Inclusive finance is one of the "five major articles" proposed at the central financial work conference, and it is an important field for the banking industry to serve the real economy and promote high-quality social development.

Minsheng Bank has always adhered to the corporate mission of "serving the public and caring for people's livelihoods," taking the financial service to the real economy as its fundamental purpose.

It earnestly does a good job in the major article of inclusive finance, striving to achieve technology-driven, model innovation, and service upgrading, and is committed to becoming the "first choice for small and micro enterprises."

Since 2008, Minsheng Bank has been the first in China to explore and practice microfinance, providing financial services to more than 20 million small and micro enterprises over 16 years, providing credit support to millions of small and micro enterprises, and issuing nearly 7 trillion yuan in micro loans.

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It has explored and formed a distinctive development path of "integrated customer group operation, online product services, professional scene business, comprehensive customer service, and intelligent risk prevention and control," and established and improved an inclusive financial service system adapted to the development of the real economy, writing a Minsheng answer sheet for financial service support for the development of small and micro enterprises.

"Chain service" enters the market entity.

With the refinement of modern enterprise division of labor, enterprises have formed a network chain relationship between core enterprises, upstream suppliers, and downstream dealers, and small and micro enterprises are the main body of the chain enterprises.

Minsheng Bank continues to deepen the "large, medium, small, and micro, and individual integrated" service, using core enterprises to "increase credit," and link services for more upstream and downstream and industrial chain small and micro customers, providing batch credit support; create a new supply chain financial chain platform, through multiple ecological financial products such as Xinrong E, Procurement E, Order E, and Minsheng Quick Loan, to meet the financing needs of small and micro enterprises at different stages of production and operation.

Recently, Minsheng Bank Tianjin Branch contacted Kangshifu Beverage Tianjin Branch, providing a credit quota of 50 million yuan for the downstream dealer customer group of Kangshifu Beverage Tianjin Branch.

Downstream dealer Wang has been an agent of Kangshifu series beverages for 5 years.

Every time it is the peak season of the industry, the need for funds for advance preparation of goods is required.

"The customer manager of Minsheng Bank told me that I could try 'Minsheng Quick Loan,' and apply for a loan directly on the phone."

Mr. Wang said that he did not expect to apply for a loan quota of 2.3 million yuan on his phone, and what he did not expect was that the loan funds arrived in the afternoon of the same day.

The loan is not only very convenient but also has a suitable interest rate.

Digital inclusive "loan" drives small and micro enterprises to run steadily and quickly.

In order to further meet the demand for digital financial services of small and micro enterprises, Minsheng Bank accelerates the online and digital transformation of inclusive finance.

At present, the Minsheng Micro Finance App has been upgraded to version 3.0, focusing on the three major positions of "online financial assistant, online credit officer, and online service commissioner," and has achieved support for online processing of both enterprise and personal business, support for personal and enterprise mobile U-treasure security services, support for online management of pending matters by small and micro enterprise owners, and full-process online self-service ticketing functions, etc., which can be said to be the "exclusive pocket bank" for small and micro enterprises.

The bank relies on big data intelligent decision-making technology to create a "Minsheng Hui" full online credit loan product, and small and micro enterprises can apply for, approve, and withdraw online, knowing the credit quota in as little as 3 minutes, effectively solving the financing difficulties of small and micro enterprises and improving the efficiency and experience of inclusive financial services.

On the eve of "618," Ms. Li, who has been engaged in clothing sales for more than 20 years, has a large pressure on the funds for goods and urgently needs a credit loan business that can be approved and disbursed quickly.

At a loss, the small and micro customer manager of Minsheng Bank told Ms. Li that she could apply for "Minsheng Hui Credit Loan" on the Minsheng Micro Finance App.

Subsequently, Ms. Li only spent a few minutes on the phone for simple operations and received a notification text message of the approved credit quota of 500,000 yuan.

