Nan Fang Du Shi Bao·2025-11-18 04:41Core Viewpoint - The article highlights the successful implementation of inclusive finance by China Construction Bank (CCB) in Guangdong Province, focusing on the cold chain and seafood wholesale markets, which has significantly improved financing access for small and micro enterprises [2][10]. Group 1: Financing Support for Cold Chain Enterprises - 15 small and micro cold chain enterprises in Zhanjiang have collectively received over 184 million yuan in loans, accelerating the local aquaculture industry's development [4]. - CCB's Zhanjiang branch identified common financing challenges faced by cold chain enterprises, including difficulties in regulation, valuation, and disposal of cold chain products [3]. - The launch of the "Shan Ying Loan (Ecological Chain) All-Online Procurement Platform Service Plan" aims to address these challenges by facilitating online loan applications and improving regulatory oversight [3][10]. Group 2: Revitalization of Traditional Markets - The seafood wholesale market on Yide Road in Guangzhou is experiencing revitalization due to CCB's inclusive financial services, which have injected vitality into the traditional business district [6][8]. - Business owners like Mr. Hou have benefited from CCB's responsive services, which include quick loan approvals and various financial products tailored to their needs [7][8]. - CCB's approach has transformed the financial landscape for local merchants, enabling them to access a range of services that support both personal and business financial needs [7][10]. Group 3: Innovative Financial Models - CCB's "Circle-Chain-Group" model represents a new paradigm in inclusive finance, focusing on ecosystem scenarios, supply chains, and customer clusters [10]. - The bank's strategy includes customizing financial products based on the unique characteristics of different customer groups, thereby enhancing service delivery to small and micro enterprises [10]. - This model signifies a shift from isolated financial solutions to a more integrated and sustainable approach to supporting small businesses, aligning with national policies aimed at promoting inclusive finance [10].