Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Beihai Branch has developed a collaborative service system focusing on "Housing + Entrepreneurship + Risk Control" to accelerate personal loan growth and support housing and entrepreneurship needs since 2025 [1][2]. Group 1: Housing Chain - ICBC Beihai Branch has implemented a dual-track strategy of "improving mortgage services + expanding the second-hand housing market" to meet the housing needs of new citizens, achieving over 320 million yuan in personal loan disbursements by the end of March 2025 [1]. - The branch established a "3-day fast review" mechanism for housing enterprises, completing approvals for five new housing projects in the first quarter [1]. - The collaboration with key second-hand housing intermediaries led to a significant increase in second-hand housing loans, with disbursements exceeding 160 million yuan in the first quarter, marking an 11-fold year-on-year increase [1]. Group 2: Entrepreneurship Chain - ICBC Beihai Branch has created a service matrix focusing on "supporting key groups + revitalizing small and micro businesses" to stimulate domestic demand, promote consumption, and stabilize employment [2]. - The branch launched the first "Veterans Employment Loan" in Guangxi to support veterans in entrepreneurship, contributing to a comprehensive ecosystem of "entrepreneurship training - financial support - income increase" [2]. - By the end of April, the branch had issued 700,000 yuan in loans to four small and micro enterprises and individual businesses through the innovative "Merchant Combination Loan" product [2]. Group 3: Risk Control Chain - ICBC Beihai Branch has established a "full-cycle + intelligent" risk control management system to enhance risk management and improve the quality of personal loan assets [2]. - A "white list + dynamic rating" mechanism for intermediary institutions has been implemented to ensure the quality and compliance of cooperative institutions [2]. - The branch has adopted AI models for post-loan risk warnings and strengthened mechanisms for overdue loan recovery, utilizing litigation collection and asset securitization to enhance risk resolution efficiency [2].