The vitality of a city often resides in the flickering lights of its small and micro enterprises. These businesses may not be large in scale, yet they absorb substantial employment, nurture technological innovation, and sustain the smooth operation of supply chains. In reality, however, financing difficulties, expensive credit, and information asymmetry remain formidable obstacles standing between countless small businesses and financial services. How can these barriers be overcome? As a bank deeply rooted in the local region for nearly three decades and known as the "bank for small and micro enterprises," Bank Of Chongqing Co.,Ltd. has crafted its answer: measure real demand through on-the-ground engagement, dismantle information gaps with digital technology, and forge trust bonds through long-term companionship. From repeated field visits and research to efficient approval and disbursement processes, and onto a continuously evolving service system — this trillion-scale "A+H" listed city commercial bank is bridging the "last mile" of inclusive finance through digital transformation, while deeply integrating its development into national strategies such as the Chengdu-Chongqing Economic Circle and the New International Land-Sea Trade Corridor, thereby delivering precise financial value in service of the broader national agenda.
Crossing the "Last Mile"
"Financial services must stay in sync with enterprise growth to truly empower business development." This is the heartfelt realization of frontline relationship managers at Bank Of Chongqing Co.,Ltd. during their service to small and micro enterprises. This philosophy has been vividly demonstrated in the bank's support for Chongqing Ruilang Electric Co., Ltd. Specializing in ultraviolet disinfection technology, Ruilang Electric holds over 70 invention patents and has contributed to the formulation of multiple industry standards. In previous years, as orders surged and production capacity reached its limits, the company found itself unable to secure traditional credit due to insufficient collateral. Instead of rigidly adhering to conventional risk control standards, the Yuzhong sub-branch of Bank Of Chongqing Co.,Ltd. based its assessment on the company's genuine operational health and technological strength, tailoring a loan package that helped it break through production bottlenecks. The partnership has since deepened. In 2024, when Ruilang Electric was recognized as a "Specialized, Refined, Distinctive, and Innovative" enterprise, the bank promptly upgraded its credit product to the "Specialized and Innovative Credit Loan," supplementing it with 3.8 million yuan in medium-to-long-term working capital, achieving a dynamic alignment between financial supply and enterprise growth.
Precisely tailored products serve as powerful tools for corporate growth, while frontline services act as the bridge across financing thresholds. Chongqing Jinshi Zhicheng Technology Co., Ltd. has long been dedicated to the industrial-grade 3D printing manufacturing sector. Despite its promising prospects, 3D printing is a quintessentially asset-heavy industry, placing immense capital pressure on the company as it ventures into new fields and constructs new production lines. A relationship manager from the Dadukou Ganghua Road sub-branch of Bank Of Chongqing Co.,Ltd. conducted an on-site visit at the earliest opportunity, delving into the company's operations and management intricacies. Armed with solid field research, the bank swiftly disbursed a 3 million yuan collateralized loan through its "Huiyu Jinfu" product suite to alleviate the immediate crunch, followed by an additional 5 million yuan "Equipment Renewal Loan" to ease cash flow strain, supporting the enterprise's steady advancement along the "AI + 3D + Industry" track and accelerating its journey toward an IPO. "When financial institutions support business growth, and businesses give back to society, it creates a healthy, mutually beneficial relationship," remarked the founder of Jinshi Zhicheng. From dynamically adjusting products to match growth trajectories to extending services deeper to meet authentic needs, Bank Of Chongqing Co.,Ltd. is walking hand-in-hand with countless small and micro enterprises through pragmatic and precise financial support, jointly treading the path toward high-quality development.
Digital Wings Bring Services Closer
Given the diverse needs of small and micro enterprises, how can precise services evolve from a "one-enterprise-one-policy" approach to a systematic and sustainable model? Digitalization is the key to unlocking this challenge. At the operational frontline of Bank Of Chongqing Co.,Ltd., the "remote on-the-go" model is reshaping the loan experience for small businesses. Previously, credit business required relationship managers to conduct multiple on-site investigations and in-person contract signings. Now, with the bank's self-developed "remote assisted investigation" tool, credit assessments can be carried out with one person stationed on-site while another collaborates remotely from the branch, verifying details and completing documentation through video assistance. Meanwhile, the "remote signing" feature eliminates spatial constraints, allowing customers to complete procedures anytime, anywhere. This not only significantly enhances service flexibility and convenience but also frees frontline staff from cumbersome processes, enabling them to devote more energy to in-depth client service.
While improving service efficiency, the digital defense line for risk control remains equally robust. The bank's self-built foundational risk control model for inclusive finance, coupled with its centralized risk monitoring mechanism, enables precise early warnings for clients with high-risk characteristics, providing solid data support for credit decisions. Deeper digital initiatives are also advancing in tandem. In recent years, Bank Of Chongqing Co.,Ltd. has been guided by its proprietary "456" digital transformation framework, systematically empowering business operations. Through the establishment of a unified data service portal, the bank has achieved comprehensive coverage of over 400 business scenarios, with annual data calls reaching 700 million times, forming a large-scale data service capability. Daily user coverage of various data tools exceeds half of the bank's total workforce, accelerating the formation of a digital finance ecosystem where "technology sets the stage, business takes the lead, and data drives operations." In municipal evaluations of financial institutions integrating into the Digital Chongqing initiative, the bank ranks among the top in key metrics such as core business digitalization rates. Behind this digital empowerment lies a set of solid figures demonstrating commitment and responsibility. As of the end of 2025, the inclusive small and micro enterprise loan balance of Bank Of Chongqing Co.,Ltd. surpassed 76.7 billion yuan, an increase of 15.695 billion yuan year-on-year, representing a growth rate of 25.7%. The single-year increment ranked first among local peers in the city, and the overall scale secured the top position among western region listed city commercial banks. Thanks to its outstanding service quality and efficiency, the bank has repeatedly been honored with titles such as "First-Class Bank for Small and Micro Enterprise Financial Services Evaluation" and "Advanced Unit for Small and Micro Enterprise Financial Services" by regulatory authorities, earning long-standing recognition from both the market and regulators.
Starting from small and micro enterprises, yet the bank's footsteps extend far beyond. Aligning with major national strategic needs, Bank Of Chongqing Co.,Ltd. continues to expand its financial supply. In 2025, the bank supported nearly 150 major projects within the Chengdu-Chongqing Economic Circle, and its financing balance serving the New International Land-Sea Trade Corridor exceeded 55 billion yuan, a staggering 86% year-on-year increase. Both technology enterprise loans and manufacturing loans achieved their highest growth rates in the past five years. "2026 marks the opening year of the '15th Five-Year Plan' and a foundational, milestone year for Bank Of Chongqing Co.,Ltd. as it stands on a new trillion-scale starting point," stated a bank representative. Looking ahead, the bank will leverage its network layout spanning "one city and three provinces" (Chongqing, Sichuan, Shaanxi, and Guizhou) alongside its online financial service capabilities to continuously enhance the innovativeness and adaptability of its inclusive finance products, delivering precise and efficient financial support to even more small and micro enterprises. From Ruilang Electric to Jinshi Zhicheng, from product innovation to service deepening, Bank Of Chongqing Co.,Ltd. is taking pragmatic steps to let the sunshine of inclusive finance illuminate more corners, ensuring that every beam of light has the opportunity to brighten an even greater horizon.