平安银行上海分行全力抒写普惠金融高质量发展“新篇章”

Core Viewpoint - Ping An Bank's Shanghai branch has launched a "4+1" product system aimed at addressing the financing difficulties faced by small and micro enterprises, emphasizing the importance of inclusive finance for economic stability and growth [1][2]. Group 1: Product System and Services - The "4+1" product system includes "Science and Technology Loans," "Guarantee Loans," "Credit Loans," "Mortgage Loans," and "Scenario Loans," designed to provide comprehensive support to small and micro enterprises [1][2]. - The bank aims to enhance the quality of inclusive financial services by integrating resources from various subsidiaries of Ping An Group, thereby improving service efficiency and reducing financing costs for small businesses [2][3]. Group 2: Financial Performance and Impact - In 2023, the Shanghai branch has issued over 5 billion yuan in inclusive loans, with a year-on-year increase of approximately 48%, indicating the effectiveness of its inclusive finance initiatives [3]. - The bank's efforts have led to a significant reduction in account opening fees, management fees, and online banking transfer fees for nearly 100,000 small enterprises, amounting to nearly 10 million yuan in savings [5]. Group 3: Ecosystem Development - The bank has established a "4+4+4" ecosystem to effectively tackle the financing challenges faced by small and micro enterprises, focusing on enhancing service quality and expanding coverage [4][5]. - The first "4" emphasizes a service model characterized by "more, faster, better, and cheaper," with over 10 dedicated products covering 107 different industries and a loan approval process that can be completed in as little as 3 hours [5][6]. Group 4: Strategic Goals and Future Plans - Ping An Bank plans to achieve a total of 15 billion yuan in inclusive loan issuance for the year, with a focus on deepening engagement with small enterprises throughout their development lifecycle [7][8]. - The bank aims to enhance customer experience by providing additional services such as health care and retirement planning, reaching over 1,000 small enterprises to improve the overall quality of inclusive financial services [7][8].