Core Viewpoint - Minsheng Bank is upgrading its service model for small and micro enterprises through four key areas: specialization, online standardization, comprehensive customer service, and proactive risk control [1][2]. Group 1: Service Model Upgrades - The bank is focusing on specialized upgrades to create core competitive advantages, targeting specific customer groups such as supply chain, technology innovation, and foreign trade parks, with 1,014 batch projects formed [1]. - By the end of 2025, the bank's small and micro credit plan has approved 1,257 loans amounting to 24.5 billion yuan [1]. Group 2: Online Standardization - Minsheng Bank has expanded its financing solutions to include foreign trade, private enterprises, and technology innovation small and micro enterprises, with over 100,000 customers signing up for its exclusive product, Minsheng Hui Credit Loan [1]. - The bank has launched a customized financial service plan called "Hive Plan," which has incubated 247 projects with loans exceeding 12.1 billion yuan [1]. Group 3: Comprehensive Customer Service - Utilizing the "Minsheng e-home" digital management platform, the bank supports the digital transformation of small and micro enterprises, achieving precise outreach in channel management and enhancing the use of digital marketing tools [2]. - By the end of 2025, the number of small and micro enterprises with average daily deposits exceeding 500,000 yuan has increased to 77,000, representing an 18.5% growth [2]. Group 4: Proactive Risk Control - The bank has established a comprehensive risk control system using digital methods, embedding risk identification, monitoring, and management throughout the business chain [2]. - By the end of 2025, the balance of inclusive small and micro enterprise loans reached 677.606 billion yuan, an increase of 14.888 billion yuan year-on-year, with a growth rate of 2.25% [2].