Zhong Guo Jin Rong Xin Xi Wang·2025-09-11 06:50Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively responding to the Guangxi Zhuang Autonomous Region's "2025 Financial Benefits for Enterprises Fiscal Interest Subsidy Policy Implementation Plan" by innovating the "Huiqi Loan" product system to address the core issue of high financing costs for small and micro enterprises [1][2] - Since July 2025, the bank has successfully applied for 160 million yuan in fiscal interest subsidy funds for small and micro enterprise loans, injecting strong financial momentum into the real economy of Yulin City [1] Group 1 - The bank leverages its financial engine role to assist small and micro enterprises in financing by closely aligning with the economic characteristics of Yulin's regional specialty industries and important agricultural bases [1] - The "Huiqi Loan" product system focuses on the common financing challenges faced by small and micro enterprises, individual businesses, and agricultural entities, with marketing teams actively engaging with business owners in various localities [2] - The bank utilizes big data analysis and refined management tools to select high-quality small and micro entities that align with national and regional industrial policies, ensuring precise allocation of fiscal subsidy resources [1][2] Group 2 - The bank addresses the "high financing costs" issue by creating a scene-based, intelligent, and online inclusive financial product matrix under the unified brand of "Huiqi Loan" [2] - Key products such as "New Generation Business Quick Loan," "Transaction e-Loan," "Merchant e-Loan," and "Agricultural e-Loan" have been introduced to innovate traditional credit models that rely on collateral and complex processes [2] - The product system covers 31 key industrial clusters, continuously optimizing based on customer needs to achieve comprehensive coverage of Yulin's characteristic industries and specialized markets [2] Group 3 - To ensure the effective and transparent allocation of the 160 million yuan in fiscal interest subsidy funds, the bank has established a rigorous and efficient full-process closed-loop management mechanism [3] - A strict customer admission and subsidy qualification review mechanism is in place, utilizing multi-dimensional risk control models and policy adaptation models for cross-validation and screening of applicant enterprises [3] - The focus is on ensuring that subsidy resources are directed towards the most urgent, most compatible, and most beneficial small and micro entities, preventing any leakage of funds [3]