Digital Empowerment of Capital Flow, Financial Vitality Nourishes Pearl City——Agricultural Bank of China Bengbu Branch Enables High-Quality Development of Real Economy with Data Elements

Originally from: Xinhua Finance

Digital empowerment fuels new momentum; financial connectivity opens a new chapter. Under the guidance of the People’s Bank of China Bengbu Branch, the Agricultural Bank of China Bengbu Branch deeply explores the value of fund flow credit information, promoting the integration of credit policies with the “Five Major Articles” of financial deployment. Through full-process data application, it breaks down information barriers and solves financing bottlenecks, forging a new financial path that leverages data elements to empower the real economy and serve technological innovation and small micro-market entities. As of the end of February 2026, the bank has issued 890 loans totaling 3.627 billion yuan based on fund flow credit information, injecting strong momentum into high-quality local economic development through precise financial services.

Digital precision drip irrigation to break through financing bottlenecks for tech startups

The real economy is the foundation of finance; fund flow is the lifeblood of enterprises. Small and micro, tech innovation, and green enterprises often face issues such as information asymmetry, high risk control costs, and cumbersome approval processes under traditional financing models. The asset-light, collateral-deficient nature of these industries further traps many high-quality enterprises in financing difficulties.

A synthetic resin technology company in Guzhen, with two decades of R&D, holds 11 invention patents, 5 utility model patents, and 3 proprietary brands. It has established R&D bases with Nanjing University and East China University of Science and Technology. Its average annual revenue over the past three years reached 158 million yuan, with stable downstream payments. Due to asset-light operations and lack of collateral, the company long faced slow approval processes and cumbersome documentation, hindering R&D funding. After connecting to the fund flow information platform, the Agricultural Bank of China Bengbu Branch efficiently integrated core data such as business cash flow and transaction records, visually presenting fund flow scale to support precise credit granting and quota matching. It also innovated a “patent pledge + credit data” integrated guarantee model, embedding automatic query functions into the system, significantly simplifying application materials, and quickly providing an 8 million yuan loan, effectively addressing urgent R&D funding needs. This support helped the company become a national-level specialized, refined, and innovative “Little Giant” enterprise, strengthening financial backing for technological iteration and capacity expansion.

“Fund flow + technology flow” dual-driven approach accelerates tech startup credit loan approval

Targeting the core issues of “asset-light, R&D-heavy, collateral-deficient” tech startups, the fund flow information platform consolidates data such as cross-bank R&D investment trajectories, technology cooperation transaction flows, and patent transfer payments. This enables quantification of enterprise technological value, breaking through traditional credit evaluation constraints. Guided by the People’s Bank of China Bengbu Branch, the Bengbu Branch of ABC has built a dedicated service channel for tech startups, launching specialized products like “Tech Innovation Loans” and “Intellectual Property Pledge Loans,” creating a diversified “fund flow + technology flow” financing model to precisely meet the full lifecycle financing needs of tech enterprises.

A tech startup in Bengbu focusing on information display, new energy, and special glass has 89% of its staff in R&D. Despite strong R&D capabilities, lack of traditional collateral restricts capacity expansion. Relying on platform data, the bank quickly assessed the company’s stable cash flow and sound operations, approved and disbursed 7 million yuan swiftly, alleviating funding shortages and injecting financial vitality into key technological breakthroughs and innovation upgrades, activating new momentum for tech development.

Platform credit empowerment promotes inclusive finance with precise expansion and quality improvement

The financing needs of small micro enterprises—short-term, small amount, frequent, urgent—are key and challenging areas of inclusive finance. The fund flow information platform breaks down cross-bank data silos, allowing financial institutions to fully understand business conditions without requiring cumbersome paper statements, enabling large-scale, precise inclusive lending.

A nationally recognized “Little Giant” in Bengbu specializing in glass machinery exports to over fifty countries and regions, received a 3 million yuan working capital loan from ABC Bengbu Branch in 2024. In 2025, due to urgent raw material procurement needs, the bank used platform data to initiate a green approval channel, granting an additional 8 million yuan, exemplifying “timely assistance” in inclusive finance. The bank also integrated online products like “Mortgage e-Loans,” “Tax e-Loans,” “Grain and Agriculture e-Loans,” and “Tech Innovation e-Loans,” allowing authorized enterprises to access cross-bank fund flow data, combined with tax and operational information, enabling instant loan approvals and disbursements. This approach precisely covers small micro, individual business, and rural groups, supporting common prosperity and rural revitalization through inclusive finance.

Financial empowerment continues, with practical action opening new chapters. By 2026, the Agricultural Bank of China Bengbu Branch will continue to deepen the application of the fund flow information platform under the guidance of the People’s Bank of China Bengbu Branch, focusing on inclusive microfinance, technological innovation, and green development. It will optimize product offerings and improve service efficiency, ensuring that financial resources precisely nurture every market entity, safeguarding the realization of tech innovation dreams, and writing a new chapter of financial responsibility for high-quality economic and social development in Bengbu. (Wu Mengqi)

Editor: Jiang Nan