创新产品，数字赋能。中信银行重庆分行积极承接并高效落地总行数字化金融产品，大力推广"科创e 贷""商票e贷"等线上融资工具。依托大数据风控模型，持续优化本地审批流程与服务响应机制，打 造"线上申请、智能审批、快速放款"的便捷体验，切实帮助企业降低融资成本、提升资金获取效率。 通过党委中心组学习、专题研讨、红色教育基地实践等多种形式，中信银行重庆分行持续深化对金融工 作政治性、人民性的认识，聚焦制造业转型、小微企业发展等重点方向，将宏观政策要求细化为"进万 企、解难题、促发展"的具体行动路径，确保全员方向清、目标明、举措实。 在此基础上，中信银行重庆分行组建了109支以党员为骨干、青年员工为主力的"党员先锋队"与"青年突 击队"。党员干部带头下沉一线，将党组织的政治优势、组织优势转化为服务企业的强大效能，切实解 决中小微企业金融服务"最后一公里"问题，有力推动了一批重点项目建设。 优服务拓场景 畅通"进万企"服务脉络 立足中小微企业"融资难、融资贵、融资慢"痛点，中信银行重庆分行构建全周期、多层次服务体系，让 金融活水精准滴灌实体经济"毛细血管"。目前，中信银行重庆分行中小客群建设已形成"意识强、举措 实、成效 ...

转自：新华财经 为积极服务包头市"两个稀土基地"及战略性新兴产业集群建设，中信银行包头分行将科技金融作为高质 量发展的重点赛道，聚焦本地高新技术企业、专精特新"小巨人"及科创型中小企业，持续创新服务模 式、优化金融供给，以全周期、综合化金融服务陪伴科技企业成长，为区域科技创新与产业升级注入强 劲金融动能。 夯实服务根基，构建长效机制 中信银行包头分行通过建立健全科技金融专项工作机制，对科技金融贷款实施内部资金转移定价优惠， 优先审批、提速办理，为科技型企业搭建覆盖全生命周期的成长支持平台。积极对接包头市钢铁、稀 土、晶硅光伏等先进制造产业集群，与区域重点科技型企业建立长期稳定合作关系，累计提供授信支持 近100亿元。 强化产品支撑，精准破解融资难题 聚焦科技企业"首贷难、融资慢、需求多元"等痛点，中信银行包头分行依托核心企业信用，运用"商票e 贷、订单e贷、经销e贷"等供应链金融产品，为本地科创型中小微供应商提供便捷融资支持。今年以 来，该行累计线上投放表内外融资32.52亿元，通过"科创e贷"产品服务8户专精特新企业，累计放款约1 亿元，落地首笔股票质押融资业务8亿元，推动金融资源与科技产业深度融合。 深化 ...

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]

Core Insights - CITIC Bank Nanjing Branch has developed a new path for inclusive finance through collaboration with government and enterprises, product innovation, and technology empowerment, focusing on affordable costs and sustainable business practices [1][2][4] - The bank has provided significant financial support to small and micro enterprises, with over 270 billion yuan in loans disbursed in the first half of the year, benefiting nearly 4,000 businesses [1][2] Group 1: Financial Support Initiatives - The bank's "thousand enterprises and ten thousand households" initiative has facilitated visits to 4,712 enterprises, resulting in financing support for 3,990 small businesses [1] - A case study highlights a textile company that received 4.54 million yuan in emergency funding, demonstrating the bank's quick response and tailored financial solutions [1] Group 2: Innovative Financial Products - CITIC Bank has introduced the "Commercial Bill e-loan" product, allowing suppliers to quickly obtain financing based on commercial acceptance bills, addressing the urgent funding needs of small enterprises [2] - The bank has also launched a special credit scheme for foreign trade small and micro enterprises, offering benefits such as no collateral and no margin for forward foreign exchange transactions [3] Group 3: Technology and Risk Management - The bank employs a comprehensive risk control model by integrating various government data sources, enhancing the efficiency of risk management and addressing financing challenges faced by small enterprises [3] - The use of financial technology enables the bank to create precise profiles of small businesses, facilitating targeted financial solutions [3] Group 4: Collaboration with Government - CITIC Bank has strengthened its collaboration with government departments, launching policy-based financial products like the "Su Zhi Loan" to support specialized enterprises, thereby reducing financing costs [4] - The bank aims to continue its commitment to supporting small and micro enterprises in Jiangsu, contributing to their high-quality development [4]

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]