2025年广东银行业普惠金融创新实践优秀案例公布 南都发布普惠金融深调研报告

Core Viewpoint - The "China Inclusive Finance Tour" conference in Guangdong highlighted the new trends in inclusive finance 2.0, emphasizing the need for innovative practices and collaboration in the sector [6][7]. Group 1: Policy and Development - The "14th Five-Year Plan" emphasizes the development of inclusive finance, with recent central economic work meetings focusing on financial support for expanding domestic demand, technological innovation, and small and micro enterprises [6]. - The People's Bank of China (PBOC) Guangdong Branch has been actively implementing policies to enhance the financial service environment for small and micro enterprises, rural areas, and private economies, aiming to improve service coverage and satisfaction [8][9]. Group 2: Financial Performance - As of October 2025, the balance of inclusive loans in Guangdong reached 4.9 trillion yuan, accounting for 16.4% of total loans, with a year-on-year growth of 7.9%, surpassing the overall loan growth rate by 2.3 percentage points [9]. - The PBOC Guangdong Branch plans to continue implementing a moderately loose monetary policy and enhance the effectiveness of structural monetary policy tools to improve the level of inclusive financial services [9]. Group 3: Research and Reports - The "China Inclusive Finance Tour Innovation Deep Research Report (2025)" was released, indicating that by the end of Q3 2025, the balance of inclusive loans for small and micro enterprises reached 36.5 trillion yuan, and inclusive agricultural loans reached 14.1 trillion yuan, both showing significant growth [11]. - The report highlights that Guangdong, Zhejiang, and Jiangsu are leading in inclusive finance development, with Guangdong excelling in various metrics such as the balance of inclusive small micro loans and the number of credit accounts [11]. Group 4: Innovative Practices - The report identifies innovative models in inclusive finance, such as state-owned banks leveraging digital products and intelligent credit systems to support small micro enterprises and rural revitalization [12]. - Regional banks are exploring unique paths in inclusive finance by customizing products and collaborating with local governments to address financing challenges for small enterprises and agricultural entities [13][15]. Group 5: Roundtable Discussions - The roundtable discussion focused on the new trends in inclusive finance 2.0, emphasizing the need for comprehensive service offerings, digital upgrades, and collaborative mechanisms to enhance the effectiveness of financial services [14]. - The discussion also highlighted the importance of addressing the "last mile" issue in inclusive finance and the need for sustainable business models [12][14]. Group 6: Case Studies and Innovations - Various institutions shared their innovative practices, such as the "Smart Inclusive" ecosystem developed by Shanghai Pudong Development Bank, which utilizes data to enhance credit approval processes [18]. - Dongguan Rural Commercial Bank introduced a unique loan model linked to industrial wastewater management, showcasing a market-driven approach to environmental financing [19].