厦门国际银行：提升融资服务体验 助企轻装上阵开拓市场

Core Viewpoint - The article emphasizes the importance of small and micro enterprises in stabilizing growth, promoting employment, and ensuring livelihoods, while highlighting the persistent challenges of financing difficulties and high costs faced by these enterprises [1]. Group 1: Financing Solutions for Small and Micro Enterprises - The People's Bank of China Xiamen Branch is promoting a national credit information sharing platform to address the credit information insufficiency of small and micro enterprises, aiming to enhance financing convenience and reduce overall loan costs [1][2]. - Xiamen International Bank is actively developing inclusive finance and has launched a digital micro-business support platform, introducing innovative financial products like the "Dream Loan" series [1][4]. Group 2: Implementation of Credit Information Sharing - As a second batch of institutions to connect with the national credit information sharing platform, Xiamen International Bank is working on the construction and integration of the enterprise cash flow system, expected to be operational by Q4 2025 [2]. - The cash flow information platform will provide comprehensive credit information support for small and micro enterprises, improving the efficiency of financing application approvals [2]. Group 3: Enhancing Transparency in Loan Costs - The "Loan Clarity Paper" initiative has been established to help enterprises understand their loan costs better, with efforts to streamline non-interest fee scenarios and enhance financial service efficiency [3]. - A case study illustrates how Xiamen International Bank assisted a supply chain management company in increasing its credit limit from 80 million to 100 million yuan and securing a low-cost loan of 2.0%, saving nearly 30% in financing costs [3].