农行上海市分行上线主动授信模式，助力外贸企业出海

Core Viewpoint - Agricultural Bank of China (ABC) Shanghai Branch has launched an active credit granting model to enhance financial service efficiency for foreign trade enterprises, utilizing big data and data sandbox technologies to proactively calculate credit limits and match suitable financing products [1][2]. Group 1: Active Credit Model - The active credit model allows for the proactive assessment of credit limits for enterprises, significantly reducing the time from application to fund disbursement to just 48 hours, compared to the previous one-week process [1]. - The first transaction under this model involved Shanghai Yingmei Heat Exchanger Co., Ltd., which received a loan of 5 million yuan, highlighting the convenience and lower costs associated with the new financing product [1]. Group 2: "Nongyin Foreign Trade e-loan" Product - The "Nongyin Foreign Trade e-loan" product is a collaborative effort involving ABC Shanghai Branch, Shanghai Financing Guarantee Center, and China Export & Credit Insurance Corporation, designed specifically for small and micro foreign trade enterprises [2]. - This product features a fully online self-service process, simplifying procedures and addressing the challenges of slow and difficult financing for foreign trade enterprises [2]. Group 3: Impact and Future Plans - Since the launch of the active credit model, ABC Shanghai Branch has provided proactive credit limits exceeding 20 billion yuan to over 6,000 quality small and micro import-export enterprises in Shanghai [2]. - The bank aims to continue enhancing its government guarantee loan product system and optimize financial supply to support foreign trade enterprises, contributing to the development of an open economy [3].