21世纪经济报道·2025-12-02 14:45Core Insights - The article highlights the launch of the "Business Circle Huidai" product by Bank of Communications, aimed at enhancing financial services for small and micro enterprises and individual business owners across various regions in China [1][5][6] - The initiative is part of a broader strategy to create a more efficient and precise financial ecosystem through collaboration among government, enterprises, and banks [1][7] Product Overview - "Business Circle Huidai" is a personal credit loan product tailored for quality business circles and professional markets, allowing online applications and leveraging digital capabilities to assess creditworthiness [5][6] - The product features a maximum credit limit of 5 million yuan, with flexible repayment options and a fully online process, enabling rapid approval and disbursement [5][6] Strategic Partnerships - The Bank of Communications signed a cooperation memorandum with seven key business circle management units from Zhejiang, Jiangsu, Guangdong, and Hunan provinces, laying a solid foundation for activating the economic potential of major business circles [1][7] - This collaboration signifies a shift from single-point empowerment to a multi-dimensional ecosystem, enhancing the bank's financial services [7] Digital Transformation - The product system includes a "3+2N" structure, focusing on three core products: online mortgage loans, Huishang loans, and Huinong loans, with additional customized products for specific market scenarios [3][4] - The digital risk control mechanism transforms transaction records into "credit assets," addressing information asymmetry between banks and small micro clients [6] Market Coverage - The financial service system has reached over 270 market circles nationwide, covering various industries such as clothing, agricultural trade, cold chain, and food [7] - The bank aims to foster a symbiotic ecosystem among finance, market operators, and merchants, contributing to the high-quality development of the real economy [7]