Zhong Guo Jin Rong Xin Xi Wang·2025-07-15 04:55Core Insights - The article discusses the launch of a new inclusive financial product "Smart Loan e-Loan" by Bank of Communications Shanghai Branch in collaboration with the Shanghai Policy Financing Guarantee Fund Management Center, aimed at supporting the development of small and micro enterprises in Shanghai [1][2]. Group 1: Product Features - "Smart Loan e-Loan" focuses on the four stability tasks: stabilizing employment, enterprises, markets, and expectations, through a collaborative innovation of "digital + finance + guarantee" [1]. - The product innovatively constructs a multi-dimensional data evaluation system to address financing bottlenecks, allowing for a more accurate assessment of small and micro enterprises' financial health [1]. - The product utilizes real-time data interaction and intelligent dynamic management mechanisms to enhance risk monitoring and ensure effective use of guarantee funds [2]. Group 2: Service Efficiency - The product features a simplified process with "intelligent credit assessment and self-service withdrawal," significantly improving the efficiency of inclusive financial services [2]. - Since its launch on July 11, the product has provided financing support to 77 small and micro enterprises, with a total credit amount of 368 million yuan [2]. - The collaboration with China Export & Credit Insurance Corporation aims to enhance support for foreign trade enterprises by addressing financing difficulties through a combination of special financing quotas and interest rate subsidies [2]. Group 3: Future Plans - The Bank of Communications Shanghai Branch plans to deepen its strategic cooperation with the financing guarantee center, focusing on key areas such as foreign trade, green finance, and livelihood, to enhance the precision and effectiveness of financial resource allocation [2].