AGRICULTURAL BANK OF CHINA(SH:601288) Nan Fang Du Shi Bao·2025-11-27 23:14Core Insights - Agricultural Bank of China Guangzhou Branch is focusing on inclusive finance to support rural areas and small enterprises, aiming for both scale and quality in its financial services [2][4][9] Group 1: Inclusive Finance Initiatives - By the end of Q3 2025, the bank aims to have inclusive loan balances exceeding 90 billion yuan, with an increase of over 10 billion yuan since the beginning of the year [2] - The number of inclusive loan clients has surpassed 40,000, with an increase of over 2,000 clients since the start of the year [2] - The non-performing loan ratio for inclusive loans remains below 2%, making it the best among comparable peers [2] Group 2: Service Delivery and Product Development - The bank has implemented a "downward" strategy, deploying professional teams to rural areas and launching nearly 30 specialized loan products tailored to local needs [5] - In 2023, the bank issued over 1 billion yuan in credit loans to farmers [5] - The establishment of new rural financial service stations has enhanced financial penetration and service quality in county and township areas [5] Group 3: Technology and Innovation - The bank utilizes data-driven approaches to identify and serve technology-based small and micro enterprises, significantly improving service efficiency [6][8] - A partnership with Agricultural Bank Investment Company has enabled a "credit + direct investment" model, facilitating faster growth for enterprises [7] - Since the implementation of this model, the number of technology-based small and micro enterprises served has increased by over 1,000, with a service scale exceeding 5 billion yuan [8] Group 4: Risk Management - The bank has established a two-tier integrated operational mechanism to enhance marketing and risk management, focusing on a team that understands products, marketing, and risk control [9][10] - Collaboration with financing guarantee companies has strengthened the risk management framework for small micro-finance [10] - The bank's inclusive loan non-performing rate remains below 2%, indicating strong asset quality [10]