三里屯清晨的蛋挞香漫过街巷，惠通时代广场里徽忆餐厅的徽菜鲜浸润舌尖，郊区露营地的青草气 裹着微风——这些城市烟火背后，藏着小微企业主们的奋斗故事。90后叶上珠、安徽籍厨师陶勇、创业 者刘吉嘉，他们的创业路各有坎坷，却都在中信百信银行数字普惠金融的精准赋能中，找到了把生意做 下去、做更好的信心。 2025年，在北京市朝阳区发改委、金融工作事务中心指导下，中信百信银行携手新华网发起"看见 一百个信心的朝向"公益计划，以"政银媒协同"模式，为小微企业送去"融资+品牌推广"双赋能。作为国 有控股数字普惠银行，中信百信银行始终以服务小微企业、激活实体经济为初心，用数字金融的温度托 起每一份踏实经营的小生意，让生意人多了敢闯敢拼的信心。 懂生意的金融：把支持嵌进创业每一步 在餐饮江湖打拼的陶勇，1999年背着行囊来京学厨时，他或许没料到，自己会在2016年开出一家承 载家乡味的徽忆餐厅，更没料到创业初期会遇到客源不稳、团队管理的难题。陶勇曾感慨："管理人比 管理菜难太多了。" 在政府的帮扶基础上，中信百信银行的创业担保贷成了陶勇的"定心丸"。"创业担保贷"精准适配餐 饮小微企业轻资产特性，免担保、低利息且叠加政府贴息，大 ...

2025年，国家发布多项提振信心政策，如何让金融"活水"精准滴灌至这些微观主体，成为破解民生与经 济难题的关键。 过去，金融机构多以"资金提供方"的角色参与普惠服务，聚焦于解决小微企业"钱从哪来"的问题，但随 着市场环境的变化，仅靠资金支持已无法满足小微企业全生命周期的成长需求——它们既需要灵活高效 的融资服务应对经营波动，也需要数字化产品提升运营效率，更期待通过品牌赋能和资源对接打开市 场。 在此背景下，在北京市朝阳区发展和改革委员会、北京市朝阳区金融工作事务中心的指导下，中信百信 银行携手新华网共同发起"看见一百个信心的朝向"普惠金融公益推广计划。该计划作为为企业提供 从"资金支持"转向"生态构建"的实践样本，成功入选由21世纪经济报道主办的2025年21世纪金融竞争力 优秀案例"年度典型普惠金融案例"。 如何将政策红利与数字金融创新，精准对接小微企业真实成长需求？如何以切实服务传递信心，让每一 份坚守获得回响？中信百信银行的探索，正在为普惠金融的深化提供新路径。 创业担保贷，破解小微"融资焦虑" 小微企业融资难的核心症结，始终绕不开"缺抵押、成本高"两大痛点。 在国民经济的毛细血管中，小微企业是最具活力 ...

在国民经济的毛细血管中，小微企业是最具活力的细胞——它们承载着创业梦想、吸纳着大量就业，更 孕育着市场创新的无限可能。但与此同时，"缺抵押、融资贵、贷款慢" 现实困境，也是小微企业不得 不面对的现实困境。 2025年，国家发布多项提振信心政策，如何让金融"活水"精准滴灌至这些微观主体，成为破解民生与经 济难题的关键。 过去，金融机构多以"资金提供方"的角色参与普惠服务，聚焦于解决小微企业"钱从哪来"的问题，但随 着市场环境的变化，仅靠资金支持已无法满足小微企业全生命周期的成长需求——它们既需要灵活高效 的融资服务应对经营波动，也需要数字化产品提升运营效率，更期待通过品牌赋能和资源对接打开市 场。 在此背景下，在北京市朝阳区发展和改革委员会、北京市朝阳区金融工作事务中心的指导下，中信百信 银行携手新华网共同发起"看见一百个信心的朝向"普惠金融公益推广计划。该计划作为为企业提供 从"资金支持"转向"生态构建"的实践样本，成功入选由21世纪经济报道主办的2025年21世纪金融竞争力 优秀案例"年度典型普惠金融案例"。 创业担保贷， 破解小微"融资焦虑" 小微企业融资难的核心症结，始终绕不开"缺抵押、成本高"两大痛点 ...

