Bei Jing Shang Bao·2025-11-17 13:06Core Insights - The article discusses the increasing financial service demands of small and micro enterprises in industrial parks, emphasizing the role of inclusive finance in empowering the real economy [1][2] - Zhejiang Commercial Bank's Beijing branch has developed an innovative "10+N" financial advisory service system to meet the diverse financial needs of industrial parks [1] Group 1: Financial Products and Services - The "10+N" system includes 10 loan products tailored for industrial parks, supplemented by various specialized services to achieve precise adaptation for each park [1] - The bank offers project construction loans for developers and integrates a "business + finance + investment" smart park platform for management [1] - For enterprises within the parks, the bank provides a comprehensive range of financing options, including mortgage and leasing loans for operational premises, renovation loans, working capital loans, and financing for equipment and raw material purchases [1] Group 2: Digital Transformation and Efficiency - The bank is enhancing service efficiency and customer experience through digital transformation, creating a "1+1+N" digital inclusive product system that includes "Digital Science Loan + Digital Easy Loan + Digital Projects" [2] - This transformation aims to upgrade credit services to be online and intelligent, adhering to the "one visit at most" principle, allowing businesses to complete the entire credit application, approval, and disbursement process online [2] - As a result of these initiatives, by the end of September 2025, the bank has served 30 industrial parks and over 460 enterprises, providing financing support exceeding 2.5 billion yuan [2]