Zhong Guo Jin Rong Xin Xi Wang·2025-08-01 08:42Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Wuzhou Branch has implemented measures to enhance credit expansion, focusing on the real economy, inclusive small and micro enterprises, and personal loan markets, resulting in an effective increase in loan issuance and optimization of credit structure [1] Group 1: Credit Expansion Measures - As of June 30, 2025, the bank's total loans increased by 367 million yuan compared to the beginning of the year [1] - The bank is focusing on key areas for credit investment, leveraging its corporate credit advantages to support economic development and industrial upgrades in the Wuzhou area [1] - The bank is actively participating in the construction of the Xijiang Economic Belt and the Guangdong-Hong Kong-Macao Greater Bay Area, expanding investments in projects such as highways and green energy [1] Group 2: Inclusive Finance Initiatives - The bank is accelerating the expansion of inclusive credit markets, targeting industrial clusters, professional markets, quality business circles, and core customers [1] - Initiatives include the development of specialized loan products such as "One County, One Feature" agricultural loans, planting loans, trading loans, and regional loans to support small and micro enterprises [1] - The bank is utilizing a financing coordination mechanism to assist small and micro enterprises with no-repayment renewal loans, effectively addressing the "renewal loan difficulty" issue [1] Group 3: Personal Loan Business Transformation - The bank is fully promoting a "retail + inclusive" credit strategy, focusing on personal operating and consumer credit business [1] - There is an emphasis on increasing the proportion of non-housing loans within personal loans by leveraging product advantages [1] - The bank is enhancing its personal loan business development by promoting products like "Business Quick Loan" and "Rong E Borrow," and focusing on scenario-based expansion [1]