三里屯清晨的蛋挞香漫过街巷，惠通时代广场里徽忆餐厅的徽菜鲜浸润舌尖，郊区露营地的青草气 裹着微风——这些城市烟火背后，藏着小微企业主们的奋斗故事。90后叶上珠、安徽籍厨师陶勇、创业 者刘吉嘉，他们的创业路各有坎坷，却都在中信百信银行数字普惠金融的精准赋能中，找到了把生意做 下去、做更好的信心。 2025年，在北京市朝阳区发改委、金融工作事务中心指导下，中信百信银行携手新华网发起"看见 一百个信心的朝向"公益计划，以"政银媒协同"模式，为小微企业送去"融资+品牌推广"双赋能。作为国 有控股数字普惠银行，中信百信银行始终以服务小微企业、激活实体经济为初心，用数字金融的温度托 起每一份踏实经营的小生意，让生意人多了敢闯敢拼的信心。 懂生意的金融：把支持嵌进创业每一步 在餐饮江湖打拼的陶勇，1999年背着行囊来京学厨时，他或许没料到，自己会在2016年开出一家承 载家乡味的徽忆餐厅，更没料到创业初期会遇到客源不稳、团队管理的难题。陶勇曾感慨："管理人比 管理菜难太多了。" 在政府的帮扶基础上，中信百信银行的创业担保贷成了陶勇的"定心丸"。"创业担保贷"精准适配餐 饮小微企业轻资产特性，免担保、低利息且叠加政府贴息，大 ...

2025年，国家发布多项提振信心政策，如何让金融"活水"精准滴灌至这些微观主体，成为破解民生与经 济难题的关键。 过去，金融机构多以"资金提供方"的角色参与普惠服务，聚焦于解决小微企业"钱从哪来"的问题，但随 着市场环境的变化，仅靠资金支持已无法满足小微企业全生命周期的成长需求——它们既需要灵活高效 的融资服务应对经营波动，也需要数字化产品提升运营效率，更期待通过品牌赋能和资源对接打开市 场。 在此背景下，在北京市朝阳区发展和改革委员会、北京市朝阳区金融工作事务中心的指导下，中信百信 银行携手新华网共同发起"看见一百个信心的朝向"普惠金融公益推广计划。该计划作为为企业提供 从"资金支持"转向"生态构建"的实践样本，成功入选由21世纪经济报道主办的2025年21世纪金融竞争力 优秀案例"年度典型普惠金融案例"。 如何将政策红利与数字金融创新，精准对接小微企业真实成长需求？如何以切实服务传递信心，让每一 份坚守获得回响？中信百信银行的探索，正在为普惠金融的深化提供新路径。 创业担保贷，破解小微"融资焦虑" 小微企业融资难的核心症结，始终绕不开"缺抵押、成本高"两大痛点。 在国民经济的毛细血管中，小微企业是最具活力 ...

在国民经济的毛细血管中，小微企业是最具活力的细胞——它们承载着创业梦想、吸纳着大量就业，更 孕育着市场创新的无限可能。但与此同时，"缺抵押、融资贵、贷款慢" 现实困境，也是小微企业不得 不面对的现实困境。 2025年，国家发布多项提振信心政策，如何让金融"活水"精准滴灌至这些微观主体，成为破解民生与经 济难题的关键。 过去，金融机构多以"资金提供方"的角色参与普惠服务，聚焦于解决小微企业"钱从哪来"的问题，但随 着市场环境的变化，仅靠资金支持已无法满足小微企业全生命周期的成长需求——它们既需要灵活高效 的融资服务应对经营波动，也需要数字化产品提升运营效率，更期待通过品牌赋能和资源对接打开市 场。 在此背景下，在北京市朝阳区发展和改革委员会、北京市朝阳区金融工作事务中心的指导下，中信百信 银行携手新华网共同发起"看见一百个信心的朝向"普惠金融公益推广计划。该计划作为为企业提供 从"资金支持"转向"生态构建"的实践样本，成功入选由21世纪经济报道主办的2025年21世纪金融竞争力 优秀案例"年度典型普惠金融案例"。 创业担保贷， 破解小微"融资焦虑" 小微企业融资难的核心症结，始终绕不开"缺抵押、成本高"两大痛点 ...

