比比赞（山东）食品有限公司的快速崛起，离不开精准的发展定位，更离不开邮储银行临沂分行的金 融"及时雨"。"我们的渠道布局很广，既给品牌供应饼干原料，也做代工，还做出口和自有礼盒销售， 订单一直很饱满，但扩大生产、新建厂房都需要大量资金，关键时刻是邮储银行拉了我们一把。"岳键 介绍道。 早在企业筹备阶段，邮储银行沂水县支行的客户经理韩汶泽就通过走访了解到其转型升级的需求，主动 对接、全程跟进。考虑到企业成立初期资金周转紧张，且春节前亟需资金囤购原材料，该行精准匹配线 上"食品集群e贷"产品，仅用一周时间就为企业发放200万元贷款，解了企业的燃眉之急。"线上产品审 批快、额度足，正好贴合我们当时的急需，工作人员全程上门服务，省去了我们不少麻烦。"岳键对该 行的高效服务赞不绝口。 齐鲁晚报·齐鲁壹点 主余凤 通讯员 李洁 "临近过年，车间里四条生产线24小时连轴转，门口的货运大车排着队等货，这忙碌劲儿，要是没有邮 储银行（601658）的支持，想都不敢想！"近日，比比赞（山东）食品有限公司的厂房里，负责人岳键 指着轰鸣的生产线，对前来走访的邮储银行临沂分行工作人员感慨道。车间内，酥性饼干、夹心饼干的 香气扑面而来， ...

Core Insights - Postal Savings Bank of China (PSBC) Luoyang Branch is actively responding to policy calls by focusing on six business environment indicators and addressing the financial needs of small and micro enterprises, thereby injecting strong financial momentum into local economic development [1][2] Group 1: Financial Support for Small and Micro Enterprises - The bank has implemented a series of effective measures, including the establishment of a special quota for "Two Small Loans" to ensure credit allocation for small and micro enterprises in key sectors [1] - PSBC is expanding its first-time loan offerings and enhancing service efficiency through the restructuring of the small micro loan process, promoting new service models like "Cluster e-loan" [1][2] - The bank is increasing financing support for private enterprises, focusing on modern manufacturing and refining service strategies based on industry needs [1] Group 2: Loan Products and Services - To alleviate cash flow pressures for small and micro enterprises, the bank is promoting a no-repayment renewal loan service, simplifying processes and ensuring seamless transitions between loans [2] - The bank is enhancing collaboration with tax authorities to provide efficient loan services based on timely tax information for eligible small enterprises [2] - PSBC is optimizing loan approval processes to shorten approval times and increase disbursement efficiency, while also innovating loan products based on actual enterprise needs [2] Group 3: Credit Loan Initiatives - The bank is adopting a multi-faceted approach to increase the proportion of credit loans, including promoting joint borrower models and leveraging data to support credit loans for small enterprises within industrial clusters [2] - PSBC is actively guiding personal account managers to issue credit loans under controlled risk conditions, thereby enhancing the overall credit loan offerings [2] - The bank's initiatives have led to positive outcomes in optimizing the business environment and supporting the development of small and micro enterprises, with plans to continue innovating service models for high-quality local economic development [2]