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数字普惠金融的“龙岩实践”
Jin Rong Shi Bao· 2025-05-06 03:16
Core Insights - The "e Longyan" digital inclusive finance service platform has been recognized as an innovative case in digital government and has received multiple honors for its financial innovation efforts [2][3] Group 1: Digital Inclusive Finance Development - Longyan City has focused on developing inclusive finance by establishing the "e Longyan" platform, which integrates real-time public credit data from 18 departments and over 2000 items, providing a comprehensive digital financial service [2][3] - The platform has onboarded 33 banking institutions and 13 government-backed guarantee companies, offering 605 financial products and achieving interconnectivity with national platforms [2][3] Group 2: Financial Products and Services - The platform features six specialized sections including "Entrepreneurship Guidance" and "Rural Revitalization," and has launched 21 instant loan products with processing times as short as 5 minutes [3][4] - As of April 11, 2025, the platform has facilitated 83,100 online financing transactions, amounting to a total credit of 15.691 billion [3] Group 3: Innovation in Financing - The "Science and Technology Innovation Points e-loan" product was introduced to address financing challenges for innovative enterprises, with a total signing amount of 2 billion [4][5] - The evaluation system for enterprise innovation allows companies to obtain financing without collateral, with the "Science and Technology Innovation Points e-loan" having issued 194 million by March 2025 [5] Group 4: Remote Banking Services - The "Remote Banking" service has enabled clients to complete loan renewals online, showcasing the digital transformation of financial services in Longyan [6] - This service model has been recognized at the 2022 World Internet Conference, highlighting the innovative financial service achievements of Longyan [6] Group 5: Rural Financial Services - Longyan has developed a blockchain financing service platform for forestry, facilitating online operations for forest rights and significantly improving financing efficiency for farmers [7] - As of March 2025, the platform has issued 5,573 loans totaling 1.231 billion, supporting the transformation of ecological resources into economic benefits [7]