宁波银行南京分行：以普惠金融为笔，绘就小微企业成长新图景

Core Insights - Small and micro enterprises are crucial for economic development and innovation, serving as the "capillaries" of the economy and the "source of vitality" for innovation [1] - Ningbo Bank Nanjing Branch focuses on serving small and micro enterprises as part of its mission for inclusive finance, creating a comprehensive financial service system that supports the entire lifecycle of these businesses [1] - By understanding the unique challenges faced by different industries and stages of small enterprises, Ningbo Bank designs financial products that directly address their specific needs [1] Summary by Sections Salary Loan - The "Salary Loan" product addresses the critical need for timely salary payments, which is essential for maintaining team stability in small enterprises [2] - This loan uses the company's salary payment data from the past six months as the basis for credit assessment, offering up to six months' total salary without collateral, with a maximum term of 12 months [2] - A case study of a specialized small enterprise illustrates the effectiveness of the Salary Loan, where an 800 million RMB loan was approved quickly to cover a salary shortfall, thereby stabilizing the workforce [2][3] Trade Financing - The "Trade Financing" product is designed to support import and export enterprises by alleviating cash flow pressures during long inventory and payment cycles [5] - This financing solution offers credit based on the company's export volume over the past year, with a maximum limit of 200,000 USD and a term of up to one year [5] - A case example shows how a chemical trading company successfully secured 10 million RMB in trade financing, enabling it to manage increased order volumes and enhance business growth [5] Technology Empowerment - Ningbo Bank leverages digital finance to address the challenges faced by small enterprises, offering streamlined online products that enhance service efficiency [6] - Products like "Easy Loan" and "Tax Loan" provide quick access to funds, with approval times as short as one minute and ten minutes, respectively [6] - The bank aims to continue developing its "technology + finance + ecosystem" service model to support the growth of small enterprises and contribute to high-quality economic development in Nanjing [6]