为有效解决银企信息不对称问题，进一步打通小微企业融资堵点，民泰银行长兴支行积极运用全国中小微企业资金流信 用信息共享平台(以下简称"资金流信息平台")，实现数据共享、精准画像、快速审批、高效放款，切实做到"让信息多跑 路、企业少跑腿"，努力打通金融服务小微企业的"最后一公里"。 浙江某科技公司，位于浙江省湖州市长兴县夹浦镇环城村，企业主要生产窗帘布相关产品，原料以棉、纱为主。产品以 订单式销往全国各地，下单多为熟客，基本无预付款，需等货物签收后支付货款。但受整体经济下滑影响，应收账款回 款变慢，垫资铺货时间拉长，企业面临资金回流慢，盈利迟缓的僵局。 民泰银行长兴支行在市场走访中初步了解到企业困境后，第一时间派出服务小队进行专门对接。在与企业负责人深入沟 通后，得知企业正处于想抓住原材料价格低位机遇但运营资金又不足的两难处境，而后，支行服务团队为企业送上资金 流信息平台这一"融资利器"，排除了因资金储备不充足带来的疑虑。 "在得到贷款资金后，我们加大了原料备货，订单的生产和结算周期也进一步缩短，有效的盘活了资金流，真的感谢民 泰银行"。企业负责人握着民泰银行长兴支行客户经理的手说道。 "资金流信息平台就像企业的 ...

街边小店、初创小微企业是城市乡村最鲜活的"烟火气"，却往往受困于经营分散、财务不规范，被传统 信贷审核挡在门外，不少经营者想贷不敢贷、急贷贷不到。中国人民银行河南省分行主动引导金融机构 深挖资金流信用信息核心价值，让这些"小主体"的经营数据"说话"，把分散在账表里的"软信息"变成银 行认可的"硬信用"，让普惠金融真正"普"到千家万户、"惠"到经营末梢。 截至目前，河南省依托资金流信息平台共为5855家企业发放普惠类贷款182.2亿元。其中，河南某粮油 公司的经营颇具行业特性：结算账户分散、同户名账户多、公转私频繁，传统模式下金融机构需耗费大 量人力核验流水，效率较低。招商银行郑州分行借助资金流信息平台，一键整合企业账户收支数据，快 速厘清企业经营收支曲线，破解"风险难评估"困局，为企业授信1000万元。老板感叹道："原来小微企 业贷款也能这么省心。" 中小微企业是经济肌体的"毛细血管"，是稳增长、保就业、激活创新的活力源泉。作为经济大省、人口 大省、农业大省，河南始终把服务中小微企业、激活市场主体活力放在重要位置。全国中小微企业资金 流信用信息共享平台（以下简称"资金流信息平台"）上线以来，中国人民银行河南省 ...

Core Insights - The implementation of the fund flow information platform has significantly improved access to credit for small and micro enterprises in Hubei, enabling them to secure loans quickly and at lower interest rates [1][2][3] Group 1: Fund Flow Information Platform - The fund flow information platform allows banks to assess the creditworthiness of small enterprises that lack traditional credit histories, thus addressing the "white household" issue in credit evaluation [3][4] - The platform has facilitated the issuance of loans totaling 483.8 billion yuan to 7,878 enterprises, with 352.4 billion yuan disbursed as of September 2025 [5] - The platform captures multi-bank account settlement data, providing a comprehensive view of a company's cash flow and transaction stability, which aids in credit approval [4] Group 2: Collaborative Efforts - The People's Bank of China Hubei Branch has collaborated with local departments to promote the fund flow information platform as a key initiative, enhancing financial supply [2] - A series of training sessions have been conducted for financial institutions, with 1,638 participants trained on platform functionalities and risk management [3] - The bank has implemented a dynamic tracking system to monitor the progress of financial institutions in adopting the platform, ensuring accountability and timely implementation [2][4] Group 3: Case Studies and Success Stories - A cultural media company successfully secured a 1.5 million yuan loan within a day due to the platform's efficient credit assessment process, which lowered their interest rate by 1 percentage point compared to traditional loans [1] - An environmental technology company, classified as a credit "white household," received a 3 million yuan loan by utilizing the fund flow report to fill its credit gap [3] - A technology-focused enterprise in the herbal medicine sector was granted a 5 million yuan loan, demonstrating the platform's effectiveness in supporting local industries [5]

