券商中国·2025-12-09 11:13Core Viewpoint - The article emphasizes the importance of the private economy as a vital source of vitality for China's economic development, highlighting the role of financial institutions like Bank of Communications in supporting and nurturing this sector through innovative financial services and products [1]. Group 1: Support for Private Enterprises - Bank of Communications addresses the funding challenges faced by private small and micro enterprises by optimizing services like "no repayment renewal" loans, enhancing approval processes, and upgrading risk control models, significantly improving service coverage [2]. - The bank has developed a dynamic assessment system powered by big data, allowing credit limits for stable and promising private small and micro enterprises to be raised to 20 million yuan, injecting more growth potential into these businesses [2]. Group 2: Online Financing Solutions - The bank has established an efficient online comprehensive credit service system, enabling enterprises to complete financing operations from application to withdrawal online, with nearly 50% coverage of online loans for private small and micro enterprises [3]. - By collaborating with core enterprises in various industries, the bank extends financial services along the supply chain, effectively activating the "capillary" of the real economy [3]. Group 3: Focus on Technological Innovation - The private economy hosts over 80% of specialized "little giant" enterprises and more than 92% of national high-tech enterprises, making it a fertile ground for technological innovation [4]. - The bank has developed a "1+N" evaluation model for technology enterprises, transforming innovation capabilities into financing capabilities [4]. Group 4: Diverse Financial Products - The bank offers a wide range of financial products, including "Talent Loan" providing up to 10 million yuan in unsecured loans and "Science and Technology Quick Loan" that utilizes multiple data dimensions for efficient financing support [5]. - The bank has established a comprehensive financing support system integrating equity, debt, and leasing, serving the diverse needs of private enterprises [5]. Group 5: Cross-Border Financing Support - In the context of global supply chain restructuring, the bank provides comprehensive cross-border financial services, including cross-border fund transfers, trade financing, and foreign exchange risk management, to support private enterprises in their global expansion [7]. - The bank has developed an account service system that simplifies cross-border financing issues for enterprises, enhancing the efficiency of cross-border fund allocation [8]. Group 6: Collaborative Growth with Private Enterprises - The bank has shifted its role from merely providing funds to becoming a partner in the growth of private enterprises, offering customized growth plans and engaging in regular communication with various stakeholders [9]. - The bank has conducted numerous activities to connect with private enterprises, providing policy guidance, project promotion, and financing matchmaking services, significantly increasing its support for high-tech private enterprises [10].