省农信联社：发挥农村金融主力军作用 全力做好普惠金融大文章

Core Viewpoint - The Shandong Province is promoting the "Good Financial Products" brand, focusing on inclusive finance and showcasing successful case studies and products by 2025 [2] Group 1: Development of Inclusive Finance - The provincial rural credit cooperatives have issued a total of 6.2 trillion yuan in loans over the past three years, serving 3.61 million clients, with inclusive loan balances reaching 1.69 trillion yuan [4] - A long-term mechanism has been established to enhance lending willingness and capability, resulting in the creation of 102 credit products and 1,754 local specialty credit products to meet diverse customer needs [4] - As of the end of May, agricultural and small micro-enterprise loan balances reached 932.9 billion yuan and 1.12 trillion yuan respectively, maintaining over 20% market share within the province [4] Group 2: Enhancing Professional Financial Services - The focus is on customer-centric service, improving risk identification and control capabilities, and developing tailored financial solutions for clients throughout their lifecycle [5] - In the first five months, loans to 545 key industry customer groups increased by 192 billion yuan, with an 8% rise in coverage [5] Group 3: Expanding Financial Service Coverage - A mechanism has been established to connect with farmers, individual businesses, small micro-enterprises, and urban communities, with 33.1 million service grids and dedicated customer managers [6] - As of the end of May, 6.507 million clients benefited from "no-sense credit" services, and nearly 1.804 million households received credit support [6] - The province has 4,660 financial service outlets and 23,500 service points, ensuring basic financial services are available in villages and comprehensive services in towns [6] Group 4: Improving Customer Satisfaction - The overall loan interest rate has decreased by 1.14 percentage points over the past three years, saving clients 16.5 billion yuan [7] - Innovative online lending models have provided loans totaling 128.03 billion yuan to 925,000 clients [7] - The provincial rural banks will continue to focus on key areas like agriculture and small enterprises, aiming to innovate product services and reduce financing costs [7]