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 ...