Group 1 - The National Fund Flow Credit Information Sharing Platform, organized by the People's Bank of China, aims to enhance financing opportunities for small and micro enterprises by providing accurate credit information reflecting their operational and financial status [2] - Since its launch in October 2024, the platform has facilitated nearly 512 million yuan in loans for 92 enterprises through Jiajing Rural Commercial Bank, creating a positive financial ecosystem [2] - The platform helps financial institutions assess credit status more accurately, thereby reducing financing costs for enterprises, especially those with limited credit history [2] Group 2 - Shandong Qitian New Materials Co., Ltd., a subsidiary of Suzhou Qitian New Materials Co., Ltd., has established a project for lithium battery electrolyte materials with an annual capacity of 3,700 tons and is currently in the ramp-up phase of its second project, which has a total investment of 1.36 billion yuan [3][4] - The company successfully secured a credit line of 9.8 million yuan through the fund flow information platform, addressing its working capital needs [3] - Jining Huasheng Environmental Technology Co., Ltd. has diversified its product offerings in aluminum profiles and has expanded its production capacity, leading to increased working capital requirements [5][6] Group 3 - Jiajing Rural Commercial Bank has been proactive in utilizing the fund flow information platform to analyze enterprise data, enhancing credit assessment and risk evaluation processes [6] - The bank aims to continue expanding the application of the fund flow information platform in key industrial chains, ensuring that financial services meet the actual needs of small and micro enterprises [6]

来源：齐鲁晚报 刘凯平 济宁报道 长期以来,中小微企业融资难、融资贵问题比较突出。这些企业大多处于初创期或者成长期,往往缺乏有 效的抵押和担保,难以满足传统信贷模式的贷款要求。同时,企业信用信息较为分散、获取难度大,也制约 了金融机构基于信息发放信用贷款的能力。为解决中小微企业融资难题,全国中小微企业资金流信用信 息共享平台(以下简称"资金流信息平台")于2024年10月25日正式上线运行。自资金流信息平台上线运行 以来,济宁农商银行在中国人民银行济宁市分行及山东省农村信用社联合社指导下积极推广应用,截至 2025年10月底,通过该平台,济宁农商银行成功为166户中小微企业授信8.36亿元,为本地产业经济发展注入 强劲动能。 授信便捷 解决企业燃眉之急 "当时,我们正面临订单高峰期的资金周转压力,传统抵押贷款需要准备产权证明、抵押物评估等材料,前 后得一个月以上,耗时费力。通过资金流信息平台,我们仅用一周就拿到了1000万元无抵押授信。"山东佳 信机械设备有限公司总经理陈广冲笑着说。 位于任城区长沟镇前陈村的山东佳信机械设备有限公司是一家主营机械设备制造与销售的企业,经过多 年的发展,公司从一个轧辊磨具厂发展 ...

Core Viewpoint - The establishment of the fund flow credit information sharing platform has significantly improved the financing accessibility for small and micro enterprises in China, facilitating over 330 enterprises to secure financing of 1.698 billion yuan within a year [1] Group 1: Financing Challenges and Solutions - The fund flow information platform addresses the financing difficulties faced by small and micro enterprises, particularly those classified as "credit white households" with insufficient credit history [4][7] - The platform enables financial institutions to utilize real operational data from enterprises to create quantifiable credit assets, thus lowering the barriers for first-time loans [4][7] Group 2: Case Studies of Successful Financing - The platform has successfully assisted companies like Wangcang County Fuxin Hydropower Development Co., Ltd. in obtaining their first loan of 1 million yuan, overcoming previous challenges due to lack of collateral [2][4] - Sichuan Zhengshun An Breeding Co., Ltd. was able to secure a credit loan of 1 million yuan with an increased credit limit of 1.76 million yuan, demonstrating the platform's efficiency in loan approval processes [5][7] Group 3: Future Directions and Goals - The People's Bank of China in Guangyuan will continue to guide financial institutions in leveraging the fund flow information platform to enhance the financing channels for small and micro enterprises [7] - The aim is to implement a mechanism that encourages lending, thereby injecting more financial resources into the local economy and supporting the growth of the real economy [7]

Core Insights - The People's Bank of China has launched a national credit information sharing platform for small and micro enterprises, enhancing the interconnectivity of credit information and supporting high-quality economic development [1] Group 1: Platform Overview - The national small and micro enterprise fund flow credit information sharing platform is a crucial financial infrastructure aimed at improving credit information sharing among banks [1] - Shanghai has become a pioneer in this initiative, being the first to connect foreign banks to the platform, thereby promoting mutual sharing of credit information [1] Group 2: Recent Developments - As of October 2025, six additional banking institutions in Shanghai have successfully connected to the fund flow information platform, including four foreign banks, one rural commercial bank, and one private bank [1] - Notable foreign banks that joined the platform include HSBC China, Standard Chartered China, Fubon Bank (China), and Nanyang Commercial Bank (China), which expands the platform's coverage and service capabilities [1]

