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Small and micro enterprises is an important subject in our city and create social wealth, is the main force to solve the employment problem is to promote steady and rapid economic development of the city, an important force for promoting social harmony indispensable. But the economic downturn affected by factors, real estate prices fall, private lending, yiwu city corporate information asymmetry, small micro-enterprise "financing difficulties" even more prominent, the city's banking institutions to actively adapt to the new current economic normality, small innovative diversified products and services Micro-enterprises, small and micro enterprises to effectively solve the financing problem.

This year, China Construction Bank branch in Yiwu active around the restructuring and development requirements, determine small and micro enterprise business is "two extension" one of the tentacles, restructuring as the main line, in order to expand the series "Big Data" product as a means to focus on promoting small and micro sustained, healthy and stable development of their business, Yiwu market has launched the "credit loan", "good financial credit", "business loan", "Tax easy loan", "POS loans" and "settlement through" as the main content of small and micro enterprises, "the five loans Through a "big data credit products. Through analysis of small and micro enterprises trading settlement bank records, credit history, tax records in the tax department, in transactions and other POS acquirers screened out management stability, honesty and trustworthiness of small and micro enterprises, to grant credit, to help small and micro enterprises will be converted to credit accumulation sleeping liquidity loan funds.

As of April 2015, the bank "five loans through a" big data credit products have been a good customer experience, especially the "credit loan", "good financial credit", "Tax easy loan" payment amount has exceeded 200 million yuan mark, Yiwu Wholesale Market as more than 170 small and micro enterprises to provide financing services to effectively alleviate the problem of financing small and micro enterprises.