获评小微企业服务“优秀”彰显金融担当

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Dezhou Branch has been recognized for its outstanding performance in promoting inclusive finance, marking a significant achievement in its efforts to support small and micro enterprises [1][2]. Group 1: Party Building and Development Foundation - ICBC Dezhou Branch integrates party building into the entire process of inclusive finance, establishing a "Party Building + Inclusive Finance" dual-drive mechanism to align party work with business planning and execution [2]. - The branch has conducted over 50 themed party day activities and visited more than 600 enterprises, collecting financing needs amounting to nearly 400 million yuan [2]. - The implementation of the "Double 357" strategy ensures compliance and precision in inclusive loan disbursement, with the experience being promoted as a typical case by the provincial bank [2]. Group 2: Innovation and Service Quality Improvement - The branch has developed a three-dimensional service system focusing on "Digital Inclusion + Supply Chain Finance + Rural Revitalization," targeting four major customer groups [2]. - In the digital inclusion sector, the branch has added 400 million yuan in mortgage loans this year, with the first 5 million yuan "e-expansion loan" successfully launched [2]. - The average time from application to loan disbursement has been reduced to 2.3 hours, with new credit loans totaling 344 million yuan [2]. - Agricultural loans have exceeded 20 billion yuan, with a growth rate of 16.45% for inclusive agricultural loans, surpassing the overall growth rate of agricultural loans by 4.4 percentage points [2]. Group 3: Mechanism Innovation and Service Coverage - Since the launch of the small and micro enterprise financing coordination mechanism, the branch has visited over 4,000 enterprises, completing credit approvals for 2,300 enterprises with a total amount of 3 billion yuan [3]. - The branch has established an "online + offline" dual-service model, conducting 26 events to connect financial policies with enterprises' financing needs [3]. - Utilizing big data modeling technology, the branch has developed scenario-based products like "Tax e-loan" and "Settlement e-loan," allowing clients to apply for loans based on tax data and transaction flows, with maximum limits raised to 5 million yuan [3].