11月25日，深圳金融监管局组织召开2025年第四场新闻发布会，会议介绍了深圳银行业保险业近期运行 情况，通报深圳银行业保险业稳外贸促消费有关工作举措和成效。 据深圳金融监管局统计处副处长王炜介绍，2025年1—10月，深圳银行业保险业整体平稳运行，着力做 好金融"五篇大文章"，更好服务高质量发展。 截至10月末，深圳金融监管局监管的银行业资产总额14.36万亿元，同比增长4.37%；负债总额13.97万 亿元，同比增长4.44%。各项贷款余额9.91万亿元，同比增长4.92%；各项存款余额10.00万亿元，同比 增长4.95%，资产、负债、存贷款规模均稳居全国大中城市第三位。 社会民生保障方面，1—10月，辖内保险业积累人身险及长期健康险责任准备金余额7580.97亿元，累计 赔付支出616.64亿元；截至10月末，深圳个人养老金开户599.3万户，累计缴存资金77.2亿元，位居全国 前列。 据深圳金融监管局副局长潘文波介绍，2025年，面对严峻复杂的外部环境，深圳金融监管局强化监管引 领，引导深圳银行业保险业为外贸企业稳健发展注入强劲金融动能。2025年前10个月，深圳全市中资银 行新发放外贸企业贷款76 ...

Core Viewpoint - The article discusses the challenges faced by small and micro foreign trade enterprises in China, including order fluctuations, exchange rate risks, and supply chain pressures, and highlights the innovative financial solutions being implemented to address these issues, particularly through the launch of the "Micro Trade Loan" product in Shenzhen [1][2]. Group 1: Challenges Faced by Small and Micro Enterprises - Small and micro foreign trade enterprises are experiencing difficulties in financing, characterized by high costs, slow processes, and risks associated with traditional financial services [2][3]. - The core pain point for these enterprises is information asymmetry, which hinders their ability to secure financing through traditional credit models [2][3]. Group 2: Innovative Financial Solutions - The "Micro Trade Loan" product is a collaborative effort involving WeBank, China Export-Import Bank, China Export & Credit Insurance Corporation, and the Shenzhen Southern Electronic Port, aimed at providing a digital, no-collateral credit solution for small and micro foreign trade enterprises [2][3]. - This product integrates data from various sources to enhance financial service efficiency and risk pricing, offering a one-stop service to address the financing challenges faced by these enterprises [2][4]. Group 3: Policy Support and Future Directions - Shenzhen's recent policies encourage financial institutions to enhance their support for foreign trade enterprises, with the "Micro Trade Loan" marking a significant step in addressing the financing difficulties of small and micro enterprises [3][4]. - Future plans include expanding data sources related to cross-border e-commerce and developing tools for exchange rate risk management to further assist small and micro foreign trade enterprises [5].

Core Viewpoint - The launch of "Micro Trade Loan" aims to provide online, unsecured credit products for small and micro foreign trade enterprises, addressing their funding gaps amid complex international trade conditions [1][2]. Group 1: Product Overview - "Micro Trade Loan" offers a minimum interest rate of 2.88% and a maximum credit limit of 10 million yuan [1]. - The product integrates the strengths of policy banks, digital banks, policy insurance, and government data platforms to enhance financial service efficiency and coverage [2]. Group 2: Challenges and Solutions - Financial institutions face three main challenges: ensuring policy bank funds reach needy enterprises, improving risk identification and services for small foreign trade enterprises, and better integrating export credit insurance with financing services [1][2]. - The Shenzhen Municipal Bureau of Commerce has developed a unified insurance policy for small and micro foreign trade enterprises, allowing those with export volumes below 8 million USD to apply for export credit insurance directly [2]. Group 3: Government Support - The Shenzhen Municipal Financial Committee emphasizes the need for financial institutions to increase support for foreign trade enterprises, aiming to alleviate issues related to financing difficulties, high costs, and slow processes [3].