在国民经济的毛细血管中，小微企业是最具活力的细胞——它们承载着创业梦想、吸纳着大量就 业，更孕育着市场创新的无限可能。但与此同时，"缺抵押、融资贵、贷款慢" 现实困境，也是小 微企业不得不面对的现实困境。 2 0 2 5年，国家发布多项提振信心政策，如何让金融"活水"精准滴灌至这些微观主体，成为破 解民生与经济难题的关键。 过去，金融机构多以"资金提供方"的角色参与普惠服务，聚焦于解决小微企业"钱从哪来"的 问 题 ， 但 随 着 市 场 环 境 的 变 化 ， 仅 靠 资 金 支 持 已 无 法 满 足 小 微 企 业 全 生 命 周 期 的 成 长 需 求 ——它们既需要灵活高效的融资服务应对经营波动，也需要数字化产品提升运营效率，更期 待通过品牌赋能和资源对接打开市场。 在 此 背 景 下 ， 在 北 京 市 朝 阳 区 发 展 和 改 革 委 员 会 、 北 京 市 朝 阳 区 金 融 工 作 事 务 中 心 的 指 导 下，中信百信银行携手新华网共同发起"看见一百个信心的朝向"普惠金融公益推广计划。该 计划作为为企业提供从"资金支持"转向"生态构建"的实践样本，成功入选由2 1世纪经济报道 主办的2 ...

Core Viewpoint - The article highlights the challenges faced by small and micro enterprises in China, particularly regarding financing difficulties, and emphasizes the importance of collaborative support from financial institutions, government, and media to empower these businesses [1][2]. Group 1: Challenges Faced by Small and Micro Enterprises - Small and micro enterprises are described as the "capillaries" of the economy, with their confidence contributing to the overall economic strength [2]. - Entrepreneurs like Tao Yong experience unstable customer flow and tight cash flow, reflecting the struggles of many small business owners [1]. Group 2: Collaborative Support Initiatives - The "Seeing a Hundred Directions of Confidence" public promotion plan initiated by Citic Baixin Bank aims to support small and micro enterprises through storytelling and media engagement [1][2]. - The collaboration involves government as a policy guide, Citic Baixin Bank providing tailored financial products, and media amplifying the stories of entrepreneurs [2][3]. Group 3: Financial Products and Innovations - Citic Baixin Bank offers products like the "Entrepreneur Guarantee Loan," which provides low-interest, collateral-free loans to small businesses, facilitating easier access to financing [2][3]. - The "Business Loan" product is designed for the unique cash flow characteristics of small enterprises, allowing flexible borrowing and repayment options [3][4]. Group 4: Digital Empowerment and Growth - The "Bailian System" is introduced as a digital solution that utilizes data and AI to assess creditworthiness without requiring collateral, enhancing the financing process for small businesses [3][4]. - As of Q3 2025, the balance of inclusive small micro loans reached 12.703 billion, reflecting a significant growth of 39.58% since the beginning of the year [4].

Core Insights - The article highlights the challenges faced by small and micro enterprises in China, particularly in accessing financing, and emphasizes the importance of supporting their confidence and growth [1][2]. Group 1: Support for Small and Micro Enterprises - The "Seeing a Hundred Directions of Confidence" initiative by Citic Baixin Bank aims to support small and micro enterprises by telling their stories and providing financial assistance [1][2]. - The collaboration between government, banks, and media is crucial in providing tailored financial solutions and resources to small businesses, addressing issues like collateral difficulties [2][3]. Group 2: Financial Products and Innovations - Citic Baixin Bank offers innovative financial products such as the "Entrepreneur Guarantee Loan," which provides low-interest, collateral-free loans to small businesses [2][3]. - The "Business Loan" product is designed for the unique cash flow needs of small enterprises, allowing for flexible borrowing and repayment terms [3][4]. Group 3: Digital Transformation and Growth - The bank has developed the "Bailian System," a digital solution that utilizes data and AI to assess creditworthiness without requiring collateral, thus enhancing access to financing for small businesses [3][4]. - As of the end of Q3 2025, the balance of inclusive small micro loans reached 12.703 billion, reflecting a significant year-to-date growth of 39.58% [4].

地铁未到站，信心已到账。11月13日，中信百信银行在北京地铁6号线朝阳门站，启动了一场趣味十足的品牌快闪活动。此前，该行发布了全新品牌宣 传片《百姓的信心银行》，传递数字普惠金融服务托举千家万户追求美好生活的信心的品牌主张。此次快闪活动则进一步强化 "信心"这一品牌理念，用户 可通过互动领取专属的"MBTI人格信心储值卡"，该行品牌IP形象"百小旺"也首次线下亮相。 据了解，此次快闪活动将持续至12月10日，中信百信银行以年轻化、互动化、趣味化的社交玩法，与年轻群体建立更深的情感共鸣，为用户在生活进阶 的每个关键时刻注入金融信心。 点亮美好生活，在人潮中构建"信心支点" 早晚高峰的地铁站里，步履匆匆的"早八人"规划着生活进阶的蓝图；擦肩而过的小微创业者，琢磨着经营周转难题；初为父母的年轻人，牵挂着家庭未 来的财富规划。在充满不确定因素的时代背景下，"信心"已然成为人们追寻美好生活的核心诉求。 基于对大众情绪变化的精准把握，中信百信银行选择地铁站这一贴近日常生活的场景，将金融服务融入生活肌理，用实际行动托举每一个人生的关键时 刻。这背后，则彰显着中信百信银行作为国内首家国有控股数字银行的责任与担当—— 自201 ...

