工行北海分行落地“助商组合贷” 为个体工商户送上“及时雨”

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Beihai Branch has launched an innovative financial product called "Assistance Business Combination Loan" to address the financing challenges faced by small and individual businesses, enabling quick access to funds without collateral [1][2] Group 1: Product Features and Benefits - The "Assistance Business Combination Loan" allows for a loan approval and disbursement process that can be completed in as little as 2 working days, catering to the urgent financing needs of individual businesses [1] - As of April 25, 2025, ICBC Beihai Branch has issued a total of 700,000 yuan (approximately 100,000 USD) in loans to four individual businesses, demonstrating the effectiveness of this financial service [1] - The loan product is designed to meet the "short, small, frequent, and urgent" financing demands of individual businesses, which often struggle with insufficient collateral [1][2] Group 2: Service Innovations - ICBC Beihai Branch has established a dedicated service team to identify and serve community merchants and small shops, implementing three key initiatives: intelligent screening of creditworthy merchants, on-site service visits, and rapid response through a dual-line intelligent risk control model [2] - The bank's approach includes a "one-time credit, revolving use" model, allowing businesses to access funds more flexibly and efficiently [2] - The first beneficiaries of the loan program include businesses in the catering, retail, and wholesale sectors, highlighting the diverse applications of the financial product [2] Group 3: Impact on the Economy - The "Assistance Business Combination Loan" aims to support employment stability, expand domestic demand, and promote consumption by addressing the financing needs of small and micro enterprises [2] - The initiative reflects the responsibility of state-owned banks in nurturing the real economy and enhancing financial accessibility for small businesses [2]