Zhong Guo Jin Rong Xin Xi Wang·2025-11-20 07:30Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is implementing innovative financial solutions to support the high-quality development of the spice and traditional Chinese medicine industry in Yulin, focusing on the Yulin Fuda International Spice Trading Center and Yulin Traditional Chinese Medicine Port [1][2] Group 1: Financial Initiatives - The bank has introduced three key measures: "mortgage + credit" increase, "transaction e-loan," and "merchant e-loan" to address financing difficulties for small and micro businesses [1] - By the end of October 2025, the loan balance for the spice and traditional Chinese medicine industry is expected to exceed 400 million yuan, injecting strong financial momentum into local特色产业 [1] Group 2: Market Engagement - The Yulin Fuda Spice Trading Center and Yulin Traditional Chinese Medicine Port are central to the industry, gathering numerous quality small and micro businesses, which are vital for industry vitality [1] - The bank's dual credit model enhances the overall credit scale by assessing the stability, credit history, and market prospects of existing clients, thus providing additional credit limits [1] Group 3: Product Offerings - The "merchant e-loan" offers up to 2 million yuan with no collateral and fully online processing, addressing the pain points of slow and difficult financing for merchants [2] - The "xingnong e-loan" product system is designed to cover the entire supply chain of the spice and traditional Chinese medicine industry, including "planting loans," "manufacturing loans," and "circulation service loans" [2] - This comprehensive financial service framework aims to create a symbiotic financial ecosystem for the industry, supporting various stages from planting to processing and distribution [2]