The application of innovative credit information sharing in Guangzhou City, Guangdong Province, promotes the financing of small and medium -sized enterprises to achieve new results

Guangzhou City, Guangdong Province, conscientiously implements the decision -making and deployment of the Party Central Committee and the State Council on strengthening credit support for financing of small and medium -sized enterprises, high standards to build a Guangzhou "Xinyi Loan" platform, actively integrate into the national integrated financing credit service platform network, and on the National Development and Reform Commission Under the guidance, in -depth landing pilots such as joint modeling and full -process lending with postal savings banks, agricultural issuance, and platform for the entire process of platforms have been carried out, and positive progress has been made. Since its launch, the platform has settled in 380 financial institutions, 405 financial products have been launched, and 360,000 registered enterprises have been launched, which promotes the amount of loans of nearly 150 billion yuan.

Deepen the application of credit information. Construction and iterative optimization of the Guangzhou public credit information management system, establish a cross -department coordination mechanism, and further promote the collection and application of credit information related to enterprises. Strengthen data cooperation in characteristic industries, docking with leading enterprises such as power, transportation, communications, and industrial Internet, to achieve cross -verification of multi -dimensional data. Relying on privacy computing and federal learning such as "data available" technology to improve the credit evaluation efficiency of small, medium and micro enterprises. Optimize corporate financing experience. Combined with the bank's financial product access conditions, the R & D rules engine, after the enterprise submits a loan application on the platform, the intelligent matching bank credit products are intelligently matched the bank institutions to follow up and processed to realize the closed -loop operation of enterprise application loans and service processing. Explore mutual recognition data inquiries with financial institutions, draw the entire business flow chart of the platform financing, promote the implementation of the enterprise's authorized application for loans, a platform for a platform, and optimize the facilitation and experience of corporate financing. Accelerate the joint modeling. Combined with the enterprise credit data and banking institution data of the Guangzhou "Xinyi Loan" platform, the pre -credit model is jointly constructed to iterate the pre -facilitating letter model based on the results of the bank's continuous feedback on credit. Relying on the application scenarios in some industries and transportation fields, we explore the use of privacy computing technology joint modeling, and continuously improve the model through machine learning to help small and medium -sized enterprises financing. Innovate financial service model. In -depth tapping the value of credit data, and in application scenarios in professional markets, industrial Internet, manufacturing, rural revitalization, etc., rely on the company's real estate, tax, electricity and other characteristic data, and develop "Xinyi Tea Commercial Loan", "Xinyi Supply Chain", "Xinyi Supply Chain" A group of specialties such as Electric Power Loan "and other special financial products solve the problems such as low degree of matching of small and medium -sized enterprises and conventional financial products. Actively create a new model of "political and silver burden" cooperation to provide platform enterprise users with 2 billion yuan "Xinyi Loan" exclusive financial service cooperation quota, and realize the inspection of loans, afterwards filing, and batch guarantee. Improve the risk compensation mechanism. Establish a docking mechanism for the Guangzhou “Xinyi Loan” platform and the city inclusive loan risk compensation mechanism, the municipal small and medium -sized enterprise financing risk compensation funds pool, the municipal technology -based SME credit risk compensation fund pool, etc., to encourage bank institutions Essence Open policy fund increasing, compensation, and risk sharing function modules on the platform to explore the promotion of various policy financing guarantees "one -bite, one Netcom office, and full supervision."

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