“小微易贷”为企业抢单投产按下“快进键”

Core Insights - The article highlights the success of Postal Savings Bank of China's Shenzhen branch in providing rapid financing solutions to small and micro enterprises through its "Xiao Wei Yi Dai" product, which has significantly improved the efficiency of loan approvals and disbursements [1][2]. Group 1: Product Features - "Xiao Wei Yi Dai" offers credit limits up to 10 million yuan, tailored to meet the large financing needs of enterprises for production expansion and equipment upgrades [2]. - The product supports various collateral options, including pledges, guarantees, and credit, ensuring accessibility for enterprises regardless of their collateral status [2]. - It features a loan term of "3+3 years" with a 5-year revolving credit limit, helping businesses avoid the pressure of short-term loans [2]. Group 2: Operational Efficiency - The digital risk control system allows for "one-click application" and instant credit issuance, addressing the financing bottlenecks faced by small and micro enterprises [2]. - The process has been streamlined to enable loan disbursement within three days, significantly reducing the time and effort required compared to traditional banking methods [1][2]. - The flexibility of the product includes options for on-demand borrowing and no principal repayment during the loan term, enhancing financial agility for businesses [2]. Group 3: Future Outlook - The Shenzhen branch of Postal Savings Bank plans to continuously upgrade the "Xiao Wei Yi Dai" service capabilities to provide more efficient and flexible financial support for small and micro enterprises [2]. - The initiative aims to empower businesses in seizing orders, expanding production, and pursuing development, thereby contributing to the high-quality growth of Shenzhen's real economy [2].