自支持小微企业融资协调工作机制建立以来，兴业银行累计为7.8万户小微企业发放贷款超4800亿元。 截至2025年9月末，兴业银行普惠小微企业贷款余额超5900亿元，较年初增长超380亿元，普惠小微贷款 增速超全行各项贷款增速。 小微企业是经济发展的生力军，小微企业活则就业旺、经济兴、民生暖。近年来，兴业银行持续推动客 户重心下沉，将支持小微企业融资协调工作机制作为服务小微企业的重要抓手，推动信贷资金直达基 层、快速便捷、利率适配，扎实做好有兴业特色的普惠金融大文章，为经济持续回升向好注入更多金融 活水。 推动机制"破冰" 破解小微融资难题 一手牵企业、一手牵银行，去年10月，由金融监管总局、国家发展改革委牵头，建立支持小微企业融资 协调工作机制，从供需两端发力，解决小微企业融资难。 工作机制建立后，兴业银行第一时间在总、分行层面成立工作专班，制定专项工作方案，强化顶层设 计、加大资源倾斜、优化服务模式，推动金融服务下沉，为小微企业提供"准、快、惠"高效优质金融服 务。 据了解，在产品服务上，兴业银行持续升级"工业厂房贷""兴速贷（信用专属）"等产品，推进人机结合 和人机并行服务机制，简化普惠小微续授信作业流程 ...

Core Insights - The core focus of the news is on the initiatives taken by Industrial Bank to support small and micro enterprises (SMEs) through various financial services and products, highlighting significant loan disbursements and innovative financing solutions [1][2][3]. Group 1: Loan Disbursement and Growth - Industrial Bank has issued loans exceeding 480 billion yuan to 78,000 small and micro enterprises since the establishment of the financing coordination mechanism [1]. - As of September 2025, the balance of inclusive loans for small and micro enterprises is projected to exceed 590 billion yuan, with an increase of over 38 billion yuan since the beginning of the year, outpacing the growth rate of all other loan categories [1]. Group 2: Service Innovations - The bank has introduced innovative financing models such as "credit refueling" to reduce SMEs' reliance on core enterprise guarantees, thereby lowering overall financing costs in the supply chain [2]. - Digital tools like marketing screening and one-click credit assessment have been developed to enhance the efficiency of financial services for SMEs, improving their access to loans [2]. Group 3: Support for Foreign Trade and Consumption - Industrial Bank has created a one-stop service model for small foreign trade enterprises, integrating financing, risk management, and advisory services to address challenges like tariff barriers and exchange rate fluctuations [3]. - The bank is focusing on optimizing resource allocation and promoting consumption upgrades, particularly in the cultural and tourism sectors, by providing financial support for initiatives like the replacement of old consumer goods [3].

转自：新华财经 对于金融业而言，支持外贸促稳提质是服务高质量发展的应有之义，兴业银行乌鲁木齐分行全力支持外 贸企业开拓市场、强化金融信贷扶持、全面提升贸易便利化水平，以高质量的跨境金融综合服务效能为 实体经济和国内国际双循环新发展格局注入金融活水。 数字赋能 助力外贸企业融资及汇率避险 兴业银行乌鲁木齐分行以科技赋能持续助力中小微外贸企业开展融资及汇率风险管理，多维度支持小微 企业"走出去"，让金融活水"活"力全开，普惠万千企业。 该行辖内一家出口型小微外贸企业，主营业务为出口干果，结算方式以电汇为主，年出口额近200万美 元，贸易账期较短，对资金周转速度要求较高，同时需通过远期结汇锁定汇率风险。 但由于企业是轻资产运营，无抵押物，尚无银行授信，资金主要用于补充流动性及支付货款等方面，没 有多余的资金缴纳锁汇保证金，也无法通过传统授信获得银行融资。 了解到客户情况，该行工作人员主动向客户介绍了"小微企业跨境融资+远期结汇"产品，并引导企业通 过线上平台提交申请。企业随即在线提出融资申请，并成功通过系统自动审批获得贷款额度及汇率避险 专项额度。 额度获批后，不仅有效解决了企业短期资金需求，还助力企业实现锁汇零成 ...