Realize the sharing of corporate credit information nationwide to ease the financing difficulties of small, medium and micro enterprises

　　Sharing information eases financing difficulties for small, medium and micro enterprises

　　□ The "Implementation Plan for Strengthening the Sharing and Application of Credit Information to Promote Financing for Small, Medium and Micro Enterprises" collects various types of corporate credit information through various methods to continuously improve the coverage, availability and convenience of loans for small, medium and micro enterprises.

　　□ At present, the national credit information sharing platform has connected 46 departments and various provinces, autonomous regions and municipalities.

Corporate credit information publicity systems, financial credit information basic databases, and credit information systems such as courts, transportation, taxation, and customs in various professional fields have been or are being interconnected.

　　"As of the end of November 2021, the nationwide banking financial institutions issued approximately 18.73 trillion yuan in inclusive loans to small and micro enterprises, a year-on-year increase of 24.1%. The cumulative loans granted through all levels of financing credit service platforms exceeded 7 trillion yuan." At the regular policy briefing held by the State Council, Zhao Chenxin, Secretary-General of the National Development and Reform Commission, introduced that with the efforts of various financial institutions and credit service agencies, financing for small, medium and micro enterprises continued to show a trend of "increasing volume, expanding coverage, and falling prices".

　　The current credit information sharing and application situation still has problems such as difficulty in obtaining data from some departments and industries, and the high cost of obtaining information.

To this end, the National Development and Reform Commission and the China Banking and Insurance Regulatory Commission and other relevant departments have studied and formulated the "Implementation Plan for Strengthening the Sharing and Application of Credit Information to Promote the Financing of Small and Medium-sized Enterprises". Coverage, availability and convenience.

　　The "Implementation Plan" proposes to improve the credit evaluation index system for small, medium and micro enterprises to achieve accurate portraits. Strengthen dynamic monitoring of the credit status of loan-receiving enterprises, and improve risk early warning and disposal capabilities. For malicious evasion of debts recognized by law, comply with laws and regulations. Carry out joint disciplinary action." Zhao Chenxin said that all levels of financing credit service platforms must establish a complete information security management system to conduct information security assessments on access institutions.

Access agencies must strictly abide by the relevant regulations and strictly prohibit the use of the obtained information for activities other than providing financing support for the enterprise.

　　Realizing the sharing of corporate credit information across the country is a key issue to be resolved in the "Implementation Plan."

At present, the national credit information sharing platform has connected 46 departments and various provinces, autonomous regions and municipalities.

Corporate credit information publicity systems, financial credit information basic databases, and credit information systems such as courts, transportation, taxation, and customs in various professional fields have been or are being interconnected.

　　"However, the current level of credit information sharing is still difficult to meet the financing needs of market entities." Chen Hongwan, Director of the Department of Finance and Credit Construction of the National Development and Reform Commission, believes that on the one hand, some localities and financial institutions have reported that a lot of important credit-related information is very important. It is difficult to obtain, but this information is necessary to accurately and objectively describe the credit status of enterprises. The lack of relevant information will greatly affect the enthusiasm of banks in lending; Each department is connected separately and needs to access multiple platforms. There is an urgent need for a platform that can be properly integrated to provide a package of information.

　　The "Implementation Plan" addresses these blockages and pain points, and through credit information sharing applications, solves the problem of the lack of effective mortgage assets for small, medium and micro enterprises and the asymmetry of bank-enterprise information.

Include 37 items of information in 14 categories, including payment of taxes, social insurance premiums and housing provident fund, import and export, water and electricity fees, real estate, intellectual property rights, technology research and development, etc., which are most urgently needed for financing business of small, medium and micro enterprises. Information sharing channels.

　　In addition, the "Implementation Plan" clarified the credit information sharing list, and clarified the content, method, responsible unit and completion time of the shared information for 37 items of information, making it more maneuverable.

Not only pay attention to the scale of shared data, but also pay attention to the quality of shared data.

　　"Funding credit service platforms at all levels should provide basic information services to access institutions in accordance with the principle of public welfare, and encourage qualified platforms to push relevant information in batches according to the needs of access institutions and in accordance with the dimensions of regions and industries to promote credit information security Intensive and efficient application." Chen Hongwan said.

　　A large number of small and micro enterprises lack the collateral guarantee required by traditional credit granting, and it is an important way to fully tap the value of credit information.

At present, banking financial institutions generally face the problem of difficulty in obtaining credit information or high cost of obtaining credit information when issuing inclusive loans to small and micro enterprises. This is exactly the problem that the "Xinyidai" model launched through the financing credit service platform is trying to solve.

"After the "Implementation Plan" is issued, with the continuous improvement of the quantity and quality of credit information, the ability of banking financial institutions to develop inclusive loans for small and micro enterprises will be significantly improved." said Zhou Min, director of the National Public Credit Information Center.