Mei Ri Jing Ji Xin Wen·2025-12-08 13:38Core Viewpoint - The article emphasizes the importance of the private economy in China's economic development and highlights the role of financial institutions, particularly Bank of Communications, in supporting and nurturing this sector through innovative financial services and products [1]. Group 1: Support for Private Enterprises - The Bank of Communications addresses the funding challenges faced by private small and micro enterprises by optimizing services like "no repayment renewal" loans, enhancing approval processes, and upgrading risk control models to facilitate seamless funding transitions [2][3]. - The bank has developed a dynamic credit assessment system using big data, allowing credit limits for stable and promising private small and micro enterprises to reach up to 20 million yuan [2]. Group 2: Online Financing Solutions - The bank has established an efficient online comprehensive credit service system, enabling enterprises to complete financing operations from application to withdrawal without physical presence, with nearly 50% coverage of online loans for private small and micro enterprises [3]. - The bank's collaboration with core enterprises in various industries, such as agriculture, has led to innovative financing solutions that streamline the loan application process for farmers [3]. Group 3: Focus on Technological Innovation - The Bank of Communications has created a proprietary evaluation model for technology-based enterprises, transforming their innovation capabilities into financing power, with products like "Talent Loan" offering up to 10 million yuan in unsecured loans [4]. - The bank has tailored 26 regional specialty products to support the unique funding needs of technology-driven private enterprises during their transformation and upgrading phases [4]. Group 4: Comprehensive Financial Services - The bank has built a financing support system encompassing equity investment, debt financing, leasing, and asset management, with a bond investment scale nearing 50 billion yuan as of Q3 this year [5]. - The bank's equity investment strategy focuses on early-stage and small investments, with individual investment limits reaching 5 million yuan [5]. Group 5: Cross-Border Financing Support - The Bank of Communications provides comprehensive cross-border financial services for private enterprises looking to expand internationally, including cross-border fund transfers, trade financing, and foreign exchange risk management [6]. - The bank has developed a platform to assist enterprises in overcoming logistical and financial challenges associated with international operations, enhancing overall operational efficiency [7]. Group 6: Collaborative Growth with Private Enterprises - The bank has shifted its role from merely providing funds to becoming a strategic partner for private enterprises, offering customized growth plans that encompass supply chain finance and market expansion strategies [8]. - The bank actively engages with various stakeholders, including government and industry associations, to better align its services with the needs of private enterprises [9]. Group 7: Commitment to High-Quality Development - The Bank of Communications has initiated numerous actions to enhance its financial service system, significantly increasing its credit balance for high-tech private enterprises by 24% since the beginning of the year [9]. - The bank aims to continue fostering innovation and supporting the resilient growth of private enterprises as part of its commitment to high-quality economic development [9].