Core Viewpoint - Huishang Bank is transforming its inclusive finance approach into a "quality improvement and efficiency enhancement" 2.0 era through digital and intelligent transformation, addressing traditional financing challenges for small and micro enterprises [1] Group 1: Digital Transformation and Product Innovation - The bank has launched products like "Fund Flow e-Loan" and "Online No-Repayment Renewal Loan for Small Enterprises," utilizing big data and AI to tackle information asymmetry in financing for small businesses [1][5] - As of September 2025, the bank's inclusive loans for small and micro enterprises exceeded 170 billion yuan, supporting over 380,000 businesses, with average interest rates for new loans declining for three consecutive years [3][4] Group 2: Case Study and Implementation - A case study highlights a metal pipe company that received a 5 million yuan "Fund Flow e-Loan" through a comprehensive service process initiated by Huishang Bank, showcasing the bank's proactive approach to client needs [4][6] - The "Fund Flow e-Loan" product integrates data from the national credit information sharing platform, enhancing credit assessment and risk management through a four-dimensional model [5][6] Group 3: Recognition and Impact - Since its launch in June 2025, the "Fund Flow e-Loan" has disbursed over 100 million yuan and received the "New Service New Momentum Pioneer Case" award, establishing Huishang Bank as a benchmark in the industry for addressing financing challenges [7][8] - The bank's initiatives align with national policies aimed at enhancing credit supply to small and micro enterprises, reflecting a shift from being mere fund providers to becoming growth partners [8][9] Group 4: Future Directions - Huishang Bank aims to enhance its digital capabilities, promote comprehensive services, and implement strategic initiatives to support the high-quality development of inclusive finance [9]
徽商银行：以数智化破解融资难题，做小微企业成长的伙伴