Hai Nan Ri Bao·2025-06-26 02:13Core Viewpoint - Hainan Bank of Communications (海南交行) is leveraging innovative financial products and services tailored to local conditions to support the development of small and micro enterprises in Hainan's free trade port, focusing on inclusive finance and technology integration [2][4][10]. Group 1: Inclusive Finance Innovation - Hainan Bank of Communications emphasizes the integration of local characteristics into its inclusive finance services, launching products like "Jiaoyin Zhanye Tong · Nanfan Breeding Loan" to support the local seed industry [4]. - The bank has introduced various financing solutions for technology enterprises, including "Kechuang Yidai" and "Proactive Credit," addressing the challenges of asset-light businesses [4][5]. - Over the past three years, the bank has issued more than 24 billion yuan in inclusive finance loans, serving over 6,000 clients, with growth rates significantly surpassing the overall loan growth in the province [5][9]. Group 2: Product and Technology Integration - The bank has transitioned from standardized products to customized offerings based on client needs, creating a diverse product ecosystem akin to a "financial supermarket" [7]. - Hainan Bank of Communications utilizes data collaboration with local authorities to enhance service delivery, ensuring 24/7 access to financial services through online platforms [8]. - Currently, over 70% of the bank's inclusive loans are processed online, with a fully digital application process for small and micro loans [8]. Group 3: Commitment to Small and Micro Enterprises - The bank promotes a culture of inclusive finance across all branches, establishing dedicated teams to focus on small and micro clients and optimizing internal resources for product innovation and support [11]. - Future plans include enhancing the financing coordination mechanism for small enterprises and deepening technology integration to improve service levels [11].