全国中小微企业资金流信用信息共享平台上线一周年成效显著 中国银行遂宁分行助力小微企业破解融资难题
<section data-mpa-md-key="text" data-mpa-md-action-id="$id" data-mpa-ai-typesetting-template="30003" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-size: 15px; color: rgb(51, 51, 51); letter-spacing: 1px; text-indent: 2em; line-height: 2em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" mpa-font-style="mhu1n73c1hvk" data-mpa-action-id="mhu1n73s1sxp" data-pm-slice="0 0 []" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px; visibility: visible;">由中国人民银行组织金融机构共同建设、中国人民银行征信中心负责运行维护的“全国中小微企业资金流信用信息共享平台”（以下简称“资金流信息平台”）自2024年10月上线以来，已平稳运行一年。作为继征信系统后又一重要的全国性金融基础设施，该平台以安全、高效为特点，致力于帮助中小微企业提升融资能力，助力普惠金融发展。</span></section><p></p><section data-mpa-md-key="common" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: Optima-Regular, PingFangTC-light; font-size: 17px; letter-spacing: 0.544px; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"></span></section><section data-mpa-md-key="heading-1" data-mid="" data-mpa-ai-typesetting-template="30003" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: Optima-Regular, PingFangTC-light; font-size: 17px; letter-spacing: 0.544px; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 661px; display: flex; align-items: center; justify-content: space-between;"><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: center; align-items: center; flex: 1 1 0%;"><section mpa-none-content="t" data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px 4px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background: rgb(245, 245, 245);"><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px; color: rgb(51, 51, 51); line-height: 25px; letter-spacing: 1px;"><strong data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">01.</strong></section></section><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; flex: 1 1 0%;"><section data-mpa-md-content="t" data-mid="" data-mpa-md-action-id="$id" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 18px; color: rgb(51, 51, 51); font-weight: bold; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" mpa-font-style="mhu1nuohe67" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">资金流信息平台功能与作用</span></section></section></section><section mpa-none-content="t" nodeleaf="" data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px 0px 0px 4px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 14px; display: flex; justify-content: center; align-items: center;"><img src="https://dyxrmt.cn/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/sz_mmbiz_png/UiaccMk8iaCdyhFbuibJfzEmUpNeAKatohq2a0kMXTN6tendow7Qj7aOnGsPjwS9EmBUE8kOrZETRrVzUwlTY5icibg/640?from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=2" alt="图片" class="rich_pages wxw-img" data-ratio="1" data-w="28" data-original-style="display: block;height: auto !important;visibility: visible !important;width: 14px !important;background-color: transparent;" data-index="3" _width="14px" data-report-img-idx="2" data-fail="0" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: bottom; height: auto !important; display: block; background-color: transparent; visibility: visible !important; width: 14px !important;"/></section></section></section><section data-mpa-md-key="text" data-mpa-md-action-id="$id" data-mpa-ai-typesetting-template="30003" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-size: 15px; color: rgb(51, 51, 51); letter-spacing: 1px; text-indent: 2em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" mpa-font-style="mhu1nuoh1w0r" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px;">资金流信息平台支持企业自主查询其银行账户近36个月的资金流信用报告，为企业财务管理与经营决策提供有力数据支持。同时，企业可通过平台“一键授权”功能，允许金融机构在线查询相关报告，帮助金融机构更精准地评估企业经营状况与信用水平。此举有效推动企业以“信”换贷，在贷款审批效率、授信额度和贷款利率等方面获得实质性优化。</span></section><section data-mpa-md-key="common" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: Optima-Regular, PingFangTC-light; font-size: 17px; letter-spacing: 0.544px; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"></span></section><section data-mpa-md-key="heading-1" data-mid="" data-mpa-ai-typesetting-template="30003" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: Optima-Regular, PingFangTC-light; font-size: 17px; letter-spacing: 0.544px; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 661px; display: flex; align-items: center; justify-content: space-between;"><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: center; align-items: center; flex: 1 1 0%;"><section mpa-none-content="t" data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px 4px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background: rgb(245, 245, 245);"><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px; color: rgb(51, 51, 51); line-height: 25px; letter-spacing: 1px;"><strong data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">02.