兴业银行济南分行着力提升普惠金融服务质效

Core Viewpoint - The Jinan Branch of Industrial Bank is enhancing its "Inclusive Finance" initiatives by strengthening services for small and micro enterprises, technology innovation companies, and rural revitalization, thereby expanding financial service supply and improving service quality for small and micro enterprises [1][2] Group 1: Support for Small and Micro Enterprises - The Jinan Branch has increased its inclusive credit support, with the balance of inclusive loans for small micro enterprises in Rizhao City reaching 924 million yuan by the end of 2024, an increase of 127 million yuan since the beginning of the year [1] - The bank is accelerating its digital transformation by enriching online financing product offerings, upgrading online systems, and optimizing business processes to provide efficient digital financial services to small and micro enterprises and individual businesses [1] Group 2: Support for Technology Innovation Sector - The Jinan Branch focuses on providing credit support to the technology innovation sector and high-tech enterprises, launching innovative products and optimizing review processes to enhance approval and disbursement efficiency [2] - The bank has introduced a range of products such as "Investment Linked Loan," "Talent Loan," "Technology Innovation Loan," and "Intellectual Property Pledge Financing" to meet the diverse financing needs of innovative small and medium-sized enterprises [2] - A "technology flow" credit control model has been established for technology innovation enterprises, which emphasizes the company's technological capabilities and future development potential rather than solely financial metrics [2] Group 3: Cost Reduction for Small and Micro Enterprises - The Jinan Branch is implementing policies to reduce financing costs for small and micro enterprises, including preferential interest rates on inclusive loans and training on cost reduction measures [2] - The bank is committed to establishing a long-term mechanism for regular self-inspection to protect the rights and interests of small micro enterprise clients [2]