Jiangsu United Credit Credit: Building a new pattern of "one -piece and two wings" to promote high -quality development of inclusive finance

"We have just been established for 2 years and have never had a bank loan. I did not expect that through the Jiangsu Provincial Comprehensive Financial Service Platform, we soon applied for 2 million yuan in credit loans." Nanjing Haifeng Environmental Protection Technology Co., Ltd. is a focus on Qi Gyro Industrial Collection In the first two years of the development, production and sales of dust collectors, the company's sales scale expanded rapidly. Therefore, the tight flow of mobile funds occurred. This time, the person in charge of the company, Mr. Xu, was "unexpected."

In fact, Nanjing Haifeng Environmental Technology is indeed a "credit white household" without mortgage. Why can the company get credit loans? A client manager of Nanjing Bank revealed that this was because the bank obtained the corporate credit reporting report through the Jiangsu corporate credit reporting service platform, and learned from its industrial and commercial information, social security provident fund deposit information, corporate patent, copyright and other replacement data. The company has stable operation and good development potential. Therefore, credit loan credit is given in time to help companies alleviate the difficulty of liquidity turnover.

Jiangsu Provincial Comprehensive Financial Service Platform and Jiangsu Enterprise Credit Service Platform are responsible for the construction and operation by Jiangsu Joint Credit Credit Corporation. Since 2016, the Provincial Party Committee and the Provincial Government have issued many documents to provide specific requirements for the construction of a provincial comprehensive financial service platform and a provincial corporate credit reporting service platform, and the establishment of a provincial credit reporting company. With the approval of the provincial government, the Jiangsu United Credit Credit Credit was officially established in June 2019. In accordance with the decision -making and deployment of the Provincial Party Committee and the Provincial Government, the company adheres to the guidance of government and market leadership, implements the mission of state -owned enterprises, assumes social responsibilities, and builds two platforms through the "two -wing" model. The provincial financial service platform has a bridge between the province's small and medium -sized enterprises and financial institutions in the province. The provincial credit reporting platform uses a full range of credit reporting services as a bank -enterprise access.

As an important part of the construction of digital Jiangsu, Jiangsu United Credit Credit Credit Credit is committed to promoting the innovative application of digital technology in the field of credit recruitment, actively using emerging cutting -edge technologies such as big data, cloud computing, artificial intelligence, and blockchain to promote the foundation of inclusive finance The smart upgrade of facilities has effectively improved the accessability of financial services of small and medium -sized enterprises, and promoted the high -quality development of inclusive finance in the province.

Make every effort to create a "one -Netcom" of inclusive finance

Since its establishment, the Jiangsu United Credit Credit has effectively promoted the collection of data integration and steadily expanded corporate credit information coverage. As of the end of May this year, the collection information covered the total of 570 million data items such as industrial and commercial, credit, justice, real estate, vehicles, fiscal and taxation, intellectual property rights, and credit, involving more than 13 million market entities, achieving full coverage of enterprises in Jiangsu Province.

Relying on the Jiangsu Province Financial Service Platform, Jiangsu United Credit Credit has given full play to the advantages of fintech, and 22 platforms such as the provincial financing and credit service platform, the provincial green financial comprehensive service platform, and the provincial financial development risk compensation fund service platform. Service embedded into various platforms, digging data value, stimulating digital productivity, and in accordance with the work mechanism of "data collection+financial services+risk compensation" to create a "one -Netcom" project in the province's inclusive finance.

The provincial financial service platform has become an important position in Jiangsu's inclusive financial services. As of now, the platform has accumulated over 1 million registered companies and 413 financial institutions in various types of financial institutions. The cumulative help 230,000 small and medium -sized enterprises has obtained approximately 2.25 trillion yuan in credit, of which 81,000 are the first loan households, with the first loan amount of 259 billion yuan Yuan.

Greatly improve the operating efficiency of financial institutions

"In the past, the customer manager's exhibition industry obtained customers in our sub -branch, which mainly depends on the list of enterprises issued by the provincial bank. The communication process is long and inaccurate in time and inaccurate information." According to the employees of the Ministry of Finance, the customer manager of the bank only needs to log in to the "Jiangsu Financial Service" APP to use the "Excellent Enterprise Search" independent search surrounding high -quality enterprises. It has doubled.

It is understood that before, Jiangsu United Credit Credit has developed "Su Xin Division" covering the province's enterprises, achieving quantitative evaluation of enterprises. "You Enterprise Search" is a small tool developed based on "Su Xin Division" to help financial institutions find enterprises accurately.

During the specific operation process, the customer manager can screen the "Su Xin score" on the mobile phone side of the Jiangsu Comprehensive Financial Service Platform "Jiangsu Financial Services" APP according to the geographical location, industry classification, whether government special list, patent information and other conditions. The list of high enterprises can be viewed at any time to check the basic portraits of the enterprise to understand the business status of the enterprise in an all -round way. In addition to the "Su Xin Division" and "Excellent Enterprise Search", at present, Jiangsu Union Credit Credit also launched products such as "Suxin Code" and "Excellent Enterprise Loan". A comprehensive cooperation has been carried out in the field.

Accurately help the central bank's funds and direct access to the central bank

In recent years, the People's Bank of China has been helping enterprises to relieve the rescue and increased the innovation of monetary policy instruments. The scale of monetary policy funds has continued to increase. Effective. At the same time, the pressure of funding compliance review of grassroots people's banks has continued to increase.

It is understood that the difficulty of funding review is mainly manifested in some corporate business scope and hidden hiddenness of the corporate business of re -loan support conditions. Moreover, the same loan business repeatedly applying for different types of central bank funds is sometimes difficult to find. In order to solve these problems, the People's Bank of China Nanjing Branch instructed Jiangsu United Credit Credit Development to develop the "Jiangsu Provincial Central Bank Fund Funding Audit System" and introduced big data from the Jiangsu Credit Power Platform to automatically analyze each loan business to help improve the help to improve The review efficiency is reduced to reduce the risk of central bank funding compliance, which will help promote more market entities to obtain monetary policy support. As of now, the system has provided pre -review services for about 200,000 re -loan funds for 87 banks. Looking forward to the next development, Jiangsu United Credit Credit Credit will continue to actively respond to the call of the country's digital economy, accelerate the release of scientific and technological innovation momentum, high -quality construction and improvement of provincial credit reporting platforms and provincial gold service platforms, strengthen credit recruitment to enable inclusive financial development role , To help the enterprises to relieve difficulties and promote the difficulty of credit recruitment services to improve quality and efficiency.

Review: Pan Ruikai

Editor in charge: Yang Yan

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