Zhong Guo Jin Rong Xin Xi Wang·2025-06-18 11:48Core Insights - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch is enhancing its outreach to small and micro enterprises by advancing scenario-based and digital transformation through the "Port Trade Finance" platform [1][2] - As of May 31, 2025, the bank's inclusive loan balance increased by 175 million yuan, a growth of 14.17%, and the number of inclusive loan accounts rose by 130, marking a 12.10% increase [1] Group 1: Financial Service Enhancement - The bank has established a "government-enterprise-bank" collaboration mechanism to support small and micro enterprises linked to the "Port Trade Finance" platform, offering comprehensive financial services through initiatives like first-loan expansion and credit loan enhancement [1] - The bank is aligning loan products with supportive policies to meet the diverse financing needs of small and micro enterprises at various development stages [1] Group 2: Digital Transformation and Data Utilization - The bank has enhanced its digital operational capabilities by collaborating with technology teams and the "Port Trade Finance" platform provider, successfully integrating financial services such as account opening and financing into the platform [1][2] - The bank is expanding the data dimensions of the "Port Trade Finance" platform to better connect with industries like frozen seafood and nuts, improving the matching of credit products for small and micro enterprises [2] Group 3: Precision Financing and Credit Assessment - The bank is utilizing data from the "Port Trade Finance" platform to incorporate small and micro enterprise credit, transaction, and behavioral data into its credit assessment models, enabling real-time and precise customer-level comprehensive credit [2] - The bank aims to support the construction of an industrial chain financial ecosystem by extending services to upstream and downstream small and micro enterprises, leveraging the advantages of transaction-based loans [2]