精准对接，锚定需求痛点 （来源：湖南金融） 在中国人民银行湖南省分行持续引导金融机构加大普惠小微领域信贷支持的政策导向下，中国民生银行长沙分行秉持"快字当头、实字托底"的服务理念， 为某服装品牌湖南区域14家经销商精准审批信用贷款近2000万元，高效满足小微企业旺季备货的资金需求，以有温度、有速度的金融服务为实体经济注入 强劲动能，生动诠释了该行深耕普惠金融的责任担当与主动作为。 今年初，民生银行创新推出"某品牌经销商民生快贷"专项项目，为该服装品牌全国经销商提供定制化融资支持。获悉这一消息后，中国民生银行长沙分行 第一时间迅速组建专业服务团队主动走访该品牌湖南分公司，通过深度座谈全面掌握湖南区域经销商的融资诉求与经营痛点——这类贸易型小微企业普遍 缺乏合规足值抵质押物，传统融资渠道受限；同时旺季备货资金需求呈现"短、快、频、急"特征，传统线下授信审批流程难以匹配。"民生银行的服务团 队务实专业，不仅带来了贴合行业特点的创新融资方案，更结合湖南市场实际给出定制化服务建议，让我们感受到满满的诚意。"该品牌湖南分公司负责 人对该行的主动服务给予高度认可。 （来源：湖南金融） 高效审批，破解融资难题 针对经销商融资 ...

Core Insights - The article highlights the critical role of Minsheng Bank in supporting small and micro enterprises, particularly in the competitive restaurant industry, through timely credit support that alleviates financial pressure and facilitates expansion and training [1][2]. Group 1: Support for Small and Micro Enterprises - Minsheng Bank positions itself as a "bank for private enterprises," focusing on inclusive finance as a core development direction, recognizing small and micro enterprises as important partners [1][2]. - The bank has established 100 branches in Beijing, deeply integrating into local communities and parks to create an effective network for supporting small and micro enterprises [1][2]. Group 2: Challenges in Inclusive Finance - The banking industry faces challenges in serving small and micro enterprises due to their weak risk resistance, lack of transparency, and insufficient creditworthiness [2][3]. - The dual challenge of "difficult loans for enterprises and difficult lending for banks" needs to be addressed by identifying and supporting quality small and micro enterprises [2][3]. Group 3: Innovative Financial Solutions - Minsheng Bank has launched various innovative products, such as the "Yichuang E-loan," which offers up to 10 million yuan with same-day approval, enhancing the financing experience for small and micro enterprises [5][6]. - The bank has also implemented a "quick interest subsidy channel" to facilitate the implementation of government subsidy policies, thereby improving access to financing for small enterprises [5][6]. Group 4: Comprehensive Service Approach - The bank has formed dedicated teams to provide customized financial solutions and has organized over 100 non-financial activities to enhance the service ecosystem for small and micro enterprises [6][7]. - By integrating financial and non-financial services, the bank aims to improve customer loyalty and overall profitability, contributing to the sustainable development of inclusive finance [6][7].