Weihai Municipal Finance Bureau "Xincai Bank Insurance" enterprise financing platform

In recent years, the Weihai Municipal Finance Bureau has strictly implemented the requirements of the central, provincial, and municipal deployments, actively carried out the innovative financial model innovation, continuously improved the level of financial services, and provided strong guarantees for optimizing the development environment, stimulating market vitality, and response to the challenges of epidemic conditions. On August 28, Weihai City was identified as a pilot city for the construction of a local fintech platform by the Shandong Provincial Department of Finance. As one of the five pilot cities in the province, the Weihai Finance Bureau made full use of the results of big data construction and innovated the method of supporting enterprises in financial funds. The first "Caicai Bank Insurance" linkage mechanism, with the "big data+credit+guarantee" method, provides a new idea of ​​solving the financing problem of small and medium -sized enterprises, and formed a new practice exploration of financial support for inclusive finance.

Integrate the establishment of a credit security fund and strengthen the collection of credit information. By integrating special funds, the establishment of a credit guarantee fund with an initial scale of 200 million yuan, providing free credit guarantee guarantee for integrity enterprises, and in the form of government "credit endorsement+credit guarantee guarantee", it effectively dispels the concerns of financial institutions. At the same time, actively build a full -chain risk control system, and the credit guarantee fund and bank sharing in proportion to increase the attractiveness to the participation of financial institutions. By integrating information resources, breaking the barriers to information segmentation, and promoting the comprehensive utilization rate of the platform. First, information collection is more comprehensive. Based on the information of Weihai Public Credit Platform, through the business system of 55 departments in the 55 departments of the big data center, basic information such as corporate assets, taxation, and social security is fully collected. The second is that the data is more lively. According to the frequency of the department's business system, the data is updated simultaneously. Through data comparison and research, a number of "hard core" data were collected. For example, the use of enterprises to pay value -added tax reflects production and operation, and the medical insurance situation reflects the actual employment. The third is that the information is safer. Establish a data -authorized grading management system, which is uniformly managed by the municipal big data center to manage basic data. The municipal financial department is responsible for modeling and use. Other institutions can only obtain evaluation results after authorization to ensure information security to the greatest extent.

Scientifically build an index system and build a rating model framework. At the beginning of the model construction, cooperated with urban commercial banks to attract multiple banks, and jointly determined to extract 66 functional indicators to build a credit evaluation model, comprehensively cover and surpass the existing risk control indicators of the bank, accurately depict corporate portrait, the evaluation results are obtained The cooperative bank is fully recognized. At the same time, actively implement corporate business rating, and distinguish the level of precise levels. Based on precise portraits, the enterprise is divided into four levels A, B, C, and D, which will be guaranteed accordingly. The first is pledge. For A -level enterprise cooperation banks can provide full unpacking credit loans. B and C -level enterprises need to provide no more than 70%and 100%of the pledge and guarantee according to the loan quota. Enterprises do not enjoy the policy. The second is the loss of losses and losses for the principal of the actual loan. A, B, and C -level enterprises shall be shared by the Credit Fund and the Cooperation Bank according to the ratio of 8: 2, 6: 4, and 4: 6. The third is to introduce guarantee. For B and C -level enterprises, they can apply for guarantee services for government financing guarantee agencies to further solve financing problems.

Implement the financing one of the financing to improve the convenience of serving enterprises. After the enterprise independently releases the financing demand of the platform, it operates the banks to check the credit report by themselves. The banks can provide services based on the results of the corporate rating, and the enterprise will choose to determine the service bank in reverse according to the preferential conditions provided by each bank. As a result, banks and enterprises are two -way. At the same time, it continuously improves the efficiency of platform approval and provides enterprises with the most convenient financing services as much as possible. Enterprises only need to fill in the financing needs online. The bank will review lending based on the evaluation results, and the as soon as possible for 1 hour review and lending within 1 day. In addition, actively enhance the platform's comprehensive service function, integrate 65 support policies such as development and reform, industrial information and other departments, and coordinate the establishment of "enterprise -related policy supermarkets". Enterprises submit application materials online. It not only effectively enhanced the attractiveness of the "Fortune Bank Insurance" platform, but also helped enterprises understand policies, make good use of policies, further optimized the business environment, and promoted the high -quality development of the city's economy.

Source: Weihai City Finance Bureau

- END -