Core Viewpoint - The collaboration between Xincheng Ceramics and Postal Savings Bank exemplifies how financial support can help small and medium-sized enterprises (SMEs) overcome challenges and contribute to local economic development [1][3]. Group 1: Company Overview - Xincheng Ceramics is the largest and most diverse ceramic wine bottle manufacturer in China, holding a 30% market share in the mid-to-high-end ceramic wine bottle segment [1]. - The company is currently ramping up production to ensure stable supply for the upcoming Spring Festival [1]. Group 2: Financial Support and Innovations - In 2016, Xincheng Ceramics faced financial pressure due to credit reductions from other banks, but Postal Savings Bank quickly responded by offering a "collective factory mortgage loan" of 10 million yuan to alleviate financing difficulties [1][2]. - In 2021, the company initiated an expansion plan for a smart manufacturing factory, and Postal Savings Bank provided 23 million yuan in credit using an innovative "Sci-Tech Loan + collective factory mortgage" model [2]. - By 2025, the credit limit for Xincheng Ceramics was increased to 64 million yuan, along with additional services such as a 60 million yuan annual discounting service and a dedicated payroll system [2]. Group 3: Industry Impact - The collaboration between Postal Savings Bank and Xincheng Ceramics serves as a financial model for the development of the ceramics industry in Liling, with the local ceramics industry achieving an annual output value exceeding 70 billion yuan [3]. - Over the past three years, Postal Savings Bank has provided more than 2.5 billion yuan in loans to ceramic enterprises, addressing funding challenges in procurement, research and development, and technological upgrades [3]. - The bank's focus on regional characteristics and support for SMEs has contributed to the growth and transformation of local industries, showcasing the role of financial institutions in driving economic development [3].