Core Insights - The article emphasizes the importance of small and micro enterprises as vital components of the market economy and regional economic development, highlighting their persistent challenges in financing [2][11] - Suzhou's Construction Bank has innovatively shifted its financial service model to a "circle-chain-group" approach, effectively addressing the financing needs of various small and micro enterprises [2][11] Group 1: Financing Challenges and Solutions - Small and micro enterprises in Suzhou face significant financing difficulties, including high costs and slow access to funds, which hinder their growth [2][11] - Suzhou Construction Bank has served over 57,000 clients with inclusive loans, achieving a loan balance exceeding 100 billion yuan by October 2025 [2][10] - The bank's approach includes evaluating the future potential of enterprises rather than solely relying on past financial statements, thus facilitating loans for technology-driven companies without traditional collateral [4][5] Group 2: Innovative Financial Products - The "Open Business Upgrade Loan" allows the bank to assess non-financial indicators such as technology potential and team quality, enabling support for companies in different lifecycle stages [4][5] - The "Factory Quick Loan" product has been designed to help manufacturing companies unlock capital tied up in fixed assets, with nearly 1,400 enterprises served and a total loan amount exceeding 27 billion yuan [9][10] Group 3: Ecosystem and Collaborative Financing - The "circle-chain-group" strategy integrates small and micro enterprises into a cohesive ecosystem, enhancing customer identification and risk management [11][12] - By collaborating with industrial park management, the bank can better understand the financing needs of enterprises, leading to tailored financial products that improve service efficiency [5][11] - This model not only addresses financing challenges but also supports regional industrial upgrades and sustainable business development [12]

湛江水产市场15家冷链小微企业批量获得超1.84亿元的贷款，当地水产业前行步伐提速；广州市一德路 海味批发市场多家商户通过粤兴贷、经营信用快贷等破解了资金周转难题，老商圈升腾起绵长的烟火 气。 这些鲜活案例，共同勾勒出建行广东省分行以"圈链群"模式深耕普惠金融的生动图景。通过"一客群一 方案"的精准服务，该行将普惠金融注入产业链的每个环节，化作商户指尖的一泓清泉、市场升级的一 渠活水，成为激活整个产业链集群发展的关键动能。 聚焦水产客群融资难题 用数字化手段打破壁垒 "每到快过年时，水产品的需求量激增，就想着提前准备更多货物，迎接'肥年'的到来，可无奈之前卖 出去的货物回款慢，手头资金紧张就打消了这个念头。" 当建行湛江市分行客户经理小李走进湛江一水产品贸易公司时，老板陈先生正在为资金紧张发愁。据陈 先生介绍，他的生意还不错，业务量也比较可观，但扩大生产需要一定的资金支持。"我们生产的全是 冻品，不满足银行抵押贷款的条件，贷款对我们来说真的很难。"陈先生苦恼地说道。 原来，由于冷链水产货物对储存条件要求苛刻，且行业管理模式传统，银行难以对水产货物进行有效监 管和精准估值，使得陈老板的贷款申请一次又一次地碰壁。 ...