Reduce the cost of the real economy | Ningxia Hui Autonomous Region uses the platform to help enterprise financing

Ningxia Hui Autonomous Region relies on the "Ningxia Enterprise Public Service Platform (168 Platform)" to build a financing service platform, apply "Internet +" gathering policies, credit information and financial products to build a fast channel for banks and enterprises to alleviate corporate financing difficulties.

1. Main practice

(1) Gathering financing policies and highlighting policy financing rapid services. The platform focuses on more than 100 financing support policies for national, autonomous regions and departments. Policy financing services such as industrial enterprise loan risk compensation, small and micro enterprise loan risk compensation, industrial knowledge aid, financial lease subsidy, and transfer funds such as transfer funds are deployed on the financing service platform to establish an online application and management department for online review Recommended and custody agencies to register online and other coordinated mechanisms. Realize the online review of financing declarations, online financing processes, and the traceability of project information, effectively shorten the time of enterprise application policy financing projects, and improve the efficiency of bidding. The platform has accumulated more than 420 companies to apply for various policy financing projects to achieve more than 23 billion yuan in various policy financing.

(2) Gather credit information and highlight the rapid application of corporate credit. 6 major dimensions such as basic information, association relationships, business information, intellectual property rights, operating risks, and judicial risks are collected to the credit information platform of SMEs in Ningxia and updated in real time. Public credit information such as industry and commerce, taxation, and justice. The platform also connects the information of a third -party credit reporting agency. For online portraits of companies applying for financing, it is precisely recommended to banks, guarantees, funds and other financial institutions.

(3) Gathering financial products and highlighting accurate and fast docking of banking enterprises. Platform construction letter

Loan product supermarkets guide more than 10 banks to publish 61 credit products such as tax loans and cloud electricity loans online to standardize the information of credit product information, covering loan objects, quotas, interest rates, periods, and guarantee methods. Enterprises can "one -to -one" or "one -to -many" online sea selection suitable credit products. Enterprise application online, credit information synchronize online feedback to avoid the transitional concentration of credit resources.

Second, achieve results

The first is to continuously enrich financial resources. Ningxia Enterprise Public Service Platform has reached 7,775 companies, attracting financial products online to release financial products. At present, 51 bank financial institutions and their branches have applied for more than 1,000 accounts online. Enterprises can choose financing products online, banks screening companies online to achieve two -way choices between banks and enterprises.

The second is to promote bank transformation services. The platform collection, screening, and recommendation function of the platform provides effective customer acquisition channels for banks. For high -quality enterprises, establish a single -order model, effectively promote banks from enterprises to find funds to actively docking enterprises to send services, further enhance bank service products effect.

The third is to improve the efficiency of enterprise financing. The platform makes full use of informationization methods to allow data to run more, enterprises run less legs, and realize the reporting of non -contact, non -seeing, and paperless materials, which provides convenience for enterprise financing applications. The platform's summary of the corporate credit report has effectively improved the asymmetry of the information of banking enterprises, brought about poor information between banks and enterprises, shortened banks' due diligence time for enterprises, and improved the efficiency of bank -enterprise docking.

The fourth is to promote the active maintenance of enterprises. The effective connection between policy financing services and corporate credit information forced enterprises to obtain various policy financing support with good credit, which further enhances the consciousness of enterprises to maintain their own good credit.

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