转自：新华财经 工行桂林永福支行始终将服务地方实体经济、破解中小微企业融资难题作为首要任务。今年以来，该行 精准聚焦本地特色产业，以定制化金融服务激活发展动能。截至2025年9月末，该行普惠贷款余额1.79 亿元，较年初新增6941万元。 立足永福"中国罗汉果之乡"产业优势，工行桂林永福支行深入调研罗汉果全产业链经营主体"缺抵押、 融资散、用款急"的痛点，结合产业周期与经营特点，因地制宜推出罗汉果产业集群贷款。该产品简化 流程、优化担保，额度精准匹配产业规模，有效解决了传统信贷模式与产业实际脱节的问题。此外，积 极与永福及周边产区罗汉果协会建立合作，借助协会对产业的深度了解与资源整合优势，获取产业链优 质主体名单并进行初步筛选。针对筛选企业联合开展"定向走访"，精准讲解产品适配优势，结合实际解 读融资方案，助力符合条件的经营主体快速获得金融支持，显著提升了普惠金融服务的精准度和效率。 为扩大普惠政策覆盖面，该行组建专项团队，主动深入龙胜、兴安、临桂等罗汉果主产区开展服务。通 过设点宣传、园区走访等多种形式，团队面对面讲解政策、测算需求、辅导申请，不仅成功为41户产业 链企业提供信贷支持，更让工行普惠金融品牌深 ...

融资方案确定后，该行迅即组织普惠金融、信贷管理、风险管理、科技等部门骨干力量组成柔性团队， 深入学习相关产品制度、港贸融平台操作规范及业务流程，全程跟进指导企业完成港贸融平台仓单登 记、质押手续以及系统申请等关键步骤，确保贷款资金精准、快速投放，及时满足了企业的预付资金需 求，提升客户融资体验。 该笔业务成功落地标志着港贸融平台仓单登记与质押业务在百色辖内正式上线运行，是该行运用科技赋 能普惠金融、创新供应链融资服务模式的关键突破。后续，工商银行百色分行将持续利用港贸融数字化 平台提升普惠金融服务的覆盖面和精准度，增强与核心产业链企业的合作黏性，为乡村振兴和数字经济 发展贡献工行力量。（韦佳君） 编辑：赵鼎 转自：新华财经 近期，工商银行百色分行成功为本地某生猪肉产品批发企业办理首笔对接港贸融平台系统的经营快贷仓 单质押融资300万元，精准服务区域民生保供企业，为有效解决了涉农小微企业轻资产、融资难问题探 索新路径，为数字金融服务实体经济提供了生动样板。 该行立足当地经济发展实际，深入调研区域特色农业产业链。在走访调研过程中，了解到一户主营生猪 肉批发的企业需要预付采购款锁定猪源，但应收账款回笼周期长，冷冻库 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively supporting the local economy by providing efficient financial services to small and micro enterprises through innovative financial products and optimized service processes [1][2] Group 1: Financial Support for Small and Micro Enterprises - As of September 2025, the bank has issued nearly 4.5 billion yuan in loans to small and micro enterprises, benefiting various sectors including agriculture, manufacturing, trade services, and consumer services [1] - The bank has successfully implemented the "Huiqi Loan" product system to address the high financing costs faced by small and micro enterprises, resulting in the successful application for over 300 million yuan in special financial subsidies since July 2025, benefiting more than 150 small enterprises [2] Group 2: Innovative Financial Products - The bank has introduced the "Xingnong e-loan" product system tailored to the agricultural sector, which includes "Planting and Breeding Loans," "Manufacturing Loans," and "Circulation Service Loans," providing over 200 million yuan in loans to more than 250 agricultural enterprises [1] - New credit-based online products such as "New Generation Business Quick Loan," "Transaction e-loan," and "Merchant e-loan" have been launched to support small enterprises in the consumer sector, with nearly 40 million yuan in loans issued to service consumption enterprises by September 2025 [2]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is focusing on digital transformation to enhance financial services and support local economic development, with significant growth in loans for core digital economy industries and strategic emerging industries [1][2] Digital Financial Development - ICBC Beihai Branch has established a special leadership team to oversee digital transformation, integrating financial technology with core business departments to create an efficient collaborative system [2] - The branch has launched the first technology finance specialty sub-branch, focusing on providing diversified financial support to technology enterprises [2] Service Efficiency Enhancement - The branch is leveraging digital technologies to expand financial services, including the application of digital RMB and innovations in cross-border payments and smart contracts [3] - As of September 2025, the inclusive finance loan balance exceeded 1.2 billion yuan, with a growth rate of 46.4%, benefiting over a thousand small and micro enterprises [3] Green Finance Initiatives - ICBC Beihai Branch is committed to green development, increasing the supply of green finance to support key areas such as green energy and infrastructure upgrades [4] - The green loan balance reached over 2.1 billion yuan, reflecting a growth of 19.77% as of September 2025 [4] Enhanced Public Financial Services - The branch is improving the accessibility and convenience of financial services, including the establishment of a social security financial supermarket and tailored services for elderly clients [5] - The bank is also bridging the digital divide by enhancing traditional cash services while promoting mobile banking and smart devices [5] Risk Management and Security - ICBC Beihai Branch emphasizes consumer rights protection and data security, implementing comprehensive risk management strategies and enhancing cybersecurity measures [6] - The branch is committed to continuous improvement in digital financial services while ensuring risk prevention and control [6]

