携综合金融优势，广发银行烟台分行让普惠之光照亮小微企业

Core Viewpoint - The article emphasizes the importance of inclusive finance and the role of insurance in safeguarding the livelihoods of families, highlighting the commitment of China Life Insurance and Guangfa Bank in promoting inclusive financial services [1][3]. Group 1: Company Initiatives - Guangfa Bank has been a pioneer in the commercial banking sector since its establishment in 1988, with a significant boost from China Life Insurance's acquisition in 2016, enhancing its position as a unique player in the market [3]. - As of mid-2025, Guangfa Bank's inclusive loans for small and micro enterprises exceeded 300 million yuan, benefiting nearly 500 businesses, demonstrating its commitment to supporting local economic growth [3][5]. - The bank has established a dedicated team to implement inclusive finance policies, conducting outreach to over 100 enterprises and forming financing intentions with more than 50 [5]. Group 2: Product Innovation - Guangfa Bank has introduced innovative products like "Hui Xintong," allowing businesses to secure loans based solely on tax records, thus simplifying the loan process [6]. - The bank has tailored online credit products for specialized small and micro enterprises, significantly improving financing efficiency and credit limits [6]. - Knowledge property pledge financing has been developed to support technology-driven small enterprises, effectively utilizing their intellectual assets for funding [6]. Group 3: Service Enhancement - The bank has launched an online service platform enabling clients to apply for loans and check business progress anytime, enhancing customer experience [7]. - Guangfa Bank actively engages in outreach activities to understand the financial needs of businesses and farmers, customizing financial solutions accordingly [7]. - The bank participated in a government-organized financial exchange meeting, promoting its unique financial products to small and micro enterprises, resulting in initial cooperation agreements [7]. Group 4: Collaborative Efforts - Guangfa Bank collaborates with government departments to enhance inclusive finance, integrating various resources to support technology innovation enterprises [8]. - The bank has successfully issued a 10 million yuan loan through a combined equity and debt financing model, showcasing its commitment to supporting the real economy [8]. Group 5: Technological Integration - The bank is leveraging technology, including big data and AI, to enhance its inclusive finance services, aiming for a digital transformation by 2024 [9][10]. - The implementation of a smart system has significantly reduced loan approval times, allowing for rapid funding solutions for small enterprises [10]. Group 6: Support for Enterprises - Guangfa Bank has improved its loan offerings, including no-repayment loans and long-term financing options, to alleviate financial pressures on small enterprises [11]. - By mid-2023, the bank had issued over 53 million yuan in no-repayment loans and 110 million yuan in long-term loans to small businesses, aiding them in overcoming temporary financial challenges [11]. Group 7: Future Outlook - Guangfa Bank aims to continue its commitment to inclusive finance by innovating service models and optimizing product offerings to support the growth of small enterprises and the agricultural sector [12].