Jin Rong Shi Bao·2025-08-22 02:29Group 1 - The core viewpoint emphasizes the importance of inclusive finance as a key requirement from the Central Financial Work Conference, impacting both small and micro enterprises and the well-being of the populace [1] - The People's Bank of China reported that by the end of Q2 2025, the balance of inclusive micro loans reached 35.57 trillion yuan, with a year-on-year growth of 12.3%, outpacing the growth of other loans by 5.2 percentage points [1] - Agricultural Bank of China (ABC) Beijing Branch has significantly enhanced its inclusive finance services, achieving a balance of inclusive loans exceeding 50 billion yuan and a historical high annual increment of over 10 billion yuan as of June this year [1] Group 2 - 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 owners were 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 3 - ABC Beijing Branch actively engaged in the financing coordination mechanism, forming a dedicated task force and launching a "thousand enterprises, ten thousand households" outreach initiative [3] - The bank organized a "Credit Easy Access" event to inform enterprises about government policies and ABC's loan products, providing tailored financial solutions to address their financing challenges [3] Group 4 - A small enterprise in Huairou District faced a funding crisis due to insufficient collateral for a large payment, highlighting the challenges small businesses encounter [4] - ABC Beijing Branch utilized the financing coordination mechanism to identify the enterprise's funding issues and provided a tailored credit product, "Jingxi Changrong," which does not require collateral [5] Group 5 - The bank expedited the approval process, granting a credit limit of 3 million yuan and successfully disbursing 500,000 yuan to the enterprise for its urgent payment needs [6] - ABC Beijing Branch has developed a diverse range of online products, including "Micro Quick Loan," "Mortgage e-Loan," and "Chain Quick Loan," to better serve small enterprises [6] Group 6 - A technology enterprise in Fengtai District, established over 20 years ago, faced funding pressures due to business expansion, prompting ABC Beijing Branch to offer a customized financing solution [7] - The bank employed a combined online and offline marketing service model to assess the enterprise's needs and provide a suitable financing plan, ultimately matching them with the "Kejie Loan" [7][8] Group 7 - The successful implementation of the "Kejie Loan" has been well-received by the enterprise, which expressed interest in further collaboration with ABC [8] - ABC Beijing Branch aims to leverage this success to offer comprehensive and personalized financial solutions to more technology-driven enterprises, contributing to high-quality financial development in the capital [8]