Core Viewpoint - The local financial institution, Songzi Rural Commercial Bank, is effectively supporting small and micro enterprises through innovative financing solutions, particularly the "E-Zhi Loan," which has significantly improved access to credit for businesses lacking collateral [1][2]. Group 1: Financial Innovation and Support - The "E-Zhi Loan" has been described as a timely support for enterprises, providing essential funding for development and demonstrating the responsibility of local financial institutions in aiding the real economy [1]. - A specific case involves a provincial high-tech enterprise in the limestone mining and processing sector, which faced funding shortages for raw material procurement due to a lack of collateral. The bank's branch tailored a credit solution and expedited the process through a "green channel" [1][2]. - The bank completed the loan process of 9.8 million yuan in just five working days, utilizing an "online application + offline verification" model, which allowed the company to accelerate its production capacity [2]. Group 2: Economic Impact and Job Creation - The project supported by the loan is expected to produce an annual output value exceeding 80 million yuan, with annual tax contributions surpassing 10 million yuan and creating job opportunities for nearly 100 people in surrounding villages [2]. - Over the past three years, the bank's branch has provided financing support exceeding 500 million yuan to over 1,000 small and micro enterprises, with a notable increase in the proportion of credit loans to 35% and an average approval time reduced to under five working days [2]. Group 3: Future Plans and Strategies - The bank plans to deepen collaboration among government, banks, and enterprises, expand the coverage of the "E-Zhi Loan," promote a "borrow and repay as needed" credit model, and implement interest rate discounts to enhance financial services for more market participants [3].