Zhong Guo Jin Rong Xin Xi Wang·2025-10-30 02:58Core Viewpoint - The article emphasizes the role of small and micro enterprises as vital components of the national economy, highlighting the efforts of Zheshang Bank's Hefei branch in providing tailored financial services to support their development and address financing challenges [1]. Group 1: Service Approach - Zheshang Bank's Hefei branch adopts a proactive service model by engaging directly with small and micro enterprises, moving away from traditional methods of waiting for clients to approach [2]. - The bank integrates financial education into its services, addressing common risks faced by small enterprises, such as credit fraud and account security, to enhance their risk management capabilities [2]. Group 2: Innovative Financing Solutions - The bank has developed customized financing solutions for technology-driven small enterprises, focusing on their unique asset-light and technology-heavy characteristics [2]. - A specific case is highlighted where the bank provided a credit limit of 1 million yuan to Anhui Haoneng New Energy Technology Co., Ltd., based on revenue and tax credit rather than fixed asset evaluations, effectively addressing their financing challenges [2]. Group 3: Efficient Service Delivery - Zheshang Bank's Hefei branch has established an efficient service system that combines specialized teams, digital platforms, and streamlined processes to expedite financial support to enterprises [3]. - The bank was able to complete a credit assessment for Anhui Haoneng in just one working day and reduced the entire loan process to three working days, thereby addressing a critical funding gap for the company [3]. Group 4: Future Development Plans - The Hefei branch plans to continue enhancing its financial product offerings and service processes, leveraging digital technology to improve efficiency and expand service reach [4]. - The bank aims to provide comprehensive and diversified financial support to small and micro enterprises, contributing to high-quality regional economic development in Anhui province [4].