Xin Lang Cai Jing·2025-11-14 03:16Core Viewpoint - The "Belt and Road" initiative has positioned small and micro foreign trade enterprises as crucial players in connecting domestic and international dual circulation, yet they face challenges such as financing difficulties and long payment cycles due to fluctuating international conditions [1] Group 1: Financing Solutions - ICBC Qingdao Branch focuses on the characteristics of small and micro foreign trade enterprises, offering tailored financial solutions through "Cross-border Loans" to address their urgent financing needs [1][2] - The "Cross-border Loan" product is an online credit financing solution specifically designed for quality small and micro import-export enterprises, allowing for quick loan applications and approvals based on big data risk control [2][5] - A specific case highlighted a foreign trade company receiving a 3 million yuan "Cross-border Loan," which helped them resolve liquidity issues and stabilize their operations [2][5] Group 2: Support Services - The financial service plan includes not only the "Cross-border Loan" but also foreign exchange risk hedging tools, which help enterprises lock in exchange rates and reduce currency losses [5][7] - The integration of financing support with risk management services enhances the confidence of small and micro foreign trade enterprises, enabling them to expand their operations internationally [5][7] Group 3: Future Directions - ICBC Qingdao Branch plans to continue innovating inclusive financial products tailored to the short, small, frequent, and urgent financing needs of small and micro foreign trade enterprises [7] - The bank aims to deepen cooperation with government platforms and foreign trade associations to better identify and meet the needs of these enterprises, thereby supporting their global market expansion [7]