为小微企业搭把手

Group 1 - The core viewpoint of the articles highlights the role of digital financial services in supporting small and micro enterprises, particularly through products like "Entrepreneur Guarantee Loan" offered by Citic Baixin Bank, which addresses the challenges of collateral requirements for loans [1][3] - Citic Baixin Bank has achieved a significant growth in its inclusive small and micro loans, reaching a scale of 9.1 billion yuan, representing a 45% increase by the end of 2024 [1] - The bank's digital services have enabled a more efficient loan approval process, allowing for online applications that can be completed quickly, thus meeting the urgent funding needs of businesses like the second-hand car industry [2][3] Group 2 - The bank's online services are designed to be user-friendly and efficient, with a response time for loan assessments reaching seconds, which facilitates quick funding for small businesses [2] - Citic Baixin Bank aims to be a "supplementary player" in traditional financial services, leveraging digital methods to overcome the limitations of physical branches and traditional credit models [3]