"BOC Enterprise E Loan-Bank Tax Loan" is a revolving online financing product for small and micro enterprises based on tax-related information of small and micro enterprises by Bank of China Headquarter to fully enhance the innovation ability of inclusive financial services, strengthen the deep integration with the Internet and big data. This product combines tax data with enterprise credit, adopts the mode of direct connection of the silver tax line, and determines the customer's loan mode by accessing the customer's tax situation and tax payment amount through the Municipal Taxation Bureau, which reduces the problem of asymmetry of information between the bank and the enterprise to a greater extent, and is able to improve the efficiency of financing services for the small and micro-enterprises effectively.
In accordance with the unified work deployment of the Bank of China Head Office, Chongqing Branch, as the first batch of pilot banks to carry out production verification and product promotion. To this end, Bank of China Chongqing Branch set up a working group on "Banking and Taxation Interaction", established a cross-departmental and cross-line working mechanism, and completed the development of the "Bank of China Enterprise E Loan and Banking and Taxation Loan" business system in three months, which solved the problem of no direct data connection between the Bank and the municipal tax bureaus for a long time. It solves the long-standing problem of no direct data connection between the bank and the municipal tax bureau, which is conducive to the bank's use of tax data to solve the financing problems of small and micro-enterprises.