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in the tide of economic development, small and medium-sized enterprises, as an important economic force, face many challenges, among which financing difficulties are particularly prominent. china construction bank zhuhai branch is well aware of the development difficulties of small and medium-sized enterprises, actively fulfills its social responsibilities, and fully serves the financing needs of small and medium-sized enterprises. through in-depth market research, the bank understands the operating characteristics and funding needs of small and medium-sized enterprises, and has formulated a series of targeted, flexible and diverse financial products and service solutions. for enterprises in different industries and at different stages of development, it provides a variety of financing methods including credit loans, mortgage loans, and secured loans to meet the diverse financing needs of enterprises. at the same time, ccb zhuhai branch actively optimizes the credit approval process, improves approval efficiency, and provides more convenient and efficient financing services for small and medium-sized enterprises. with the help of financial technology, the full process of digital services including online application, online approval, and online loan issuance has been realized, which greatly shortens the financing time of enterprises and reduces the financing cost. in addition, the branch has also strengthened cooperation with government departments, guarantee companies, industry associations and other institutions to build a bank-government-enterprise cooperation platform to jointly provide financing support and comprehensive financial services for small and medium-sized enterprises. through multi-party cooperation, a joint force has been formed to effectively alleviate the financing difficulties and high financing costs of small and medium-sized enterprises, injecting strong impetus into the development of small and medium-sized enterprises. china construction bank zhuhai branch has actively served the financing needs of small and medium-sized enterprises with practical actions, helped small and medium-sized enterprises to thrive, and made important contributions to the prosperity and development of the local economy.