兴业银行宁波分行：创新普惠金融服务体系 精准滴灌小微企业

Core Viewpoint - The Ningbo branch of Industrial Bank is innovating its mechanisms to create a comprehensive inclusive financial service system that covers the entire lifecycle of small and micro enterprises, acting as a "financial capillary" for local economies [1] Group 1: Mechanism Innovation - The bank has established a financing coordination task force led by the branch president to ensure closed-loop management from organizational support, resource allocation to process optimization [2] - Implementation of a due diligence exemption system and increased support for first-time borrowers and credit loans has created a long-term mechanism that encourages lending [2] - The introduction of a "financial commissioner" system allows dedicated teams to proactively engage with the market, addressing the issue of information asymmetry between banks and enterprises [2] Group 2: Product Innovation - To address the "short, small, frequent, and urgent" funding needs of small and micro enterprises, the bank has launched a diversified online product matrix [3] - The "Xing Su Loan (Bill Exclusive)" product provided an agricultural leading enterprise in Xiangshan with a credit support of 80 million yuan to enhance processing capabilities and integrate the industrial chain [3] - The "Xing Su Loan (Park Exclusive)" product has streamlined the application, approval, and disbursement process to within three working days, enabling a clothing company in Ningbo to secure a loan of 5 million yuan quickly [3] Group 3: Efficiency Improvement - The establishment of a centralized operation center for zero-loan credit business has standardized and centralized the management process, creating a green approval channel for small and micro enterprises [4] - The optimization of the entire process from application to disbursement has significantly improved the accessibility and satisfaction of financial services for enterprises [4] - The bank aims to continue using innovation as a driving force to make inclusive finance a true "booster" for the growth of small and micro enterprises [4]