信心并肩 中信百信银行这样守护“微小而坚定”

Core Viewpoint - The article highlights the challenges faced by small and micro enterprises in China, particularly regarding financing difficulties, and emphasizes the importance of collaborative support from financial institutions, government, and media to empower these businesses [1][2]. Group 1: Challenges Faced by Small and Micro Enterprises - Small and micro enterprises are described as the "capillaries" of the economy, with their confidence contributing to the overall economic strength [2]. - Entrepreneurs like Tao Yong experience unstable customer flow and tight cash flow, reflecting the struggles of many small business owners [1]. Group 2: Collaborative Support Initiatives - The "Seeing a Hundred Directions of Confidence" public promotion plan initiated by Citic Baixin Bank aims to support small and micro enterprises through storytelling and media engagement [1][2]. - The collaboration involves government as a policy guide, Citic Baixin Bank providing tailored financial products, and media amplifying the stories of entrepreneurs [2][3]. Group 3: Financial Products and Innovations - Citic Baixin Bank offers products like the "Entrepreneur Guarantee Loan," which provides low-interest, collateral-free loans to small businesses, facilitating easier access to financing [2][3]. - The "Business Loan" product is designed for the unique cash flow characteristics of small enterprises, allowing flexible borrowing and repayment options [3][4]. Group 4: Digital Empowerment and Growth - The "Bailian System" is introduced as a digital solution that utilizes data and AI to assess creditworthiness without requiring collateral, enhancing the financing process for small businesses [3][4]. - As of Q3 2025, the balance of inclusive small micro loans reached 12.703 billion, reflecting a significant growth of 39.58% since the beginning of the year [4].