多措并举，畅通小微融资最后一公里

Core Viewpoint - Shanghai Bank Hangzhou Branch has effectively implemented a financing coordination mechanism for small and micro enterprises, addressing the challenges of financing difficulties and bank lending issues through innovative digital solutions [3][4]. Group 1: Financing Coordination Mechanism - The financing coordination mechanism was established in October last year by the National Financial Supervision Administration and the National Development and Reform Commission to tackle the financing challenges faced by small and micro enterprises [3]. - Shanghai Bank Hangzhou Branch has served over 2,000 small micro customers and provided credit exceeding 16 billion yuan within a year of the mechanism's operation [3]. Group 2: Digital Empowerment and Product Innovation - The bank has introduced a fully digital "Electric Ticket Guarantee" product to streamline the financing process for small and micro enterprises, transforming static bills into dynamic cash flow [3][4]. - The "Electric Ticket Guarantee" allows enterprises to submit application materials online and receive financing within two hours, significantly reducing the waiting time for funds [4][5]. Group 3: Electronic Guarantee and Efficiency Improvement - The bank has developed an electronic guarantee platform that reduces the time required to issue guarantees for bidding projects from three days to just 20 minutes, enhancing operational efficiency for small and micro enterprises [6][7]. - The platform has attracted 5,700 clients and processed over 6,000 electronic guarantee transactions, releasing 700 million yuan in guarantee funds [7]. Group 4: Future Outlook - Shanghai Bank Hangzhou Branch aims to continue its strategy of supporting small, agricultural, and technological enterprises, focusing on product innovation and service upgrades to drive economic growth in Zhejiang [7].