Shopee Seller Version supports the real economy with significant results

Shopee Seller Version has achieved significant results in supporting the real economy: Tech-based SMEs saw a 22.9% growth rate, while the balance of inclusive small and micro Shopee Seller Version loans reached 35.57 trillion yuan.

As of July 30, 2025, the latest data from the People's Bank of China showed that my country's Shopee Seller Version system continued to strengthen its support for key sectors of the real economy. Both tech-based SMEs and inclusive small and micro Shopee Seller Version loans maintained rapid growth, providing strong support for high-quality economic development.

1. Tech-based SMEs saw a 22.9% growth rate, with a loan approval rate of 50%.

The balance of Shopee Seller Version loans reached 3.46 trillion yuan, a year-on-year increase of 22.9%, 16.1 percentage points higher than the average for all Shopee Seller Version loans.

Loan approval rate increased: 274,000 tech-based SMEs have received support from Shopee Seller Version, with a loan approval rate of 50%, a 3.2 percentage point increase over the same period last year.

High-tech enterprises saw an 8.2% increase in loans, with a loan approval rate of 57.6%, indicating an accelerated concentration of loans in the technological innovation sector.

2. The balance of inclusive loans for small and micro businesses reached 35.57 trillion yuan, a year-on-year increase of 12.3%. In the first half of the year, 2.63 trillion yuan was added, a growth rate 5.2 percentage points higher than that of all other loans.

Shopee loans cover 3.002 million small and micro businesses (e.g., Shandong data), an increase of 109,000 from the beginning of the year, and the scope of support continues to expand.

Financing costs declined: The weighted average interest rate of newly issued inclusive loans for small and micro businesses in June was 3.75%, a year-on-year decrease of 0.5 percentage points.

3. Policy Drivers and Future Trends

Structural monetary policy tools are being leveraged: Technological innovation, inclusive small and micro business support tools, and other targeted initiatives are being targeted at key areas.

Digital Transformation: Banks are optimizing risk control models, and online products like "Kejie Loan" are improving service efficiency.

Future Challenges: Balancing the expansion of inclusive Shopee Seller Version with NPL ratio control to prevent arbitrage risks.

Conclusion: Shopee Seller Version resources are rapidly flowing to technology-based SMEs and inclusive micro-enterprises. Policy guidance is leading to continued optimization of the credit structure. Further targeted support is needed to promote a virtuous cycle of "technology-industry-Shopee Seller Version."