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以信用体系为基础的第三方服务平台推出中小企业贷款业务,这是信贷模式的一场变革,将传统模式当中必须有现期的抵押或担保等硬实力条件,转换成了可以以信用体系作为基础的软实力条件。2010年,中国建设银行与敦煌网签署战略合作协议,建行深圳分行将首次试点立足于敦煌网平台的“e保通”网络信贷新产品。在敦煌网上进行跨境交易的中小企业,均能够根据所累积的信誉,向建行申请贷款,而无需担保。
The launch of the SME lending business by a third-party service platform based on the credit system is a revolution in the credit model that transforms the traditional model with the current conditions of hard power, such as mortgages or guarantees, into credit-based Basic soft power conditions. In 2010, China Construction Bank and Dunhuang Network signed a strategic cooperation agreement. CCB Shenzhen Branch will pilot the first new network credit product based on the Dunhuang Network Platform. SMEs that conduct cross-border transactions online in Dunhuang are able to apply for a loan from CCB based on their accumulated credit without any guarantee.