Core Viewpoint - The "Chie Rong" platform in Chipping District, Shandong Province, aims to alleviate financing difficulties for small and micro enterprises by integrating government data into financial credit assets, thus enhancing the efficiency of credit approval and risk management [3][4][6]. Group 1: Platform Overview - The "Chie Rong" platform was established to create a collaborative model between finance and government, integrating data from 13 departments to support economic development [3]. - The platform has successfully integrated over 10,000 pieces of data related to agriculture and enterprises, covering more than 3,000 companies and 280 new rural operating entities [4]. - The platform has facilitated 1,407 financing transactions totaling 39.91 billion yuan, serving 964 market entities within a year [15]. Group 2: Data Sharing and Credit Assessment - The platform utilizes big data analysis and credit rating models to create credit profiles for enterprises, helping financial institutions assess repayment capabilities and reduce credit risks [6]. - The platform has accumulated 193 credit approvals from Chipping Rural Commercial Bank, amounting to 1.287 billion yuan, which represents 20% of the bank's total enterprise loans [6]. Group 3: Policy Coordination and Financial Products - The platform promotes precise delivery of supportive policies and custom financial products, offering over 50 subsidy policies for enterprises [7]. - It has partnered with 15 banks and 5 insurance companies to develop 108 agricultural and enterprise credit products, enhancing the alignment between financial offerings and market needs [9]. Group 4: Risk Mitigation Strategies - A risk compensation system has been established to create a multi-layered risk mitigation framework, including a government financing guarantee system to support small and micro enterprises [10][13]. - The platform has implemented a risk compensation fund to cover bad loans generated through its credit services, maximizing the leverage effect of fiscal funds [13]. Group 5: Impact on Local Economy - The platform has effectively connected financial resources to rural revitalization efforts, facilitating loans of approximately 4 billion yuan to agricultural entities [9]. - The collaboration between fiscal and insurance sectors has successfully reduced operational risks for local enterprises, exemplified by a case where insurance payouts mitigated significant losses in livestock farming [12].