Qi Lu Wan Bao·2025-11-13 16:20Core Insights - The Industrial and Commercial Bank of China (ICBC) Zaozhuang Branch has achieved record highs in inclusive loan balances and increments, with a total inclusive loan balance of 5.809 billion yuan as of the end of Q3 2025, representing an increase of 1.285 billion yuan and a growth rate of 28.4%, surpassing the overall loan growth rate by 19.48 percentage points [1] Group 1: Strategic Development - The Zaozhuang Branch prioritizes inclusive finance as a key aspect of its political and social responsibilities, aligning with national goals and its own high-quality development [1] - The branch's leadership has elevated inclusive finance to a core strategic position, focusing on top-level design, clear development goals, and resource allocation to ensure effective support for small and micro enterprises [1] Group 2: Mechanism Innovation - The branch is enhancing its inclusive financial service system by implementing a "branch + inclusive" operational model, strengthening the team of inclusive finance specialists, and facilitating collaboration between customer managers and branches [2] - The implementation of the provincial inclusive finance expansion project "321" aims to customize outreach plans based on branch positioning and surrounding resources, improving service efficiency [2] Group 3: Product Development - The Zaozhuang Branch has diversified its inclusive credit products in response to market demand, providing 527 million yuan in "Science and Innovation Loans" to 78 technology enterprises and supporting 136 enterprises in industrial parks with 368 million yuan in "Park Loans" [3] - The branch has also innovated digital agricultural inclusive products, such as the "Pomegranate Loan," which has provided over 65 million yuan in credit to 59 small enterprises and farmers in the pomegranate industry [3] - Future plans include enhancing service quality, increasing loan disbursement, and maintaining risk management to further advance inclusive finance initiatives [3]