资金流信用信息服务
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精准赋能区域特色产业
Jin Rong Shi Bao· 2025-10-30 00:44
Core Insights - The People's Bank of China, Zhejiang Branch, is leveraging the national small and micro enterprise fund flow credit information sharing platform to enhance financial services for traditional industries, ecological value transformation, and marine economic development, supporting high-quality regional economic growth [1] Group 1: Financial Support for SMEs - Financial institutions in Zhejiang have conducted 996,000 queries on the fund flow information platform, supporting nearly 41,000 small and micro enterprises with credit financing exceeding 175 billion yuan by September 2025 [1] - The platform enables banks to analyze enterprises' credit profiles based on transaction flows, tax payments, and utility bills, facilitating customized credit solutions for businesses facing financing challenges [1] Group 2: Case Studies of Financial Empowerment - TaNiang (Shaoxing) Wine Culture Communication Co., a traditional yellow wine enterprise, received a 4 million yuan credit line from Chouzhou Bank after the bank utilized the fund flow information platform to assess the company's stable operations and good credit [1] - Anji Water Drip Stone Penetration Tourism Development Co. secured a 3 million yuan credit loan from Anji Rural Commercial Bank, which was based on the company's stable daily cash flow of 28,000 yuan during peak seasons, enabling the development of competitive tourism products and increasing occupancy rates of nearby inns by 35% [2] - Zhoushan Hai Ri Sheng Aquatic Products Co., facing financing difficulties due to low profit margins and high debt ratios, received a 70 million yuan loan from Dinghai Ocean Rural Commercial Bank within seven working days, thanks to the analysis of its stable supply chain and healthy cash flow through the fund flow information platform [2]