Di Yi Cai Jing·2025-05-23 10:33Core Viewpoint - The private economy is a vital source of vitality, innovation, and prosperity for Shanghai's urban development, playing an irreplaceable role in building an international economic, financial, trade, shipping, and technological innovation center. The "Private Economy Promotion Law" officially took effect on May 20, promoting the sustainable, healthy, and high-quality development of the private economy [1]. Group 1: Mechanism Foundation - The Industrial and Commercial Bank of China (ICBC) Shanghai Branch utilizes tools such as re-loans and rediscounting to expand customer service coverage and dynamically adjust financing costs for private small and micro enterprises in response to policy changes [2]. - The bank has improved the "error correction and duty exemption" system to enhance risk management and encourage lending to small and micro enterprises [2]. Group 2: Service Proximity - The ICBC Shanghai Branch has established a comprehensive network for inclusive financial services, having visited 18,500 small micro enterprises and provided credit support exceeding 27.7 billion yuan, with loans disbursed exceeding 24.2 billion yuan [3]. - The bank has launched various online financing products tailored to the common needs of private small and micro enterprises, including customized financing services and an upgraded "no repayment renewal loan" service [3]. Group 3: Product Empowerment - The ICBC Shanghai Branch has developed the "Small Micro Customer Innovation Loan" to meet the financing needs of technology-based small and micro enterprises, providing support exceeding 1.2 billion yuan to over 500 clients [5]. - The bank has innovated financing guarantee business models to offer a variety of financing products, enhancing risk-sharing functions for small and micro enterprises [5]. Group 4: Collaborative Creation - The ICBC Shanghai Branch is advancing a collaborative mechanism involving government, associations, banks, and enterprises to create an inclusive service ecosystem for private enterprises [7]. - The bank aims to continue building and improving long-term mechanisms to support the development of the private economy, providing prioritized and precise financial resource support for high-quality development [7].