"The biggest feeling is fast and convenient, and in less than half an hour, Minsheng Hui Credit Loan solved my urgent need."

Ms. Li was very emotional when recalling the process of handling the loan, and it was this loan that made her truly feel the temperature of Minsheng Hui brought to small and micro enterprises.

Customized financial services add momentum to the characteristic industry.

There are hundreds of ways to do business and thousands of ways to solve difficulties.

In order to make inclusive financial services truly meet the needs of small and micro enterprises in different industries, Minsheng Bank deeply cultivates regional characteristic industries, aims at characteristic scene customer groups, especially platform, business circle, park, and cluster customers, and innovatively launches the "Honeycomb Plan" financing solution.

For small and medium-sized enterprises with funding needs of 10 million yuan (inclusive), it has achieved a small batch, replicable model.

By embedding credit products into the production and operation of core enterprises or specific scene customer groups, it ensures that credit funds truly serve enterprises.

The "Honeycomb Plan" focuses on solving the personalized needs of small and micro enterprises.

In Xi'an, there are a large number of small and medium-sized enterprises that provide engineering technology support and solutions for oil and gas exploration and production, providing strong support for the development of the country's oil and gas resources and energy security.

Oil service companies have stable operations during their development and growth, but due to the long settlement cycle of oil field enterprises, the proportion of accounts receivable is relatively high, leading to higher funding needs for oil service companies.

In response to this, Minsheng Bank Xi'an Branch has tailored the "Honeycomb Plan - Oil Service Pass" project product for oil service companies in the region, effectively solving the financing difficulties of oil service companies.

Shaanxi Huiyuan Energy Technology Co., Ltd. is a company that integrates the production, sales, and technical services of industrial automation collection control equipment.

It has obtained a credit of 10 million yuan through the "Honeycomb Plan - Oil Service Pass" product, and it only took 6 days from the system report to approval.

Since 2023, Minsheng Bank has formed a number of batch financing plans such as "Chengdu Preschool Education," "Dalian Community Hospital," and "Jinan Telecommunications Operator" through the "Honeycomb Plan," serving more than 100 characteristic small and micro enterprise clusters across the country, supporting the upgrading of traditional industries such as molds, sanitary ware, and electrical engineering, the transformation of new business forms such as cross-border e-commerce and internet advertising, the basic livelihood security such as community medical care, preschool education, and vocational education, and the revitalization of rural industries such as agriculture, forestry, animal husbandry, and fisheries.

Subsequently, Minsheng Bank will continue to explore the path of regional scene financial cooperation, and strengthen the construction of regional characteristic scenes and the service capacity of personalized small and micro enterprises.

Innovative product "matrix" builds a panoramic ecological service.

"We not only provide financial support for small and micro enterprises, but also hope to help enterprises achieve self-development and grow together with enterprises."

The person in charge of Minsheng Bank said.

In recent years, Minsheng Bank has built a panoramic ecological map covering "small and micro enterprises, business owners, families, employees, and upstream and downstream partners," fully serving the life circle and business circle of small and micro customers, and establishing a "double housekeeper" service mechanism of "credit manager + financial manager."

In the credit field, in addition to providing small and micro enterprises with mortgage loans, credit loans, guarantee loans, supply chain finance, and scene finance, it also transforms business such as bills, letters of credit, factoring, and foreign exchange derivatives to be small and micro, making their processes and standards fit the characteristics of small and micro enterprises, effectively meeting the various financing needs of small and micro enterprises.

In addition to credit, Minsheng Bank also provides small and micro enterprises with a comprehensive financial service that integrates financing, accounts, settlement, and cash management.

At present, many small and medium-sized enterprises are gradually trying to use software applications for digital transformation in the process of operation and management, but they face many pain points such as "high fees and multiple applications," mainly because the operation ability of the existing SaaS software service is difficult to fully cover the digital needs of small and medium-sized enterprises.

