Xin Lang Cai Jing·2025-12-03 07:30Core Insights - The article emphasizes the importance of small and micro enterprises as vital components of the market economy and regional economic development, highlighting their persistent challenges in financing [2][11] - Suzhou's Construction Bank has innovatively shifted its financial service model to a "circle-chain-group" approach, effectively addressing the financing needs of various small and micro enterprises [2][11] Group 1: Financing Challenges and Solutions - Small and micro enterprises in Suzhou face significant financing difficulties, including high costs and slow access to funds, which hinder their growth [2][11] - Suzhou Construction Bank has served over 57,000 clients with inclusive loans, achieving a loan balance exceeding 100 billion yuan by October 2025 [2][10] - The bank's approach includes evaluating the future potential of enterprises rather than solely relying on past financial statements, thus facilitating loans for technology-driven companies without traditional collateral [4][5] Group 2: Innovative Financial Products - The "Open Business Upgrade Loan" allows the bank to assess non-financial indicators such as technology potential and team quality, enabling support for companies in different lifecycle stages [4][5] - The "Factory Quick Loan" product has been designed to help manufacturing companies unlock capital tied up in fixed assets, with nearly 1,400 enterprises served and a total loan amount exceeding 27 billion yuan [9][10] Group 3: Ecosystem and Collaborative Financing - The "circle-chain-group" strategy integrates small and micro enterprises into a cohesive ecosystem, enhancing customer identification and risk management [11][12] - By collaborating with industrial park management, the bank can better understand the financing needs of enterprises, leading to tailored financial products that improve service efficiency [5][11] - This model not only addresses financing challenges but also supports regional industrial upgrades and sustainable business development [12]