数字普惠金融新样本，中信百信银行以科技赋能小微企业

Core Insights - Small and micro enterprises (SMEs) are vital for economic vitality, but they face significant challenges such as lack of collateral, high financing costs, and slow loan processes [1][3] - In 2025, the government aims to implement policies to boost confidence and ensure financial resources are effectively directed to SMEs, addressing their operational needs [1][2] Group 1: Financial Support Initiatives - CITIC Baixin Bank has launched the "Entrepreneur Guarantee Loan" to address the financing difficulties faced by SMEs, particularly the issues of collateral and high costs [3] - The loan program allows SMEs to secure financing based on credit and tax data, eliminating the need for collateral, which has proven beneficial for many businesses [3] - As of Q3 2025, CITIC Baixin Bank's inclusive small and micro loans reached 12.703 billion yuan, reflecting a 39.58% increase from the beginning of the year [3][4] Group 2: Digital Financial Products - CITIC Baixin Bank has developed a fully online "Business Loan" product tailored to the operational rhythms of SMEs, allowing for quick access to funds without the need for extensive paperwork [5][6] - The "Business Loan" features flexible repayment options, including "borrow and repay as needed" and daily interest calculations, which align with the short-term, high-frequency funding needs of SMEs [5][6] Group 3: Ecosystem Development - The "See a Hundred Directions of Confidence" initiative, launched in collaboration with Xinhua News, aims to create a supportive ecosystem for SMEs by providing comprehensive resources, including policy alignment and brand promotion [7] - This initiative emphasizes the importance of not just financial support but also the need for SMEs to gain visibility and access to market opportunities [7]