微众银行“微业贷”助力超700万小微企业“开年第一贷”

Core Insights - Microbank has been a pioneer in digital inclusive finance since the launch of its online, unsecured working capital loan product "Micro Business Loan" in 2017, focusing on the financing needs of small and micro enterprises [1] - The bank has successfully extended its services to over 700 million enterprises, with a cumulative credit amount of 1.8 trillion yuan by the end of 2025, demonstrating the adaptability and scalability of its digital service model [1][2] Group 1: Service Focus and Client Profile - Nearly 100% of Micro Business Loan clients are private enterprises, with over 70% having annual revenues below 10 million yuan, indicating a focus on the most dynamic and financially needy segments of the economy [2] - By the end of 2025, the bank aims to further extend its services to individual businesses, having already provided credit to 330,000 individual business owners [2] Group 2: Digital Infrastructure and Policy Response - The success of Micro Business Loan is supported by a mature digital infrastructure, including a nationwide reach, automated big data risk control models, and an all-online rapid service process [3] - Following the establishment of a national coordination mechanism for supporting small and micro enterprise financing in October 2024, Microbank quickly formed a specialized working system to optimize processes and enhance service delivery [3] Group 3: Industry Focus and Financial Support - Microbank is committed to building a modern industrial system by focusing on supply chain finance and technology finance, providing credit support to small and micro enterprises in key sectors [4] - By the end of 2025, the bank's supply chain finance has collaborated with over 500 core enterprises, serving more than 860,000 upstream and downstream enterprises with a cumulative credit amount exceeding 460 billion yuan [4] Group 4: Technology Finance and Innovation - Since the launch of the Micro Business Loan for technology innovation in 2020, the bank has attracted over 670,000 technology enterprises, with a cumulative credit amount exceeding 400 billion yuan by the end of 2025 [5] - In Shenzhen, nearly half of the national high-tech enterprises have applied for this service, showcasing the deep integration of digital finance and technological innovation [5] Group 5: Collaborative Ecosystem and New Products - Microbank is transitioning from a digital-native bank to an "AI-native" bank, enhancing its digital capabilities to provide more precise solutions for diverse market entities [7] - The bank has launched the "Micro Trade Loan" product in collaboration with various partners to address the financing challenges faced by foreign trade small and micro enterprises, integrating policy funds, digital risk control, credit insurance, and trade data [7] Group 6: Support for Startups and Innovation - The bank has developed the "Technology Startup Pass" credit financing product in collaboration with Shenzhen Credit, effectively extending financial services to over 4,700 startups with a total loan amount exceeding 8.1 billion yuan [8] - Microbank remains committed to its inclusive finance mission, continuously deepening the integration of digital technology and financial services to support high-quality economic development [8]