对于千万家小微企业而言，融资难题往往如同一道"拦路虎"——缺乏合格抵押物的初创企业如何获得启 动资金？身处外贸赛道的小微企业怎样突破资金周转瓶颈"乘风破浪"？面对信贷产品材料繁杂、审批流 程漫长的现状，企业该如何快速拿到"救命钱"？ 广发银行通过资源倾斜与机制创新筑牢保障，为普惠金融足额配置贷款额度，内部资金转移价格较其他 类型优惠80个基点，并完善尽职免责机制，免除一线客户经理的后顾之忧。截至2025年10月末，广发银 行累计走访小微企业超15万户，为其中的3.6万户小微企业授信超1400亿元。 兴业银行成立总分行工作专班，并组建超1900人的"金融特派员"队伍，开展"千企万户大走访"行动。自 支持小微企业融资协调工作机制建立以来，兴业银行累计为7.8万户小微企业发放贷款超4800亿元。 华夏银行则由董事长挂帅成立专班，配套出台专项工作方案，从组织保障、数字赋能、激励约束、尽职 免责等多个维度确保小微企业融资协调工作机制高效运转。截至2025年6月末，该行已为融资协调机制 清单内1.41万户市场主体投放贷款1211亿元。 机制赋能下，银行业服务覆盖面与融资效率显著提升。数据显示，2025年三季度末，银行业金 ...

对于千万家小微企业而言，融资难题往往如同一道"拦路虎"——缺乏合格抵押物的初创企业如何获 得启动资金？身处外贸赛道的小微企业怎样突破资金周转瓶颈"乘风破浪"？面对信贷产品材料繁杂、审 批流程漫长的现状，企业该如何快速拿到"救命钱"？ 这些直击痛点的问题，不仅关乎小微企业的生存发展，更牵动着经济活力的脉搏。 为破解小微企业融资"急难愁盼"，引导银行信贷资金精准高效直达市场主体，去年10月，金融监管 总局、国家发展改革委联合相关部门建立了支持小微企业融资协调工作机制，从供需两端发力，统筹解 决小微企业融资难和银行放贷难的问题。 华夏银行则由董事长挂帅成立专班，配套出台专项工作方案，从组织保障、数字赋能、激励约束、 尽职免责等多个维度确保小微企业融资协调工作机制高效运转。截至2025年6月末，该行已为融资协调 机制清单内1.41万户市场主体投放贷款1211亿元。 机制赋能下，银行业服务覆盖面与融资效率显著提升。数据显示，2025年三季度末，银行业金融机 构普惠型小微企业贷款余额达36.5万亿元，同比增长12.1%。 数字突围：从"跑断腿"到"指尖点" "短、小、频、急"的融资需求，曾让小微企业深陷"材料堆里打转、审 ...

针对小微企业"短、小、频、急"的融资特点，中信银行持续打造"中信易贷"数字化产品体系，涵盖多重 场景的标准化产品，并持续迭代线上化审批流程。同时，在配套政策方面，中信银行持续夯实普惠小微 授信授权审批体系，加强审批绿色通道支持，扩大尽职免责适用范围及场景，推广无还本续贷服务，确 保企业"应续尽续"。 在工作机制落地过程中，中信银行还推出"小天元"企业财资数智化管理平台。同时，中信银行联动证 券、信托、保险、基金等兄弟公司，为企业打造"股债贷保"一体化综合金融和产融对接服务生态。 编辑：刘润榕 新华财经北京12月5日电（记者吴丛司）记者5日从中信银行获悉，截至10月末，中信银行小微企业贷款 余额达1.75万亿元，较年初增长超840亿元。其中，普惠型小微企业贷款余额超6300亿元，客户数达31 万户。 中信银行有关负责人表示，自支持小微企业融资协调工作机制建立以来，中信银行通过"五专五强化"工 作模式，系统化推动工作机制落地、落实、落细，服务更多的小微企业发展壮大。 ...

