兴业银行济南分行提升金融服务适配性助力制造业企业破解融资难题

Core Insights - The article highlights the successful collaboration between Industrial Bank's Jinan branch and a key metal processing enterprise in Binzhou, showcasing the effectiveness of financial services in supporting the real economy [1][2] Group 1: Financial Solutions - The enterprise, with an annual output value exceeding 200 million yuan, faced a tight liquidity situation requiring 10 million yuan for raw material purchases due to a new factory construction project [1] - Industrial Bank provided a tailored financing solution through its "Xing Su Loan" product, which utilized the enterprise's existing assets as the basis for credit without requiring collateral, thus meeting the urgent funding needs efficiently [1][2] Group 2: Service Efficiency - The bank implemented a "green channel" to expedite the service process, completing the corporate account setup and product signing within one working day, and achieving online automatic approval for the 10 million yuan credit limit within 24 hours [2] - The use of electronic signature systems allowed for loan disbursement within three working days, ensuring timely access to funds for the enterprise [2] Group 3: Client Relationship and Future Cooperation - The collaboration has evolved from a singular financing relationship to a comprehensive partnership, with the enterprise expressing intentions to transfer more settlement and fund management operations to the bank [2] - The bank's approach of leveraging financial technology to replace traditional processes has created a replicable model for inclusive financial services, enhancing the financing accessibility for similar enterprises [2] Group 4: Commitment to Economic Development - The bank's leadership emphasized the role of technological empowerment and product innovation in supporting the real economy, committing to explore new paths for inclusive finance to bolster regional economic development [2]