Core Insights - Postal Savings Bank of China in Qiandongnan Prefecture successfully processed its first batch guarantee loan of 3 million yuan for small enterprises, addressing the financing difficulties faced by micro and small businesses [1][4] - The loan was described as a "timely rain" by a trade company representative, highlighting the urgent need for funds during the peak season [4] Group 1: Business Model Innovation - The successful implementation of this loan marks a breakthrough in the bank's cooperation model with guarantee institutions, utilizing a digital platform for seamless information exchange [6] - The new model features a fully online process that simplifies procedures, reduces costs, and enhances risk control, allowing for loan processing to be completed in just 3 working days [6] Group 2: Empowering Inclusive Finance - The launch of the batch guarantee loan service responds to national policies aimed at increasing financing access, reducing costs, and improving quality for small enterprises [8] - The initiative aims to break down information barriers between banks and guarantee institutions, enabling more light-asset small businesses to receive credit support [8] Group 3: Future Outlook - The bank plans to expand the batch guarantee loan service across eight key sectors, aiming for over 90% of business transactions to be processed online [10] - The ongoing promotion of this model is expected to foster a new landscape of inclusive finance, revitalizing small enterprises and contributing to regional economic growth [10]