Zhong Guo Jin Rong Xin Xi Wang·2025-05-27 12:06Core Insights - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is enhancing its support for the manufacturing sector by establishing a comprehensive service ecosystem that focuses on major projects, small and micro enterprises, and full-chain risk control [1][2][3] - As of April 2025, the loan balance for manufacturing at ICBC Beihai Branch exceeded 5.5 billion yuan, with a net increase of over 900 million yuan, representing a growth rate of 20.3% [1] - The bank is actively addressing the financing needs of local industries, particularly in electronic information, new materials, and energy sectors, by providing a diverse range of financial products [1][2] Manufacturing Loan Support - The bank's manufacturing loans include project loans exceeding 270 million yuan and working capital loans surpassing 560 million yuan, with off-balance-sheet financing exceeding 100 million yuan [1] - The bank has developed a dual-track approach of on-balance and off-balance sheet financing to meet the diverse funding needs of enterprises [1] Small and Micro Enterprises - ICBC Beihai Branch has created an online and offline inclusive service system to stimulate the vitality of small and micro enterprises, with a total of 135 million yuan in loans issued to small manufacturing enterprises, marking a year-on-year increase of 48.21% [2] - The bank has introduced innovative products such as "Guangxi Guihui Guarantee e-loan" and "Industrial e-loan" in collaboration with local guarantee companies [2] Project Loan Initiatives - Project loans are a core strategy for supporting high-quality development in manufacturing, with a focus on the "Double Hundred and Double New" projects in the region [2] - As of April 2025, the bank has supported a paper industry group's green upgrade project with a loan of 162 million yuan and a technology upgrade project for a new energy company with a loan of 113 million yuan [2] Working Capital Loans - The bank has issued over 560 million yuan in working capital loans to local manufacturing enterprises, reflecting a year-on-year growth of 203.45% [3] - The "Supply Chain + Working Capital Loan" model has been innovated to extend services to upstream and downstream enterprises based on the credit of core companies [3] Risk Management - ICBC Beihai Branch emphasizes risk management by establishing a multi-dimensional debt repayment capacity assessment system and implementing a dynamic monitoring mechanism for manufacturing loans [3] - The bank has maintained a 100% recovery rate for maturing manufacturing loans since 2025, achieving both growth in scale and quality of assets [3]