作为金融"五篇大文章"之一，普惠金融的高质量发展，不仅是深圳建设全球金融创新中心的重要一环， 更是连接金融与民生，赋能实体经济的纽带。中信银行深圳分行深入学习贯彻党的二十届四中全会精 神，紧扣国家战略部署，立足深圳产业特色，以机制革新打破壁垒，以产品创新回应需求，以数字赋能 拓宽边界。截至2025年9月末，该行普惠贷款规模持续攀升，年内累计投放普惠法人贷款百余亿元，让 普惠金融的阳光照亮更多小微企业的成长赛道。 多方协同：打造融资"高速通道" 小微企业融资难，最典型的问题之一便是信息不对称、服务链条长。为破解这一痛点，中信银行深圳分 行主动构建"政银企"协同生态，将国家小微企业融资协调政策落到实处。依托"进万企-信服惠企"专项 行动，该行深入园区、走访企业，摸清不同行业的融资需求；创新设立"支行联系人"制度，从业务对 接、尽职调查到贷款审批、放款跟进，实现全流程"专人对接、快速响应"，通过充分发挥机制优势，简 化审批流程，大幅提升服务效率，让企业不用再"多头跑、反复问"。 深圳小微企业类型多样，既有深耕技术的"专精特新"企业，也有扎根供应链的配套厂商，还有服务民生 的中小商户，单一产品难以满足差异化需求。对此 ...

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]