日前，中信百信银行冠名的"百姓的信心银行"高铁专列正式启程，这趟"信心号"高铁专列满载着千家万户对新年团圆、生活顺遂的美好期许，穿梭于上海、 北京、深圳、南京、苏州等城市，驰骋于长三角、珠三角等核心经济带沿线，以可信赖的普惠金融服务与诚意十足的福利活动，陪伴乘客奔赴新年旅程，让 金融信心一路温暖护航。 此次高铁专列亮相，是中信百信银行继发布《百姓的信心银行》全新品牌宣传片、打造北京朝阳门"信心储值站"地铁快闪活动之后，进一步将"百姓的信心 银行"品牌理念深度融入高铁出行生活场景的又一创新实践。 责任编辑：山上 本次"信心号"列车在座椅头巾处设置了专属二维码，乘客扫码添加官方企业微信即可报名参与活动赢品牌限定惊喜福利。同时，也可扫码进入个人信贷产品 活动页面，便捷申请春节备用金。针对新用户，该信贷产品还推出30天免息福利，切实为乘客新春资金周转提供便利。 深耕数字普惠赛道，托举美好生活信心 以高铁为载体传递金融信心，彰显了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。成立八年来，该行始终秉持审慎稳健的经营策略，深耕数 字普惠金融，依托数智优势和金融科技禀赋，精准覆盖新市民、小微企业主及家庭用户等多元客群 ...

在科技赋能金融服务方面，中信百信银行充分发挥金融科技的优势，自主研发了服务于小微企业的产业 数字化解决方案"百链系统"。该系统以数字信用为核心，重塑传统风控评估体系，通过整合多源数据与 人工智能模型，实现对企业的"动态经营画像"构建，为无抵押授信提供坚实依据。全流程自动化操作使 得审批效率整体提升约65%，部分场景可实现"分钟级放款"。通过深度挖掘税票、流水等真实经营信 息，系统基于企业实时经营轨迹的风险定价与信贷决策，动态调整授信额度与利率，使金融服务能弹性 匹配企业经营波动，让小微企业能够"敢贷、愿贷、能贷"，有效提升了普惠金融服务的可得性。 未来，中信百信银行将持续深化普惠金融实践，加大金融科技投入，提升金融服务质效，为更多小微企 业提供更可得、更便捷的普惠金融服务。同时，还将不断探索普惠金融的新路径、新模式，为经济高质 量发展注入强劲动力。 近日，在北京举行的金融界"启航·2025金融年会"上，中信百信银行凭借其"看见一百个信心的朝向"普 惠金融公益品牌推广计划项目的创新实践成果荣获"杰出社会责任奖"。该奖项不仅是对其在普惠金融领 域持续创新与实践的充分肯定，也是对其积极履行社会责任、助力实体经济、支 ...

Core Viewpoint - The article emphasizes the role of Citic Baixin Bank in supporting small and micro entrepreneurs through its "Seeing a Hundred Directions of Confidence" public welfare promotion plan, aiming to enhance their operational confidence and innovation capabilities [1][2]. Group 1: Support for Entrepreneurs - Citic Baixin Bank aims to assist small business owners in achieving innovative operations and promotional development, providing stable, efficient, and inclusive financial support [1][2]. - The bank's initiatives are designed to help entrepreneurs overcome initial uncertainties and challenges, likening the entrepreneurial journey to pushing a heavy flywheel that requires significant effort to start [2][4]. Group 2: Financial Products and Services - The "Business Loan" product from Citic Baixin Bank is tailored to meet the short-term, high-frequency, and urgent funding needs of small businesses, allowing for flexible borrowing and repayment [4][8]. - The "Entrepreneur Guarantee Loan," introduced under government guidance, addresses financing pain points for small enterprises by leveraging credit and tax data for efficient loan approval [6][8]. Group 3: Impact and Growth - As of the end of Q3 2025, Citic Baixin Bank's inclusive small micro-loan balance reached 12.703 billion, reflecting a 39.58% increase since the beginning of the year, with funds directed towards key sectors like wholesale retail and hospitality [8][9]. - The bank's efforts contribute to the broader economic landscape by empowering individual entrepreneurs, which collectively can drive local and national economic innovation [9].