Core Insights - The article highlights the challenges and resilience of small and micro enterprises in the current economic landscape, emphasizing their importance in supporting local communities and livelihoods [1][2] - The "Seeing a Hundred Directions of Confidence" public promotion plan, initiated by Citic Baixin Bank in collaboration with Xinhua News, aims to provide multi-dimensional support to small and micro enterprises through government guidance, financial assistance, and media outreach [1] Group 1: Company Initiatives - Citic Baixin Bank's business loan product focuses on addressing the financing difficulties faced by small and micro enterprises, offering quick and convenient online financial services to help entrepreneurs [2] - The collaboration with Xinhua News and the Chaoyang District government aims to enhance the visibility and support for small businesses, showcasing their stories and contributions to the economy [1][2] Group 2: Industry Challenges - The outdoor rental market is experiencing intensified competition due to the rising popularity of camping, leading to increased storage costs and a surge in customer demand for diverse equipment [2] - Small and micro enterprises, like Liu Jiajia's "Ye Mang Mang" outdoor brand, are navigating these challenges by expanding product offerings and upgrading services to maintain a competitive edge [2]

Core Insights - The article highlights the challenges faced by small and micro enterprises in Beijing, particularly in terms of funding, resources, and confidence, while emphasizing the importance of support from government and financial institutions [1][5]. Group 1: Support for Small Enterprises - The "Seeing One Hundred Directions of Confidence" public promotion plan initiated by Citic Baixin Bank and Xinhua News aims to provide multi-dimensional support for small and micro enterprises, including policy alignment, resource empowerment, and brand promotion [1]. - The plan is guided by the Beijing Chaoyang District Development and Reform Commission and the Financial Work Office, showcasing a collaborative effort to bolster small businesses [1]. Group 2: Entrepreneurial Journey of Tao Yong - Tao Yong, the owner of Huiyi Restaurant, faced significant challenges during the initial phase of his business, including unstable customer flow and management difficulties [3]. - Government support included a rent exemption for nearly six months, which alleviated financial pressure, while Citic Baixin Bank provided a "Entrepreneurial Guarantee Loan" that was quick to process and had low interest rates [5]. - Tao Yong's commitment to promoting Anhui cuisine reflects a deeper motivation beyond profit, focusing on preserving cultural heritage and gaining customer recognition [5]. Group 3: Financial Services for Small Enterprises - Citic Baixin Bank addresses the specific financial needs of small enterprises by offering tailored financial products like "Entrepreneurial Guarantee Loans" and "Business Loans," which are designed to meet the urgent and frequent funding requirements of these businesses [7]. - The initiative aims to ensure that financial resources are effectively channeled into every aspect of small business operations, facilitating smoother entrepreneurial journeys [7].

Core Viewpoint - The interest rates for business loans, both secured and unsecured, have been declining, with some rates reaching historical lows, but the demand for such loans remains limited due to reduced funding needs from businesses [1][4]. Group 1: Secured Business Loans - Some banks are offering secured business loans with interest rates as low as 2.35%, with loan amounts up to 20 million yuan, but individual enterprises can only borrow up to 10 million yuan [2]. - The repayment terms for these loans can be structured as interest-first or equal principal and interest, with a requirement for one year before repayment begins [2]. - The current interest rates represent a decrease of approximately 0.3 percentage points compared to the end of 2023, where rates were around 2.7% [2]. Group 2: Unsecured Business Loans - Unsecured business loans are also seeing a decline in interest rates, with some products starting at a base rate of 3% and special rates as low as 2.68% for select customers [3]. - Another bank offers an unsecured loan product with a maximum limit of 3 million yuan and a minimum interest rate of 3% [3]. - A city commercial bank has introduced a personal business loan product with a limit of 300,000 yuan and an interest rate as low as 3.0% [3]. Group 3: Market Demand and Trends - Despite the declining interest rates, the demand for business loans is relatively low, with a limited number of eligible clients, making it challenging for banks to increase loan disbursements [4]. - Recent data indicates that the average interest rate for newly issued corporate loans is around 3.43%, down from 3.2% earlier in the year, reflecting a decrease of 23 basis points [4]. - The People's Bank of China reported a decrease in new loans, with a total of 620 billion yuan in new loans issued in May, which is a year-on-year decrease of 330 billion yuan [4].