自支持小微企业融资协调工作机制建立以来，中信银行（601998）践行金融工作的政治性、人民性，通 过"五专五强化"工作模式，系统化推动工作机制落地、落实、落细，服务更多的小微企业发展壮大，助 力实体经济高质量发展。截至10月末，中信银行小微企业贷款余额达1.75亿元，较年初增长超840亿 元。其中，普惠型小微企业贷款余额超6300亿元，客户数达31万户，近年来，中信银行普惠贷款持续稳 步增长，余额和客户数分别较2018年底增长了4倍和3倍。 系统布局，"五专五强化"构建全行服务矩阵 中信银行以"五专五强化" 为核心框架，构建起总分支三级联动、前中后台协同的服务体系。"五专"机 制由总行统领，通过"成立工作专班、制定专项方案、优化专属产品、开展专题活动、配套专门政策"， 实现顶层设计与资源整合。"五强化"在分行层面落地执行，通过"强化统筹推动、沟通对接、主动推 送、落地执行、持续服务"，确保政策不悬空、服务不走样。如安徽省建立"包保机制"，合肥分行积极 参与，配合专班走访调研企业、推动机制落实。 为打通金融服务"最后一公里"，中信银行创新建立街道层级的"网格化管理"机制，安排专职人员对接街 道、园区，确保"对接 ...

Core Insights - CITIC Bank has been recognized as the only bank to receive the ecological brand certification for four consecutive years, showcasing its transformation from providing financial functions to co-creating user value [1][6] - The ecological brand certification is initiated by authoritative institutions, covering nearly a thousand brands across over 30 industries globally, with CITIC Bank leading in dimensions such as user experience, open collaboration, and social value contribution [3] Group 1: Brand Recognition and Strategy - CITIC Bank has established itself as a benchmark for sustainable and ecological brand building in the banking industry, with three major cases included in the "Ecological Brand Development Report (2025)" [3] - The bank emphasizes its core value of "trust" since its establishment in 1987, leveraging the comprehensive advantages of CITIC Group to deepen industry-finance collaboration and create a differentiated financial service system [3][6] Group 2: Rural Revitalization and Cross-Border Services - CITIC Bank has launched a "1+5+5" comprehensive service system for rural revitalization, focusing on a dual-driven model of "digital inclusion + industry collaboration" to inject financial vitality into rural industries [4] - The bank's "Global Financial" services encompass a full lifecycle support network, including visa services and education planning, serving 27 million individuals and covering over 40 countries [4] Group 3: Green Finance Initiatives - CITIC Bank has developed the "CITIC Carbon Account," the first personal carbon account led by a bank in China, transitioning from carbon measurement to carbon assets [5] - As of August 2025, the bank has achieved over 20 million tons of cumulative carbon reduction through its platform, establishing a benchmark for green transformation in the banking sector [5][6] Group 4: Future Directions - The bank aims to continue enhancing its open collaboration, technological empowerment, and international expansion, contributing to the construction of a more inclusive, efficient, and sustainable financial ecosystem [6]

Group 1: Financial Institutions and Technology Innovation - The National Financial Supervisory Administration is promoting financial institutions to increase support for technological innovation, establishing a multi-level technology financial service system [1] - A comprehensive policy framework for technology finance has been initiated, with a focus on enhancing credit services for high-tech enterprises and small and medium-sized technology companies [1] - By the end of Q3 2025, the loan balance for high-tech enterprises in both domestic and foreign currencies reached 18.84 trillion yuan, a year-on-year increase of 6.9% [1] Group 2: Agricultural Financial Services - The Agricultural Development Bank of China is focusing on creating four major professional brands to support agricultural development [5] - The bank aims to enhance food security and promote digital finance across the entire agricultural value chain [6] - It is also committed to supporting high-standard farmland construction and ecological protection through financial services [6] Group 3: Inclusive Finance Development - The China Banking Association emphasizes the importance of inclusive finance, aiming to meet the financial needs of small and micro enterprises, rural areas, and low-income groups [3][4] - By June 2025, the balance of inclusive loans for small and micro enterprises from large commercial banks reached 16.23 trillion yuan, which is 3.36 times that of the end of the 13th Five-Year Plan [3] - The banking sector is innovating products tailored to the operational characteristics of small and micro enterprises, increasing the proportion of first-time loans and credit loans [3] Group 4: Digital and Intelligent Financial Services - The Industrial and Commercial Bank of China is implementing digital reforms and has established a digital inclusive finance center to enhance service efficiency [7] - The bank has developed a financial big model and an intelligent decision-making engine to improve risk identification accuracy [7] - By focusing on inclusive finance, the bank aims to create a new service model that is precise, smooth, and intelligent [7] Group 5: Insurance Sector Innovations - The People's Insurance Company of China is enhancing insurance coverage for major national strategies and key areas, with an insurance liability amount of 2988 trillion yuan for 2024 [15] - The company is innovating in technology insurance and has launched various products to provide comprehensive risk protection for technological research and development [15] - It is also expanding green insurance offerings to support environmental sustainability initiatives [15] Group 6: Comprehensive Financial Ecosystem - Citic Bank is focusing on building a standardized system for inclusive finance, enhancing its product offerings and risk control mechanisms [11][12] - The bank aims to create a diversified service ecosystem by collaborating with various stakeholders to support small and micro enterprises [12] - It is committed to developing a more mature and rich product service system for inclusive finance [12]