</strong></section></section><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; flex: 1 1 0%;"><section data-mpa-md-content="t" data-mid="" data-mpa-md-action-id="$id" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 18px; color: rgb(51, 51, 51); font-weight: bold; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" mpa-font-style="mhu1oa9z10ff" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">典型案例：科技型环保企业融资困境破解</span></section></section></section><section mpa-none-content="t" nodeleaf="" data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px 0px 0px 4px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 14px; display: flex; justify-content: center; align-items: center;"><img src="https://dyxrmt.cn/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/sz_mmbiz_png/UiaccMk8iaCdyhFbuibJfzEmUpNeAKatohq2a0kMXTN6tendow7Qj7aOnGsPjwS9EmBUE8kOrZETRrVzUwlTY5icibg/640?from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=4" alt="图片" class="rich_pages wxw-img" data-ratio="1" data-w="28" data-original-style="display: block;height: auto !important;visibility: visible !important;width: 14px !important;background-color: transparent;" data-index="5" _width="14px" data-report-img-idx="4" data-fail="0" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: bottom; height: auto !important; display: block; background-color: transparent; visibility: visible !important; width: 14px !important;"/></section></section></section><section data-mpa-md-key="text" data-mpa-md-action-id="$id" data-mpa-ai-typesetting-template="30003" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-size: 15px; color: rgb(51, 51, 51); letter-spacing: 1px; text-indent: 2em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" mpa-font-style="mhu1oa9z1hsc" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px;">某公司是大英县一家专注于生态保护与环境治理的科技型企业，业务涵盖技术服务、固体废物治理、再生资源技术研发及环保设备销售。由于缺乏足额抵押物，该企业在传统贷款模式下一直面临融资额度不足的困境。中国银行大英支行通过资金流信息平台，调取了该企业近三年的资金流水、交易趋势及区间明细等关键数据，并结合税务、社保等多源信息交叉验证，快速为其量身定制融资方案，最终成功发放450万元贷款。该笔资金有效缓解了企业在扩大生产规模、购置先进设备过程中的运营资金压力，助力其进一步提升市场竞争力，拓展业务空间。</span></section><section data-mpa-md-key="common" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: Optima-Regular, PingFangTC-light; font-size: 17px; letter-spacing: 0.544px; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"></span></section><section data-mpa-md-key="heading-1" data-mid="" data-mpa-ai-typesetting-template="30003" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: Optima-Regular, PingFangTC-light; font-size: 17px; letter-spacing: 0.544px; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 661px; display: flex; align-items: center; justify-content: space-between;"><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: center; align-items: center; flex: 1 1 0%;"><section mpa-none-content="t" data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px 4px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background: rgb(245, 245, 245);"><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px; color: rgb(51, 51, 51); line-height: 25px; letter-spacing: 1px;"><strong data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">03.</strong></section></section><section data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: left; flex: 1 1 0%;"><section data-mpa-md-content="t" data-mid="" data-mpa-md-action-id="$id" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 18px; color: rgb(51, 51, 51); font-weight: bold; letter-spacing: 1px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" mpa-font-style="mhu1oq1n1h1a" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">平台价值与中国银行遂宁分行实践成效</span></section></section></section><section mpa-none-content="t" nodeleaf="" data-mid="" style="-webkit-tap-highlight-color: transparent; margin: 0px 0px 0px 4px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; width: 14px; display: flex; justify-content: center; align-items: center;"><img src="https://dyxrmt.cn/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/sz_mmbiz_png/UiaccMk8iaCdyhFbuibJfzEmUpNeAKatohq2a0kMXTN6tendow7Qj7aOnGsPjwS9EmBUE8kOrZETRrVzUwlTY5icibg/640?from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=6" alt="图片" class="rich_pages wxw-img" data-ratio="1" data-w="28" data-original-style="display: block;height: auto !important;visibility: visible !important;width: 14px !important;background-color: transparent;" data-index="7" _width="14px" data-report-img-idx="6" data-fail="0" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; vertical-align: bottom; height: auto !important; display: block; background-color: transparent; visibility: visible !important; width: 14px !important;"/></section></section></section><section data-mpa-md-key="text" data-mpa-md-action-id="$id" data-mpa-ai-typesetting-template="30003" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-size: 15px; color: rgb(51, 51, 51); letter-spacing: 1px; text-indent: 2em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" mpa-font-style="mhu1oq1n20rz" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px;">资金流信息平台所提供的数据，能够全面、动态地反映中小微企业的经营状况、收支结构、偿债能力及履约行为，对解决企业“信用白户”问题、丰富信用记录、发展普惠金融具有重大意义。平台上线一年来，中国银行遂宁分行已运用该平台成功为50家小微企业提供信贷支持，授信总额达2.8亿元，显著提升了中小微企业信用风险评估的精准度。</span></section><section data-mpa-md-key="text" data-mpa-md-action-id="$id" data-mpa-ai-typesetting-template="30003" style="-webkit-tap-highlight-color: transparent; margin: 16px 0px; padding: 0px; outline: 0px; max-width: 100%; font-family: Optima-Regular, PingFangTC-light; text-align: justify; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-size: 15px; color: rgb(51, 51, 51); letter-spacing: 1px; text-indent: 2em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span leaf="" mpa-font-style="mhu1oq1nrbk" style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 18px;">中国银行遂宁分行相关负责人表示，资金流信息平台已成为当前解决中小微企业“融资难、融资贵”问题的重要抓手之一。未来，随着更多金融机构接入并使用该平台，中小微企业的融资环境有望得到进一步改善。</span></section><p></p><p><span style="color: rgb(68, 68, 68); 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