Zhong Guo Jin Rong Xin Xi Wang·2025-11-27 08:02Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively implementing a financial-for-the-people philosophy by addressing the financing challenges faced by small and micro enterprises through mechanism optimization, model innovation, and product upgrades, significantly enhancing the quality and efficiency of its loan renewal services [1][2]. Group 1: Loan Renewal Services - The bank has established a proactive approach to loan renewal by creating a regular communication mechanism, ensuring that client managers visit businesses nearing loan maturity to assess their needs and develop personalized renewal plans [1]. - As of October 2025, the bank has facilitated over 800 small and micro enterprises with a total of nearly 1.5 billion yuan in no-repayment renewal loans, effectively alleviating cash flow issues for these businesses [1]. Group 2: Process Improvement - The bank has streamlined its services by creating a dual-channel approach (online and offline) for loan renewal applications, significantly improving response times through centralized backend reviews [2]. - A "green channel" for loan renewal approvals has been established to ensure rapid responses during critical financial periods for enterprises, thereby minimizing financing wait times and ensuring seamless transitions between old and new loans [2]. Group 3: Product Innovation - The bank has developed a diverse and scenario-based matrix of renewal products tailored to the short, frequent, and urgent financing needs of small and micro enterprises, leveraging financial technology [2]. - New online and automated products such as "New Generation Business Quick Loan," "Transaction e-Loan," "Merchant e-Loan," and "Agricultural e-Loan" have been promoted, enhancing the accessibility and flexibility of funds for businesses [2].