Core Insights - Inclusive finance is a key area for financial services to support the real economy, as emphasized by the Central Financial Work Conference [1] - CITIC Bank Shenzhen Branch has actively implemented national policies to enhance financing for small and micro enterprises, achieving significant growth in inclusive loans [2][8] Group 1: Financing Mechanisms - CITIC Bank Shenzhen Branch has established a coordination mechanism to streamline financing for small and micro enterprises, integrating resources and focusing on key sectors [2] - The branch has issued over 70 billion yuan in loans to inclusive small and micro enterprises, covering various sectors such as foreign trade and technology [2] Group 2: Product Innovation - CITIC Bank has launched over 20 specialized products to improve financing accessibility and satisfaction for small and micro enterprises [3] - The bank has developed a range of scenario-based credit loan products tailored to the diverse needs of small and micro enterprises, enhancing coverage and adaptability [3] Group 3: Case Studies - A small agricultural company received nearly 5 million yuan in financing through the "Government Procurement Framework Model" within five days, alleviating financial pressure [4] - The "Cross-Border Flash Loan" product has enabled a machinery company to secure 500,000 yuan in financing quickly, addressing liquidity needs without collateral [5][6] Group 4: Supply Chain Financing - The "CITIC Easy Loan" product system supports small and micro enterprises across various scenarios, significantly reducing financing time costs [7] - The bank has successfully implemented financing solutions for small suppliers of a leading LED company, enhancing both supplier liquidity and core enterprise efficiency [7] Group 5: Future Outlook - CITIC Bank Shenzhen Branch aims to continue enhancing its inclusive finance services through innovative products and precise services, contributing to the high-quality economic development of the Shenzhen region [8]

Group 1 - The core viewpoint of the articles emphasizes the proactive measures taken by CITIC Bank's Zhengzhou branch to support the development of private enterprises through tailored financial services and collaborative ecosystems [1][2][3] Group 2 - CITIC Bank Zhengzhou branch has developed specialized service plans to enhance the quality and effectiveness of its support for private enterprises, including the implementation of various action plans aimed at promoting the growth of the private economy [1] - The bank has provided financing of nearly 5 billion yuan to over 1,700 private enterprises this year through various online products such as Sci-Tech e-loan and Order e-loan [1] Group 3 - The bank is building three collaborative ecosystems: government-bank cooperation, bank-bank collaboration, and industry-finance collaboration, to empower the high-quality development of private enterprises [2] - A recent forum titled "New Ecology of Investment in the Era of Technology" was held, involving leading private equity institutions and private technology enterprises, aimed at creating a comprehensive service system for technology companies [2] Group 4 - CITIC Bank Zhengzhou branch has actively visited enterprises to understand their financial needs and provide comprehensive financial service solutions, including financing and settlement services [3] - The bank has conducted over 70 policy promotion sessions and more than 300 enterprise matching meetings, benefiting over 1,200 enterprises [3] - The "Star Plan" initiative is being utilized to coordinate resources and enhance the precision and effectiveness of services for private enterprises [3]

Core Viewpoint - The Central Financial Work Conference emphasizes the need for finance to provide high-quality services for economic and social development, particularly by allocating more financial resources to support the growth of small and micro enterprises, thereby enhancing inclusive finance [1] Group 1: Development of Inclusive Finance - Since the establishment of the Inclusive Finance Department in 2018, the balance of inclusive finance loans at CITIC Bank has increased from 130 billion to 530 billion, with the number of borrowers rising from 80,000 to 270,000, while maintaining stable asset quality [1] - CITIC Bank has implemented a management innovation strategy to enhance the political and people-oriented nature of financial work, contributing to alleviating the financing difficulties faced by small and micro enterprises [1] Group 2: Management and Service Enhancement - CITIC Bank has formed a leadership group for inclusive finance, led by the Chairman, to innovate a unique management model that enhances the efficiency and professionalism of inclusive finance services [2] - The bank has established a centralized operational management platform for inclusive finance, focusing on risk management and professional teams to improve service capabilities [2] Group 3: Product Innovation and Development - CITIC Bank has introduced a "duty exemption" approach to encourage product development, establishing a product innovation factory that includes over 20 standardized products [3] - The bank has developed various loan products targeting supply chain finance and key industries, such as "Order e-loan" and "Innovation e-loan," which provide quick online credit loans to small and micro enterprises [3] Group 4: Intelligent Management and Risk Control - CITIC Bank is leveraging digital technologies to create a comprehensive risk control platform that enhances the precision of inclusive finance services [4] - The bank's intelligent risk warning system has achieved over 80% accuracy in risk prediction and over 90% automation in inspections, marking a shift from manual to intelligent risk management [4] - Future plans include further enhancing inclusive finance service capabilities in alignment with national policies and regulatory guidance [4]

