Bei Jing Ri Bao Ke Hu Duan·2025-08-19 22:08Core Insights - Inclusive finance in Beijing is driving development across various sectors and demographics, reflecting a people-centered approach in China's financial work [1] - Agricultural Bank of China Beijing Branch is actively integrating into the capital's development strategy by enhancing financial services for small and micro enterprises and supporting rural revitalization [1] Product Matrix Matching Diverse Needs - Agricultural Bank of China Beijing Branch has developed a diverse range of inclusive financial products to meet the varied needs of small and micro enterprises, including "Tech E-Loan" and "Kejie Loan" [2] - The bank's product offerings aim to provide tailored financing solutions for different types of enterprises, ensuring effective financial service delivery [2] Service Downstream Building a Full-Chain Inclusive Network - The bank has shifted its approach to proactively reach out to small and micro enterprises, enhancing service delivery through an integrated online and offline mechanism [3] - Initiatives like "Thousand Enterprises, Ten Thousand Households" visits allow bank representatives to understand and address the financing challenges faced by businesses [3] Precision Service Mechanism - A "one-on-one" dedicated service mechanism has been established to provide real-time responses to enterprise inquiries, enhancing the overall service experience [4] - The bank has implemented a differentiated policy for credit and authorization, empowering grassroots branches to better serve small and micro enterprises [5] Collaborative Efforts Optimizing the Inclusive Finance Ecosystem - The bank recognizes the importance of a multi-party ecosystem involving government, banks, and enterprises to effectively address the financing challenges faced by small and micro enterprises [6] - Since the establishment of the "Small Micro Financing Coordination Mechanism," the bank has actively engaged with government initiatives to streamline financial services [6][7] Results of Multi-Party Collaboration - As of June 2025, the inclusive loan balance of Agricultural Bank of China Beijing Branch exceeded 50 billion yuan, marking a significant increase and reflecting the success of collaborative efforts [7] - The bank's actions demonstrate its commitment to supporting the growth of small and micro enterprises, contributing to high-quality economic development in the capital [7]