清晨，北京三里屯的塔挞门店，工作人员已经开始忙碌。随着烤箱"叮"的一声轻响，裹挟着浓郁黄油香 与焦糖气息的热浪瞬间弥漫开来。从一枚小小的蛋挞起步，能否实现扩店、扩片的目标？在创立塔挞的 时候，怀揣着"蛋挞宇宙"想法雏形的90后创业者叶上珠，其实并不确定自己能走多远。 如果说陶勇的坚守是飞轮最初的内生动力，那么来自政府与金融机构的外部支持，便是为飞轮加速 的"助燃剂"。"2020年，政府给我们发放了房租补贴，大大减轻了资金压力。后来，中信百信银行又为 我们提供了低利息的'创业担保贷'，一个星期就办下来了，相当于给我们注入了鲜活生命力。"陶勇坦 言，正是这些合力支持，让他能把更多精力聚焦于餐饮本身的经营与打磨。 陶勇口中的"创业担保贷"，是中信百信银行在政府指导下推出的贴息产品。针对小微企业的融资痛点， 该行在财政金融相关部门牵引下，引入专业担保公司，基于企业信用与纳税数据进行授信，让政策红利 精准落地到企业经营中。 这样的不确定性，几乎是所有小微创业者的共同起点。商业战略大师Jim Collins在其著作《从优秀到卓 越》中，将企业的发展比作推动一个沉重的飞轮——刚开始需要耗费巨大的努力，然而当它达到一定速 度 ...

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][3] Group 1: Small and Micro Enterprises - Small and micro enterprises are described as the "capillaries" of economic development, with their collective confidence contributing to the macroeconomic foundation [2] - The article illustrates the struggles of small business owners like Tao Yong, who faced unstable customer flow and tight cash flow during the early stages of their ventures [1][2] - The "Seeing a Hundred Directions of Confidence" initiative aims to showcase the stories of small business owners and provide them with the necessary support to overcome financing challenges [1][2] Group 2: Financial Support and Collaboration - The collaboration between government, banks, and media is emphasized as a model for supporting small enterprises, with the government guiding financial resources and banks providing tailored financial products [2][3] - The "Entrepreneurial Guarantee Loan" offered by Citic Baixin Bank is highlighted as a low-interest, quick-access financing option that helps small businesses overcome collateral challenges [2][3] - The article mentions the "Business Loan" product, which allows for flexible borrowing and repayment, catering to the unique cash flow needs of small enterprises [3][4] Group 3: Digital Empowerment and Growth - Citic Baixin Bank's digital inclusive finance approach is presented as a means to enhance the breadth and depth of financial services for small businesses [3][4] - The "Bailian System" is introduced as a digital solution that utilizes data and AI models to provide unsecured credit assessments for small enterprises [3][4] - As of the end 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 [5]

Core Insights - The article highlights the evolution of inclusive finance from merely existing to providing quality services, while addressing ongoing challenges such as uneven coverage, low service efficiency, and mismatched supply and demand [1][2] Group 1: Industry Challenges - The inclusive finance sector faces structural imbalances, with traditional financial institutions struggling to reach small and micro enterprises and new citizens due to operational costs and risk management constraints [2] - Long-tail inclusive customer groups often encounter difficulties in financing and service access due to a lack of collateral, credit history, and data [2] Group 2: Company Initiatives - Citic Baixin Bank, as a state-controlled digital bank, aims to fill the gaps in the inclusive finance service system by focusing on unmet financial needs [2] - The bank's brand campaign emphasizes three representative groups: young people seeking homes, small business owners needing capital, and middle-class families planning wealth [2] - By June 2025, Citic Baixin Bank had served over 100 million users, with new citizens making up more than half of this number, and its inclusive small and micro loans reached 12.703 billion yuan, a 39.58% increase from the beginning of the year [2] Group 3: Technological Innovations - The bank has fundamentally transformed the logic of inclusive finance through digital technology, shifting from "people seeking money" to "money adapting to people" [3] - Citic Baixin Bank leverages technologies such as AI, big data, and cloud computing to create a digital banking model that is agile, intelligent, and secure [4] - The "Bai Lian System" enhances financing efficiency by using digital credit to reshape assessment systems, achieving a 65% increase in approval efficiency and enabling minute-level loan disbursement in certain scenarios [4] Group 4: Risk Management and Customer Experience - The bank employs the "Bai Xin Fen" and "ModelOps System" for risk management, improving the efficiency of risk model iteration by 160% and expanding the risk management radius [4] - The "Lingxi" intelligent assistant covers 80% of customer service scenarios, allowing users to complete transactions through simple commands, thus enhancing service experience [5] Group 5: Systemic Approach to Inclusive Finance - The successful implementation of high-quality inclusive finance services relies on a systemic capability that combines scene cultivation, technological iteration, and ecological collaboration, rather than solely on policy guidance or product stacking [6]

