Core Viewpoint - The launch of "Micro Trade Loan" aims to provide online, unsecured credit products for small and micro foreign trade enterprises, addressing their funding gaps amid complex international trade conditions [1][2]. Group 1: Product Overview - "Micro Trade Loan" offers a minimum interest rate of 2.88% and a maximum credit limit of 10 million yuan [1]. - The product integrates the strengths of policy banks, digital banks, policy insurance, and government data platforms to enhance financial service efficiency and coverage [2]. Group 2: Challenges and Solutions - Financial institutions face three main challenges: ensuring policy bank funds reach needy enterprises, improving risk identification and services for small foreign trade enterprises, and better integrating export credit insurance with financing services [1][2]. - The Shenzhen Municipal Bureau of Commerce has developed a unified insurance policy for small and micro foreign trade enterprises, allowing those with export volumes below 8 million USD to apply for export credit insurance directly [2]. Group 3: Government Support - The Shenzhen Municipal Financial Committee emphasizes the need for financial institutions to increase support for foreign trade enterprises, aiming to alleviate issues related to financing difficulties, high costs, and slow processes [3].
深圳推出外贸小微企业专属贷款 可最高授信1000万元
Xin Hua Cai Jing·2025-05-28 04:56