Chang Sha Wan Bao·2025-12-03 23:48Core Viewpoint - The article emphasizes the importance of supporting the real economy and highlights the efforts of China Merchants Bank's Changsha branch in providing comprehensive financial services to enterprises, particularly in cross-border financing and support for small and micro enterprises [1][2]. Group 1: Cross-Border Financing - China Merchants Bank's Changsha branch has established a cross-border comprehensive service system to support enterprises in overseas financing, cross-border settlement, and exchange rate risk management, resulting in a significant increase in cross-border loan balances by November 2025 [1] - The branch successfully arranged a 480 million RMB offshore syndicated loan for a green energy project in Kyrgyzstan, marking a breakthrough for Hunan enterprises in Central Asia [1] - The project exemplifies the bank's commitment to green finance and the Belt and Road Initiative, integrating ESG principles into its development strategy [2] Group 2: Support for Small and Micro Enterprises - As of November 2025, the bank's inclusive loan balance reached 15.5 billion RMB, with an annual growth rate of 11.8%, serving nearly 18,800 small and micro enterprises [4] - The bank has implemented innovative financing solutions, such as the "Chain Loan" service, which facilitated 3 million RMB in order financing for a small enterprise within one day, addressing cash flow issues [5] - The introduction of the "Science and Technology Talent Loan" in collaboration with Central South University allows for rapid online approval for innovative enterprises, enhancing the bank's support for technology-driven small businesses [5] Group 3: Digital Transformation - The bank is leading in digital transformation through self-developed technology, with products like "Salary Fortune" enhancing operational efficiency for large enterprises by integrating payment and data security features [8] - The "E-Catering" service has supported 396 enterprises and 307,000 employees in Changsha, demonstrating the bank's commitment to empowering small businesses through digital solutions [9] - A dedicated digital empowerment team of 35 members is focused on providing comprehensive support for enterprises' digital transformation needs [9] Group 4: Commitment to Sustainable Development - The bank's initiatives reflect a deep commitment to sustainable development, integrating green finance into its core operations and promoting the use of cross-border RMB [2] - The bank aims to align its strategies with national economic goals, emphasizing the importance of high-quality economic development and the role of financial services in achieving these objectives [9]