转自：新华财经 为深入贯彻落实金融支持实体经济的决策部署，有效破解小微企业融资难、担保难问题，日前，招商银 行青岛分行与青岛高创科技融资担保有限公司深化银担合作，成功落地青岛市首单批量担保线上融资业 务。此举标志着双方在普惠金融服务领域取得新突破，为小微企业融资探索出更加便捷、高效的新路 径。 据悉，招商银行青岛分行通过该模式成功为青岛某物流有限公司发放贷款300余万元。该企业为典型的 轻资产运营小微企业，因缺乏足额抵押物，在传统融资渠道中面临较大困难。通过批量担保线上融资业 务，企业快速获得资金支持，有效缓解了经营周转压力。 创新协同模式 提升融资可得性 此次落地的批量担保线上融资业务，是招商银行青岛分行积极响应人民银行银担合作工作部署，依托金 融科技优势，创新推出的融资服务模式。该模式打破传统信贷对抵押物的依赖，具有"无需抵押、线上 申请、快速放款"的显著特点。通过"银行+担保"的协同机制，有效整合双方风控资源，简化审批流程， 显著提升了小微企业融资的可获得性与便利性。 设立专项额度 注入发展新动能 为精准对接小微企业"短、小、频、急"的资金需求，招商银行青岛分行专门设立近3亿元专项额度，通 过批量担保合 ...

Group 1 - The core issue of financing difficulties for small and micro enterprises has been exacerbated by the current economic situation, prompting efforts to find solutions [1] - China Merchants Bank's Qingdao branch has successfully implemented the first batch guarantee online financing business in collaboration with Qingdao High-tech Financing Guarantee Co., aiming to enhance inclusive financial services [1][2] - The new online loan batch guarantee model introduced by China Merchants Bank features no collateral, online application, and rapid disbursement, effectively addressing the financing challenges faced by small and micro enterprises [2] Group 2 - A special fund of nearly 300 million yuan has been established to meet the short-term and urgent funding needs of small and micro enterprises, providing tailored financing solutions [3] - This initiative not only alleviates financing pressure on enterprises but also promotes employment stability and industrial upgrading, contributing to high-quality regional economic development [3] - The collaboration reflects China Merchants Bank's commitment to serving the local real economy and aligns with national policies aimed at building a government financing guarantee system [4]