融资“堵点”变“通途” 小微企业融资协调工作机制见“实”效

Core Insights - The financing challenges faced by small and micro enterprises are critical to their survival and the overall economic vitality, prompting the establishment of a coordination mechanism to address these issues [1][2] Group 1: Mechanism Establishment and Implementation - The small and micro enterprise financing coordination mechanism was established in October last year to tackle financing difficulties from both supply and demand sides [1][2] - Banks have adopted innovative strategies to enhance the efficiency of financial services, ensuring that low-cost credit flows more effectively to small and micro enterprises [1][2] - As of October 2025, the balance of small and micro enterprise loans in the banking sector reached 36.5 trillion yuan, reflecting a year-on-year growth of 12.1% [3] Group 2: Innovative Banking Practices - Citic Bank implemented a "Five Special, Five Strengthen" model to enhance service delivery, establishing a dedicated team and optimizing specialized products for small and micro enterprises [2] - By the end of October 2025, Citic Bank's small and micro enterprise loan balance reached 1.75 trillion yuan, an increase of over 84 billion yuan since the beginning of the year [2] - Guangfa Bank has visited over 150,000 small and micro enterprises, providing credit exceeding 140 billion yuan to 36,000 of them [2] Group 3: Digital Transformation in Financing - The digital transformation in banking has significantly improved the efficiency of financing for small and micro enterprises, allowing for quicker approvals and disbursements [4][5] - Citic Bank's "Order e-loan" product enabled a construction company to secure a 5 million yuan loan rapidly through an online process, showcasing the effectiveness of digital solutions [4] - Guangfa Bank's "Mall E-loan" product has provided over 3 billion yuan in loans to more than 500 small and micro enterprises, demonstrating the impact of tailored digital financial services [5] Group 4: Support for Cross-Border Trade - Banks are enhancing support for small and micro foreign trade enterprises by streamlining processes and reducing the time required for transactions [6][7] - Citic Bank has established a special task force to support small foreign trade enterprises, facilitating quicker access to financial services [6] - Huaxia Bank has developed customized financial service plans based on operational information for small export enterprises, aiding their participation in international trade [7]