Accurate profiling allows business needs to be 'seen'

2025-04-18

The government sets up the stage, and banks and enterprises connect. Supporting the financing coordination mechanism for small and micro enterprises to make precise efforts from both the supply and demand sides not only helps to solve the bottleneck of information asymmetry between banks and enterprises, but also further stimulates the momentum of financial vitality to reach entities, enabling banks and enterprises to achieve two-way cooperation. On the supply side, banking services are improving in quality and efficiency. Under the traditional model, banks have high costs and long process cycles for risk identification of small and micro enterprises, resulting in low service efficiency. The coordination mechanism promotes banks to optimize their service models, simplify processes, innovate products, and accurately connect through policy guidance and technological innovation, which not only increases banks' willingness to lend but also lowers the financing threshold for enterprises. On the demand side, enterprise needs are precisely met. The working mechanism enables enterprise needs to be "seen" through digital platforms and localized services. Local specialized teams take the initiative to conduct investigations, with financial specialists pairing up and providing real-time responses on online platforms. This enables efficient collection and classification of dispersed, small, and urgent financing needs, forming identifiable and assessable "credit profiles", and allowing policy dividends to truly benefit small and micro enterprises. The collaboration among government, banks, and enterprises is not only the key to mechanism innovation, but also the direction for future deepening. Continuously strengthening policy coherence, data sharing, and risk sharing, and promoting the upgrading of the "high-speed road" between banks and enterprises from "opening" to "capacity expansion", is the only way to continuously nourish small and micro enterprises with financial vitality and inject stronger impetus into high-quality economic development. (New Society)

Edit:Luo yu    Responsible editor:Jia jia

Source:people.cn

Special statement: if the pictures and texts reproduced or quoted on this site infringe your legitimate rights and interests, please contact this site, and this site will correct and delete them in time. For copyright issues and website cooperation, please contact through outlook new era email:lwxsd@liaowanghn.com

Return to list

Recommended Reading Change it

Links

Submission mailbox:lwxsd@liaowanghn.com Tel:020-817896455

粤ICP备19140089号 Copyright © 2019 by www.lwxsd.com.all rights reserved

>