CNCB(601998) 中国金融信息网·2025-04-22 06:53Core Viewpoint - Citic Bank's Guiyang Branch actively responds to national policies by establishing a comprehensive financing coordination mechanism to address the financing difficulties faced by small and micro enterprises, thereby supporting the high-quality development of the real economy [1][3]. Policy Support - The branch has developed targeted financing support policies for small and micro enterprises, setting clear loan issuance targets and assessment mechanisms to prioritize resources for these businesses [1]. - A cross-departmental coordination mechanism has been established, involving corporate banking, risk management, and credit approval departments to optimize the entire financing service experience for small and micro enterprises [1][2]. - Collaboration with government departments, guarantee institutions, and industry associations has been strengthened to create a diversified financing service platform for small and micro enterprises [1]. Service Optimization - The "Entering Ten Thousand Enterprises - Trust and Benefit Enterprises" initiative has been launched, which utilizes the coordination mechanism to provide precise financing solutions for small and micro enterprises [2]. - During the initiative, over 1,000 enterprises were visited, and financing needs amounting to 760 million yuan were collected, leading to rapid responses to financing challenges and streamlined approval processes [2]. - A specific case involved a small micro enterprise in the liquor industry that received a tailored financing solution within one day due to the initiative's coordination efforts [2]. Product Innovation - Citic Bank's Guiyang Branch has introduced a series of specialized financial products tailored to the actual needs of small and micro enterprises, such as "Science and Technology e-Loan" and "Property Mortgage e-Loan" [2]. - The branch employs digital tools, including big data analysis and artificial intelligence, to enhance service efficiency and optimize risk assessment models for quick approval and disbursement [2]. Achievements - As of the first quarter of 2025, the loan balance for small and micro enterprises at Citic Bank's Guiyang Branch increased by 8.4% compared to the previous year, with a low non-performing loan rate and stable asset quality [3]. - The financing coordination mechanism has received high recognition from clients, and the branch plans to continue enhancing this mechanism and innovating products and services to support the growth of more small and micro enterprises [3].