广发银行深入落实支持小微企业融资协调工作机制，助力小微企业高质量发展

Core Insights - The establishment of a coordination mechanism to support financing for small and micro enterprises by the National Financial Supervision Administration and the National Development and Reform Commission aims to enhance financial services for the real economy [1] Group 1: Financial Support for Small and Micro Enterprises - Guangfa Bank has prioritized inclusive finance, innovating product systems and deepening digital transformation to inject financial vitality into small and micro enterprises [1] - By the end of October 2025, the balance of inclusive loans for small and micro enterprises and agricultural loans at Guangfa Bank is expected to grow faster than other loan categories, significantly improving the coverage and precision of inclusive financial services [1] Group 2: Innovative Financing Products - Guangfa Bank has developed the "Mall E-loan" online financing product tailored for small micro enterprises in Yiwu, utilizing big data risk control technology for quick loan assessments, with over 500 enterprises benefiting and a total loan issuance exceeding 300 million [2] - In Dongguan, Guangfa Bank has introduced a financing model combining patent rights assessment and personal guarantees to address the collateral shortage faced by small foreign trade enterprises, providing a 10 million credit loan to a leading plastic products manufacturer [2] Group 3: Digital Transformation and Service Enhancement - Guangfa Bank is accelerating the digital transformation of inclusive finance, employing a collaborative model to intelligently match credit products to small and micro enterprises based on their operational characteristics [3] - The bank has integrated credit data from the Yiwu market and assigned dedicated account managers to enhance service efficiency, ensuring that businesses spend less time on administrative tasks [3] Group 4: Mechanisms to Ensure Effective Implementation - Guangfa Bank has strengthened its commitment to inclusive finance by innovating mechanisms and efficiently allocating resources, ensuring sufficient loan quotas for inclusive finance [4] - As of the end of October, the bank has visited over 150,000 small micro enterprises, granting credit exceeding 140 billion to 36,000 of them, demonstrating high-quality service in supporting small businesses [4] - Future efforts will focus on identifying financing needs of small foreign trade enterprises and addressing financing challenges in various sectors, including accommodation, catering, and new consumption scenarios [4]