Zhong Guo Jin Rong Xin Xi Wang·2025-10-28 11:39Core Insights - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is committed to supporting the real economy by focusing on the development needs of new productivity in Beihai and enhancing financial support for technology-driven small and medium-sized enterprises (SMEs) [1][2] Group 1: Financial Support Initiatives - ICBC Beihai Branch issued its first national-level "specialized, refined, distinctive, and innovative" enterprise pure credit loan of 2.5 million yuan in August 2025, addressing the funding needs of technology enterprises [1] - As of the end of September 2025, the loan balance for specialized and innovative enterprises increased by 7.4% compared to the beginning of the year, while loans for strategic emerging industries exceeded 3.4 billion yuan, with a net increase of over 750 million yuan, reflecting a growth rate of 28% [1] Group 2: Innovative Financing Products - The "Kechuang e-loan" product was launched to address the financing difficulties faced by technology-driven SMEs, offering a simplified service model that includes quick application, intelligent approval, and convenient access [2] - By the end of September 2025, the loan balance for "Kechuang e-loan" increased by 378% compared to the beginning of the year, providing an efficient financing channel for technology-driven SMEs [2] Group 3: Comprehensive Service Mechanism - ICBC Beihai Branch established a specialized database for technology innovation enterprises, implementing a refined management approach and creating a multi-dimensional financing service system [2] - The bank aims to support the entire lifecycle financing needs of technology enterprises, from startup to growth, by matching appropriate products like "Kechuang e-loan" and enhancing collaboration with industrial park management [2][3] Group 4: Future Outlook - ICBC Beihai Branch plans to continue deepening its focus on technology finance and improving its service system to provide more precise and efficient financial services, contributing to the innovative development of the regional economy [3]