1. Matchmaking mode, which matches the small and medium-sized enterprises around the world: "Cross-border matchmaking service for small and medium-sized enterprises in China Bank" adopts a "six-step" process different from the traditional investment promotion mode, namely, information reserve, customer matching, online "blind date", on-site negotiation, on-the-spot investigation and supporting financial services.

2. Upgrading the service of credit factory to support the growth of small and micro enterprises: In years of practice, this model has been constantly updated and upgraded, and Bank of China has resolutely implemented the "two no less than" and "three no less than" regulatory requirements of CBRC for small and micro loans.

3. Promote "investment-loan linkage" to help the development of science and technology enterprises: In view of the problems of lack of statements, mortgage, pledge and inability to carry out credit rating for science and technology start-ups, China Bank innovatively developed the investment-loan linkage business, introduced external equity investors and jointly provided financing with banks.

Extended data

Credit principle:

1. Differentiated credit granting should be implemented according to the economic development level, economic and financial management ability, occupation and use of credit funds, financial risks and other factors in different regions.

2. Different credit lines should be determined according to the management level, asset-liability ratio and loan repayment ability of different customers.

3. Adjust the credit lines of various regions and customers in time according to the financial risks of various regions and the changes of customers' credit.

Bank of China-Bank of China builds a trinity service model to help small and medium-sized enterprises grow.