Since the beginning of this year, Shengjing Credit Investigation has deeply implemented the relevant decisions and deployments of Shengjing Financial Holding Group on the construction of the service regional credit investigation system, and actively promoted the development and construction of "Liao Xintong"。

"Liao Xintong" is the short name of the local credit information platform interconnection project in Liaoning Province，Created by Shenyang Branch of the People's Bank of China，Shengjing credit development and operation，In accordance with the construction mode of "information sharing, interconnection, multi-point multi-activity, service entity"，Through unified systems, standards and norms，Unicom in the province of local credit information platform, comprehensive financial service platform, "credit easy loan" platform, farmer information system and other types of credit information platform，In the province to achieve "information sharing, credit function superposition, organic integration of resources"，Strive to accurately crack the information asymmetry between banks and enterprises，To help solve the problem of small and micro enterprises, individual businesses and other financing difficulties and expensive financing，We will promote the high-quality development of inclusive finance。

目前，The first phase of "Liao Xintong" project has been started，Public accounts, small programs, websites and other online platforms have basically completed construction，The interconnection work with four platforms, such as "Shenyang Small, medium and micro enterprise financing docking platform", "Shenyang Comprehensive financial Service Platform", "Liaoning Farmer Information System" and "Shenyang Enterprise credit information Platform", is steadily advancing，Full connectivity is expected by the end of the year。

There is evidence in a letter

Lack of credit history, unsecured, lack of guarantees and other problems have been restricting the financing ability of small and micro enterprises, individual industrial and commercial enterprises and other market entities。Target these blocking points, pain points，"Liao Xintong" collected and integrated market supervision, tax, social security, provident fund, water and electricity, customs, judicial and other enterprise-related alternative data，Accurate credit portrait of enterprises，Let financial institutions know the overall credit status of enterprises，And provide "Liao Xintong" public number, small program, website and other financing application channels。By the end of June, a total of 22.8 billion yuan of financing had been provided to small and micro enterprises, and more than 7.3 billion yuan of credit loans had been issued。

Shenyang traffic Engineering Co., Ltd. is an enterprise engaged in the construction of road safety facilities, during the epidemic shutdown, the enterprise has to pay wages and pay social security for more than 20 employees, and the financial pressure is greater。In order to alleviate the shortage of funds, the enterprise applied for a loan through "Liao Xintong" with a try attitude, and the Liaoning Branch of China Construction Bank successfully granted 1.68 million yuan of credit to the enterprise on the same day, solving the urgent need of the enterprise。After getting the loan, the person in charge of the enterprise said happily, "Inadvertently, I did not think that my responsibility to the employees helped me to obtain the trust of the Construction Bank for the enterprise, with social security for credit, the Construction Bank this wave of operation is very powerful.。”

A high-tech enterprise in Liaoning is in urgent need of 3 million yuan of working capital due to business needs, and after applying for a loan through "Liao Xintong", the enterprise obtained 328 yuan on the same day.80,000 yuan line of credit。Afterwards, the person in charge of the enterprise said, "Very unexpected, did not expect to get such a high amount, but did not expect the management process will be so simple and efficient, but also deeply realized the gold content of their own credit.。” 

Credit investigation and empowerment

"Liao Xintong" relies on local credit information platforms and other enterprise-related alternative data resources such as government and public utility unit payment，Superimpose credit service efficiency，Guide credit agencies to carry out customized credit investigation services with the help of "Liao Xintong" data resources，We will innovate ways to connect banks and enterprises，Efforts will be made to enhance the capacity of financial institutions to acquire customers in bulk，We will improve the coverage and availability of financing for small and micro businesses。

A media company in Shenyang is one of the many small and micro enterprises, founded in 2014, mainly engaged in advertising design。Since March this year, affected by the epidemic, the company's projects have been blocked, and the upstream payment has slowed down。In the face of business difficulties, Huaxia Fangyuan Credit Information Co., LTD., through financial, tax, industrial and commercial, judicial and other data to carry out a comprehensive credit portrait of enterprises, and targeted push to financial institutions, to help enterprises successfully obtain financing of 1.18 million yuan, help enterprises to tide over difficulties。Since 2021, Huaxia Fangyuan has promoted 1,676 high-quality small and micro enterprises to financial institutions through "Liao Xintong", of which 837 enterprises have been granted credit by financial institutions5.300 million yuan, actual loan 3.36亿元。

Shengjing Credit Investigation cooperated with Shenyang Branch of Minsheng Bank, relying on the "Liao Xintong" platform, built an evaluation model using enterprise tax, provident fund, social security and other information, screened enterprises that met the loan access conditions and pushed them to Minsheng Bank in a targeted way, which completed the loan review and issuance。As of June 2022, Minsheng Bank has issued a total of 737 guaranteed discount loans for entrepreneurship with an amount of 13.4亿元。The Shenyang branch of Minsheng Bank said, "Compared with traditional bank-enterprise docking modes such as symposiums, promotion meetings, and chambers of commerce, the efficiency of bank-enterprise docking through Liao Xintong has been significantly improved.。”

Hui enterprises to help finance

"Liao Xintong" is supported by digitalization，It has the features of multi-scenario application，It can provide one-stop services such as financing docking, credit report inquiry, corporate credit portrait, customer selection, monetary policy tool application, accounts receivable and movable financing registration inquiry for small and medium-sized enterprises, financial institutions and government departments，We will effectively improve the docking efficiency between banks and enterprises，Promote accurate and direct access to policies, resources and services，Significantly improve the availability and coverage of financial services for micro, small and medium-sized enterprises。By the end of June 2022, the platform has settled 41 financial institutions, released 385 financial products, registered more than 100,000 enterprises, issued financing needs of about 57.3 billion yuan, provided information query services for about 230,000 times, and successfully matched nearly 40,000 bank-enterprise financing pairs with a financing amount of more than 32 billion yuan。

Source: Shengjing Credit Investigation

Editor: Guo Lijun