近年来，中信银行郑州分行立足河南区域经济特色，以普惠金融创新破解小微企业发展痛点，将金 融"活水"精准导入河南特色产业肌理，为河南省重大战略实施筑牢小微经济根基。 来源：环球网 在林州，该行依托"中国汽配铸件产业基地"推出"林州汽配贷"，为15家汽配企业投放7846万元，助推产 业链整体提升；在登封，该行依托"中国武校之都"首创"武脉传承贷"信用贷款产品，为6家武校提供 3000万元授信支持，弘扬少林武术，推动"文化+教育+产业"融合发展，服务乡村振兴大局。 此外，中信银行郑州分行从"产品驱动"升级为"场景化生态经营"，构建起"找客群－研行业－定方案－ 快落地"的全流程服务机制。通过分支行协同、绿色通道审批，实现金融资源精准直达、高效配置。 截至目前，该行普惠金融贷款今年累计投放已突破500亿元，惠及小微经营主体超2万余户。结合交易银 行、财富管理等综合金融服务，全面赋能企业经营全周期，进一步强化银企命运共同体，在服务地方发 展中彰显了中央驻豫金融机构的担当与作为。 面向未来，中信银行郑州分行将深度融入河南发展大局，以更前瞻的行业研究、更灵活的金融产品、更 智慧的服务体系，推动普惠金融扩面提质。 面对小微企业 ...

Core Insights - The central financial work conference emphasizes the importance of inclusive finance to support the development of small and micro enterprises [1][2] - China CITIC Bank Jinan Branch has launched a supply chain inclusive finance service plan to address the financing difficulties faced by small and micro enterprises in the medical supply chain [1] Group 1: Financial Services and Innovations - The bank's "Order e-loan + Credit e-chain" financing service effectively revitalizes accounts receivable for upstream suppliers, alleviating cash flow pressures for small suppliers [1] - As of September, the bank has provided 250 million yuan in funding to numerous hospital suppliers, serving over 100 enterprises [1] Group 2: Future Plans and Commitment - The bank plans to continue its commitment to serving the real economy by deepening innovations in inclusive finance and expanding the supply chain financial ecosystem [2] - The bank aims to assist more small and micro enterprises in achieving high-quality development, aligning with the "Ten Thousand Enterprises - Trust and Benefit Enterprises" initiative [2]

中信银行济南分行表示，未来将继续坚守金融服务实体经济初心，在深耕医疗供应链金融的基础上，持 续深化普惠金融创新、拓展供应链金融生态圈，积极践行"进万企-信服惠企"工作要求，助力更多小微 企业实现高质量发展，写好普惠金融大文章。 该行还通过"一企一策"服务方式，安排专人跟进对接企业需求，从业务开通到融资发放，全程指导客户 操作，及时响应和解决各类问题，以高效便捷的线上体验赢得了众多好评。截至9月，中信银行济南分 行已为多家医院的上游供应商提供资金2.5亿元、累计服务企业100余家。 中央金融工作会议指出，要做好普惠金融大文章，把更多金融资源用于促进中小微企业发展。中信银行 济南分行积极响应国家政策导向，在"中信易贷"供应链产品体系的支撑下，针对医疗供应链上游小微企 业融资难题，推出了供应链普惠金融服务方案，探索出一条金融服务实体经济的新路径。 随着医保支付改革与结算周期延长，医院普遍面临账期延长的资金压力，其上游的医疗器械、药品供应 商等小微企业也不免陷入应收账款积压、流动资金短缺的困局。中信银行济南分行聚焦"强场景、真普 惠"，针对济南市某二甲综合性医院上游供应商多、现汇付款压力大的情形，推出了"订单e贷+信 ...

融链对接座谈会上，中信银行济南分行聚焦碳基新材料产业企业需求作"中信易贷"系列特色产品解读，包括针对科技型企业的"科创e贷"、适配政府采购场 景的"政采e贷"、依托票据资源的"票据e贷"，以及满足企业固定资产融资需求的"房抵e贷"等产品，帮助在场企业代表"知政策、懂产品、会使用、享红利"。 该行还明确提出将为碳基新材料产业"链主"企业及产业链上小微企业提供全生命周期金融服务——从生产备货、技术研发到市场拓展，全方位解决企业融资 难、融资慢、融资贵问题，助力产业链上下游企业协同发展。 近日，由山东省工业和信息文化厅主办，山东省大中小企业融通创新联合会、德州市工业和信息化局、临邑县人民政府承办，临邑县工业和信息化局协办 的"山东省'十链百群万企'碳基新材料产业融链固链对接会"顺利举办，全省50余家碳基新材料重点企业参会。中信银行济南分行受邀参会，通过实地调研、 产品宣讲、互动答疑等形式，深度对接碳基新材料产业金融需求，为产业链上下游企业送上定制化普惠金融服务方案。 深入"链主"挖掘企业需求 活动当天，在山东省工信厅的带领下，中信银行济南分行走进临邑县四家碳基新材料产业"链主企业"，详细了解企业生产经营状况、产业链 ...

