Zhong Guo Jin Rong Xin Xi Wang·2025-07-22 12:24Core Insights - The Industrial and Commercial Bank of China (ICBC) Qinzhou Branch has focused on serving the real economy and implementing inclusive finance strategies, achieving a balance of quantity and quality in its inclusive finance business, with an increase of 250 million yuan in inclusive finance loans by mid-June, ranking among the top in local peers [1][2] Group 1: Operational Efficiency - The bank has optimized internal resource integration and unified scheduling capabilities to enhance overall service efficiency [1] - Emphasis on professional talent development through systematic training to improve core competencies in product application, risk identification, and customer service [1] - The bank has fostered collaboration between professional departments and operational institutions to address practical issues in the market [1] Group 2: Market Expansion - The bank targets core customer groups and conducts chain-style, bulk marketing around supply chains, key parks, and quality agriculture [2] - Strategic partnerships with government agencies, industry associations, and e-commerce platforms have been deepened to promote various inclusive finance products [2] - The bank is focused on refining customer maintenance and secondary development across corporate, retail, and small micro-enterprise segments [2] Group 3: Risk Management - The bank has enhanced post-loan management and established clear customer maintenance responsibilities through regular site visits [2] - Monitoring and analysis of settlement funds for small micro-enterprise clients have been strengthened to ensure alignment between credit fund usage and business needs [2] - The bank is committed to optimizing the structure of credit assets to ensure sustainable and healthy business development [2]