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 Viewpoint - CITIC Bank Shenzhen Branch has been committed to serving the economic and social development of Shenzhen for 37 years, focusing on various financial services including technology finance, green finance, inclusive finance, pension finance, and digital finance to meet national and public needs [1]. Technology Finance - The bank supports semiconductor companies in Shenzhen, providing credit loans during the R&D phase and flexible financing options post-IPO to enhance production capacity and market expansion [2]. - CITIC Bank aims to create a technology finance ecosystem by collaborating with government, private equity, and research institutions to support startups and their diverse financing needs [3]. - The bank offers comprehensive financial services throughout the lifecycle of technology companies, having supported over 200 specialized enterprises in becoming national "little giants" and assisting 18 companies in listing on the A-share market [4]. Green Finance - The bank actively promotes green finance to support the dual carbon strategy, enhancing its green financial service capabilities and risk management [5][7]. - A specific case involved providing a 60 million yuan green loan to a new materials company to alleviate short-term liquidity issues caused by increased procurement costs for environmentally friendly materials [6]. - As of September 2025, the bank's green loan balance reached 26.9 billion yuan, a 54% increase from the beginning of the year, reflecting strong growth in green financing [7]. Inclusive Finance - CITIC Bank has enhanced its inclusive finance services, with over 12 billion yuan in loans to small and micro enterprises, marking a 50% year-on-year increase [8]. - The bank has implemented a coordinated financing mechanism to streamline loan processes for small businesses, ensuring rapid response and efficient service delivery [9]. - The bank's supply chain financing products have significantly contributed to the growth of inclusive loans, with a balance exceeding 4 billion yuan as of September 2025 [10]. Pension Finance - The bank is developing a comprehensive pension finance service system to address the needs of the aging population in Shenzhen, having created pension planning solutions for nearly 20,000 citizens [11][12]. - It collaborates with various institutions to explore integrated pension service models, aiming to meet the high-quality pension needs of the elderly population in both Shenzhen and Hong Kong [13]. Digital Finance - CITIC Bank is advancing its digital transformation strategy, utilizing technologies like AI and blockchain to enhance service efficiency [14]. - The launch of the "Cross-Border Flash Loan" product has provided quick financing solutions for foreign trade enterprises, with over 130 million yuan disbursed since its introduction [15]. - The "Xiaotianyuan" platform offers a one-stop service for SMEs, integrating digital and financial services to support their digital transformation [16].

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]

Group 1 - The core idea of the news is that CITIC Bank's "Cross-Border Flash Loan" service effectively addresses the financing challenges faced by small and micro foreign trade enterprises, providing them with a strong financial boost for international market expansion [1][2][3] Group 2 - The "Cross-Border Flash Loan" service was launched in May 2025 and has disbursed over 40 million yuan, showcasing its success in meeting the urgent financing needs of small and micro enterprises in Shandong [1][2] - This service offers an online, pure credit model with loan amounts up to 7 million yuan, catering to short-term funding needs such as procurement, logistics, and settlement, while allowing flexible repayment options [2][3] - CITIC Bank employs advanced technologies like big data and artificial intelligence to streamline the credit assessment and loan approval process, significantly reducing the time required for businesses to secure financing [2][3] Group 3 - The initiative reflects CITIC Bank's commitment to innovation and its determination to leverage digital solutions to overcome financing barriers for small and micro enterprises [3] - The bank aims to enhance its financial products and services, including the "Cross-Border Flash Loan," to support the high-quality development of foreign trade in Shandong and contribute to regional economic growth [4]

Group 1: Economic Impact of Foreign Trade - Foreign trade is one of the "three drivers" of economic growth, playing a crucial role in stabilizing the economy and promoting development [1] - Taizhou's export-oriented industries are prominent, with an outward-oriented economy becoming an important part of the national economy [1] Group 2: Financial Products for Export Enterprises - CITIC Bank Taizhou Branch has developed diverse financial products to address the financing difficulties faced by foreign trade enterprises [2] - The "Cross-border Flash Loan" product allows for fully online operations, automated approvals, and self-service disbursements, providing convenient financing support for small and micro export trade enterprises [2] - The bank's innovative "Order e-loan" and "Commercial Bill e-loan" products enhance financing support around core foreign trade enterprises and their supply chains [2] Group 3: Risk Management through Specialized Foreign Exchange Services - With the dual fluctuations of the RMB exchange rate becoming the new norm, exchange rate risk management is a key focus for foreign trade enterprises [4] - CITIC Bank Taizhou Branch offers market information consulting and transaction management services to assist enterprises in establishing exchange rate management mechanisms [4] - The bank successfully provided a tailored foreign exchange hedging solution for a small trade enterprise, allowing it to manage exchange rate risks effectively [4] Group 4: Comprehensive Cross-border Services - CITIC Bank Taizhou Branch leverages the unique advantages of CITIC Group's comprehensive financial services to support enterprises in expanding into international markets [6] - The bank provides full-process support for enterprises, including opening fundraising accounts and offering professional guidance on foreign exchange knowledge [6][7] - The bank aims to continue enhancing its cross-border financial service system to support foreign trade enterprises in navigating complex market environments [7]

Core Viewpoint - The article emphasizes the strong resilience and international competitiveness of China's foreign trade in the face of external shocks, highlighting the increased support from financial institutions to ensure stable growth in foreign trade [1]. Group 1: Financial Support Measures - Financial institutions are intensifying support for foreign trade, implementing various measures to assist struggling enterprises, enhance financing support, and promote the integration of domestic and foreign trade [2][3]. - The Export-Import Bank has issued 37 billion yuan in financial bonds specifically for foreign trade credit, with 460 billion yuan in loans allocated to the foreign trade sector in the first five months of the year [3]. Group 2: Product Innovation - Banks are innovating products to cater to the unique needs of small and micro foreign trade enterprises, such as the "Yi Payment Credit Loan" which provides quick financing based on foreign exchange settlement records [4]. - Digitalization is enhancing loan efficiency, with banks like Citic Bank and the Export-Import Bank launching fully online financing products tailored for small and micro foreign trade enterprises [4]. Group 3: Trade Facilitation - Recent measures have improved trade facilitation, significantly reducing the time and effort required for processing trade commission payments, as evidenced by a cross-border trade enterprise in Fuzhou [5]. Group 4: Collaborative Efforts - Collaborative efforts between banks, government, and enterprises are strengthening financial services for foreign trade, with initiatives like the partnership between the Export-Import Bank and retail giants to support the domestic sales of export products [6]. - From January to April, China's total goods import and export volume increased by 2.4% year-on-year, indicating the resilience of foreign trade amid supportive measures [6]. Group 5: Future Policy Directions - The People's Bank of China is focusing on precise measures to stabilize foreign trade, including the creation of new structural monetary policy tools to support investment in technology innovation and consumption [7].