在国民经济的毛细血管中，小微企业是最具活力的细胞——它们承载着创业梦想、吸纳着大量就 业，更孕育着市场创新的无限可能。但与此同时，"缺抵押、融资贵、贷款慢" 现实困境，也是小 微企业不得不面对的现实困境。 2 0 2 5年，国家发布多项提振信心政策，如何让金融"活水"精准滴灌至这些微观主体，成为破 解民生与经济难题的关键。 过去，金融机构多以"资金提供方"的角色参与普惠服务，聚焦于解决小微企业"钱从哪来"的 问 题 ， 但 随 着 市 场 环 境 的 变 化 ， 仅 靠 资 金 支 持 已 无 法 满 足 小 微 企 业 全 生 命 周 期 的 成 长 需 求 ——它们既需要灵活高效的融资服务应对经营波动，也需要数字化产品提升运营效率，更期 待通过品牌赋能和资源对接打开市场。 在 此 背 景 下 ， 在 北 京 市 朝 阳 区 发 展 和 改 革 委 员 会 、 北 京 市 朝 阳 区 金 融 工 作 事 务 中 心 的 指 导 下，中信百信银行携手新华网共同发起"看见一百个信心的朝向"普惠金融公益推广计划。该 计划作为为企业提供从"资金支持"转向"生态构建"的实践样本，成功入选由2 1世纪经济报道 主办的2 ...

Core Viewpoint - The issuance of the "CITIC Baixin Bank Co., Ltd. 2025 Special Financial Bonds for Small and Micro Enterprises" marks a significant milestone in the digital banking sector, being the first small micro financial bond issued by an internet commercial bank with a record low coupon rate of 1.98% [2]. Group 1: Bond Issuance Details - The bond has a total issuance scale of 2 billion yuan and a maturity period of 3 years [2]. - The funds raised from this bond will be specifically used for providing loans to small and micro enterprises, aligning with the national policy to enhance financial services for small businesses [2]. Group 2: Company Background and Strategy - CITIC Baixin Bank, established in 2017, is the first state-controlled digital bank in China, jointly initiated by CITIC Bank and Baidu, and serves as a testing ground for the digital transformation of the banking industry [2]. - The bank has been actively innovating in inclusive financial services this year, focusing on addressing the financing challenges faced by small and micro enterprises through digital products like the "Entrepreneur Guarantee Loan" [2]. Group 3: Role of Shenwan Hongyuan Securities - Shenwan Hongyuan Securities acted as the lead underwriter for this bond issuance, marking its first internet bank financial bond, which signifies a new breakthrough in the field of digital inclusive finance bonds [2]. - The company aims to continue its commitment to serving the real economy and contributing to the development of digital and inclusive finance [2].

【编者按】在经济脉动与个体经营交织的当下，小微企业始终承载着市井烟火与民生温度，却也常 面临资金、资源与信心的多重考验。它们不喧哗，却有力；不张扬，却坚韧。为助力小微企业的创新经 营和推广发展，在北京市朝阳区发展和改革委员会、北京市朝阳区金融工作事务中心指导下，中信百信 银行携手新华网发起"看见一百个信心的朝向"公益推广计划，依托政府指导、金融助力与媒体传播的三 方协同，为小微企业提供从政策对接、资源赋能到品牌发声的多维支持。我们相信，每一份认真生长的 生意都值得被关注，每一次踏实前行的努力都应当被点亮。本期，让我们走进李海燕的科创世界，看见 一百个信心的朝向。 李海燕带领启天同辉科技不断优化企业端信创软硬件服务、开拓人工智能和新生物环保材料领域的 产品和市场。对她而言，创业是从0到1的创造过程，"我喜欢不断接受新事物。"她说。 在政策护航与金融活水的双重滋养下，李海燕带领启天同辉科技不断优化企业端信创软硬件服务， 攻坚克难，稳步前行。中信百信银行精准把握科创类小微企业在公司发展过程中存在"用款急、频次 高、需求准"的痛点，以"创业担保贷"等贴合科创企业经营需求的金融服务，为小微企业"搭把手"，让 金融活水精 ...

Core Viewpoint - The article highlights the challenges faced by small and micro enterprises in China, particularly regarding financing difficulties, and emphasizes the importance of collaborative support from financial institutions, government, and media to empower these businesses [1][2]. Group 1: Challenges Faced by Small and Micro Enterprises - Small and micro enterprises are described as the "capillaries" of the economy, with their confidence contributing to the overall economic strength [2]. - Entrepreneurs like Tao Yong experience unstable customer flow and tight cash flow, reflecting the struggles of many small business owners [1]. Group 2: Collaborative Support Initiatives - The "Seeing a Hundred Directions of Confidence" public promotion plan initiated by Citic Baixin Bank aims to support small and micro enterprises through storytelling and media engagement [1][2]. - The collaboration involves government as a policy guide, Citic Baixin Bank providing tailored financial products, and media amplifying the stories of entrepreneurs [2][3]. Group 3: Financial Products and Innovations - Citic Baixin Bank offers products like the "Entrepreneur Guarantee Loan," which provides low-interest, collateral-free loans to small businesses, facilitating easier access to financing [2][3]. - The "Business Loan" product is designed for the unique cash flow characteristics of small enterprises, allowing flexible borrowing and repayment options [3][4]. Group 4: Digital Empowerment and Growth - The "Bailian System" is introduced as a digital solution that utilizes data and AI to assess creditworthiness without requiring collateral, enhancing the financing process for small businesses [3][4]. - As of Q3 2025, the balance of inclusive small micro loans reached 12.703 billion, reflecting a significant growth of 39.58% since the beginning of the year [4].