近年来，中信银行南京分行通过政银企协同、产品创新、科技赋能三大举措，探索出一条"成本可负 担、商业可持续"的普惠金融发展新路径。今年上半年，该行通过小微企业融资协调机制累计走访企业 4712户，为3990家小微企业提供融资支持，贷款投放规模超270亿元。"7天放款"纾企解困，银政协同构 建服务新生态。在江苏常州武进区的一家纺织厂里，工人们正忙着赶制一批外贸订单。"多亏了中信银 行那笔454万元的'救命钱'，让我们度过难关。"常州市瀚发纺织有限公司负责人说。 此前，企业因为原料价格波动大、客户回款周期拉长，陷入资金困境，小企业财务报表情况不符合传统 信用审查标准，多次借贷无果。"千企万户大走访"活动让事情有了转机，中信银行南京分行的客户经理 在走访中了解到企业实际经营情况后，通过财报、工商、税务、社保等多维数据还原企业真实信用状 况，最终，仅用7个工作日就完成了从申请到放款的全流程，量身定制的"保证+抵押"组合方案，解了企 业燃眉之急。 据了解，中信银行南京分行深度融入江苏省"千企万户大走访"行动，创新建立"五专五强化"工作机制， 成立工作专班、制定专项方案、优化专属产品、开展专题活动、配套专门政策，形成总分支 ...

Core Viewpoint - The article highlights the significant role of CITIC Bank's Jiaxing branch in supporting the high-quality development of the local private economy through enhanced financial services and innovative products. Group 1: Financial Support and Growth - The loan balance for private enterprises has exceeded 11.2 billion, with an increase of 1.18 billion compared to the beginning of the year, and the loan proportion has reached 25.4%, up by 0.64 percentage points [1] - CITIC Bank Jiaxing branch has established special leadership and working groups to enhance support for private enterprises, introducing various loan subsidy policies to stimulate growth [1] - The bank has implemented a "direct access" service mechanism to streamline approval processes, allowing quality enterprises to receive credit support more quickly [1] Group 2: Focus on Manufacturing and Specialized Enterprises - As of June 2025, the loan balance for private manufacturing enterprises reached 10.3 billion, increasing by 1.58 billion from the beginning of the year, with a loan proportion of 92.06% among private enterprises [2] - The bank has achieved deep coverage in the "specialized, refined, distinctive, and innovative" sector, with a service coverage rate exceeding 80% for local enterprises [2] - Innovative financing models such as equity pledges and accounts receivable pledges have been explored, with over 900 million in loans issued through these methods [2] Group 3: Innovative Products and Services - In 2024, CITIC Bank Jiaxing branch has disbursed 7 billion in funds to support the high-quality development of advanced manufacturing clusters [3] - The bank has successfully issued 150 million in technology innovation bonds to a leading fiberglass company, marking a breakthrough in non-listed private enterprise bond issuance [3] - Various online products such as "Xinyun" and "Small Business Instant Loan" have been introduced to provide flexible financing options for enterprises [3] Group 4: Future Commitment - The bank plans to continue its focus on the private economy, providing high-quality financial services to assist private enterprises in achieving sustainable and stable growth [4]

Group 1: Economic Impact of Foreign Trade - Foreign trade is one of the "three drivers" of economic growth, playing a crucial role in stabilizing the economy and promoting development [1] - Taizhou's export-oriented industries are prominent, with an outward-oriented economy becoming an important part of the national economy [1] Group 2: Financial Products for Export Enterprises - CITIC Bank Taizhou Branch has developed diverse financial products to address the financing difficulties faced by foreign trade enterprises [2] - The "Cross-border Flash Loan" product allows for fully online operations, automated approvals, and self-service disbursements, providing convenient financing support for small and micro export trade enterprises [2] - The bank's innovative "Order e-loan" and "Commercial Bill e-loan" products enhance financing support around core foreign trade enterprises and their supply chains [2] Group 3: Risk Management through Specialized Foreign Exchange Services - With the dual fluctuations of the RMB exchange rate becoming the new norm, exchange rate risk management is a key focus for foreign trade enterprises [4] - CITIC Bank Taizhou Branch offers market information consulting and transaction management services to assist enterprises in establishing exchange rate management mechanisms [4] - The bank successfully provided a tailored foreign exchange hedging solution for a small trade enterprise, allowing it to manage exchange rate risks effectively [4] Group 4: Comprehensive Cross-border Services - CITIC Bank Taizhou Branch leverages the unique advantages of CITIC Group's comprehensive financial services to support enterprises in expanding into international markets [6] - The bank provides full-process support for enterprises, including opening fundraising accounts and offering professional guidance on foreign exchange knowledge [6][7] - The bank aims to continue enhancing its cross-border financial service system to support foreign trade enterprises in navigating complex market environments [7]