Zhong Guo Jin Rong Xin Xi Wang·2025-07-22 05:45Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch is implementing four measures to enhance the accessibility of financial services for small and micro enterprises, thereby stimulating their internal growth potential and supporting the development of inclusive finance [1][2]. Group 1: Financial Accessibility - As of June 30, 2025, the balance of inclusive loans at ICBC Fangchenggang Branch increased by 242 million yuan, representing a growth rate of 19.58% compared to the beginning of the year [1]. - The bank is conducting the "Ruiniao Action" to engage with small and micro enterprises that have relatively low revenue, providing targeted guidance in financial management, industry planning, information collection, and financing enhancement [1][2]. - The bank utilizes social security, tax, and housing fund information to identify small and micro enterprises with market potential, good credit, and financing needs, catering to their initial loan requirements [1][2]. Group 2: Financial Convenience - The bank is focused on optimizing the business environment and improving service efficiency by ensuring that clients are informed about required documents and procedures in a single visit [1]. - A specialized team dedicated to inclusive finance is being developed, implementing mechanisms such as "fast review and fast loan," "time-limited processing," and "green channels" to enhance loan disbursement [1]. - The bank is enhancing its digital capabilities by leveraging technologies such as the internet, big data, artificial intelligence, and blockchain to create a "finance + scenario" service model [2]. Group 3: Financial Promotion - The bank is conducting targeted and comprehensive promotional activities to raise awareness of inclusive financial services, particularly in the border and coastal areas [2]. - Various methods, including promotional videos, policy introductions, financial knowledge quizzes, and friendly business discussions, are being employed to disseminate financial knowledge to local residents [2]. - The bank aims to create a favorable environment for the high-quality development of inclusive finance by guiding residents on how to effectively utilize financial services [2].