激活“毛细血管” 中信百信银行深耕普惠金融“信心”八载记

Core Insights - The article highlights the challenges faced by small and micro enterprises in China, particularly in accessing financing, and emphasizes the importance of supporting their confidence and growth [1][2]. Group 1: Support for Small and Micro Enterprises - The "Seeing a Hundred Directions of Confidence" initiative by Citic Baixin Bank aims to support small and micro enterprises by telling their stories and providing financial assistance [1][2]. - The collaboration between government, banks, and media is crucial in providing tailored financial solutions and resources to small businesses, addressing issues like collateral difficulties [2][3]. Group 2: Financial Products and Innovations - Citic Baixin Bank offers innovative financial products such as the "Entrepreneur Guarantee Loan," which provides low-interest, collateral-free loans to small businesses [2][3]. - The "Business Loan" product is designed for the unique cash flow needs of small enterprises, allowing for flexible borrowing and repayment terms [3][4]. Group 3: Digital Transformation and Growth - The bank has developed the "Bailian System," a digital solution that utilizes data and AI to assess creditworthiness without requiring collateral, thus enhancing access to financing for small businesses [3][4]. - As of the end of Q3 2025, the balance of inclusive small micro loans reached 12.703 billion, reflecting a significant year-to-date growth of 39.58% [4].