Jin Rong Shi Bao·2025-08-22 01:32Core Insights - The central financial work conference emphasizes the importance of inclusive finance, which is crucial for the development of small and micro enterprises and the well-being of the populace [1] - Significant progress has been made in the development of inclusive finance in China, with the balance of inclusive micro loans reaching 35.57 trillion yuan, a year-on-year increase of 12.3%, outpacing the growth of other loans by 5.2 percentage points [1] - Agricultural Bank of China (ABC) Beijing Branch has played a vital role in enhancing inclusive financial services, achieving a balance of inclusive loans exceeding 50 billion yuan and a historical high increase of over 10 billion yuan in the first half of the year [1] Group 1: Policy and Mechanisms - A new financing coordination mechanism for small and micro enterprises was established in October 2024, aiming to facilitate direct and efficient access to bank credit for these businesses [2] - As of June 2025, over 90 million small business entities have been visited under this mechanism, resulting in new credit issuance of 23.6 trillion yuan and new loans of 17.8 trillion yuan, with 32.8% being credit loans [2] Group 2: Service Initiatives - ABC Beijing Branch has actively engaged in the financing coordination mechanism, forming specialized teams and conducting outreach activities to support small and micro enterprises [3][4] - The bank has introduced a credit product called "Jingxi Changrong," which is a non-collateral credit product designed to meet the funding needs of enterprises [5] Group 3: Case Studies - A small enterprise in Huairou District faced a funding crisis due to insufficient collateral but received a 300 million yuan credit approval from ABC Beijing Branch, which helped them pay for a large order [4][5] - Another technology enterprise in Fengtai District received tailored financing solutions through a combination of online and offline services, which included a product called "Kejie Loan" to support their production and expansion needs [6][7]