泰兴的科创公司为扩大产能愁眉不展 兴化的批发零售企业因资金不足而犯难 这些曾困扰无数中小微企业的发展难题 如今正被一个平台破解 01 02 能为企业做什么？ 生成专属信用信息报告：平台基于企业授权提供的账户资金流水，动态生成反映经营状况与偿债能力的资金流信用信息报告，帮助企业告别"信用白户"。 两类产品：提供资金流信用信息报告与资金流信用信息明细汇总产品，供企业在融资时一键授权金融机构查询使用。 自主可控、安全便捷：企业可自主选择共享某一或多个账户信息，无授权不调用。 03 平台是什么？ "全国中小微企业资金流信用信息共享平台"由中国人民银行征信中心负责建设、运行及维护，可在全国范围内统一共享企业资金流信用信息，全生命周期 的动态反映企业的经营状况、收支状况、偿债能力、履约行为等，能丰富企业信用图景、助力中小微企业融资。 3188家 如何使用平台？ 登录官网https://www.cfcii.org.cn/，完成企业身份验证。或登录"全国中小微企业资金流信用信息共享平台"微信小程序进行操作。 资金账号绑定：企业通过平台操作绑定资金账号，委托银行等信息提供机构按照其要求对外提供资金流信用信息。 查询授权管理：企 ...

金融机构贷前"十步穿透"+审查、贷后全流程管控与信贷业务能力进阶专题研修班（广东&珠海） 2026年信贷投向精准形势与五大金融领域风险防控实战研修班-浙江&杭州 农信金融人-仝金贝 "以前贷款要跑多次、备一堆材料，现在有了资金流信息平台，银行通过数据分析就能精准判断企业经营状况，增信500万元很快就批下来了，解了我们设 备升级的燃眉之急！"近日，郓城翔腾纺织有限公司负责人拿到新增授信后，对郓城农商银行的高效服务赞不绝口。 这一便利场景的背后，是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"）的有力支撑。自2024年10月25日平台上线以来，该行高 度重视，统筹多部门协同发力，通过强化培训督导、健全制度流程、加大宣传推广等一系列举措，全面提升平台使用质效，让数据资源转化为金融活水， 为辖内中小微企业提供精准高效的金融服务，助力实体经济高质量发展。 平台推广初期，该行在省联社集中培训基础上，专门组织辖内支行信贷人员开展"操作示范"专项培训，将客户授权、平台操作等关键流程录制视频，供全 员反复学习演练，确保每一位信贷人员都能熟练掌握平台功能。同时建立周调度机制，实时跟踪平台应用情况，层层压实责任， ...

Core Insights - The National SME Fund Flow Credit Information Sharing Platform is set to launch on October 25, 2024, aimed at improving financing efficiency for small and micro enterprises [2] - The platform will facilitate access to credit information for banks, helping to address challenges faced by enterprises lacking collateral or credit history [2] Group 1: Service Overview - Target Audience: The platform primarily serves small and micro enterprises, including individual businesses [2] - Service Providers: Key participants include state-owned commercial banks, national joint-stock banks, rural commercial banks, and urban commercial banks [2] - Service Offerings: The platform provides information support for bank credit and loan management, allowing enterprises to authorize banks to access their fund flow credit information [2] Group 2: Operational Mechanism - Data Account Creation: Each small and micro enterprise will have a dedicated data account, with the option to share information with financial institutions [3] - Authorization Process: Enterprises can authorize banks to access their fund flow credit information through a secure process involving identity verification and authorization confirmation [3] Group 3: Application and Impact - Local Implementation: The Jining branch of the People's Bank of China is actively promoting the platform as a key tool for enhancing financial services to the real economy [3] - Results: As of September 2025, 35 pilot banks have facilitated 2,100 loans totaling 9.314 billion yuan to 1,625 enterprises, with 97% of these loans going to small and micro enterprises [3]

Core Viewpoint - The establishment of the national small and micro enterprise capital flow credit information sharing platform is a crucial infrastructure to support the financial "five major articles," enhancing credit information services and facilitating financing for small and micro enterprises [1][2][3]. Group 1: Support for Financial "Five Major Articles" - The capital flow information platform is essential for optimizing credit resource allocation and promoting financing for small and micro enterprises, aligning with the strategic needs of high-quality economic development [2]. - The platform addresses issues of information asymmetry and enhances the interconnectivity of credit information, forming a modern financial system with Chinese characteristics [2][3]. - The platform has established credit information files for over 60 million enterprises, supporting nearly 700 billion yuan in financing for small and micro enterprises [1][3]. Group 2: Characteristics of Capital Flow Information Platform - The platform provides comprehensive, reliable, and real credit information, which is crucial for financial services [3]. - It covers a wide range of enterprises, achieving near-total coverage of small and micro enterprises [3]. - The platform operates as a public service, with maintenance costs borne by the credit center, maximizing social benefits and reducing financing costs for small and micro enterprises [3][4]. Group 3: Application Mechanism and Data Utilization - The platform has been integrated into credit decision-making and risk management processes of financial institutions, enhancing its role as a foundational infrastructure [6][7]. - It encourages financial institutions to utilize the platform for credit management, improving the accessibility of financing for credit-limited small and micro enterprises [7][8]. - The platform provides detailed credit products, including monthly summaries and quarterly reports, which help in constructing a comprehensive credit assessment system [4][10]. Group 4: Initial Achievements and Future Directions - As of July 2025, the platform has supported nearly 700 billion yuan in credit for innovative and agricultural enterprises, demonstrating its effectiveness [11][12]. - The platform has facilitated the development of various credit products tailored for small and micro enterprises, enhancing the financing landscape [14][15]. - Future efforts will focus on expanding the range of participating financial institutions and enhancing the protection of information subject rights [19][20].