Core Insights - The establishment of the financing coordination mechanism for small and micro enterprises has led to significant loan disbursements by Industrial Bank, totaling over 480 billion yuan for 78,000 small and micro enterprises [1] - By the end of September 2025, the balance of inclusive loans for small and micro enterprises reached over 590 billion yuan, with an increase of over 38 billion yuan since the beginning of the year, outpacing the growth rate of all other loans [1] Group 1: Financing Coordination Mechanism - The financing coordination mechanism was established to address the financing difficulties faced by small and micro enterprises, with efforts from both supply and demand sides [2] - Industrial Bank has set up specialized teams and developed targeted work plans to enhance service models and optimize resource allocation for small and micro enterprises [2] - The bank has upgraded its product offerings, such as "Industrial Plant Loans" and "Xing Su Loans," to better meet the financial needs of small and micro enterprises [2] Group 2: Digital Empowerment - Industrial Bank has implemented digital tools to enhance financial service accessibility for small and micro enterprises, improving their loan approval rates [3] - The bank's initiatives include conducting extensive outreach activities to better understand and meet the financing needs of small and micro enterprises [3] Group 3: Support for Technology Enterprises - Industrial Bank is focusing on technology-driven small and micro enterprises, providing a comprehensive range of financial services throughout their innovation lifecycle [4] - The bank collaborates with government and academic institutions to create a supportive ecosystem for technology finance, facilitating the conversion of research outcomes into market-ready products [4] Group 4: Cross-Border Financial Services - Industrial Bank is addressing the challenges faced by small and micro foreign trade enterprises by offering a one-stop service that includes financing, risk mitigation, and advisory support [5] - The bank has launched an online credit product specifically for small and micro foreign trade enterprises, significantly reducing the time required for credit approval [6] Group 5: Cultural and Tourism Financial Services - Industrial Bank has introduced specialized loans for the cultural and tourism sectors, responding quickly to market demands and supporting businesses in capitalizing on tourism opportunities [7] - The bank's approach includes optimizing resource allocation and promoting consumption upgrades, particularly in the cultural and tourism industries [7]

转自：新华财经 在银企双方的高度配合下，2025年累计为A公司开立进口信用证7.6亿元，支持企业顺利完成跨境采购。 同时，合计为A公司减免开证手续费及汇兑费用230万元。 下一步，兴业银行呼和浩特分行将优化分行口岸金融工作机制，强化前中后台，多部门协同发力。围绕 国际业务产品及边贸特色，开展国际业务人才培养，强化国际业务基层队伍建设，提升整体的专业素质 及服务能力，让更多业务能力突出的金融特派员助力自治区外贸企业高质量发展。 编辑：焦若涵 A公司为生产型外贸企业，主要原材料需从境外采购，采购渠道一般为依托国际公司代理采购及自身进 口采购，随着申请人生产经营逐渐稳定，为进一步提升利润率，A公司逐渐扩大自主进口业务（自主进 口节省代理费），代理采购比例由2022年的80%左右逐年下降。因货物采购主要采用海运形式，一般单 船货物价值2000万美元以上，A公司主要诉求为扩大信贷支持额度，提升跨境结算效率，降低融资成 本。 分行金融特派员在了解企业融资需求后，为企业设计专属融资服务方案。基于A公司采购模式，单笔结 算金额较大，为保障买卖双方权利义务，建议以进口信用证结算。在服务规模提升方面：分行为A公司 批复4亿元授信 ...