10月29日，工商银行盘中下跌2.00%，截至14:06，报7.83元/股，成交21.26亿元，换手率0.10%，总市值 27906.61亿元。 资金流向方面，主力资金净流出2095.52万元，特大单买入4.80亿元，占比22.57%，卖出4.69亿元，占比 22.05%；大单买入5.77亿元，占比27.13%，卖出6.09亿元，占比28.63%。 分红方面，工商银行A股上市后累计派现15252.88亿元。近三年，累计派现3271.45亿元。 机构持仓方面，截止2025年6月30日，工商银行十大流通股东中，香港中央结算有限公司位居第五大流 通股东，持股24.85亿股，相比上期增加9811.28万股。华夏上证50ETF（510050）位居第八大流通股 东，持股6.87亿股，相比上期增加4567.40万股。华泰柏瑞沪深300ETF（510300）位居第九大流通股 东，持股6.23亿股，相比上期增加4935.99万股。易方达沪深300ETF（510310）位居第十大流通股东， 持股4.45亿股，相比上期增加4414.25万股。 责任编辑：小浪快报 工商银行所属申万行业为：银行-国有大型银行Ⅱ-国有大型银行Ⅲ。所属概 ...

Group 1 - The Rongchang District held a financing matchmaking conference aimed at promoting high-quality development of the private economy, attracting 11 banks and 80 private enterprises [2][3] - The conference focused on the theme "Gathering Innovation to Drive the Future," facilitating dialogue between government, financial institutions, and private enterprises to address financing challenges [2] - A total of 10 financing agreements were signed during the event, amounting to 682 million yuan, covering key sectors such as intelligent manufacturing and the poultry industry [2] Group 2 - As of January to September this year, the Rongchang District had over 70,000 private economic entities, with a loan balance of 9.512 billion yuan, reflecting a year-on-year growth of 8.32% [2] - Financial institutions have introduced 76 specialized products to meet the full-cycle financing needs of enterprises, with the average interest rate for new private enterprise loans dropping to 3.31% [2] - The Rongchang District aims to normalize government-bank-enterprise interactions, targeting an additional 5 billion yuan in credit for private enterprises by the end of the year [3]