Core Insights - The article highlights the challenges faced by small and micro enterprises in China, particularly in accessing financing, and emphasizes the importance of supporting their confidence and growth [1][2]. Group 1: Support for Small and Micro Enterprises - The "Seeing a Hundred Directions of Confidence" initiative by Citic Baixin Bank aims to support small and micro enterprises by telling their stories and providing financial assistance [1][2]. - The collaboration between government, banks, and media is crucial in providing tailored financial solutions and resources to small businesses, addressing issues like collateral difficulties [2][3]. Group 2: Financial Products and Innovations - Citic Baixin Bank offers innovative financial products such as the "Entrepreneur Guarantee Loan," which provides low-interest, collateral-free loans to small businesses [2][3]. - The "Business Loan" product is designed for the unique cash flow needs of small enterprises, allowing for flexible borrowing and repayment terms [3][4]. Group 3: Digital Transformation and Growth - The bank has developed the "Bailian System," a digital solution that utilizes data and AI to assess creditworthiness without requiring collateral, thus enhancing access to financing for small businesses [3][4]. - As of the end of Q3 2025, the balance of inclusive small micro loans reached 12.703 billion, reflecting a significant year-to-date growth of 39.58% [4].

Core Viewpoint - The successful issuance of the "CITIC Baixin Bank Co., Ltd. 2025 Special Financial Bonds for Small and Micro Enterprises" marks a significant milestone in the digital banking sector, showcasing the bank's commitment to supporting small and micro enterprises through innovative financial solutions [2][3]. Group 1: Bond Issuance Details - The bond issuance has a scale of 2 billion yuan, a term of 3 years, and a coupon rate of 1.98%, setting a historical low for internet commercial banks [2]. - This bond is the first financial bond issued by an internet commercial bank specifically for small and micro enterprises, highlighting a breakthrough in the digital inclusive finance sector [2]. Group 2: Bank Overview - CITIC Baixin Bank, established in 2017, is the first state-controlled digital bank in China, initiated by CITIC Bank and Baidu, and serves as a testing ground for the digital transformation of the banking industry [2]. - The bank focuses on a diversified business model driven by financial technology, with consumer finance as its core, digital financial services for industries as a secondary growth curve, and non-loan businesses as potential areas for expansion [2]. Group 3: Financial Performance - As of June 2025, CITIC Baixin Bank's total assets reached 119.516 billion yuan, and the net profit for the first half of 2025 was 472 million yuan, indicating continuous improvement in operational efficiency [2]. Group 4: Purpose of Fundraising - The funds raised from this bond will be specifically used to provide loans to small and micro enterprises, aligning with national policies aimed at enhancing financial services for these businesses [3]. - The bank's digital products, such as the "Entrepreneur Guarantee Loan," effectively address the financing challenges faced by small and micro enterprises, with the inclusive small and micro loan scale reaching 9.1 billion yuan by the end of 2024, a significant increase of 45% year-on-year [3]. Group 5: Role of Shenwan Hongyuan Securities - Shenwan Hongyuan Securities played a crucial role in the successful issuance of the bond by leveraging its professional expertise and executing the project efficiently [3]. - The successful issuance expands Shenwan Hongyuan's experience in underwriting bonds for internet banks and lays a solid foundation for further development in the financial bond market [3].

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively implementing inclusive finance strategies, focusing on innovation and precise services to enhance financial support for key industrial clusters, industrial parks, and rural revitalization initiatives [1][2] Group 1: Financial Products and Services - The bank has customized financial products such as "Transaction e-loan" and "Merchant e-loan" for local industries, resulting in over 600 million yuan in new loan disbursements by the end of October, significantly enhancing credit services across 31 key industrial clusters and specialized markets [1] - Two core products, "Purchase and Construction Loan" and "Industrial e-loan," have been introduced to alleviate the financial burden on enterprises in industrial parks, with over 600 million yuan in inclusive loans disbursed to more than 200 small and micro enterprises by the end of October [1] Group 2: Support for Local Enterprises - The bank has established a dynamic financing demand matching mechanism to support the "Yushang Return" initiative, providing priority service channels for quality enterprises and promoting products like "Industrial e-loan" and "New Generation Business Quick Loan" [2] - By the end of October, the bank has issued over 60 million yuan in loans to enterprises involved in the "Yushang Return" initiative, significantly reducing financing costs through a combination of services, products, and policy incentives [2] Group 3: Agricultural and Rural Development - The bank prioritizes agricultural and rural development as a core aspect of inclusive finance, launching online and convenient agricultural financial products such as "Agricultural e-loan," "Planting e-loan," and "Breeding e-loan" to meet diverse financing needs [2] - These products effectively support local agricultural industries, including the production and sales of specialty crops like Shatian pomelo and medicinal herbs, injecting vital financial resources into rural revitalization efforts [2]