Zhong Guo Jin Rong Xin Xi Wang·2025-06-16 12:25Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch is actively promoting inclusive finance, enhancing its services for small and micro enterprises, and achieving significant growth in inclusive loans and customer numbers as of May 31. Group 1: Loan Growth and Customer Base - As of May 31, the bank's inclusive loan balance increased by 175 million yuan compared to the beginning of the year, with the number of loan accounts rising by 130 [1]. Group 2: Simplified Account Opening - The bank has implemented simplified account opening procedures to meet the service needs of small and micro enterprises, addressing challenges such as lack of fixed operating locations and personnel [1]. - The bank utilizes various methods for identity verification, including facial recognition and mobile number validation, to facilitate account opening for new business models [1]. - The bank actively informs small and micro customers about account opening policies and application channels to enhance awareness [1]. Group 3: Service Enhancement through Branch Network - The bank leverages its branch network to improve the depth and breadth of inclusive financial services, focusing on business promotion, information collection, and client outreach [2]. - It aims to understand the comprehensive financial needs of small and micro enterprises and their associated individuals, tailoring financial service plans accordingly [2]. Group 4: Data Application and Financing Support - The bank utilizes the Guangxi local credit platform "Guixinrong" to create a data-sharing model that combines government, finance, and commerce, enhancing financing support for small and micro enterprises [2]. - By connecting its credit system with "Guixinrong," the bank can create credit profiles for previously unbanked enterprises, matching them with suitable financial products [2]. Group 5: Long-term Mechanism for Service Challenges - The bank is establishing long-term mechanisms to address challenges in providing financial services to small and micro enterprises, such as reluctance to lend and lack of understanding of loan processes [3]. - It aims to build confidence in lending, stimulate willingness to lend, strengthen the foundation for lending, and enhance the ability to provide specialized financial services [3]. - The bank promotes innovative lending models, such as proactive credit and flexible repayment options, to meet the dynamic funding needs of small and micro enterprises [3].