To this end, Minsheng Bank has innovatively developed a one-stop digital management platform for enterprises, "Minsheng E-Home," focusing on the three major fields of "human resources, finance, and operation" of small and medium-sized enterprises, providing services such as personnel salary tax, wage payment, financial accounting, invoice management, cost control reimbursement, and express logistics.

It integrates the management capabilities of bank accounts and quick payment accounts to provide comprehensive and inclusive digital transformation services for small and micro enterprises, helping enterprises reduce costs and increase efficiency, and improve their operational capabilities.

"The company has been expanding in scale in recent years, and dealing with personnel, salary, invoicing, tax reporting, and other matters is very troublesome.

'Minsheng E-Home' has met our needs for digital transformation in operation and management, which is really a great help."

Li, the owner of a certain property management company, praised "Minsheng E-Home" and said, "As soon as this service was launched, the customer manager came to open it for me for free.

Taking salary payment as an example, it can not only be associated with shift attendance, but also automatically calculate salary and tax, and the electronic salary slip is clear at a glance."

"Minsheng Bank also continues to iterate and upgrade according to our needs, such as recently adding the function of appointment salary payment.

I am very much looking forward to the launch of other functions later!"

Mr. Li said.

It is reported that Minsheng Bank is further exploring the comprehensive needs of enterprise development, and "Minsheng E-Home" will also go from meeting the needs of enterprise operation to empowering the management of enterprises.

Paving the way to wealth for "three agriculture."

In recent years, Minsheng Bank has actively implemented the national rural revitalization strategy deployment, accelerated the comprehensive development of inclusive agriculture-related business, and continued to explore models and innovate products, providing financing services that meet the production needs of farmers and cover the planting and breeding cycle and sales cycle of farmers, covering industries such as grain, cotton, sugar, oil, and photovoltaics.

In Wenzhou, it actively explores the "green + inclusive" business model, integrates the concept of rural revitalization and green finance into the inclusive finance development strategy, and launches the "photovoltaic loan" inclusive financial product for farmers; in Nanning, the "sugarcane farmer loan" is innovated through supply chain finance, fitting the planting cycle and payment characteristics, matching the term, issuance, and repayment mode, making the "transit station" business run smoothly, and building an industrial bridge; in Urumqi, the "cotton farmer loan" uses data to increase credit, improving the efficiency of financial services while reducing the financing costs of farmers; in Harbin, the digital agriculture loan product - "Beidahuang Agricultural and Reclamation Loan Pass" was launched, marking that Minsheng Bank has fully started a new digital model in the "three agriculture" financial field.A dedicated team of 5,000 members crafts the "warm strength" of service.

A micro and small business exclusive service team of nearly 5,000 members is a unique advantage that Minsheng Bank has accumulated and forged over the years in the field of micro and small business services.

Since 2024, Minsheng Bank has actively initiated the "Inclusive Finance Promotion Month" campaign and has been continuously carrying out the "Minsheng Enters Ten Thousand Enterprises" activity.

The micro and small business customer service team goes deep into the market, industrial parks, and business districts, engaging face-to-face with small and micro businesses, listening to customer voices, and collecting financial needs and pain points.

They deliver more professional and warmer inclusive financial services to the side of small and micro businesses.

They strengthen communication with industry associations and industrial alliances, delivering policies, services, and products, extensively promoting inclusive financial products and policies.

They strive to better and more extensively understand the operational characteristics of small and micro businesses in specific industries and scenarios, and summarize and form sets of service plans.

The high efficiency of digital finance and the professionalism of the human team are organically combined, making Minsheng Bank's micro and small business financial services more refined and more humanely caring.

From enriching the product system to improving service quality and efficiency, from serving entrepreneurship and business operations to benefiting agriculture and wealth creation, from meeting the operational needs of enterprises to empowering enterprise management and operations... Minsheng Bank states that it will firmly adhere to the strategic positioning of micro and small business finance without wavering, and will work hard with heart and emotion to write the "inclusive finance masterpiece".