金乡金融监管支局组建“蒜都金服”团队，书写普惠金融发展新篇章

Core Viewpoint - The development of inclusive finance faces multiple systemic challenges such as information asymmetry, homogenization of financial services, insufficient product adaptation, and high risk management difficulties, necessitating a shift from point solutions to system integration [1] Group 1: Organizational Structure and Team Building - The Jinxiang Financial Regulatory Bureau aims to enhance the organizational structure and gather collective efforts for high-quality development of inclusive finance by establishing the "Garlic Capital Financial Service" team, which includes over 90 members from various departments and financial institutions [2] - The team focuses on improving efficiency through talent selection and training, conducting policy dissemination sessions that have reached over 2,000 individuals [2] Group 2: Ideological Strengthening and Collaboration - The implementation of the inclusive finance action plan integrates financial work into the agenda of various party committees, fostering collaboration among government, finance, and enterprises [3] - Activities such as lectures and discussions have addressed 181 challenges related to enterprise financing, enhancing the understanding of financial policies [3] Group 3: Central-Local Coordination and Service Precision - The bureau emphasizes central-local coordination to address information asymmetry between banks and enterprises, creating simplified policy documents and conducting targeted financial service meetings [4] - Monthly industry-specific meetings have resulted in loan intentions of 1.913 billion and approved loans of 1.377 billion [4] Group 4: Promotion and Outreach Strategies - A dual-channel promotional strategy combining online and offline methods has been established to enhance policy outreach, benefiting over 50,000 individuals through various financial knowledge activities [5] - Financial institutions have been guided to utilize their platforms for regular updates on inclusive finance products and policies [5] Group 5: Service Innovation and Financial Product Development - The bureau is focused on improving product adaptation and service differentiation by leveraging technology and innovative supply mechanisms, resulting in a 17.51% increase in inclusive loans for small and micro enterprises [7] - Financial institutions have adopted IoT technology to enhance risk management and product offerings, providing liquidity support of 2.16 billion to 603 enterprises [7] Group 6: Risk Management and Insurance Support - The bureau has introduced comprehensive insurance products covering the entire garlic industry, providing risk coverage for over 23,000 entities and achieving a payout of 180 million [10] - A risk warning system has been established to monitor and manage potential risks in the inclusive finance sector, ensuring a stable financial service environment [11]