中新网4月10日电 在今日的国务院政策例行吹风会上，中国人民银行征信管理局局长任咏梅透露，为提升中小微企业融资便利性，我国将深化征信供给侧改革，鼓励征信机构积极运用大数据、人工智能等前沿技术进行产品创新。
任咏梅表示，随着数字经济的快速发展，大数据和人工智能已经成为推动金融行业进步的重要引擎。央行将支持征信机构在合规的前提下，积极探索将这些新技术应用于信用评估和风险管理，以更精准地服务中小微企业，缓解其融资难题。
根据《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》，征信系统的升级旨在打造一个更高效、更智能的信用信息共享平台。通过运用大数据分析，可以更全面、准确地评估企业的信用状况，降低金融机构的信贷风险；而人工智能技术的应用，将进一步提升信用评估的自动化和智能化水平，减少人工干预，提高融资效率。
此次改革旨在打破信息壁垒，打通中小微企业与金融机构之间的信息不对称，为中小微企业提供更加便捷、高效的融资渠道。央行的这一举措不仅将推动征信行业的创新，也将为我国中小微企业的健康发展注入新的活力。
英语如下：
**News Title:** “The Central Bank Advances Credit Reporting Innovation: Big Data and AI Empower SME Financing”
**Keywords:** Central Bank Support, Credit Reporting Innovation, Big Data AI
**News Content:**
BEIJING, April 10 (Xinhua) – At today’s State Council policy briefing, Ren Yongmei, Director of the Credit Reporting Administration at the People’s Bank of China (PBOC), disclosed that in order to enhance the financing convenience for small and micro enterprises (SMEs), China plans to deepen reform on the supply side of credit reporting, encouraging agencies to actively employ big data and artificial intelligence (AI) technologies for product innovation.
Ren stated that with the rapid development of the digital economy, big data and AI have become crucial drivers of progress in the financial sector. The PBOC will support credit reporting agencies in exploring the application of these new technologies in credit assessment and risk management under regulatory compliance, aiming to provide more precise services to SMEs and alleviate their financing difficulties.
According to the “Integrated Financing Credit Service Platform Construction Plan to Enhance SME Financing Convenience,” the upgrade of the credit reporting system aims to create a more efficient and intelligent platform for sharing credit information. By leveraging big data analysis, a more comprehensive and accurate assessment of enterprises’ credit status can be achieved, reducing credit risks for financial institutions. The application of AI technology will further enhance the automation and intelligence of credit assessment, minimizing human intervention and improving financing efficiency.
This reform targets to break down information barriers and address the asymmetry of information between SMEs and financial institutions, facilitating more accessible and efficient financing channels for SMEs. The PBOC’s move is set to drive innovation in the credit reporting industry and inject new vitality into the healthy development of China’s SMEs.
【来源】http://www.chinanews.com/cj/2024/04-10/10196129.shtml
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