作为扎根重庆的非公金融企业，平安融易（江苏）融资担保有限公司重庆分公司（以下简称：平安融易重庆分公司）始终以党建为引领，深度融入国家"十 五五"规划发展大局，将党的政治优势、组织优势转化为服务实体经济的发展优势。截至今年三季度末，公司在保余额达24.08亿元，其中中小微企业在保规 模超16.30亿元，以实际行动践行"专业创造价值"的企业文化，与国家战略同频共振，为重庆经济高质量发展注入强劲动能。 根据"十五五"规划中"推进旅游强国建设"的部署，重庆作为国内外旅游热门城市，平安融易重庆分公司精准锚定旅游服务、酒店经营等细分领域，将党建引 领转化为服务小微企业的具体行动。 据国庆中秋旅游相关数据显示，重庆近年来旅行定制出行产品显著提升，重庆团队游及定制出行产品接待人次同比提升195.40%，出团销售额增长75.31%。 旅游业的小微企业融资需求日益迫切，公司的主动服务模式正精准匹配这一市场趋势。 从事旅游商贸的小微企业主李女士对此深有感触。随着重庆旅游业持续升温，外地游客包车私家团需求激增，她计划采购GL8、考斯特等商务用车扩大经 营，但大额现金流缺口让她犯了难。平安融易咨询顾问主动上门了解情况后，向其推荐了"微 ...

Core Insights - Small and micro enterprises are becoming the backbone of economic development, with over 60 million registered nationwide by Q3 2025, and private enterprises accounting for 57% of China's total foreign trade [1] - Chongqing, as a central economic hub, relies on small and micro enterprises for regional economic vitality, yet they face challenges in financing [1] Financing Challenges - The financing difficulties for small and micro enterprises primarily stem from two issues: the urgent need for large short-term funds to support business expansion and the increasing difficulty in maintaining cash flow due to rising labor and material costs alongside shrinking fixed assets [2] - Chongqing aims for a GDP growth of around 6% in 2025, with small and micro enterprises playing a crucial role in this growth, leading to an expanding demand for financing [2] Innovative Financing Solutions - Ping An Rongyi has developed AI risk control models and big data analysis to reduce financing approval times to within 24 hours, with a maximum loan limit of 5 million yuan [2] - Core products such as "Zhai e Loan," "Micro Business Loan Preferred Invoice Scheme," and "Car e Loan" are designed to address the two main pain points of small and micro enterprises [2] Case Studies - A construction company in Chongqing faced a funding gap for a new project due to long payment cycles and lack of sufficient collateral. With the "Micro Business Loan Preferred Invoice Scheme," they secured 2 million yuan without collateral, enabling them to successfully undertake the project and stimulate surrounding industries [3] - In the Chongqing Free Trade Zone, a trading company needed 1 million yuan within a week to secure a supply chain opportunity. Utilizing the "Car e Loan" product, they received the funds on the same day, allowing them to capitalize on the opportunity [5] Service Philosophy - The service approach of Ping An Rongyi emphasizes deep engagement with clients, with a focus on building trust through frequent interactions and professional expertise [6] - The company’s diverse financing products, including "Micro Business Loan Preferred Invoice Scheme" and "Car e Loan," provide robust support for small and micro enterprises [6]

Group 1: Economic Development in Chongqing - In the context of the deepening construction of the Chengdu-Chongqing economic circle, small and micro enterprises in Chongqing are experiencing robust growth, with a total value added of 123.67 billion yuan in Q1, a year-on-year increase of 11.0% [1] - The total profit of small and micro enterprises reached 27.36 billion yuan, up 11.5% year-on-year, while tax payments amounted to 22.63 billion yuan, reflecting an 8.7% increase [1] - By the end of 2024, the number of small and micro enterprises in Chongqing is expected to reach 1.187 million, playing a crucial role in local economic growth and employment [1] Group 2: Financial Services by Ping An Rongyi - Ping An Rongyi has focused on serving the long-tail small and micro enterprises for 19 years, establishing a mature intelligent risk control model and operational capabilities across approximately 200 cities [2] - The company integrates big data, cloud computing, and artificial intelligence to provide convenient, efficient, and flexible financial solutions for small business owners [2] - As of Q1 2025, Ping An Rongyi's Chongqing branch has a loan balance of 2.408 billion yuan, with small and micro enterprises accounting for 66.1% of this amount [3] Group 3: Success Stories of Small Enterprises - Mr. Wu, who has been in the construction industry for over 20 years, successfully obtained 1 million yuan in financing through Ping An Rongyi's "Che e Loan" product, which significantly boosted his business development [3] - Over seven years, Mr. Zhang's business transformed from a small-scale operation to an intelligent factory, supported by multiple financing solutions from Ping An Rongyi, including a 1 million yuan loan [3] - The financing services provided by Ping An Rongyi are described as simple and efficient, with dedicated consultants offering timely support to small enterprises facing financial challenges [3]