ICBC(SH:601398) Zhong Guo Jin Rong Xin Xi Wang·2025-10-15 11:55Core Insights - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is actively promoting inclusive finance strategies, focusing on addressing financing challenges for small and micro enterprises as well as agricultural entities through product innovation, model transformation, service optimization, and mechanism guarantees [1][2][3] Group 1: Inclusive Finance Strategy - As of September 2025, the branch's inclusive loan balance exceeded 1.2 billion yuan, an increase of over 380 million yuan from the beginning of the year, representing a growth rate of 46.4% [1] - The branch has served over a thousand small and micro enterprises and individual businesses, significantly enhancing the coverage and effectiveness of financial services [1] Group 2: Product Innovation - The branch has promoted "Business Quick Loan" to address the urgent funding needs of small and micro enterprises, with total disbursements exceeding 900 million yuan [1] - To tackle the common issue of "guarantee difficulties," the branch has collaborated with government-backed financing guarantee institutions to launch the "Bank-Government Connection" service, providing credit support to enterprises lacking collateral, with a total of 23.28 million yuan in loans issued [1] Group 3: Cluster Model Transformation - The branch has introduced the "Cluster Merchant E-Loan" to shift from a traditional "dispersed marketing" model to a "centralized marketing, batch management" approach, serving 220 clients with a loan balance exceeding 200 million yuan [2] - This model utilizes an intelligent data collection platform to gather merchant operational data and customize solutions based on different market characteristics, achieving efficient outreach and precise risk control [2] Group 4: Agricultural Financing - The branch is committed to the national rural revitalization strategy, focusing on providing comprehensive financial services for agriculture, with inclusive agricultural loans exceeding 400 million yuan as of September 2025 [2] - The branch has established a "Youth Pioneer Team" to engage directly with local agricultural sectors, promoting tailored products like "Agricultural E-Loan" to meet specific financing needs [2] Group 5: Mechanism and Policy Support - The branch has established a dedicated inclusive finance department to enhance professional service capabilities and has initiated competitions to stimulate staff engagement, resulting in 442 new small and micro enterprise loan accounts [3] - The branch has implemented a "no repayment renewal" service for eligible small and micro enterprises, processing 385 million yuan in renewals, a year-on-year increase of 57%, thereby alleviating funding pressure for businesses [3] Future Outlook - The ICBC Beihai Branch plans to continue deepening its "four-wheel drive" strategy to enhance the coverage, accessibility, and satisfaction of inclusive financial services, contributing to the high-quality development of the local economy [3]