Xin Hua Wang·2025-08-12 06:14Core Viewpoint - The Central Financial Work Conference emphasizes the need for finance to provide high-quality services for economic and social development, particularly by allocating more financial resources to support the growth of small and micro enterprises, thereby enhancing inclusive finance [1] Group 1: Development of Inclusive Finance - Since the establishment of the Inclusive Finance Department in 2018, the balance of inclusive finance loans at CITIC Bank has increased from 130 billion to 530 billion, with the number of borrowers rising from 80,000 to 270,000, while maintaining stable asset quality [1] - CITIC Bank has implemented a management innovation strategy to enhance the political and people-oriented nature of financial work, contributing to alleviating the financing difficulties faced by small and micro enterprises [1] Group 2: Management and Service Enhancement - CITIC Bank has formed a leadership group for inclusive finance, led by the Chairman, to innovate a unique management model that enhances the efficiency and professionalism of inclusive finance services [2] - The bank has established a centralized operational management platform for inclusive finance, focusing on risk management and professional teams to improve service capabilities [2] Group 3: Product Innovation and Development - CITIC Bank has introduced a "duty exemption" approach to encourage product development, establishing a product innovation factory that includes over 20 standardized products [3] - The bank has developed various loan products targeting supply chain finance and key industries, such as "Order e-loan" and "Innovation e-loan," which provide quick online credit loans to small and micro enterprises [3] Group 4: Intelligent Management and Risk Control - CITIC Bank is leveraging digital technologies to create a comprehensive risk control platform that enhances the precision of inclusive finance services [4] - The bank's intelligent risk warning system has achieved over 80% accuracy in risk prediction and over 90% automation in inspections, marking a shift from manual to intelligent risk management [4] - Future plans include further enhancing inclusive finance service capabilities in alignment with national policies and regulatory guidance [4]