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湖北中小企业商业价值信用贷款累计放款41.2亿元
Sou Hu Cai Jing· 2025-06-06 01:27
Group 1 - The core point of the news is the introduction of a new credit loan policy in Hubei, which allows small and medium-sized enterprises (SMEs) to obtain loans based on their commercial value without the need for collateral [1][2] - Hubei Dingpu Environmental Technology Co., Ltd. successfully secured a loan of 3 million yuan within three days through the "E-Rong-Tong" platform, highlighting the efficiency of the new loan process [1] - Since the implementation of the commercial value credit loan policy in April, over 105,750 enterprises have registered on the platform, with 6,001 loan applications received by 22 banks, resulting in a total loan issuance of approximately 4.12 billion yuan [1][2] Group 2 - The policy aims to shift the traditional financing logic from "heavy collateral, light credit" to a model that relies on data and fiscal support, establishing a commercial value credit assessment model for SMEs [2] - The maximum credit limit for SMEs under this policy is set at 10 million yuan, and the entire process is conducted online, eliminating the need for physical visits to banks [2] - To mitigate bank risks, Hubei has established a risk fund pool of 1 billion yuan at both provincial and municipal levels, encouraging banks to lend more freely [2]