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China Aims to Boost Small Biz Loans With Blockchain

China mandates bank blockchain for small business data sharing and credit access.

  • Chinese banking and tax authorities have directed financial institutions to adopt blockchain and privacy computing to improve data sharing and credit access for small businesses.
  • The policy follows a national roadmap targeting full blockchain-based data infrastructure implementation by 2029, with expected annual investments of $58 billion.
  • This continues China‘s dual-track approach of promoting blockchain for institutional use while maintaining a ban on public cryptocurrency transactions and mining.
  • Despite the 2021 nationwide crypto ban, China remains a significant player, reportedly accounting for 11.7% of the global Bitcoin hashrate as of January 2026.

China’s top tax and financial regulators urged banks on Monday to harness blockchain technology for improving small business financing. This joint directive from the State Administration of Taxation and National Financial Regulatory Administration aims to standardize data sharing between authorities, banks, and enterprises.
Consequently, the notice said banks must enhance credit models to boost services for honest taxpayers. The policy aligns with a broader national push for blockchain integration in data systems.
Meanwhile, a roadmap released in January 2025 targets nationwide implementation by 2029. National Data Administration deputy director Shen Zhulin said the infrastructure is expected to attract $58 billion in yearly investments.
However, China maintains strict controls on cryptocurrencies despite promoting institutional blockchain. The country issued a nationwide ban on crypto transactions and mining in September 2021.
Despite this prohibition, China is still cited as the third-largest Bitcoin mining country. Data from Compass Mining shows it accounted for 11.7% of the global hashrate in January 2026.

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