Original Title: Nanjing Municipal Work Plan for Coordinating the Development of the Financing and Credit Service Platform to Enhance Financing Accessibility for Small, Medium, and Micro Enterprises

To implement the “Notice of the General Office of the State Council on Issuing the <Implementation Plan for Coordinating the Construction of Financing Credit Service Platforms to Improve Financing Convenience for Small, Medium, and Micro Enterprises>” (State Council General Office Document [2024] No. 15), further strengthen the construction of the municipal financing credit service platform, and improve financing convenience for small, medium, and micro enterprises, the following plan is formulated.

I. Strengthening the Construction of the Municipal Financing Credit Service Platform

(1) Clarify Channels for Information Collection and Sharing. Strengthen the function of the Municipal Public Credit Information Service Platform as the “central hub” for municipal-level credit information collection and sharing, and uniformly aggregate various types of credit information. Designate the Nanjing Financial Services Platform (Municipal Enterprise Credit Reporting Platform) as the city’s financing credit service platform, enhance standardized connectivity with provincial-level nodes, connect to the national integrated platform network in accordance with standards, and establish a centralized channel for the city to provide public credit information services to financial institutions.(Responsibility lies with the Municipal Development and Reform Commission, the Municipal Data Bureau, the Operations Management Department of the People’s Bank of China’s Jiangsu Branch, and Zijin Investment Group, among others, according to their respective duties)

(2) Streamline platform connectivity pathways. Promote the interconnection of the Municipal Financing Credit Service Platform with enterprise-related information systems—such as the Municipal Public Resource Trading Platform and the “Ningqitong” Comprehensive Business Support Service Platform—as well as relevant industry-specific information systems, to enable routine data queries and API calls. Guide banks, insurance companies, guarantee institutions, and other entities to establish system interfaces with the Municipal Financing Credit Service Platform.Strengthen connectivity between provincial and municipal financing and credit service platforms to promote mutual recognition of users and the sharing of resources and policies. (Responsibility lies with the Municipal Data Bureau, the Municipal Party Committee’s Financial Affairs Office, the Operations Management Department of the People’s Bank of China’s Jiangsu Branch, Zijin Investment Group, and others, in accordance with their respective duties)

II. Improve the Mechanism for Credit Information Collection and Sharing

(3) Expand the scope and depth of data collection and sharing. Hold all municipal units accountable and implement the national, provincial, and municipal credit information collection and sharing lists.Based on the actual needs of financial institutions, further expand the scope of credit information collection and sharing. In accordance with laws and regulations, collect and share information on key corporate personnel, various qualification certificates, financial reporting data, R&D information, public resource transaction data, judicial records, social insurance information, and agriculture-related data. Encourage enterprises to supplement and refine their own information through methods such as “voluntary reporting and credit commitments” on credit websites.(Responsibility lies with the Municipal Court, Municipal Development and Reform Commission, Municipal Education Bureau, Municipal Science and Technology Bureau, Municipal Industry and Information Technology Bureau, Municipal Public Security Bureau, Municipal Civil Affairs Bureau, Municipal Finance Bureau, Municipal Human Resources and Social Security Bureau, Municipal Planning and Natural Resources Bureau, Municipal Construction Commission, Municipal Housing Bureau, Municipal Transportation Bureau, Municipal Agriculture and Rural Affairs Bureau, Municipal Commerce Bureau, Municipal Culture and Tourism Bureau, Municipal Health Commission, Municipal Data Bureau, Municipal Market Regulation Bureau, Municipal Medical Insurance Bureau, Municipal Party Committee Financial Affairs Office, and Municipal Taxation Bureau, in accordance with their respective duties)

(4) Improve the quality and efficiency of credit information collection and sharing. Support the Municipal Financing Credit Service Platform in applying for and conducting authorized operations of the public data financial zone in accordance with relevant regulations. In accordance with national and provincial unified data collection standards, strengthen collaborative governance of data quality across platforms and sectors, and increase the frequency of data sharing and the capacity of API calls. Improve the information update and maintenance mechanism, and conduct data quality assessments and feedback.(Responsibility lies with the Municipal Development and Reform Commission, the Municipal Data Bureau, the Municipal Party Committee’s Financial Affairs Office, and Zijin Investment Group, among others, in accordance with their respective duties)