Core Insights - China CITIC Bank Zhengzhou Branch focuses on innovative inclusive finance to address the financing challenges faced by small and micro enterprises in Henan Province [1][2] - The bank has shifted its credit assessment approach from traditional methods to a future-oriented perspective, emphasizing team capabilities and industry research [1] - The bank has developed tailored financing solutions by integrating government, tax, customs, and industry platform data, effectively supporting the modernization of the industrial system in Henan [1][2] Financial Products and Services - The bank has launched specific loan products such as "Steel Furniture Loan" in Luoyang, providing a total credit of 69 million yuan to support the local steel furniture industry [1] - In Linzhou, the "Linzhou Auto Parts Loan" was introduced, with 78.46 million yuan allocated to 15 auto parts companies, enhancing the overall industry chain [2] - The "Martial Arts Inheritance Loan" was created in Dengfeng, providing 30 million yuan in credit to six martial arts schools, promoting the integration of culture, education, and industry [2] Operational Strategy - The bank has transitioned from a product-driven model to a scenario-based ecological operation, establishing a comprehensive service mechanism that includes customer identification, industry research, solution development, and rapid implementation [2] - As of now, the bank's inclusive finance loans have exceeded 50 billion yuan, benefiting over 20,000 small and micro enterprises [2] - The bank aims to enhance its role in local development by integrating transaction banking and wealth management services, reinforcing the partnership between banks and enterprises [2]

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]

Core Insights - The central financial work conference emphasizes the importance of inclusive finance to support the development of small and micro enterprises [1] - China CITIC Bank Jinan Branch has launched a supply chain inclusive finance service plan to address the financing difficulties faced by upstream small and micro enterprises in the medical supply chain [1] Group 1: Financial Services Initiatives - The bank's "Order e-loan + Credit e-chain" financing service effectively revitalizes accounts receivable for upstream enterprises, 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 - 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 "Serve Ten Thousand Enterprises - Trust and Benefit Enterprises" initiative [2]

Core Insights - The "Carbon-based New Materials Industry Integration and Connection Conference" was successfully held in Shandong Province, with over 50 key enterprises in the carbon-based new materials sector participating [1] - China CITIC Bank Jinan Branch was invited to the event to provide customized inclusive financial service solutions tailored to the financial needs of the carbon-based new materials industry [1] Group 1: Understanding Enterprise Needs - During the event, China CITIC Bank Jinan Branch engaged with four "chain master enterprises" in the carbon-based new materials industry to understand their production operations, industry chain layout, and funding needs [2] - The bank provided on-site answers and introduced feasible comprehensive financial service solutions based on the actual conditions of the enterprises [2] Group 2: Customized Solutions for Financing Challenges - At the integration meeting, China CITIC Bank Jinan Branch focused on the needs of carbon-based new materials enterprises and explained its "CITIC Easy Loan" series of specialized products, including "Science and Technology Innovation Loan," "Government Procurement Loan," "Bill Loan," and "Mortgage Loan" [3] - The bank committed to providing full lifecycle financial services for "chain master" enterprises and small and micro enterprises in the industry chain, addressing issues of difficult, slow, and expensive financing [3] - Moving forward, China CITIC Bank Jinan Branch aims to continuously innovate financial products and services that meet industry needs, contributing to the high-quality development of the industry chain [3]