Give full play to the value of credit information, help small, medium and micro enterprises financing and development

A large number of small and medium -sized business are widely, and it is an important force for stable economy and employment. Recently, the Municipal Government Office promulgated the "Implementation Plan for the Wall of Small and Micro -Enterprises to help small, medium and micro enterprises in Heze City", and proposed 11 measures to further deepen the collection and sharing of credit information, give full play to the value of credit information, innovate and optimize the financing model, help small and medium Development of micro -enterprise financing.

The plan proposes that according to the national credit information sharing list, under the premise of laws and regulations, and ensuring information security, relying on the municipal public credit information platform to comprehensively integrate and collect administrative management, water charges, gas expenses, scientific and technological research and development, and new rural management operations The main body and other credit information are reported to the provincial public credit information platform.

Encourage the city's various enterprises (including individual industrial and commercial households, agricultural business entities, etc.) to supplement the provincial public credit information platform through credit China (Heze, Shandong), to supplement the qualification certificate, market operations, market operations, market operations, market operations, market operations, market operations, etc. Credit information such as contract performance, social public welfare, etc., and responsible for providing the legitimacy, authenticity, and integrity of the information. As a beneficial supplement to the public credit information of the enterprise, it will improve the coverage of corporate credit information.

Build a comprehensive credit service platform for SMEs in Heze. Relying on the national financing credit service platform Shandong Provincial -level node and municipal public credit information service platform to serve small and medium -sized enterprises financing, build a comprehensive credit service platform for SMEs SMEs, and Venture Unicom National SME Financial Comprehensive Credit Service Platform, open up Data sharing channels between data source units such as government departments and public institutions and financial institutions. Share credit information to the financing credit service platform in accordance with laws and regulations, and standardize the development of financing credit service platforms.

Help banks efficiently. Encourage financial institutions to rely on financing and credit service platforms, carry out online loan -loan business, expand application scenarios, innovate and develop financing products for small, medium and micro enterprises, and launch a variety of, professional and personalized financing loan services, innovative lending and renewal loans methods , Promote financial products such as "Xinyi Loan", "Xinyi Patch" and "Xinyi Bao". Encourage financial institutions to increase risk management capabilities as a foothold, reduce excessive dependence on pledge guarantees, and gradually increase the proportion of credit loans in small and medium -sized enterprises loans.

Establish and improve the financing and credit service platform and the sharing mechanism of credit information sharing in the institution. Improve the credit evaluation system of small and medium -sized and micro enterprises. The financing credit service platforms at all levels must strengthen the comprehensive analysis function, use big data technology and evaluation models, and combine the results of comprehensive public credit evaluation to carry out comprehensive and panoramic credit portraits for small and medium -sized enterprises for entering the station for entering Institutional reference. Encourage the settlement agencies to use public credit information and market credit information, develop credit evaluation models according to their own business characteristics and market positioning, conduct comprehensive and in -depth accurate evaluations of small and medium -sized enterprises, and improve risk recognition capabilities.

Jiang Peijun, a reporter from Heze Pay Industry All Media

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