“找得到人、解得了惑、贷得到款”——内蒙古农商银行让民营小微企业融资不难

Core Insights - The Inner Mongolia Rural Commercial Bank has introduced a "dedicated consultant" system to address financing issues faced by enterprises, providing tailored support and services [3][5][9] - The bank has developed an innovative "financing assessment" service model that focuses on creating precise profiles of enterprises to enhance financing accessibility and efficiency [5][9] Group 1: Dedicated Consultant System - The bank has established a tiered consultant system to connect with local businesses, matching 19 direct associations with "service stations" for easy access to financial advice [3] - A "one-on-one dedicated consultant" is assigned to 34 member groups, utilizing WeChat service groups to ensure prompt responses to inquiries [3] - Specialized consultation teams are formed to provide differentiated services based on the characteristics of local merchants, ensuring that businesses have reliable support [3] Group 2: Financing Assessment Service - The financing assessment service aims to resolve information asymmetry in financing for small and micro enterprises, generating precise initial evaluation results and creating dedicated financing files [5] - Dedicated consultants are assigned to follow up on issues identified during assessments, helping businesses develop and implement improvement plans [5] - This service model transitions financial services from passive responses to proactive support, ensuring that small and micro enterprises have clear guidance and solutions [5][9] Group 3: Impact and Results - As of the end of September, the bank reported an increase of over 1,600 small and micro enterprise loan accounts, totaling a loan balance of 4.213 billion [7] - The "consultant + assessment" model has led to visits to over 8,900 small and micro enterprises, significantly enhancing the coverage and accessibility of financial services [7] - The innovative service model effectively connects financial resources with private small and micro enterprises, contributing to their development and supporting the healthy growth of the private economy [9]