Core Insights - The article highlights the challenges faced by small and micro enterprises in China, particularly in the restaurant and outdoor industries, and how financial support from institutions like CITIC Baixin Bank is crucial for their growth and sustainability [2][4][5]. Group 1: Challenges Faced by Small Enterprises - Small enterprises often encounter difficulties such as financing challenges, weak risk resistance, and operational management issues [2][3]. - Entrepreneurs like Tao Yong and Liu Jiajia illustrate the struggles of initial customer acquisition, cost management, and competition in their respective industries [3][5]. Group 2: Financial Solutions Provided - CITIC Baixin Bank has introduced financial products like "Entrepreneur Guarantee Loan" and "Business Loan" to address the financing difficulties of small enterprises [4][5]. - The "Entrepreneur Guarantee Loan" is characterized by no collateral requirements and low interest rates, providing timely financial support to businesses [3][4]. - The "Business Loan" is a fully online digital financial product that utilizes dynamic operational data to facilitate quick approvals and disbursements [5][6]. Group 3: Collaborative Financial Ecosystem - The collaboration between government, banks, and media forms a "policy guidance + financial empowerment + media communication" ecosystem that supports small enterprises [8][9]. - Government agencies play a crucial role in policy support and resource coordination, while banks leverage digital technology to innovate financial products [7][8]. - Media outlets like Xinhua Net contribute by promoting small business stories, enhancing public trust, and ensuring the effectiveness of financial services [7][8]. Group 4: Impact on the Economy - As of Q3 2025, CITIC Baixin Bank's inclusive small and micro loans reached 12.703 billion yuan, reflecting a 39.58% increase from the beginning of the year, indicating effective financial resource allocation to key industries [7]. - The bank's approach not only addresses the financing pain points of small enterprises but also fosters the growth of emerging industries [6][9].

Core Insights - The article emphasizes the importance of "confidence" as a crucial support for individuals and businesses in their financial journeys, highlighting the role of CITIC Baixin Bank in fostering this confidence through digital banking solutions [1][8] Group 1: Bank's Mission and Technology - CITIC Baixin Bank has positioned itself as a "testbed" and "innovator" in the digital finance sector since its establishment in 2017, focusing on leveraging technology to enhance operational efficiency and provide benefits to the public [2] - The bank's proprietary "Bai Lian System" represents its technological foundation, enabling real-time data integration for small and micro enterprises, which facilitates unsecured credit and precise risk pricing, improving overall approval efficiency by 65% [3] Group 2: User-Centric Financial Services - The bank's services are designed to be embedded in users' daily lives, transforming financial solutions into accessible tools that address immediate needs, particularly for new urban residents [4] - Products like "Hao Hui Hua·Jie Qian" and "Sheng Yi Dai" cater to specific user needs, with the former allowing loans up to 300,000 yuan and the latter offering flexible repayment options, contributing to a total of 127.03 billion yuan in inclusive small micro loans by September 2025, a 39.58% increase from the beginning of the year [3][5] Group 3: Financial Empowerment and Growth - The bank's offerings, such as "Yue Yue Zan" and "Qi Tian Bao," encourage savings and financial planning, helping families achieve their financial goals while providing a sense of security [6] - The integration of AI technology in services, such as the "CITIC Baixin Bank Microservice" on WeChat, enhances user experience by allowing simple commands for banking tasks, achieving an 82% AI-assisted resolution rate [7] Group 4: Vision for the Future - CITIC Baixin Bank aims to create a value co-creation ecosystem by using technology to empower financial services, ensuring that "confidence" becomes an invisible support for individuals pursuing their dreams [8]

Core Insights - The article highlights the role of CITIC Baixin Bank in empowering small and micro enterprises through digital inclusive finance, showcasing individual success stories of entrepreneurs who have benefited from the bank's support [1][2][3]. Group 1: Entrepreneurial Support - CITIC Baixin Bank launched the "Seeing a Hundred Directions of Confidence" public welfare program in collaboration with Xinhua News, aimed at providing "financing + brand promotion" support to small and micro enterprises [1]. - The bank's "Entrepreneurial Guarantee Loan" has been instrumental for entrepreneurs like Tao Yong, who faced challenges in managing his restaurant, allowing him to focus on business operations without financial worries [2][3]. - Liu Jiajia, founder of the camping brand "Ye Mang Mang," utilized the bank's business loan to expand his product offerings and improve services, demonstrating the bank's understanding of the unique needs of small businesses [3]. Group 2: Digital Financial Solutions - CITIC Baixin Bank addresses the common pain points of small enterprises, such as "difficult, expensive, and slow financing," by leveraging its "Bailian System" for digital credit assessment [4]. - The bank's system enhances approval efficiency by 65% and enables "minute-level disbursement," allowing for rapid access to funds based on real-time business data [4]. - By utilizing dynamic operational data, the bank can provide more accurate risk pricing and flexible funding solutions, encouraging small businesses to seek loans [4]. Group 3: Collaborative Ecosystem - The "Seeing a Hundred Directions of Confidence" initiative integrates policy, finance, and media to create a supportive ecosystem for small enterprises [5][6]. - The program involves local government agencies actively engaging with businesses to understand their challenges and promote supportive policies [5]. - The collaboration between policy, finance, and media aims to build a sustainable ecosystem that enhances brand visibility and financial support for small businesses [6].

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 ...