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交行普惠金融“组合拳”再升级,助力小微企业发展
2 1 Shi Ji Jing Ji Bao Dao·2025-09-18 01:16

Core Viewpoint - The focus on supporting small and micro enterprises has become a key theme in banking financial services, with the Bank of Communications actively engaging in financing coordination mechanisms to enhance financial services for these enterprises across various sectors [1] Product Innovation - The Bank of Communications is committed to injecting financial resources into technology-driven small and micro enterprises, launching various financial products to enhance support for technological innovation [2] - Notable initiatives include the first AI enterprise data asset pledge loan of 10 million yuan in Zhejiang and the "Kechuang Yidai" product line in Ningbo, providing significant credit support for R&D [2] - The bank is building a multi-tiered technology finance support system to address financing challenges for tech enterprises and stimulate innovation [2] Service Upgrade - The Bank of Communications is enhancing services for foreign trade enterprises by innovating service models and establishing a financial support network tailored to the needs of these businesses [3][4] - The bank has developed a collaborative mechanism with local financing guarantee centers and launched the "Smart Rong e-loan" product, which provided 368 million yuan in credit support to 77 small and micro enterprises in Shanghai [3] - A specialized service policy system has been created for cross-border e-commerce enterprises, including a fast approval process that can complete funding in as little as three working days [4] Dual-Drive Strategy - The bank has introduced a dual-drive model of "Cultural Tourism + Finance" and "Entrepreneurship + Finance" to stimulate consumption and support the high-quality development of small and micro enterprises in tourism and catering [6] - In Beijing, the bank has implemented a low-threshold, high-efficiency financial service system for startups, providing 3 million yuan in funding to a cash-strapped restaurant chain [6] Future Outlook - Since the launch of the small and micro enterprise financing coordination mechanism, the Bank of Communications has visited over 500,000 enterprises and granted cumulative credit exceeding 1.1 trillion yuan [7] - The bank aims to continue driving innovation and enhancing efficiency in financial services to effectively address the financing challenges faced by small and micro enterprises [7]