In recent years, ICBC has strengthened financial support to heal weaknesses of real economy such as micro and small enterprises and "Sannong" (agriculture, farmers and rural areas) by using internet and big data. It has tailor-made diversified internet financing products including "Online Revolving Loan", Corporate Easy Loan and e-Loan for micro and small enterprises, which facilitated financing and cut down cost. As at the end of this September, ICBC's internet financing volume reached RMB 450 billion, leading peers in China. Online Revolving Loan had a balance of close to RMB 230 billion and granted loans of RMB 1.85 trillion to 80,000 micro and small enterprises cumulatively.

ICBC has taken targeted measures to meet the financing needs of micro and small enterprises by leveraging its technological and financial advantages in internet and big data. It has adopted online self-service operation and standardized processing for small credit services with adequate information that can be processed in a standardized manner, while it delivers services through specialized financing manager teams to address individualized needs of micro and small enterprises.

In terms of standardized financing service, ICBC has launched "Online Revolving Loan", an online self-service revolving loan service in 2009. By signing a borrowing contract, micro and small enterprises can complete the application for, drawdowal and repayment of loans just indoors within the valid period of contract and borrow and repay loans based on the peak and slack season of their sales. The interest is accrued only on drawdowal. This makes the product suit the funding demands of these enterprises particularly well, which are usually short, frequent and urgent. It is estimated that the interest is accrued for only 9 months in the one-year Online Revolving Loan, which can cut the funding cost by 25%. ICBC also rolled out "Corporate Easy Loan", a purely unsecured online loan for online & offline acquiring merchants. It actively grants credit to customers by using big data and transforming data into credit, thus delivering a service model of "lending upon swiping and immediate use". It has satisfied funding demands of over 12,000 micro and small merchants and agricultural product sellers.

To satisfy the individualized financial needs of micro and small enterprises, ICBC has launched customized internet financing services based on its specialized and diversified financial services. For example, Beijing Branch launched "ICBC e-Loan" special service for micro and small enterprises, which could satisfy their funding needs during the start-up, growth and mature stage. "ICBC e-Loan" covers 34 financial services in three categories of loans, investment banking and comprehensive financial services. The acceptance, approval, drawdowal, recovery and post-lending management of some loans can be conducted totally online. Moreover, ICBC developed special products based on local market features such as Hebei Baigou Luggage Wholesale Market rent loan, Sichuan and Anhui tea loan, in a bid to help micro and small enterprises and agriculture-related merchants gain more access to funds and lower financing costs and also to support popular entrepreneurship and mass innovation.