Core Insights - The article highlights the rapid response of Zhejiang Commercial Bank in providing a loan to a local seafood business, enabling its expansion during a peak sales season [1][2]. Group 1: Business Expansion - The seafood business, Xiaoyudian, has an annual sales revenue exceeding 50 million yuan and is expanding its operations by acquiring adjacent property to create a comprehensive wholesale and retail space [2]. - The business faced a funding gap of 1.6 million yuan for renovations, which was critical to complete before the peak sales season to avoid losing orders and to capitalize on a projected 30% sales growth [2]. Group 2: Financial Solutions - Traditional bank loans typically require at least two weeks for approval, which was a significant barrier for the business [2]. - The introduction of the "house collateral loan" product by Zhejiang Commercial Bank allowed for a rapid approval process, with funds disbursed within two days, significantly improving the business's cash flow situation [2][3]. Group 3: Government and Bank Collaboration - The collaboration between Zhejiang Commercial Bank and the local government facilitated a "green channel" for property registration, reducing the process from five days to under one day [3]. - The bank implemented a digital approval system that automated property valuation and data verification, streamlining the loan process for small businesses [3]. Group 4: Economic Impact - The bank has disbursed over 113 million yuan in "house collateral loans" in the Jining area, with an average approval time of 48 hours, demonstrating a commitment to supporting the local economy [4]. - The expansion of Xiaoyudian is expected to increase daily customer traffic by 40% during the National Day holiday, positively impacting local suppliers and the broader seafood market [4].