse business in Yulin [1] Group 3 - ICBC Yulin Branch has emphasized the importance of financial literacy in rural areas, conducting over 30 promotional activities and reaching more than 3,000 individuals to help farmers understand agricultural support policies [2] - The bank has established 12 "Xingnong Tong" rural inclusive financial service points in various towns, utilizing financial technology to create new service channels [2] - The "Xingnong Tong" App has attracted over 30,000 users in rural areas, indicating a successful online customer acquisition strategy [2]

Group 1 - The core viewpoint of the articles emphasizes the role of the Industrial and Commercial Bank of China (ICBC) Yulin Branch in supporting the "Yushang Return" initiative, which aims to enhance local economic development through innovative financial products and services [1][2] - As of July 2025, the bank has issued nearly 50 million yuan in loans to small and micro enterprises under the "Yushang Return" program, contributing to high-quality local economic growth [1] - The bank has implemented a principle of "no loan withdrawal, no loan interruption, and no loan pressure" to assist struggling small and micro enterprises, ensuring continuous financial support [1] Group 2 - The bank has strengthened cooperation with government departments and enterprises to enhance the financial service system, signing a strategic cooperation agreement with the Yulin Municipal United Front Work Department in April 2025 [2] - The bank actively promotes innovative financial products such as "Industrial e-loan," "New Generation Business Quick Loan," "Chain Group Transaction e-loan," and "Cluster Merchant e-loan" to attract enterprise interest [2] - Regular communication mechanisms have been established with local government departments and industry associations to stay updated on the latest policies and market demands related to the "Yushang Return" initiative [2]

Core Viewpoint - The integration of technology and finance is crucial for the innovation and development of enterprises, particularly in the context of the oil drilling equipment manufacturing sector in Heilongjiang Province. Group 1: Company Overview - Heilongjiang Province's Hailin Xinke Petroleum Wear-Resistant Tools Co., Ltd. has been operational for over a decade and is recognized as an "innovation leader" in the oil drilling equipment manufacturing field [1][2]. - The company has faced significant funding gaps as it expands its business, necessitating support from financial institutions [2]. Group 2: Financial Support and Innovation - The People's Bank of China in Mudanjiang has established a comprehensive technology finance service system, enhancing financial services for technological innovation, with a loan balance for technology-based enterprises reaching 3.517 billion yuan by the end of May [1][3]. - The Industrial and Commercial Bank of China provided a credit limit of 3 million yuan to Hailin Xinke, enabling the company to purchase new equipment and expand its R&D team, thus revitalizing its innovation projects [2]. Group 3: Financial Products and Services - Various financial institutions in Mudanjiang have developed specialized credit products to meet the needs of technology-based enterprises, such as the "Kechuang Loan" with a maximum limit of 8 million yuan and favorable interest rates [4]. - The Construction Bank introduced the "Shanke Loan," tailored for small and micro technology enterprises, utilizing an online and offline process to better serve the growth needs of these companies [4].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Hezhou Branch is actively supporting the development of small and micro enterprises through targeted financial services, achieving significant growth in inclusive loans and enhancing the vitality of the real economy [1][5]. Group 1: Financial Support and Growth Metrics - As of May 2025, ICBC Hezhou Branch's inclusive loan balance reached nearly 1.4 billion yuan, with an increase of 141 million yuan, representing a growth rate of 11.32% [1]. - The branch has served 840 inclusive loan clients, with 76 new clients added [1]. - The inclusive loan balance for the calcium carbonate industry exceeded 530 million yuan, with an annual increase of 100 million yuan, reflecting a year-on-year growth of 41% [3]. Group 2: Tailored Financial Solutions - A specialized financial service team identified funding gaps for a local calcium carbonate manufacturer and arranged a customized financing solution, approving a credit loan of 10 million yuan within just 7 working days [2]. - The loan was structured to reduce financial costs by nearly 200,000 yuan through a rate reduction of 150 basis points below the benchmark [2]. - The bank also facilitated a seamless transition for the company by offering a "no repayment renewal loan" at the time of the loan's maturity, aligning with the company's production line launch [2]. Group 3: Policy Implementation and Strategic Support - ICBC Hezhou Branch has processed 767 loan renewals for small and micro enterprises over the past three years, totaling 1.1 billion yuan [5]. - The branch has actively implemented national policies to support small enterprises, issuing 597 "Guihui Loans" amounting to 1.3 billion yuan since the policy's inception [5]. - The bank's inclusive, agricultural, and private enterprise loans increased by 141 million yuan, 30 million yuan, and 96 million yuan respectively, with growth rates of 11.32%, 7.87%, and 1.55%, all exceeding the average loan growth rate [6].