Credit empowering inclusive finance, exceeding 360,000 companies run "acceleration" in financing in Sui Sui

Text/Yangcheng Evening News all -media reporter Hang Ying Correspondent Sui Fa Xuan

"Unexpectedly, the turnover problem of the funds was resolved without leaving home!" Said Mr. Xie Xie, the person in charge of Guangzhou Haizhuhai Zhikang Medical Technology Co., Ltd..

After submitting a loan application through the national SME financing comprehensive credit service platform Guangzhou (hereinafter referred to as the Guangzhou "Xinyi Loan" platform), in just 5 days, Mr. Xie got the credit loan provided by the Bank of Guangzhou. The pressure on funds is relieved.

Chen Jianbang, the client manager of the Bank of Guangzhou, told reporters that based on the precise portrait provided by the Guangzhou "Xinyi Loan" platform, they provided the company with the corresponding amount of unsecured unsecured loans. "It takes 5 days to apply from the enterprise to the bank to lend, and it takes 15 days to complete the entire process of offline financing."

In Guangzhou, credit is an important certificate for corporate financing. As of July 2022, more than 360,000 companies have registered on the "Xinyi Loan" platform in Guangzhou, and they can enjoy this financing convenience.

Since 2020, Guangzhou has actively promoted the "Xinyi Loan" model based on information sharing and big data development and use. Through credit empowerment, financial "living water" was introduced into enterprises, accurately poured the real economy, and explored a local characteristic of local characteristics "Credit+technology+inclusive finance" innovative application.

Based on the first trial of corporate credit financing, the Guangzhou "Xinyi Loan" platform won the title of "National SME Financing Comprehensive Credit Service Demonstration Platform" in 2021. At the end of May this year, the Guangzhou "Xinyi Loan" platform took the lead in carrying out the pilot work of "Credit Information Sharing Application Promoting Small and Medium -Micro -Enterprise Financing" banking institutions and local platforms. The work is deeply implemented to realize the full process of the platform and further improve the comprehensive service capabilities.

Loan application is approved within one day

Relying on Guangzhou's "Xinyi Loan" platform, "Xinyi Loan+" has become an important product matrix of Guangzhou's financial institutions. Innovative financial products such as "Catering Xinyi Loan", "Electricity Xinyi Loan", "Logistics Xinyi Loan" and "Xinyi Tea Commercial Loan" have been launched one after another, and new application scenarios are continuously landing.

In Liwan District, Guangzhou, less than a day, Guangzhou Taosha Culture Communication Co., Ltd. has received bank loan approval. "I have also made a bank mortgage loan before. This time, the materials have been simplified a lot, and the process is more efficient," said Mr. Xiao, the person in charge of the company.

"We obtained public credit data of tea merchants through the Guangzhou 'Xinyi Loan' platform, and combined with the internal data of the bank, we specially designed the financial product of" Tea Commercial Loan "to establish a pre -teaching model. . "The person in charge of the inclusive financial business department of the Guangzhou Branch of China Construction Bank introduced that the" tea commercial loan "adapts to the business business entity or individual industrial and commercial households in the tea market. The characteristics of borrowing, as well as, help solve the financing problem of tea merchants.

According to statistics, as of July 2022, the Guangzhou "Xinyi Loan" platform has settled in 54 banking institutions. The banking institutions have launched 415 financial products through this platform, which promotes the amount of loan for nearly 150 billion yuan. Leading in the country.

For corporate credit accurate "portrait"

In response to problems such as low degree of matching of small and medium -sized enterprises and conventional financial products, under the coordination and guidance of the Guangzhou Development and Reform Commission, the Guangzhou "Xinyi Loan" platform deeply digs the value of credit data and continues to develop exclusive credit finance products. The industrial Internet, manufacturing and other fields have landed. Registered enterprises can apply for corresponding characteristic financial products through the platform.

For example, in order to develop the "anti -epidemic zone" in the influence of the affected SMEs, 18 credit products were launched, with a minimum of 2.5%of the annualized interest rate, helping enterprises to relieve difficulties; Special "new" enterprises provide specialized and refined financing services to help small and medium -sized enterprises enhance growth and competitiveness.

The reporter learned from the Guangzhou Development and Reform Commission that the platform can not only quickly find the appropriate financial products and policies for enterprises, but also help financial institutions to improve customer acquisition accuracy. Relying on credit information to better realize the role of empowering the real economy.

The realization of the function of Guangzhou's "Xinyi Loan" platform is due to the establishment of the "base" of the credit information involved in enterprises. The platform connects the municipal public credit information management system, and actively strengthen cooperation with the data departments of the characteristic industry, and incorporates the data, transportation, communications, industrial Internet and other industries into it.

Under the premise of authorization of information, the platform can inquire about relevant enterprise -related data, and deeply excavate data credit value, form a "credit portrait" of enterprises, becomes the basis for financial institutions to evaluate decision -making, and provide reference for financing review.

Thanks to the precise portrait of "Xinyi Loan", small and medium -sized enterprises with good credit conditions will be easier to obtain financing loans of financial institutions and get better corporate development space.

As a "bridge" of credit financing

Guangzhou's "Xinyi Loan" platform exerts the "bridge" function to provide docking services for enterprises and financial institutions. By setting up more accurate financing loan channels, it helps enterprises to obtain more suitable financial support, and at the same time help financial institutions to accurately obtain customers.

Combined with the bank's financial product access conditions, the platform actively develops rules engines to match the risk portrait and product matching of corporate credit data. After the enterprise submits a loan application on the platform, it can intelligently match bank financial products, and according to the location of the enterprise, it can be distributed to the corresponding financial institutions to follow up, and responds to the needs of the enterprise faster. At the same time, the Guangzhou "Xinyi Loan" platform continues to promote the application of credit data in the financial field, and develops high -quality innovative financial products with banking institutions.

Using the characteristic industry data, the Guangzhou "Xinyi Loan" platform actively cooperates with industry companies to jointly develop credit products with industry characteristics with banking institutions.

For example, cooperate with financial institutions such as Postal Savings Bank, Construction Bank, ICBC and other financial institutions to give full excavation of special industries such as transportation, power, operators, professional markets, and industrial Internet platforms to develop exclusive credit products. Through credit empowerment, the Guangzhou "Xinyi Loan" platform accurately connects to the financing needs of enterprises and quickly completes credit, thereby alleviating the financing problems of small and medium -sized enterprises.

It is worth mentioning that the relevant person in charge of the Guangzhou "Xinyi Loan" platform introduced that the Guangzhou "Xinyi Loan" platform is currently exploring the "data inquiry authorization letter" with financial institutions. "Authorization", you can complete the process of the entire credit financing online, so as to realize the full process of online closed -loop operation of the platform registered enterprise application for loans and service processing. Enterprise financing convenience and experience will be greatly enhanced.

"According to the traditional process, enterprises need to register, submit materials, review, open accounts, and even go to the offline business hall to handle it in the bank. Submit materials, multiple authorization, and trouble running. "The person in charge said.

Source | Yangcheng Evening News · Yangcheng School

Editor -in -law | Li Xu

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