Core Viewpoint - The article emphasizes the commitment of the Bank of Communications to support small and micro enterprises through innovative financial services and tailored solutions, focusing on key sectors such as foreign trade, private enterprises, technology, and consumption [1][3][9]. Product Innovation - The Bank of Communications is actively enhancing its financial support for technology-driven small and micro enterprises by introducing various innovative financial products, such as the AI enterprise data asset pledge loan of 10 million yuan in Zhejiang [3]. - The bank has developed a multi-layered technology finance support system to help technology enterprises overcome financing challenges and stimulate innovation [3]. Service Upgrade - The bank has established a financial support network for foreign trade enterprises, customizing financial service plans based on regional trade characteristics [5][7]. - The introduction of the "Smart Loan" product in Shanghai has successfully provided financing support to 77 small and micro enterprises, with a total credit amount of 368 million yuan in its first weekend [5]. Specialized Policies - The bank has created a comprehensive service policy system tailored for cross-border e-commerce enterprises, focusing on specialized service teams, differentiated credit standards, and efficient approval processes [6][7]. - The "Cross-border E-commerce Loan" product exemplifies this initiative, allowing for rapid loan processing within three working days [6]. Dual-Drive Strategy - The bank has launched a "Cultural Tourism + Finance" and "Entrepreneurship + Finance" dual-drive model to stimulate consumption and support the high-quality development of small and micro enterprises in the tourism and catering sectors [9]. - In Beijing, the bank has utilized social security data and cash flow analysis to provide 3 million yuan in funding support to a cash-strapped chain restaurant [9]. Future Outlook - As of August 2025, the bank has visited over 500,000 enterprises and provided cumulative credit exceeding 1.1 trillion yuan, demonstrating its active participation in the "Thousand Enterprises, Ten Thousand Households" outreach initiative [10]. - The bank aims to continue driving innovation to address the financing challenges faced by small and micro enterprises, ensuring that inclusive financial services are accessible [10].

Core Viewpoint - The focus on supporting small and micro enterprises has become a key theme in banking financial services, with the Bank of Communications actively engaging in financing coordination mechanisms to enhance financial services for these enterprises across various sectors [1] Product Innovation - The Bank of Communications is committed to injecting financial resources into technology-driven small and micro enterprises, launching various financial products to enhance support for technological innovation [2] - Notable initiatives include the first AI enterprise data asset pledge loan of 10 million yuan in Zhejiang and the "Kechuang Yidai" product line in Ningbo, providing significant credit support for R&D [2] - The bank is building a multi-tiered technology finance support system to address financing challenges for tech enterprises and stimulate innovation [2] Service Upgrade - The Bank of Communications is enhancing services for foreign trade enterprises by innovating service models and establishing a financial support network tailored to the needs of these businesses [3][4] - The bank has developed a collaborative mechanism with local financing guarantee centers and launched the "Smart Rong e-loan" product, which provided 368 million yuan in credit support to 77 small and micro enterprises in Shanghai [3] - A specialized service policy system has been created for cross-border e-commerce enterprises, including a fast approval process that can complete funding in as little as three working days [4] Dual-Drive Strategy - The bank has introduced a dual-drive model of "Cultural Tourism + Finance" and "Entrepreneurship + Finance" to stimulate consumption and support the high-quality development of small and micro enterprises in tourism and catering [6] - In Beijing, the bank has implemented a low-threshold, high-efficiency financial service system for startups, providing 3 million yuan in funding to a cash-strapped restaurant chain [6] Future Outlook - Since the launch of the small and micro enterprise financing coordination mechanism, the Bank of Communications has visited over 500,000 enterprises and granted cumulative credit exceeding 1.1 trillion yuan [7] - The bank aims to continue driving innovation and enhancing efficiency in financial services to effectively address the financing challenges faced by small and micro enterprises [7]