中信百信银行创新金融服务——为小微企业搭把手

Group 1 - Beijing Yixiang Information Technology Co., Ltd. has established a foothold in the market since its founding in 2014, despite facing liquidity issues due to upstream companies' payment cycles [1] - Citic Baixin Bank provided support through its "Entrepreneur Guarantee Loan" product, which allows small and micro enterprises to obtain loans without collateral by using third-party guarantee companies based on credit and tax data [1] - As of the end of 2024, Citic Baixin Bank's inclusive small and micro loans reached 9.1 billion, marking a 45% growth [1] Group 2 - The second-hand car industry is a key area of support for Citic Baixin Bank, which offers timely loan services to meet the high turnover capital needs of second-hand car dealers [2] - The bank's fully online loan service has attracted customers like Beijing Renren Jiacheng Automobile Sales Co., Ltd., who appreciate the convenience of processing loans without visiting bank branches [2] - The bank's online service allows for quick loan approval and customized loan plans based on user information, facilitating short-term capital turnover for small and micro enterprises [2] Group 3 - Citic Baixin Bank aims to address the challenges of "difficult, expensive, and slow financing" for small and micro enterprises through a fully digital operation process and improved loan approval efficiency [3] - The bank seeks to be a "supplement" to traditional financial services by using digital means to overcome the limitations of physical branches and traditional credit models [3]