Zhong Guo Jin Rong Xin Xi Wang·2025-06-10 12:13Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is enhancing its support for small and micro enterprises (SMEs) in Houp County by implementing a three-pronged approach: government-bank collaboration, service upgrades, and risk management [1][2]. Group 1: Government-Bank Collaboration - ICBC Houp County branch has established a "policy linkage + demand direct access" mechanism to address financing bottlenecks for SMEs [1]. - The branch has formed a special service team to participate in government-organized enterprise matching events and industry seminars, allowing for a dynamic understanding of the operational challenges faced by businesses [1]. - Innovative loan products such as "Manufacturing e-loan," "Planting e-loan," "Breeding e-loan," and "Business Quick Loan" have been introduced to cater to the specific needs of technology-driven and agricultural SMEs, simplifying collateral requirements and expanding inclusive coverage [1]. Group 2: Service Upgrades - The bank has optimized its business processes to create a "one-stop" service system, including a green approval channel for SME loans with a "time-limited completion system" to shorten loan disbursement periods [2]. - A professional customer manager team has been established to provide "one-on-one" comprehensive advisory services, ensuring precise alignment with preferential policies [2]. - The ICBC mobile banking platform has been utilized to facilitate online loan applications and progress tracking, reducing the need for businesses to visit multiple locations and enhancing loan efficiency [2]. Group 3: Risk Management - A "pre-loan screening + post-loan tracking" risk control loop has been established to strengthen post-loan management and early warning systems [2]. - The bank employs big data analysis to predict operational risks for enterprises and dynamically adjust credit strategies [2]. - A responsibility system for post-loan management has been implemented, with regular follow-ups to continuously improve the quality of loan assets [2]. Group 4: Future Plans - ICBC Houp County branch plans to further deepen its inclusive financial services, focusing on supporting small and micro enterprises in rural revitalization and green industries to inject stronger financial momentum into the high-quality development of the county's economy [2].