"After submitting the materials, it took only one week to receive a loan of 4.5 million yuan from the bank." Zhang Rongchu, chairman of Nanjing Changrong Acoustics Co., Ltd., told reporters that the loan received in January this year was really a "timely rain".
Changrong Acoustics is a national high-tech enterprise engaged in acoustic vibration research and noise control engineering. It develops rapidly, has few fixed assets, and traditional mortgage loans cannot meet the needs of the company.
At a bank-enterprise matchmaking meeting at the Nanjing Innovative Enterprise Financial Service Center (hereinafter referred to as "Nanjing Financial Services"), Chang Rong Acoustics learned that the current loan system based on corporate credit is very rich, and then the company was listed on the official website of Nanjing Financial Services. registered on .
Last year, the company successfully applied for 6 loans through Nanjing Financial Services.
"After the company submits the authorization letter, we collect the data for the company to carry out credit profiling and credit scoring, and the bank can provide different types of loan services for different levels of companies according to their own risk control requirements." The head of Nanjing Financial Services Data Technology Department Chonglin told reporters that in March 2021, Nanjing Enterprise Credit Information Service Co., Ltd. was officially established. Based on the accumulated information of 115,200 enterprises on the "Nanjing Financial Services" platform, 8 data themes and 98 data dimensions were designed. , 715 indicators, accurate portrait of corporate credit.
"Combined with data credit profiles, companies with financing needs can 'find the right door', and financial institutions with service capabilities can 'see clearly'. The more accurate it is." said Chen Ye, deputy manager of the data technology department of Nanjing Enterprise Credit Information Service Co., Ltd.
The credit profile not only helps companies bail out the first loan, but also helps companies plan ahead when it comes to on-lending.
When the loan was due one month away, Jiangsu Kunze Technology Co., Ltd. received an on-lending business service message from Nanjing Financial Services.
The term of use of the on-lending fund for private enterprises in Nanjing is 1-15 days, and the single application amount is 100,000 to 100,000,000 yuan.
"The company had a loan of 20 million yuan at the time, and it happened to be working on a new project. If the normal operation draws capital and the pressure is relatively high, it will use the on-lending fund." Liu Jing, the financial director of Kunze Technology, told reporters that based on the credit profile, Kun Ze Technology obtained a credit loan of more than 100 million yuan through Nanjing Financial Services last year.
In recent years, the scale of corporate credit loans in Nanjing has grown rapidly year-on-year, especially for small and micro enterprises, reaching 120.192 billion yuan, a year-on-year increase of 41.44%.
At present, Nanjing Credit Information has issued nearly 50,000 corporate portraits for various financial service scenarios, and the platform has accurately pushed more than 5,000 financial service products according to the scale and category of the company.
According to the Nanjing Municipal Development and Reform Commission, as one of the first demonstration cities in the country to build a social credit system, Nanjing has formed a social credit system based on the "Nanjing Municipal Social Credit Regulations". There are more than 47,000 items (events), and the list of incentives and exemptions is the first of its kind in the country.
Yin Xiaoyu