Nan Fang Du Shi Bao·2025-08-25 23:14Core Insights - Shenzhen has transformed from a small fishing village to a global innovation hub, achieving over 10,000 times GDP growth in 45 years [3] - Small and micro enterprises are the driving force behind Shenzhen's economic growth and technological innovation, supported by inclusive finance [4][5] - The Industrial and Commercial Bank of China (ICBC) Shenzhen Branch has significantly contributed to this growth, with inclusive loan balances exceeding 200 billion yuan, marking a tenfold increase over five years [6] Group 1: Inclusive Finance as a Growth Driver - ICBC Shenzhen has established a comprehensive inclusive finance strategy, with 39 flagship and 19 benchmark inclusive finance outlets, serving over 100,000 small and micro enterprises [5][6] - The bank's inclusive loan balance reached a historic high of 200 billion yuan by August 2025, with an annual growth rate of 43% [6] - The bank's efforts are deeply integrated into Shenzhen's "20+8" industrial clusters, focusing on technology, green initiatives, and rural revitalization [5][6] Group 2: Innovative Service Models - ICBC Shenzhen has introduced "Park e-loan" products to address information asymmetry in traditional inclusive finance, enhancing service delivery to industrial parks [7][8] - The bank has developed specialized products like "Industrial Innovation Loan" for high-growth, asset-light enterprises and "Inclusive Merchant Loan" for individual businesses [9][10] - The bank's digital tools, such as digital credit certificates, are utilized to provide targeted financial support to various sectors, including agriculture [11][12] Group 3: Digital Transformation in Finance - ICBC Shenzhen has integrated technology into its inclusive finance model, creating a digital ecosystem that supports data-driven decision-making and online services [14] - The bank has streamlined the mortgage process to reduce transaction times to under 8 hours, significantly improving efficiency for clients [14] - The establishment of a modular digital platform allows for rapid response to innovative financial service demands, enhancing overall service delivery [14] Group 4: Ecosystem Development for Small Enterprises - The bank emphasizes a collaborative approach to build a supportive ecosystem for small and micro enterprises, integrating financing, intelligence, and business services [15] - Initiatives include creating credit information mechanisms and deepening partnerships with government-backed guarantee programs to lower financing costs [16] - The bank aims to transition from being a financial provider to a comprehensive service enabler, enhancing support for the economic fabric of Shenzhen [18] Group 5: Commitment to Sustainable Development - ICBC Shenzhen's inclusive finance strategy aligns with the broader goal of supporting Shenzhen's development as a model for socialism with Chinese characteristics [19] - The bank's commitment to "no inclusivity, no future" reflects its dedication to serving the real economy and fostering sustainable growth [19] - The bank's financial contributions are seen as vital to the ongoing development narrative of Shenzhen, reinforcing the importance of small enterprises in the local economy [19]