Core Insights - Jinzhou Bank has officially been acquired by Industrial and Commercial Bank of China (ICBC), marking the end of a six-year reform process aimed at mitigating risks [2][3] - The acquisition includes the transfer of assets, liabilities, business operations, branches, and personnel from Jinzhou Bank to ICBC, with a focus on ensuring that the rights of depositors remain unaffected [2][3] - This acquisition represents a significant move in the banking sector, as it is the first instance of a major state-owned bank fully absorbing an independent city commercial bank [3][4] Summary by Sections Acquisition Details - Jinzhou Bank announced that ICBC will take over its assets, liabilities, business operations, branches, and personnel, as per the signed acquisition agreement [2] - The migration of business operations to ICBC's platforms will occur 15 working days after the notification, with specific timelines to be announced later [2] Business Migration - The migration will include corporate banking services such as settlement accounts, online banking, check services, and payroll services, as well as personal banking services like payment and fund distribution [2] - Certain credit card functionalities will be temporarily unavailable during the transition [2] Market Reaction and Implications - The official announcement of the acquisition signifies the conclusion of Jinzhou Bank's reform efforts, which have been ongoing for nearly six years [3] - The acquisition is viewed as an innovative approach by large commercial banks to address risks associated with smaller financial institutions [3][4] - The move is expected to set a precedent for future risk management strategies within the banking sector [4]

Core Points - Jinzhou Bank has been acquired by Industrial and Commercial Bank of China (ICBC), marking the end of a six-year reform process [2][3] - The acquisition includes the transfer of assets, liabilities, business operations, branches, and personnel from Jinzhou Bank to ICBC [2] - Jinzhou Bank's depositors' rights will remain unaffected by the acquisition [2] Summary by Sections Acquisition Details - Jinzhou Bank announced that ICBC will take over its related assets, liabilities, business operations, branches, and personnel, as per the signed acquisition agreement [2] - The migration of business operations to ICBC's channels will occur 15 working days after the announcement, with specific timelines to be provided later [2] - The migration includes corporate banking services such as settlement accounts, online banking, and personal banking services like payment and fund distribution [2] Current Status - Jinzhou Bank's official website is currently inaccessible, but its mobile banking app remains operational [3] - A customer noted a decrease in interest rates for deposits, aligning with larger banks' rates [3] - As of October 28, the bank's name has not changed, and future announcements will clarify if it will become a branch of ICBC [3] Industry Implications - This acquisition represents a significant move in the resolution of risks associated with smaller financial institutions in China, with ICBC's involvement marking a new phase in risk management [2] - The acquisition is noted as the first instance of a major state-owned bank fully absorbing an independent city commercial bank, differing from more common methods of restructuring or merging regional banks [2][3]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) has officially acquired Jinzhou Bank, ensuring that the legal rights of depositors remain unaffected [1] Group 1: Acquisition Details - ICBC signed an acquisition agreement to take over Jinzhou Bank's related assets, liabilities, business operations, branches, and personnel [1] - This acquisition marks a significant development in the evolution of risk management strategies for small and medium-sized financial institutions in China, transitioning from the "Baoshang model" to the "Jinzhou model" [1] Group 2: Impact on Depositors - Jinzhou Bank's announcement emphasizes that the legal rights of its depositors will not be impacted by the acquisition [1]

Core Insights - The article highlights the efforts of Industrial and Commercial Bank of China (ICBC) in enhancing community financial literacy and service experience through the "ICBC Station" initiative, which combines financial knowledge dissemination with convenient services [1][2] Group 1: Community Engagement - ICBC Weihai Hot Spring Branch conducted a community outreach event in Xibei Village, providing on-site services and financial education to residents [1] - The initiative included the distribution of promotional materials covering topics such as anti-counterfeiting, fraud prevention, personal credit, and investment knowledge, particularly targeting the elderly [1][2] Group 2: Financial Education and Support - The bank staff provided guidance on using mobile banking and changing the third-generation social security card, while also advising residents on recognizing and avoiding financial scams [2] - The outreach aimed to improve residents' understanding of financial knowledge and enhance their ability to identify and prevent financial risks [1][2] Group 3: Commitment to Community Service - The "ICBC Station" serves as both a platform for financial knowledge dissemination and a point for convenient services, reflecting the bank's commitment to social responsibility [2] - Future plans include regular community financial service activities, diversifying service offerings, and improving service quality to better meet the needs of residents [2]