Bei Jing Qing Nian Bao·2025-08-25 18:23Core Viewpoint - CITIC Bank Beijing Branch is committed to supporting the economic development of the capital by providing innovative financial services to small and micro enterprises, emphasizing a "people-oriented" approach through policy implementation, product iteration, and model innovation [1] Policy Implementation - The bank has established a rapid response mechanism to address the urgent funding needs of small and micro enterprises, exemplified by a case where a company received a 10 million yuan loan within a week without the need for principal repayment [2] - As of the end of Q2 2025, the branch's outstanding balance of loans for small and micro enterprises reached 2.471 billion yuan, with a renewal loan ratio of 17.5%, demonstrating a commitment to continuous support for these businesses [2] Product Innovation - The launch of the "Chuangxin e-loan" product allows small enterprises to obtain loans of up to 3 million yuan online within 30 minutes without collateral, showcasing the bank's focus on technology-driven solutions [3] - This product utilizes big data from the People's Bank of China to create a credit transmission mechanism that extends the credit of large enterprises to upstream small suppliers, overcoming limitations of traditional supply chain finance [3] Service Upgrade - In the first half of 2025, the bank achieved over 10% growth in loans to small and micro enterprises, serving nearly 5,000 clients, indicating significant service upgrades [4] - The bank aims to simplify processes and reduce interest rates for small enterprises, ensuring they can access affordable financing while also building a professional service team to cover both existing and potential clients [4] - Looking ahead, CITIC Bank Beijing Branch plans to continue its strategy of affordable costs and sustainable business, focusing on supporting technological innovation and green development to enhance the impact of inclusive finance on the real economy [4]