截至6月末，我省普惠贷款余额达1278亿元

Core Insights - The total balance of inclusive loans in Hainan Province reached 127.8 billion yuan by the end of June, with 142,200 loan recipients benefiting from this initiative [1][2]. Group 1: Loan Growth and Beneficiaries - The balance of inclusive microloans in Hainan Province increased by 11% year-on-year, reaching 127.8 billion yuan [2]. - The number of loan recipients grew by 9.2% year-on-year, totaling 142,200 [2]. Group 2: Policy and Operational Improvements - Hainan's financial institutions are focusing on optimizing service models and increasing credit investments to support the real economy and rural revitalization [2]. - The People's Bank of China (PBOC) Hainan branch is implementing a deposit interest rate linkage mechanism to guide banks in lowering deposit rates in line with state-owned and joint-stock banks [2]. - Banks in Hainan are advancing online, credit-based, and scenario-based services to alleviate common financing difficulties faced by small and micro enterprises [2]. Group 3: Future Directions - The PBOC Hainan branch plans to continue guiding financial institutions to enhance the quality and efficiency of financial services for the real economy [3].