III. Deepening the Exploitation and Application of Credit Data Value

(5) Optimize information inquiry services. The Municipal Financing Credit Service Platform shall, in accordance with the principle of public welfare and in compliance with laws and regulations, provide services such as information push notifications, information inquiries, and credit report inquiries to institutions connected to the platform. Promote the further improvement of the credit report inquiry system and the continuous enhancement of credit report quality. Encourage financial institutions such as banks to improve their credit management systems, deepen the effective application of credit reports at all stages—pre-loan, during-loan, and post-loan—and provide high-quality financial services to small, medium, and micro enterprises.(Responsibility lies with the Municipal Development and Reform Commission, the Municipal Party Committee’s Financial Affairs Office, the Operations Management Department of the People’s Bank of China’s Jiangsu Branch, Zijin Investment Group, and others according to their respective duties)

(6) Expand the range of credit service products. We will encourage the operator of the Municipal Financing Credit Service Platform to establish a high-quality corporate credit reporting platform with the necessary filing qualifications. By leveraging the synergies of “financial services plus credit reporting,” and based on the actual needs of financial institutions, the platform will comprehensively utilize public data and data products obtained through compliant transactions. Employing technologies such as big data and artificial intelligence, it will conduct personalized credit assessments of enterprises to create “precise profiles,” providing financial institutions with risk identification and early warning services to effectively support the conduct of various financing operations.(Responsibility lies with the Municipal Development and Reform Commission, the Municipal Data Bureau, the Municipal Party Committee’s Financial Affairs Office, the Operations Management Department of the People’s Bank of China’s Jiangsu Branch, Zijin Investment Group, and other relevant entities according to their respective duties)

(7) Develop the credit services market. In accordance with national, provincial, and municipal conditions and standards for platform authorization and operation, and while ensuring information security, steadily open data to credit reporting agencies and other credit service institutions in a lawful and compliant manner. Guide credit service institutions to develop and utilize credit information in accordance with market-oriented and rule-of-law principles, optimize services such as due diligence for financing and loans and credit rating assessments, and enhance the efficiency of matching supply and demand in credit financing.(Responsibility lies with the Municipal Development and Reform Commission, the Municipal Data Bureau, the Municipal Party Committee Financial Affairs Office, the Operations Management Department of the People’s Bank of China Jiangsu Branch, Zijin Investment Group, and other relevant entities according to their respective duties)

IV. Expanding and Enhancing the Platform’s Financing Service Functions

(8) Strengthen financial policy services for enterprises. Fully leverage the Municipal Financing and Credit Service Platform as the “primary window” for showcasing and implementing financial policies benefiting enterprises. Continuously promote the full-process online application of financial products such as “Ningchuang Loan,” “Ningke Loan,” “Jinling Huinong Loan,” “Specialized, Refined, Unique, and Innovative Enterprise Guarantee,” “Ningchuang Rong,” and the “Private Enterprise Loan Rollover Fund” through the platform, while steadily expanding their coverage and increasing their volume.Establish and improve a “policy-to-people” mechanism. Strengthen data sharing and resource integration between the Municipal Financing and Credit Service Platform and the “Ningqi Tong” comprehensive business support service platform. Gradually achieve the centralized delivery of business-friendly financial policies from relevant municipal departments and districts through the Municipal Financing and Credit Service Platform via “automatic eligibility without application,” ensuring these policies reach business entities such as small, medium, and micro enterprises directly.(Responsibility lies with the Municipal Science and Technology Bureau, Municipal Industry and Information Technology Bureau, Municipal Finance Bureau, Municipal Agriculture and Rural Affairs Bureau, Municipal Culture and Tourism Bureau, Municipal Data Bureau, Municipal Party Committee Financial Affairs Office, Operations Management Department of the People’s Bank of China Jiangsu Branch, district governments, Jiangbei New Area Administrative Committee, Zijin Investment Group, and others according to their respective duties)

