INDUSTRIAL BANK(SH:601166) Sou Hu Cai Jing·2025-11-06 06:45Group 1 - The article highlights the challenges faced by small and micro enterprises, particularly the issue of sudden order increases leading to cash flow shortages [1] - Xiamen Bank's rapid response in providing a 10 million yuan credit loan to a medical technology company demonstrates the effectiveness of their online loan product "Xing Su Dai" designed for small businesses [1] - Since the beginning of the year, Xiamen Bank has issued loans totaling 460 million yuan to over 130 local small and micro enterprises, aiding their market opportunities and stable development [1] Group 2 - Hydrogen energy is identified as a key component of the future national energy system and a strategic emerging industry in Xiamen's modern industrial framework [3] - Luyuan Hydrogen (Xiamen) Technology Co., Ltd. has developed over 80 core patents and achieved international leading technology in proton exchange membrane (PEM) hydrogen production equipment [3][5] - Xiamen Bank provided comprehensive financial support to Luyuan Hydrogen, including a 5 million yuan credit loan during its startup phase, facilitating its growth [3] Group 3 - As Luyuan Hydrogen expanded, Xiamen Bank approved a 40 million yuan credit limit for factory upgrades and research and development investments [4] - The company has established a production line with an annual capacity of 1 GW, corresponding to a production value of 2 billion yuan, positioning itself as a leading global hydrogen solution provider [5] - By the end of September, Xiamen Bank's technology finance loan balance exceeded 22 billion yuan, with over 7 billion yuan allocated to small technology enterprises [5] Group 4 - Xiamen Bank has launched personal operating loans for individual businesses, offering up to 1 million yuan without collateral, which has been well-received by small business owners [6] - The bank has also introduced a "Technology Talent Loan" service for high-level talents, providing credit loans up to 5 million yuan for entrepreneurial or technology transformation purposes [6] - By the end of September, Xiamen Bank had issued over 70 million yuan in personal operating loans, supporting the local economy [6] Group 5 - Xiamen Bank has developed a diverse range of inclusive financial products, including "Xing Su Dai," "Ke Xin Dai," and "Zeng Xin Dai," to meet the financing needs of small and micro enterprises [7] - The bank aims to create a high-quality development model for inclusive finance, effectively serving the local real economy and promoting the growth of inclusive finance [7]