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为32家企业发放3.34亿元信用贷款 信息共享平台助力融资畅通

企业服务
文章来源·镇江日报

2月19日,记者从人民银行镇江市分行获悉,该行积极推动和指导辖内银行业金融机构,全力促进全国中小微企业资金流信用信息共享平台(以下简称“平台”)发展,为本地企业提供更便捷高效的融资服务。截至目前,通过该平台,我市已有6家银行机构为32家企业发放了3.34亿元信用贷款。

为破解中小微企业融资难题,去年10月25日该平台上线运行。在人民银行镇江市分行的主导下,辖内金融机构充分利用平台整合税务、市场监管、社保、公积金以及他行资金流水等多部门数据,构建企业资金流信息全景画像。

对于企业来说,平台打破信息孤岛,实现信用信息共享的作用,为金融机构成功给中小微企业发放信用贷款提供信息支持。

平安银行镇江分行风险管理部总经理孙俊介绍,他们为丹阳一家水暖设备销售安装公司解决了融资问题,成功落地了一笔普惠金融贷款。该企业作为平安银行的普惠金融客户,由于新生产线的投产,企业急需约200万元的流动资金贷款。一开始却由于缺乏合适的抵押物,企业的融资需求一度难以得到满足。

针对企业的实际情况,平安银行镇江分行向客户推荐了普惠贷款产品“新微贷——小微经营贷”。不过,该产品需要核实企业近1年的经营交易流水。”幸运的是,我们在人民银行镇江市分行的推荐下,知道了这个平台。客户经理了解到企业日常运营资金账户虽开设在他行,但流水信息较为完整,完全可以通过资金流信息平台获取资金流查询报告,以佐证企业的经营状况。”孙俊介绍。

在客户经理的指导下,企业在平台成功注册,并绑定了主要结算银行的对公账户,同时对平安银行进行了线上授权。平台即时生成了企业的资金流查询报告,将数据转化为信用信息,为审批部门评估企业经营状况提供了新的参考依据。平安银行得以确认该企业对公账户的年销售金额约为2300万元,并迅速批复了180万元的授信额度,高效满足了企业的日常经营融资需求。

值得一提的是,对于企业来说,该创新融资模式,也能降低企业的融资成本。在人民银行镇江市分行的推动和指导下,辖内银行业金融机构运用平台的大数据、人工智能等技术,为企业精准匹配融资产品,提供线上线下一体化融资服务,简化了操作流程,提高了放款效率,为受惠企业降低了融资成本。

人民银行镇江市分行征信管理科科长鞠海港介绍,全国中小微企业资金流信用信息共享平台是镇江中小微企业发展的“助推器”,也是进一步优化营商环境的“新引擎”。人民银行镇江市分行将以此为契机,持续深化平台应用,为中小微企业提供更优质、更高效的金融服务,助力镇江经济高质量发展。(田英 记者 俞佳融)