Core Viewpoint - The establishment of the national small and micro enterprise fund flow credit information sharing platform is a significant step by the People's Bank of China to enhance the credit information interconnectivity mechanism for small and micro enterprises, aiming to support high-quality economic development [1] Group 1 - The fund flow information platform is an important financial infrastructure for exploring the application of bank fund flow credit information sharing [1] - Shanghai has become a pioneer in this initiative, leveraging its resources as an international financial center to connect the first batch of foreign-funded banks to the platform [1] - The second batch of six banking institutions in Shanghai, including four foreign banks, one rural commercial bank, and one private bank, successfully connected to the platform by October 2025 [1] Group 2 - The inclusion of foreign banks such as HSBC, Standard Chartered, Fubon Bank, and Nanyang Commercial Bank expands the platform's coverage and enriches the types of participants [1] - This development is expected to broaden the service radius of the platform and inject new momentum into supporting economic growth [1]

Core Insights - The establishment of the National Small and Micro Enterprises Fund Flow Credit Information Sharing Platform aims to enhance the financing accessibility for small and micro enterprises by improving credit information sharing and addressing the challenges of traditional credit assessment methods [1][2][4] Group 1: Platform Overview - The Fund Flow Information Platform is designed to provide financial institutions with critical credit information beyond traditional credit history, enabling better assessment of small and micro enterprises' creditworthiness [2][5] - The platform aims to convert dormant credit assets of small and micro enterprises into quantifiable financing capital, facilitating a more efficient and transparent credit information exchange [2][4] Group 2: Impact on Enterprises - The platform has enabled enterprises, such as a hotel in Jiujiang, to secure significant loans without traditional collateral, demonstrating the effectiveness of data-driven credit assessments [3][6] - By utilizing the platform, financial institutions can offer lower interest rates and faster loan approvals, significantly improving the financing conditions for small and micro enterprises [3][7] Group 3: Financial Institutions' Perspective - Financial institutions have praised the platform for its extensive coverage and high-quality information, which enhances their ability to assess credit risk accurately and efficiently [5][6] - The platform allows for a comprehensive integration of transaction data across multiple banks, addressing issues of fragmented data and improving risk assessment processes [5][6] Group 4: Broader Financial Ecosystem - The platform supports the development of inclusive finance by addressing the urgent funding needs of small and micro enterprises, thereby reducing financing costs and improving efficiency [4][8] - It fosters a positive cycle of creditworthiness by encouraging enterprises to enhance their financial management and accumulate "credit wealth" [4][9] Group 5: Performance Metrics - Since its launch, the platform has facilitated over 123.41 billion yuan in financing support, with more than 4.14 million queries recorded, showcasing its effectiveness in breaking down barriers between banks and enterprises [9]

Core Insights - The article highlights the successful collaboration between the Bank of Communications Bengbu Branch and a local environmental technology company, which received a mid-term loan approval of 10 million yuan in just two working days to alleviate short-term cash flow pressures due to increased sales [1][2] Group 1: Company Overview - The environmental technology company has been established for six years, focusing on resource recycling technology research and waste metal recycling, contributing significantly to local economic development and resource circularity [1] - In 2024, the company was approved for a short-term loan of 9 million yuan from the Bank of Communications [1] Group 2: Financial Support and Impact - Since 2025, the company has experienced significant sales growth, leading to an extended accounts receivable turnover period and increased short-term funding needs [1] - The Bank of Communications initiated a renewal of credit after understanding the company's challenges, utilizing the People's Bank of China’s fund flow information platform to efficiently access the company's financial data from multiple banks [1] - The bank completed the approval process quickly, converting the existing short-term loan into a more flexible mid-term loan, providing 10 million yuan in credit support, which the company has fully utilized to relieve its financial pressure [1] Group 3: Technological Integration - The use of the fund flow information platform represents a practical implementation of integrating technology finance with inclusive finance, enhancing the dynamic tracking of the company's operational status, income and expenditure, and performance capabilities [2] - The platform has significantly improved information symmetry between banks and enterprises, providing a reliable basis for credit financing for small and micro enterprises [2] - As of now, the Bank of Communications Bengbu Branch has completed 182 inquiries through the platform, resulting in 85 credit approvals totaling 222.3 million yuan, including 85.024 million yuan in credit loans [2]