小微企业融资服务

Search documents
鄄城农商银行:创新机制精准滴灌,赋能小微企业高质量发展
Qi Lu Wan Bao Wang· 2025-05-20 07:10
Core Viewpoint - The company is actively supporting the development of small and micro enterprises through a comprehensive financial service system, demonstrating its commitment to local economic growth [1][6]. Group 1: Organizational Structure and Strategy - The company has established a "special team + visit" dual-driven system to enhance support for small and micro enterprises, with the chairman personally leading the initiative [2]. - A three-tiered work network has been created, involving the head office, line departments, and branch implementation, ensuring effective service delivery [2]. - The "thousand enterprises and ten thousand households visit" campaign has successfully engaged over 7,000 enterprises, resulting in credit issuance of 1.485 billion yuan to 3,483 business entities [1][2]. Group 2: Service Innovation and Technology - The company has developed tailored financial products such as "intellectual property pledge loans" and "Lu Ke loans" to address the financing challenges faced by technology-oriented enterprises, issuing loans totaling 24 million yuan [3]. - A digital transformation strategy has been implemented, combining online and offline services, which has reduced the average loan processing time to three working days [3]. - The company has utilized social media platforms for outreach, conducting over 820 promotional activities to guide enterprises in submitting financing needs [3]. Group 3: Policy Implementation and Financial Impact - The company has reduced interest expenses for small and micro enterprises by 3.58 million yuan through optimized pricing models and has facilitated loan renewals of 53 million yuan to alleviate repayment pressures [4]. - A diversified risk control system has been established, which includes a collaborative approach with provincial agricultural guarantees, resulting in the issuance of loans totaling 635 million yuan to 1,260 business entities [4]. Group 4: Future Outlook - The company plans to focus on product innovation, digital empowerment, and ecosystem building to enhance its service offerings for small and micro enterprises [5]. - Aiming to create a one-stop comprehensive financial service solution, the company will develop specialized financial products throughout the enterprise lifecycle [5]. - The establishment of a regular communication mechanism among government, banks, and enterprises is intended to foster a collaborative financial ecosystem [5].