INDUSTRIAL BANK(SH:601166) Zhong Guo Jin Rong Xin Xi Wang·2025-11-27 08:58Core Insights - The article highlights the efforts of Industrial Bank's Nanning Branch in enhancing financial services for small and micro enterprises, focusing on innovative financing solutions and expanding inclusive finance coverage [1][5]. Group 1: Financial Support for Small and Micro Enterprises - Since the launch of the financing coordination mechanism in October 2024, the Nanning Branch has visited over 6,000 small and micro enterprises and provided loans exceeding 8.4 billion yuan [1]. - As of the end of October 2025, the balance of inclusive loans at the Nanning Branch reached over 7.5 billion yuan [1]. Group 2: Mechanism Innovation - The Nanning Branch has established a dedicated task force to address the financing challenges faced by small and micro enterprises, implementing reforms in approval processes, loan pricing subsidies, and due diligence exemptions [1]. - New working groups for private enterprises and small foreign trade enterprises have been created to better meet diverse financing needs [1]. Group 3: Financial Service Accessibility - A financial commissioner mechanism has been established to enhance on-the-ground services, conducting extensive outreach to ensure financial services reach remote areas [1]. Group 4: Innovative Financing Solutions - A comprehensive financing solution combining collateral, credit, and order pledges was introduced for an agricultural micro-enterprise, providing 16 million yuan in financing to support market expansion [2]. - The "Xing Su Loan (Park Exclusive)" online financing product utilizes big data and AI for credit approval, allowing for rapid loan disbursement, with 200 million yuan in pure credit loans processed quickly [3]. Group 5: Targeted Support for Tech Enterprises - The Nanning Branch is integrating technology finance with inclusive finance to ensure efficient access to credit for small tech enterprises, providing a tailored financing solution of 10 million yuan to a pharmaceutical company facing funding shortages [4]. - As of the end of October 2025, the financing balance for small tech enterprises at the Nanning Branch reached approximately 1.9 billion yuan [4]. Group 6: Future Directions - The Nanning Branch aims to continue expanding its financial services from urban to rural areas and from traditional to emerging sectors, emphasizing its commitment to serving the real economy and supporting high-quality economic development [5].