(9) Expand the scope of business-friendly financial services. Accelerate the development of a “credit + transaction + finance” integrated, end-to-end “one-stop online service” for electronic bid bonds in public resource transactions via the Municipal Financing and Credit Service Platform, and guide offline electronic bid bond issuers to “go online wherever possible.” For different financing service scenarios, explore the provision of business-friendly financial services—such as service insurance, venture capital, equity investment, and IPO financing—through the Municipal Financing and Credit Service Platform.(Responsibility lies with the Municipal Finance Bureau, Municipal Construction Commission, Municipal Transportation Bureau, Municipal Water Affairs Bureau, Municipal Data Bureau, Municipal Party Committee Financial Affairs Office, Operations Management Department of the People’s Bank of China Jiangsu Branch, Zijin Investment Group, and other relevant entities according to their respective duties)

(10) Explore online resolution of financial disputes. Promote the integration of the Municipal Financing Credit Service Platform with the “Ningrong Zhisu” and “Smart Arbitration” integrated dispute resolution platforms. Support the Municipal Financing Credit Service Platform in exploring the development of relevant functions such as “online notarization” and “online arbitration” for loans to small, medium, and micro enterprises, ensuring that financial data is directly transmitted to online litigation and arbitration interfaces. Implement credit punishment measures in accordance with laws and regulations against identified acts of malicious debt evasion.Actively utilize blockchain technology to enhance notarial services, assist financial institutions in proactive risk management, and efficiently serve small, medium, and micro enterprises. (Responsibility lies with the Municipal Court, the Municipal Development and Reform Commission, the Municipal Justice Bureau, the Municipal Party Committee Financial Affairs Office, the Municipal Arbitration Office, the Operations Management Department of the People’s Bank of China Jiangsu Branch, and Zijin Investment Group, among others, in accordance with their respective duties)

V. Strengthening Cooperation Between Financial Institutions and the Platform

(11) Deepen the application of joint modeling. Strengthen cooperation between the Municipal Financing Credit Service Platform and financial institutions to jointly establish financial credit models, promote “one-stop online” processing for product applications, approvals, credit approvals, and loan disbursements, and create a convenient and efficient loan application and disbursement process.Encourage financial institutions to establish joint laboratories for the collection and processing of credit information with the Municipal Financing Credit Service Platform. Strengthen the development and application of sensitive data through measures such as “data retention within the region,” and fully leverage credit information to optimize credit product R&D and credit assessment, thereby enhancing risk identification and early warning capabilities. (Responsibility lies with the Municipal Development and Reform Commission, Municipal Data Bureau, Municipal Party Committee Financial Affairs Office, Operations Management Department of the People’s Bank of China Jiangsu Branch, Zijin Investment Group, and others according to their respective duties)

(12) Strengthen the development of credit-based financing products. Focusing on the construction of our city’s “4266” industrial system and leveraging the Municipal Financing and Credit Service Platform, we will promote “bank-government-enterprise-credit” cooperation. By fully utilizing credit information from industrial clusters, industrial chains, supply chains, leading enterprises, and key nurtured enterprises, we will develop specialized financing products and conduct pilot programs for “Credit-Easy Loan” products.Support the Municipal Financing Credit Service Platform in developing specialized functional modules for strategic emerging industries, future industries, green and low-carbon development, key industrial and supply chains, and agriculture, rural areas, and farmers. Facilitate innovation by financial institutions to launch distinctive “Credit-Easy Loan” products and services, explore diversified credit assessment and financing services—such as those based on data assets—and increase financing supply for small, medium, and micro enterprises.(Responsibility lies with the Municipal Development and Reform Commission, Municipal Science and Technology Bureau, Municipal Industry and Information Technology Bureau, Municipal Transportation Bureau, Municipal Commerce Bureau, Municipal Culture and Tourism Bureau, Municipal Investment Promotion Bureau, Municipal Data Bureau, Municipal Party Committee Financial Affairs Office, Operations Management Department of the People’s Bank of China Jiangsu Branch, Zijin Investment Group, and others according to their respective duties)

(13) Continuously improve multi-party cooperation mechanisms. Leveraging the Municipal Financing Credit Service Platform, widely attract various financial institutions—including banks, insurance companies, and financing guarantee institutions—to establish a presence, thereby building a sound financial service ecosystem. Strengthen the development of the government-backed financing guarantee system and innovate credit enhancement models. Continuously optimize market-based risk-sharing mechanisms for credit loans to SMEs, such as the “Ningchuang Loan,” with the government, banks, guarantee institutions, and re-guarantee institutions jointly sharing the risks of inclusive loans.Encourage all districts to formulate incentive policies to promote financial institutions in providing specialized services to industrial parks, characteristic towns, and other such entities. (Responsibility lies with the Municipal Science and Technology Bureau, Municipal Industry and Information Technology Bureau, Municipal Finance Bureau, Municipal Agriculture and Rural Affairs Bureau, Municipal Party Committee Financial Affairs Office, Operations Management Department of the People’s Bank of China Jiangsu Branch, district governments, Jiangbei New Area Administrative Committee, Zijin Investment Group, and others according to their respective duties)

