To further implement the spirit of relevant documents from the State Council and the work requirements of the Ministry of Finance, as well as to explore the establishment of a new type of bank-guarantee cooperation mechanism, fully leverage the financing guarantee of the government and the advantages of the banking system service network, technology finance, and risk control, Beijing E-town International Investment & Development Co., Ltd. has built upon the foundation of its traditional business development advantages to explore a bank-guarantee business model based on specific data and transaction scenarios. This model has achieved positive results in terms of batch-processing, creating platforms for and standardizing business operations.

The Beijing E-town International Financing Guarantee has innovatively introduced a "head-to-head" bulk guarantee business, aiming to improve efficiency and reduce risks through the principles of "channel sharing and risk sharing."

The total rate is only 1%, no collateral requirements are set, and a 20-80 risk sharing model has been implemented, with the bank assuming 20% of the risk and the guarantee institution assuming 80%. Municipal re-guarantee and the National Financing Guarantee Fund provide further risk sharing progressively.

Under the premise of locking the maximum compensation rate and sharing risks between partner banks and the government guarantee system, the guarantee business achieves real-time guarantee upon loan approval, changing the cumbersome process of "one loan per customer, one guarantee per approval." While fulfilling the role of guarantee services, it further increases support for small and micro enterprises, agriculture-related businesses, entrepreneurial and innovative market entities, and strategic emerging industries.

At present, the Beijing E-town International Financing Guarantee is actively coordinating with multiple banks, fully mobilizing resources, and promoting the guarantee's continuous expansion, cost reduction, and benefits for inclusive finance, thus smoothly advancing the "head-to-head" bulk business.

Next, the Beijing E-town International Financing Guarantee will continue to leverage the advantages of government financing guarantee institutions, focusing on targeted support for small and micro enterprises, and extensively conducting "head-to-head" bank-guarantee risk sharing businesses. A new financial ecology will therefore by established where guarantees are more reliable, banks are more willing to lend, and enterprises find it easier to obtain financing, ultimately realizing cost reduction, efficiency improvement, and expansion of inclusive financial services.