2 1 Shi Ji Jing Ji Bao Dao·2025-12-05 01:09Core Insights - The article highlights the efforts of China CITIC Bank in supporting small and micro enterprises through a structured financing coordination mechanism, emphasizing the bank's commitment to serving the real economy and promoting high-quality development [1][6]. Group 1: Financing Mechanism and Growth - As of the end of October, CITIC Bank's small and micro enterprise loan balance reached 1.75 billion, an increase of over 84 billion since the beginning of the year [1]. - The balance of inclusive small and micro enterprise loans exceeded 630 billion, with a customer base of 310,000, reflecting a fourfold increase in balance and a threefold increase in customer numbers since the end of 2018 [1]. Group 2: Service Framework - CITIC Bank has established a service matrix based on the "Five Special and Five Strengthen" framework, ensuring a coordinated service system across its branches [2]. - The "Five Special" mechanism is led by the head office, focusing on specialized teams, tailored products, and dedicated policies, while the "Five Strengthen" focuses on execution at the branch level [2]. Group 3: Product Innovation - The bank has developed the "CITIC Easy Loan" digital product system to address the financing needs of small and micro enterprises, streamlining online approval processes [3]. - A case is presented where a construction company received a 5 million loan through the "Order e-loan" product, showcasing the bank's quick response to urgent financing needs [3]. Group 4: Support for Foreign Trade - CITIC Bank has set up a special working group to enhance financial services for small foreign trade enterprises, introducing the "Cross-border Flash Loan" product for automatic credit approval [4]. - Regional branches are actively creating cooperative ecosystems tailored to local characteristics, such as the Suzhou branch's rapid loan approval for a textile foreign trade company [4]. Group 5: Comprehensive Financial Services - The bank offers a comprehensive service model beyond credit, including the "Xiaotianyuan" enterprise financial management platform and collaboration with various financial entities within CITIC Group [5]. - The establishment of the "CITIC Equity Investment Alliance" aims to support technology innovation enterprises, managing over 320 billion in assets and investing in over 1,100 companies [5]. Group 6: Future Commitment - CITIC Bank plans to continue enhancing its financing coordination mechanism for small and micro enterprises, contributing to the high-quality development of the real economy [6].