Zhong Guo Jin Rong Xin Xi Wang·2025-10-15 03:04Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Nanning Branch is committed to enhancing its financial services by focusing on inclusive finance, aiming to support the real economy through innovative service models and targeted financial solutions [1] Group 1: Innovative Service Models - The ICBC Nanning Branch is transitioning from a "dispersed marketing" approach to a "chain group empowerment" model to address challenges such as complex customer structures and inefficient data collection [2] - This new model focuses on industry chains, supply chains, and core business circles, leveraging the information advantages of key enterprises to efficiently reach and serve small and micro enterprises [2] - The innovative approach has significantly improved the coverage, operational efficiency, and risk management capabilities of inclusive financial services, alleviating service pressure at the grassroots level [2] Group 2: Product Development and Achievements - Utilizing the new "concentrated marketing and batch management" model, the ICBC Nanning Branch has successfully introduced two key financing products: "Transaction e-loan" and "Yongcheng e-loan" [2] - As of mid-September 2025, the branch has successfully admitted 23 clusters for "Yongcheng e-loan" and 3 clusters for "Transaction e-loan," covering diverse sectors such as agricultural logistics, building materials, auto parts, retail, electronic technology, and medical devices, with a total financing limit of nearly 1.2 billion [2] Group 3: Service Network and Collaboration - The service network of ICBC Nanning Branch has expanded to cover major urban areas in Nanning and surrounding counties, supporting key projects like the "vegetable basket" initiative and large commercial complexes [3] - The branch is actively exploring innovative collaborations with state-owned shipping trade financial service platforms and core enterprises to develop new supply chain financing models in sectors like renewable energy consumption and international trade [3] Group 4: Risk Management - While promoting business innovation, the ICBC Nanning Branch prioritizes risk management by enhancing pre-loan investigations and quota management to understand customer operations and industry risks [4] - The bank emphasizes dynamic tracking of customer operations and industry risk changes post-loan, establishing effective risk warning mechanisms to ensure sustainable development of inclusive finance [4]