深圳晋升“专精特新第一城”，农行深圳分行“园区贷2.0”赋能小微

Core Insights - Shenzhen has become the leading city in China for "specialized, refined, distinctive, and innovative" small giant enterprises, with a total of 1,333 such companies as of December, according to the Ministry of Industry and Information Technology [1] - The "Park Loan" initiative has been introduced to provide financial support to small and micro enterprises, addressing the financing challenges they face [1][7] - Agricultural Bank of China Shenzhen Branch has reported significant achievements in its inclusive finance business, with a total of over 112 billion yuan in inclusive loans by the end of November 2025, serving more than 47,000 small and micro enterprises [1] Group 1: Park Loan Initiative - The "Park Loan" is characterized by high limits, low interest rates, and no collateral, relying on a collaborative mechanism among government, banks, and parks to ensure precise financial resource allocation [2][7] - The initiative has evolved into "Park Loan 2.0," expanding its pilot program to include 27 banks and 60 industrial parks, with total credit exceeding 28.6 billion yuan [3] - The program aims to provide customized, high-quality industrial spaces for specialized small and medium enterprises, with financial support scaling up accordingly [3] Group 2: Financial Support and Innovation - The Agricultural Bank of China Shenzhen Branch has tailored financial products like "Park e-loan" and "Industry Chain Loan" to meet the specific needs of enterprises in various parks [9] - The bank has implemented a proactive service model, conducting regular visits to enterprises to understand their needs and reduce information barriers [10][11] - The "Park Loan 2.0" model emphasizes a shift from standardized products to comprehensive, scenario-based services, enhancing the financial ecosystem for enterprises [9][11] Group 3: Success Stories and Impact - The bank has successfully provided loans to various enterprises, such as a smart kitchen appliance company, which alleviated cash flow issues and accelerated R&D and order fulfillment [8] - Specific case studies highlight the effectiveness of the "Park Loan" model in addressing the financing needs of companies lacking collateral, demonstrating its role in supporting business growth [4][11] - The ongoing efforts to replicate successful service experiences across more parks indicate a commitment to fostering a robust ecosystem for small and micro enterprises in Shenzhen [11]