据中新网4月10日报道，国务院政策例行吹风会在当日举行，重点介绍了《统筹融资信用服务平台建设提升中小微企业融资便利水平实施方案》的最新进展。在会议上，央行披露了一个显著的数据，国家金融信用信息基础数据库在2023年已提供查询服务高达53亿次，这一数字凸显了我国在优化中小微企业融资环境方面的积极努力。
这一数据库的广泛使用，为金融机构评估中小微企业的信用状况提供了重要依据，极大地提升了融资效率。通过精准的信用信息查询，银行和其他金融机构能够更准确地识别潜在贷款对象的风险，从而更好地满足中小微企业的资金需求，降低融资难度。
《实施方案》旨在通过统筹各类信用信息资源，打造一体化的融资信用服务平台，以科技手段解决中小微企业融资难、融资贵的问题。随着平台的不断完善，预计未来将有更多中小微企业从中受益，进一步推动我国实体经济的健康发展。
央行的这一举措，不仅强化了金融市场的信用体系建设，也体现了政府对中小微企业这一国民经济重要支柱的大力支持。随着信用信息的透明化和金融服务的普惠化，中小微企业将拥有更为广阔的发展空间，为我国经济的持续稳定增长注入新的活力。
英语如下：
**News Title:** “Central Bank’s Financial Credit Database Exceeds 5.3 Billion Queries in 2023, Facilitating Financing Solutions for SMEs”
**Keywords:** Central Bank Database, Query Services, SME Financing
**News Content:**
**Title:** National Financial Credit Information Database Records Over 5.3 Billion Queries in 2023, Boosting SME Financing
According to Xinhua News Agency on April 10, a State Council policy briefing was held that day, focusing on the latest developments in the “Integrated Financing Credit Service Platform Construction and Improvement Plan for SMEs’ Financing Convenience.” During the meeting, the central bank revealed an impressive statistic: the national financial credit information database had provided query services more than 5.3 billion times in 2023, highlighting China’s proactive efforts to optimize the financing environment for SMEs.
The widespread use of this database has been crucial for financial institutions in assessing the creditworthiness of SMEs, significantly enhancing financing efficiency. By accessing precise credit information, banks and other financial institutions can more accurately assess the risk of potential borrowers, thereby better meeting the funding needs of SMEs and reducing the challenges they face in obtaining capital.
The “Implementation Plan” aims to leverage various credit information resources to establish an integrated financing credit service platform, using technology to address the difficulties and high costs SMEs encounter in financing. As the platform continues to improve, it is anticipated that more SMEs will benefit, further promoting the healthy development of China’s real economy.
This move by the central bank not only strengthens the credit system in the financial market but also demonstrates the government’s strong support for SMEs, a vital pillar of the nation’s economy. With increased transparency in credit information and the promotion of inclusive financial services, SMEs will have broader development prospects, injecting new vitality into China’s sustained and stable economic growth.
【来源】http://www.chinanews.com/cj/2024/04-10/10196164.shtml
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