Core Insights - Inclusive finance is a key area for financial services to support the real economy, as emphasized by the Central Financial Work Conference [1] - CITIC Bank Shenzhen Branch has actively implemented national policies to enhance financing for small and micro enterprises, achieving significant growth in inclusive loans [2][8] Group 1: Financing Mechanisms - CITIC Bank Shenzhen Branch has established a coordination mechanism to streamline financing for small and micro enterprises, integrating resources and focusing on key sectors [2] - The branch has issued over 70 billion yuan in loans to inclusive small and micro enterprises, covering various sectors such as foreign trade and technology [2] Group 2: Product Innovation - CITIC Bank has launched over 20 specialized products to improve financing accessibility and satisfaction for small and micro enterprises [3] - The bank has developed a range of scenario-based credit loan products tailored to the diverse needs of small and micro enterprises, enhancing coverage and adaptability [3] Group 3: Case Studies - A small agricultural company received nearly 5 million yuan in financing through the "Government Procurement Framework Model" within five days, alleviating financial pressure [4] - The "Cross-Border Flash Loan" product has enabled a machinery company to secure 500,000 yuan in financing quickly, addressing liquidity needs without collateral [5][6] Group 4: Supply Chain Financing - The "CITIC Easy Loan" product system supports small and micro enterprises across various scenarios, significantly reducing financing time costs [7] - The bank has successfully implemented financing solutions for small suppliers of a leading LED company, enhancing both supplier liquidity and core enterprise efficiency [7] Group 5: Future Outlook - CITIC Bank Shenzhen Branch aims to continue enhancing its inclusive finance services through innovative products and precise services, contributing to the high-quality economic development of the Shenzhen region [8]

Core Viewpoint - The Central Financial Work Conference emphasizes the need for finance to provide high-quality services for economic and social development, particularly by allocating more financial resources to support the growth of small and micro enterprises, thereby enhancing inclusive finance [1] Group 1: Development of Inclusive Finance - Since the establishment of the Inclusive Finance Department in 2018, the balance of inclusive finance loans at CITIC Bank has increased from 130 billion to 530 billion, with the number of borrowers rising from 80,000 to 270,000, while maintaining stable asset quality [1] - CITIC Bank has implemented a management innovation strategy to enhance the political and people-oriented nature of financial work, contributing to alleviating the financing difficulties faced by small and micro enterprises [1] Group 2: Management and Service Enhancement - CITIC Bank has formed a leadership group for inclusive finance, led by the Chairman, to innovate a unique management model that enhances the efficiency and professionalism of inclusive finance services [2] - The bank has established a centralized operational management platform for inclusive finance, focusing on risk management and professional teams to improve service capabilities [2] Group 3: Product Innovation and Development - CITIC Bank has introduced a "duty exemption" approach to encourage product development, establishing a product innovation factory that includes over 20 standardized products [3] - The bank has developed various loan products targeting supply chain finance and key industries, such as "Order e-loan" and "Innovation e-loan," which provide quick online credit loans to small and micro enterprises [3] Group 4: Intelligent Management and Risk Control - CITIC Bank is leveraging digital technologies to create a comprehensive risk control platform that enhances the precision of inclusive finance services [4] - The bank's intelligent risk warning system has achieved over 80% accuracy in risk prediction and over 90% automation in inspections, marking a shift from manual to intelligent risk management [4] - Future plans include further enhancing inclusive finance service capabilities in alignment with national policies and regulatory guidance [4]

Core Viewpoint - China CITIC Bank Zhengzhou Branch actively supports small and micro enterprises (SMEs) in response to national policies, enhancing financing coordination mechanisms to drive regional economic development [1][2]. Group 1: Financing Support for SMEs - As of March 2025, China CITIC Bank Zhengzhou Branch has provided credit to 8,175 SMEs, totaling 11.9 billion yuan in credit and 10.8 billion yuan in loans, demonstrating effective implementation of financing coordination mechanisms [1]. - The bank established a dedicated task force led by top management to ensure efficient response and precise service for SMEs, with all eight secondary branches and 82 outlets participating [1][2]. - A specific case highlighted the bank's quick response, where a wood door company in Xinyang received a 2 million yuan credit loan within three days to alleviate financial difficulties [1]. Group 2: Innovative Financial Solutions - The bank emphasizes innovation by tailoring financial solutions for SMEs, implementing a "Five Special, Five Strengthen" model to address diverse needs across different industries [2]. - Financial product innovations reflect the bank's deep understanding of SMEs' financial requirements, transitioning from merely providing funds to fostering sustainable financial growth [2]. - The bank conducts extensive outreach through the "Thousand Enterprises, Ten Thousand Households" initiative, delivering inclusive financial policies directly to enterprises and industrial parks [2]. Group 3: Future Directions - Moving forward, China CITIC Bank Zhengzhou Branch plans to enhance the financing coordination mechanism, improve response times, and expand service offerings, leveraging financial technology to empower SMEs [3].