Jiang Nan Shi Bao·2025-05-14 15:55Core Viewpoint - Inclusive finance is crucial for the development of enterprises and the overall modernization strategy, reflecting the commitment of financial institutions to national strategies and social welfare [2] Group 1: Policy and Strategy - The State Council issued guidelines in March to enhance a multi-level, widely covered, and sustainable inclusive financial system [2] - Agricultural Bank of China Nanjing Branch aligns with national policies, prioritizing high-quality development of inclusive finance and focusing on key strategic areas [2] Group 2: Financial Services Innovation - The bank has developed a specialized credit service evaluation system for technology enterprises, allowing a storage technology company to secure a credit limit of 10 million yuan [3] - Nanjing Agricultural Bank has shifted from traditional credit assessment methods to a more comprehensive evaluation based on future growth potential [3][4] Group 3: Digital Transformation - The bank is accelerating its digital transformation in inclusive finance, implementing standardized online credit products to enhance service efficiency [4] - The establishment of "Inclusive e-Station" facilitates loan applications and enhances customer interaction, ensuring timely financial services [5] Group 4: Supply Chain Financing - Nanjing Agricultural Bank extends its inclusive financial services to small and micro enterprises within supply chains, addressing information asymmetry [7] - The bank has developed a range of supply chain financing products, including "Order Pool Financing," which significantly improves funding efficiency [9] Group 5: Customer-Centric Approach - The bank exemplifies a customer-centric approach by providing urgent services, such as traveling across provinces to meet clients' needs [10] - This commitment to service is reflected in the bank's ability to respond quickly to clients' financial requirements, ensuring timely support [10] Group 6: Support for Technological Innovation - The bank is focused on supporting high-tech enterprises by offering tailored financial solutions that address their unique funding challenges [13] - By combining intellectual property pledges and fixed asset mortgages, the bank provides significant loans to technology firms, facilitating their growth [13][14]