Zhong Guo Jin Rong Xin Xi Wang·2025-08-08 10:08Core Insights - CITIC Bank Nanjing Branch has developed a new path for inclusive finance through collaboration with government and enterprises, product innovation, and technology empowerment, focusing on affordable costs and sustainable business practices [1][2][4] - The bank has provided significant financial support to small and micro enterprises, with over 270 billion yuan in loans disbursed in the first half of the year, benefiting nearly 4,000 businesses [1][2] Group 1: Financial Support Initiatives - The bank's "thousand enterprises and ten thousand households" initiative has facilitated visits to 4,712 enterprises, resulting in financing support for 3,990 small businesses [1] - A case study highlights a textile company that received 4.54 million yuan in emergency funding, demonstrating the bank's quick response and tailored financial solutions [1] Group 2: Innovative Financial Products - CITIC Bank has introduced the "Commercial Bill e-loan" product, allowing suppliers to quickly obtain financing based on commercial acceptance bills, addressing the urgent funding needs of small enterprises [2] - The bank has also launched a special credit scheme for foreign trade small and micro enterprises, offering benefits such as no collateral and no margin for forward foreign exchange transactions [3] Group 3: Technology and Risk Management - The bank employs a comprehensive risk control model by integrating various government data sources, enhancing the efficiency of risk management and addressing financing challenges faced by small enterprises [3] - The use of financial technology enables the bank to create precise profiles of small businesses, facilitating targeted financial solutions [3] Group 4: Collaboration with Government - CITIC Bank has strengthened its collaboration with government departments, launching policy-based financial products like the "Su Zhi Loan" to support specialized enterprises, thereby reducing financing costs [4] - The bank aims to continue its commitment to supporting small and micro enterprises in Jiangsu, contributing to their high-quality development [4]