Group 1 - Guangdong Huaxing Bank focuses on upstream customers of core enterprises in the supply chain, launching the online supply chain financial product "Xingfu Loan" which allows suppliers to apply for factoring financing based on the credit limit approved by the bank for core enterprises [1] - "Xingfu Loan" helps enterprises conduct core business such as raw material procurement without occupying a large amount of self-owned funds, effectively reducing financing costs and improving capital utilization efficiency [3] - Since April this year, Huaxing Bank's Zhaoqing branch has precisely connected the financing needs of 19 small and micro enterprises in the supply chain of a biotechnology company, providing convenient and efficient financing channels with an average loan amount of 2.6 million yuan per enterprise [3] Group 2 - In the future, Huaxing Bank's Zhaoqing branch will continue to deepen the "1+N" supply chain financial scenario construction, focusing on key areas such as manufacturing, private economy, green industry, and agriculture, optimizing financial service models and innovating financial products [4] - The bank aims to provide efficient, high-quality, and in-depth financial support for more small and micro enterprises in Zhaoqing, contributing to the high-quality development of the local economy [4]

Core Viewpoint - The private economy is a vital force in advancing Chinese modernization and is a crucial foundation for high-quality development. Promoting the sustainable, healthy, and high-quality development of the private economy is a significant long-term policy of the state and a key focus for banks in serving the real economy [1]. Group 1: Financing Challenges and Solutions - Private enterprises face financing difficulties due to concerns from financial institutions regarding operational volatility and credit risks, as well as imbalances in the development of private enterprises [2]. - Huaxing Bank adopts a differentiated credit policy of "support with control," providing targeted financial support through tailored financing solutions for private enterprises based on their specific needs and development stages [2][3]. - The bank has launched a comprehensive financial service model combining equity, debt, and loans to broaden financing channels for private enterprises [2]. Group 2: Innovative Financial Products - Huaxing Bank has developed the "Xingfu Loan" product, which allows core enterprises to issue payment commitment letters, providing non-recourse accounts receivable buyout services to suppliers, with over 400 million yuan disbursed to date [3]. - The bank utilizes big data and AI to create advanced risk control models, optimizing the entire process of small and micro credit services, and has introduced a series of digital products tailored to various industries [3]. Group 3: Green Finance Initiatives - Under the national "dual carbon" strategy, Huaxing Bank has integrated green finance into its strategic planning, innovating green credit products to support the low-carbon transformation of the private economy [4][5]. - The bank has issued over 800 million yuan in carbon reduction loans in 2024 and has developed various green financial products to promote the development of the green economy [5]. Group 4: Inclusive Finance and Support for Small and Micro Enterprises - Huaxing Bank emphasizes the importance of small and micro enterprises as essential components of economic development and has established a dedicated team to enhance financial services for these businesses [6][7]. - In 2024, the bank provided over 25 billion yuan in financing support to small and micro enterprises, with a year-on-year growth of 12.89% in the scale of inclusive loans [7].