红网时刻新闻常德7月5日讯（通讯员 杨威 孙凡）“真是太方便了，没想到只需手指一点就可以解决我的燃眉之急！”看着贷款资金到账短信的游先生惊喜地说到。7月5日配资大本营，“工财e贷”首笔80万元贷款资金成功发放到了常德创恒网络科技有限公司企业账户。

“工财e贷”系常德金融超市平台与中国工商银行常德分行成功实现系统直连，并联合常德财科融资担保有限公司共同推出的纯信用线上化企业贷款产品。该款产品旨在破解银企信息不对称难题，降低企业融资成本，有效提升中小微企业融资便利水平和融资能力。

“工财e贷”通过“数据不出域”的方式，加强了信用数据的开发应用，提升了联合建模水平。通过系统互联互通，实现了中小微企业线上申请、线上授信、线上签约、线上提款，极大地提升了融资效率，为企业节省了时间和精力。

“工财e贷”的服务对象主要为中小微企业、“三农”主体、创新创业主体以及战略性新兴产业。宣传推广期内，该产品年化贷款利率为3.45%，年担保费率0.5%，授信额度可达300万元。

财鑫集团将紧密围绕市委、市政府的决策部署，锚定“三个高地”、推进“二次创业”，以科技创新为引领，运用大数据、人工智能等先进技术，积极拓宽企业融资渠道、创新金融产品、优化贷款流程，不断提升中小微企业对金融服务的获得感和满意度配资大本营，为域内地方经济可持续发展做出更大贡献。

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