打好服务民企 金融“组合拳”

Core Viewpoint - The private economy is a vital component of economic growth, employment, and public welfare, with Inner Mongolia Bank's Tongliao branch focusing on supporting the development of private enterprises through innovative financial services and products [1] Group 1: Financial Product Innovation - Inner Mongolia Bank's Tongliao branch has developed specialized financial products like "Glass Fiber Loan" to address the financing needs of small and micro enterprises lacking traditional collateral, providing a total of 296 million yuan in financing support to 13 glass fiber companies by June 2025 [2] - The "Integrity Loan" product was launched to support creditworthy private enterprises, offering up to 20 million yuan in financing for various operational needs, with 87.4 million yuan provided to 20 enterprises by June 2025 [3] - The "Cloud Chain Loan" product was introduced to support upstream suppliers of core enterprises, resulting in 222 million yuan in loans issued to 30 small and micro clients within a year [4] - The "Tax Easy Loan" product was created to convert tax credit into financing credit, providing 37.72 million yuan in support to 20 tax-compliant enterprises by June 2025 [5] Group 2: Policy and Process Improvements - The bank has revised its loan renewal policies to offer non-repayment renewal services for small and micro enterprises facing temporary financial difficulties, processing 13.19 million yuan in such renewals [7] - Efforts to reduce financing costs for small enterprises include utilizing policy funds, with 352.84 million yuan in loans issued under the People's Bank of China's support programs, and a 45.48% reduction in financing rates since 2020 [7] - The bank has optimized its microfinance processes by implementing a parallel pre-review mechanism and simplifying approval procedures for loans under 1 million yuan, enhancing efficiency in loan processing [8] Group 3: Future Directions - The bank plans to continue focusing on the unique operational characteristics and financial service challenges of small and micro enterprises, aiming to transform financial services from reactive to proactive, and create a comprehensive financial service ecosystem for these enterprises [8]