Core Viewpoint - China Bank Ningbo Branch has made significant strides in promoting inclusive finance and supporting the development of small and micro enterprises, achieving a milestone with over 20,000 clients by mid-2025, reflecting an average annual growth rate of nearly 40% over the past three years [1] Group 1: Financial Products and Services - The bank has introduced various innovative financial products such as "Specialized, Refined, New Loans," "Science and Technology Loans," and "Talent Loans," providing over 17.5 billion yuan in credit to nearly 700 specialized enterprises in Ningbo [2] - The bank has developed an online product called "Export E-Loan" to support small foreign trade enterprises, enhancing financial services in line with national policies [2] - A "risk-sharing" model has been established in collaboration with financing guarantee and insurance companies to strengthen credit support for enterprises, with an increasing proportion of inclusive credit loans [2] Group 2: Employment and Community Support - The bank has launched "Hui Chuang Loan" and "Chuang Dan Loan" to support employment and entrepreneurship for veterans and university graduates, providing 16.1 billion yuan in credit support to approximately 1,900 clients, benefiting around 110,000 people [3] - The bank has implemented policies for loan renewals, offering nearly 6 billion yuan in support through products like "Relay Tongbao" and "Renew E-Loan" [3] Group 3: Future Directions - The bank aims to deepen its commitment to financial services that prioritize the public and enhance the role of inclusive finance in supporting the local economy [3]

Core Viewpoint - The private economy is a vital force in promoting China's modernization and high-quality development, with financial institutions like China Bank in Henan Province playing a crucial role in supporting this sector through innovative financial services and products [1] Group 1: Support for Private Enterprises - China Bank in Henan has implemented various measures to support the development of private enterprises, enhancing the innovation, inclusiveness, and professionalism of financial services [1] - The bank has established a "three-level coordination" rapid response mechanism to address the financing needs of small and micro enterprises, providing credit support exceeding 32 billion yuan to over 40,000 recommended clients [2] - The bank's efforts include setting up "one-stop service points" in multiple counties to ensure precise allocation of credit funds [2] Group 2: Addressing Financing Challenges - The bank aims to enhance the adaptability of financial supply to the needs of the private economy, acting as both a supportive partner and a stabilizing force for enterprises facing financial difficulties [3] - A specific case highlighted the bank's quick response to a client's cash flow issues, providing 8.3 million yuan in loans within two days after assessing the company's situation [3] Group 3: Innovation and Technology Support - Private enterprises in Henan contribute nearly 65% of the province's technological innovation, prompting the bank to develop specialized credit models for technology-driven companies [4] - A notable example includes a hydrogen liquefaction equipment manufacturer that received 10 million yuan in credit support, demonstrating the bank's focus on evaluating technological and talent value rather than traditional asset-based assessments [4] - The bank plans to continue enhancing high-quality financial supply to foster the growth of private enterprises and contribute to the high-quality development of the real economy [4]