Hidden within the flying eaves and brackets is the ultimate wisdom of Chinese architecture—mortise and tenon joints.
Without a single nail or rivet, the precise interlocking of components alone is enough to uphold its timeless spirit.
This logic of "precise fit and stable symbiosis" has now been incorporated into the financial services of Beijing Rural Commercial Bank.
Small and micro enterprises are the capillaries of the national economy and a vital force in stimulating market vitality and absorbing employment. Beijing Rural Commercial Bank has always been committed to supporting the development of small and micro enterprises, focusing on the operational pain points and development needs of small and micro enterprises in different industries, tailoring financial solutions to their specific needs, and injecting development momentum into small and micro enterprises with precise and efficient financial services. This helps small and micro enterprises in industries such as information technology, healthcare, and food processing to steadily progress on their growth path.
Information Technology Section: Empowering Digital Services to Support Enterprise Expansion
An experienced carpenter meticulously crafts mortise and tenon joints, paying attention to precision down to the millimeter; similarly, serving small and micro enterprises requires keeping pace with the times and improving the accuracy of services. Against the backdrop of accelerated digital transformation, information technology companies have become a vital force empowering the development of various industries.
The information technology company served by the Xicheng branch is a high-tech enterprise and a specialized and innovative enterprise. Its business covers multiple industries such as the Internet, communications, finance, high technology, manufacturing, and transportation. It focuses on providing software outsourcing services such as IT resource services, customized services, and product solutions.
As the company's business scale continues to expand, its need for funds to pay for commissioned software development has become increasingly urgent. Like a skilled carpenter precisely measuring and fitting the mortise and tenon joints, the Xicheng branch accurately matched the company's funding needs with the "mortise and tenon joints" of financial services. The 10 million yuan loan support was like a timely rain, effectively alleviating the company's financial pressure, helping it to continuously improve its service capabilities and expand its business boundaries, and injecting financial momentum into the development of the digital economy.
Healthcare Section: Alleviating Financial Pressure and Strengthening the Business Foundation
The essence of mortise and tenon joints lies in the coordinated effort of each component, resulting in overall stability. In the healthcare industry, a stable cash flow is the core guarantee for a company's continued operation.
A medical technology company located in Pinggu District is a national specialized and innovative "little giant" enterprise and a Zhongguancun high-tech enterprise. It also possesses national dual-software and Beijing Hundred New Enterprise qualifications. It has a solid business foundation and is deeply involved in the fields of medical basic engineering, medical devices, and medical consumables.
However, the medical engineering industry is characterized by long payment cycles and delayed progress payments. Coupled with the continuous cash outflows from raw material procurement and construction advances, companies face constant pressure on their operating cash flow and urgently need working capital to support daily operations.
Like an old carpenter patiently adjusting mortise and tenon joints, the Pinggu branch of Beijing Rural Commercial Bank meticulously analyzed the company's operational structure, identified key support points for its core businesses, and precisely addressed the company's needs. A loan of nearly 6 million yuan, like a warm spring of life, was precisely injected into the company's operations, not only promptly filling the cash flow gap but also strengthening the company's operational foundation, much like reinforcing a courtyard with mortise and tenon joints. In the future, Beijing Rural Commercial Bank will further develop its ecosystem marketing, integrating one-stop financial services such as credit business, payment settlement, and wealth management planning for upstream and downstream clients to comprehensively help companies alleviate financial pressure and solidify their operational foundation.
Food Processing Section: Precision Support for Production and Sales to Boost Production Sustainability
Traditional Chinese wooden architecture relies entirely on the interlocking and support of mortise and tenon joints to withstand the elements and remain stable for millennia. Similarly, in the food processing industry, supply chain stability is closely linked to capital turnover efficiency.
A food company located in Miaocheng Town, Huairou District, focuses on the research, development, production and sales of natural extracts, compound seasonings and ingredients. It has large and frequent capital needs in the raw material procurement process, which has become a key factor restricting the company from expanding its production scale.
The Huairou branch of Beijing Rural Commercial Bank proactively connected with the company's needs and accurately matched financial products. The 7 million yuan in working capital acted as a crucial component, effectively alleviating the company's financial pressure in purchasing raw materials and providing solid financial support for the company's production chain. This helped the company continue to exert its strength and grow stronger in the food processing sector.
A thousand years ago, the mortise and tenon structure, with its precise fit and solid support, upheld the enduring spirit of Chinese architecture. Today, Beijing Rural Commercial Bank follows this ancient wisdom of construction, transforming financial resources into precisely connected "financial mortise and tenon joints" to build a solid framework for the growth of micro and small enterprises.
From the innovative development of information technology companies in Xicheng District to the stable operation of the medical industry in Pinggu District, and the upgrading of the food industry in Huairou District, Beijing Rural Commercial Bank has consistently focused on the pain points of small and micro enterprises. With diversified financial products, a professional service team, and efficient approval processes, it provides tailored financial support to small and micro enterprises in different regions and industries. In the future, Beijing Rural Commercial Bank will continue to deepen its financial services for small and micro enterprises, continuously expanding its service coverage and improving service precision. It will work hand in hand with small and micro enterprises, allowing the precision and synergy of its services to continue to shine in the financial practices of the new era, and jointly drawing a new blueprint for high-quality development with all sectors.