VI. Strengthening Information Security and Protection of Entity Rights

(14) Strengthen information security management. Implement national, provincial, and municipal information security management systems and requirements; improve management norms and standards for the Municipal Financing Credit Service Platform regarding system integration, institutional onboarding, information aggregation, information sharing, and data security; and enhance security safeguards for data sharing, usage, transmission, and storage. Strengthen security assessments and daily monitoring management to improve capabilities in security risk monitoring, early warning, and response.(Responsibility lies with the Municipal Development and Reform Commission, the Municipal Data Bureau, the Municipal Party Committee’s Financial Affairs Office, the Operations Management Department of the People’s Bank of China’s Jiangsu Branch, and Zijin Investment Group, among others, in accordance with their respective duties)

(15) Effectively safeguard the rights and interests of data subjects. Strictly enforce the authorization management system to ensure the lawful and compliant use of credit information. Strengthen information management on the Municipal Financing Credit Service Platform to prevent the disclosure of trade secrets, personal privacy, and other non-public corporate credit information to external parties without proper de-identification or explicit authorization from the data subjects. The Municipal Financing Credit Service Platform shall provide registered enterprises with free services such as credit information inquiries, ensure unimpeded channels for filing objections regarding credit information, and cooperate in handling objections and updating information.(Responsibility lies with the Municipal Development and Reform Commission, the Municipal Data Bureau, the Municipal Party Committee’s Financial Affairs Office, the Operations Management Department of the People’s Bank of China’s Jiangsu Branch, Zijin Investment Group, and others, in accordance with their respective duties)

VII. Support Measures

(16) Strengthen Organizational Coordination. The Municipal Development and Reform Commission, the Municipal Data Bureau, the Municipal Party Committee Financial Affairs Office, and the Operations Management Department of the People’s Bank of China Jiangsu Branch shall improve the mechanism for coordinating and advancing this work. The Municipal Party Committee Financial Affairs Office and the Operations Management Department of the People’s Bank of China Jiangsu Branch shall strengthen guidance for relevant financial institutions and financial operations.The Municipal Data Bureau shall oversee the coordination of public data authorization and operations. Zijin Investment Group shall be responsible for the construction and operational management of the Municipal Financing Credit Service Platform. (Responsibility lies with the Municipal Development and Reform Commission, the Municipal Data Bureau, the Municipal Party Committee Financial Affairs Office, the Operations Management Department of the People’s Bank of China Jiangsu Branch, Zijin Investment Group, and others according to their respective duties)

(17) Strengthen publicity and guidance. Extensively promote financing and credit services through various channels and methods, including government service halls at all levels, bank branches, service hotlines, official websites, Weibo and WeChat, and business-related service platforms. Conduct platform promotion and bank-enterprise matching activities in industrial parks and science and technology innovation parks. Timely summarize and promote advanced practices and typical cases.(Responsibility lies with the Municipal Publicity Department, Municipal Development and Reform Commission, Municipal Data Bureau, Municipal Financial Affairs Office, Operations Management Department of the People’s Bank of China Jiangsu Branch, relevant municipal departments, district governments, Jiangbei New Area Administrative Committee, Zijin Investment Group, and others according to their respective duties)

(18) Improve Reporting and Supervision. Continuously monitor and refine the collection and sharing of credit information, as well as the effectiveness of financing credit service platforms, and regularly report on progress. Establish a sound supervision and incentive mechanism for financial institutions, including banks, in their provision of financing credit services. (Responsibility lies with the Municipal Development and Reform Commission, Municipal Data Bureau, Municipal Finance Bureau, Municipal Party Committee Financial Office, Operations Management Department of the People’s Bank of China Jiangsu Branch, and Zijin Investment Group, among others, according to their respective duties)