Zhong Guo Jin Rong Xin Xi Wang·2025-08-22 07:38Core Viewpoint - The recent initiative by CITIC Bank's Nanchang branch to provide low-interest medium to long-term loans to technology-based SMEs in Jiangxi Province aims to alleviate the financing burden on enterprises and support their high-quality development [1][2]. Group 1: Loan Support and Cost Reduction - CITIC Bank Nanchang branch provided a customized mortgage loan plan of 457 days to a food company facing short-term funding pressure due to increased orders [1]. - The bank lowered the loan interest rate to below the market preferential level of the Loan Prime Rate (LPR) and fully covered the assessment fee of 8,724 yuan, ensuring transparency in the overall financing costs [1][2]. - The food company expects to save over 10% in financing costs through the interest rate discount and fee waivers, addressing the "high financing" issue faced by technology-based SMEs [2]. Group 2: Broader Impact and Future Plans - CITIC Bank Nanchang branch has provided transparent loan services to over 400 enterprises in the province, with a cumulative loan amount exceeding 16 billion yuan, significantly reducing the average comprehensive financing costs for related enterprises compared to previous years [2]. - This pilot initiative not only responds to national policy requirements but also represents an innovative exploration by CITIC Bank Nanchang branch to deepen inclusive finance and optimize the business environment [2]. - The bank plans to further expand the pilot scope, optimize service processes, and enhance financial service levels, utilizing digital means to dynamically display financing costs for better transparency and affordability [2].