In order to solve the financing problems of medium-sized and small enterprises, ICBC (Industrial and Commercial Bank of China) Chenzhou Branch led a creative way in local banks. In 2011, different products were created to expand its financing methods. The total amount of the issued loans amounted to 4.74 billion yuan in 2011, up 28.1%, while the net increase of loans amounted to 942 million yuan, up 18.79%. This net increase helped ICBC rank the first among other commercial banks last year, which greatly supported the development of medium-sized and small enterprises.

In recent years, ICBC Chenzhou Branch energetically has tried different financing ways, for example, silver pledge loans was confirmed by its head office and lead matte, wolfram, bismuth and other regional financing was listed into the head office menu, all of which widened its financing range. ICBC Chenzhou Branch also took the first step in financing product creation, for example, the first business of close chain, import prepaid payment, and asset recovery among provincial ICBC branches were successfully settled . Chenzhou Branch was especially expert in merchandise financing business which ranked the first in provincial ICBC system and was awarded with "the secondary branch of national top 30" accordingly. The efforts from Chenzhou Branch strongly supported Chenzhou's economy development such as "project economy, park economy, private economy, investment economy and consumer economy".

Furthermore, to meet the demands of small and micro businesses' short, frequent and urgent demands of financing, ICBC Chenzhou Branch launched the "loan passage project", which provided the small and micro businesses with convenient and fast services with the loan of 114 million yuan. Under the regulation and control of the estate, ICBC Chenzhou Branch intensified itself in the creation of personal loan services not only in the way like personal business loan and personal consumer loan, but credit card installment business to issue loans up to 248 million yuan, which benefitted the car, electronics, building of decoration and of materials markets. Moreover, ICBC Chenzhou Branch enhanced itself to develop the international businesses through the innovation of international factoring, overseas LC and etc.. These helped ICBC Chenzhou Branch opened new lines to issue "international business financing" loans of 119 million US dollars and LC loans of 115 million US dollars, which supported the foreign trade enterprises' development and was affirmed by ICBC Hunan head office accordingly.

In recent years, ICBC Chenzhou Branch has developed 15 chained financial products through the innovation of products and service. Till now, loans for small and micro businesses account for 56% of all the amount of loans. ICBC Chenzhou Branch will further develop itself along with the support for medium and small enterprises.