China Merchants Bank Qingdao Branch Breaks Through Small and Micro Enterprise Financing Difficulties with Batch Guarantee Online Financing Services

Transferred from: Xinhua Finance

To deeply implement the decision-making and deployment of financial support for the real economy, and effectively solve the financing and guarantee difficulties faced by small and micro enterprises, recently, China Merchants Bank Qingdao Branch deepened its cooperation with Qingdao High-tech Financing Guarantee Co., Ltd., successfully landing the first batch guarantee online financing business in Qingdao City. This move marks a new breakthrough in the field of inclusive financial services for both parties, exploring a more convenient and efficient new path for small and micro enterprise financing.

It is reported that China Merchants Bank Qingdao Branch successfully issued loans of over 3 million yuan to a certain logistics company in Qingdao through this model. This company is a typical light-asset operation small and micro enterprise that faces significant difficulties in traditional financing channels due to a lack of sufficient collateral. Through the batch guarantee online financing business, the company quickly obtained financial support, effectively alleviating operational turnover pressure.

Innovative Collaborative Model Enhances Financing Accessibility

The batch guarantee online financing business that has been implemented is an active response from China Merchants Bank Qingdao Branch to the People’s Bank of China’s work deployment on bank-guarantee cooperation, leveraging financial technology advantages to innovate financing service models. This model breaks the traditional reliance on collateral for credit, featuring significant characteristics such as “no collateral required, online application, and rapid loan disbursement.” Through a “bank + guarantee” collaborative mechanism, it effectively integrates risk control resources from both parties, simplifies the approval process, and significantly enhances the accessibility and convenience of financing for small and micro enterprises.

Focusing on Technology Enterprises, Exploring New Service Paths

In response to the characteristics of technology enterprises being “light assets, heavy R&D,” China Merchants Bank Qingdao Branch further deepened model innovation and successfully obtained approval for a “Science and Technology Innovation Quick Loan Scoring Card + Batch Guarantee Business” combination loan model. This model, through the overlay design of “credit + batch guarantee,” significantly improves client access and approval efficiency while effectively controlling risks, reducing burdens and increasing efficiency for client managers and loan officers, and providing a replicable and promotional experience template for subsequent scaled services to technology enterprises.

Establishing Special Quotas, Injecting New Momentum for Development

To accurately meet the “short, small, frequent, and urgent” funding needs of small and micro enterprises, China Merchants Bank Qingdao Branch has specially established a special quota of nearly 300 million yuan, customizing financing solutions for enterprises through the batch guarantee cooperation model. The special funds are primarily directed towards inclusive small and micro enterprises, technological innovation, and livelihood services, effectively alleviating corporate financial pressure while strongly supporting employment stability and industrial upgrading, injecting financial vitality into the high-quality development of the regional economy.

A relevant person in charge of China Merchants Bank Qingdao Branch stated that the successful implementation of the batch guarantee online financing business is an important practice for the branch in carrying out the “Five Major Articles” and serving the real economy. In the next step, the branch will continue to uphold the core value of “customer-centric,” deepen bank-guarantee cooperation, expand the coverage of inclusive financial services, and contribute to the high-quality development of the real economy with more efficient and higher-quality financial services. (Wang Ziwen)

Editor: Mu Hao

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