2026年一季度经济观察·数据解读 | 信用生金 湖北商业价值信用贷款放款超312亿元
<p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><iframe src="https://app.cjyun.org/video/player/index?vid=757393&thumb=https%3A%2F%2Fimg.cjyun.org%2Fa%2F10008%2F202604%2F085dd188aa1127839261922581ba7235.jpg&sid=10008&next=&autoStart=0&type=&customid=983&width=1920&height=1080" frameborder="0" width="100%" allowfullscreen="allowfullscreen" style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; border-width: 0px; border-style: initial; max-width: unset; max-height: unset; height: calc(-16.875px + 56.25vw);"></iframe></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1.5em; margin-bottom: 1.5em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 1.8; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; text-indent: 2em;">缺少抵押物、银企信息不对称，是很多中小企业融资难的症结所在。湖北在全国首创“商业价值信用贷款”，今年一季度，该贷款平台放款已达312亿元，用“数据增信”让企业信用变成“真金白银”。</span><br style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;"/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1.5em; margin-bottom: 1.5em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 1.8; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">在黄冈这家绿色建材厂，高性能混凝土正加紧生产，即将运往燕矶长江大桥等重点项目。几年前，企业却因缺乏不动产抵押，贷款屡屡碰壁。转机来自邮储银行的一笔商业价值信用贷款，不靠“砖头厂房”，靠纳税、知识产权等多维数据生成的信用评级。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1.5em; margin-bottom: 1.5em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 1.8; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; font-weight: bold;">沃克豪斯（黄冈）绿色建材有限公司总经理 胡福军：</strong>上传了企业营业执照、财务流水等关键信息以后，不到1小时，平台就给出信用等级A，这意味着我最高可贷1000万元。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1.5em; margin-bottom: 1.5em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 1.8; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">让银行“看懂”企业价值，离不开数据支撑。湖北省征信公司建设运营的商业价值信用贷款平台，将13个政府部门的政务数据汇集加工，转化为银行能理解的信用信息。在省数据局支持下，平台已归集96亿条数据，截至3月底，入库企业已达68.61万户。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1.5em; margin-bottom: 1.5em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 1.8; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; font-weight: bold;">湖北省征信公司总经理 程斌：</strong>我们还从市场上采购了大量的商业数据来为企业的画像提供交叉验证，能够保证我们对企业的画像能够更加精准。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1.5em; margin-bottom: 1.5em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 1.8; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">数据归集是基础，精准“画像”是关键。平台创新设计了涵盖经营基础、经营能力、社会价值等五个维度、十四个核心指标的评价模型，把企业“隐性价值”变成可评估的信用分值。目前，平台已覆盖全省22家商业银行，其中20家实现系统直连，企业评分秒级推送。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1.5em; margin-bottom: 1.5em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 1.8; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; font-weight: bold;">邮储银行黄冈市黄州区支行客户经理 黄显：</strong>现在用数据为企业精准画像，缩短了甄别企业以及流程办理的时间，再加上政府为此专门设立了风险补偿资金，风险把控有底了。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1.5em; margin-bottom: 1.5em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 1.8; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">今年一季度，湖北发放中小企业商业价值信用贷款12944笔、312.8亿元。接下来，平台将从通用的评分走向“一企一策”，加快落地行业子模型，让银行放贷更有底气。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1.5em; margin-bottom: 1.5em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 1.8; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; font-weight: bold;">湖北宏泰集团党委委员、副总经理 赵海涛：</strong>完善“财政增信+数据增信+平台运营”普惠金融模式，推动信用数据“全归集”、信用信息“全联通”、信用价值“用得上”、信用融资“提效率”，进一步提升企业授信通过率、贷款获得率。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1.5em; margin-bottom: 1.5em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 1.8; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><section style="text-wrap: wrap; 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