Huan Qiu Wang·2026-01-20 05:23Core Viewpoint - The article highlights the proactive measures taken by Postal Savings Bank of China (PSBC) in Xuchang to enhance financial services for small and micro enterprises, particularly through the promotion of the "Science and Technology Loan" product to support business development and reduce financing costs [1] Group 1: Financial Support Initiatives - PSBC Xuchang branch is actively promoting the "Science and Technology Loan" to increase credit support for small and micro enterprises and lower their financing costs [1] - A local high-quality new materials enterprise faced a funding challenge due to an upcoming credit loan maturity and rising raw material prices, requiring 2 million yuan in working capital [1] - Upon learning of the enterprise's difficulties, PSBC Xuchang initiated a rapid response mechanism, sending a customer manager to conduct an on-site visit to assess the business situation [1] Group 2: Service Efficiency and Outcomes - After a thorough evaluation, the bank confirmed that the enterprise met the criteria for the "Science and Technology Loan" policy support [1] - The bank optimized the entire process to maximize service efficiency, completing all procedures within one week, resulting in a successful disbursement of 5 million yuan in credit loans [1] - This financial support not only enabled the enterprise to stock up on raw materials in a timely manner but also helped save on financing costs [1] Group 3: Commitment to Local Economic Development - PSBC Xuchang branch positions itself as a key player in supporting local economic development by adhering to the inclusive finance philosophy and addressing the financing challenges faced by small and micro enterprises [1] - The bank plans to continue optimizing the supply of "Science and Technology Loan" and other specialized products while deepening financial relief measures to assist local small and micro enterprises in achieving stable growth [1]