广发银行：“一链一策”精准滴灌，打造普惠金融新范式

Core Insights - Guangfa Bank has successfully implemented smart credit assessment and rapid loan disbursement, exemplified by a case where a 500,000 yuan credit application was completed in under 5 minutes, showcasing its commitment to inclusive finance for small and micro enterprises [1] - As of September 2025, Guangfa Bank's inclusive loans for small and micro enterprises reached 207.623 billion yuan, with an increase of 11.528 billion yuan since the beginning of the year, outpacing the growth rate of all loans [1] Group 1: Product Innovation and Service Model - Guangfa Bank is building an Inclusive Finance 2.0 model by leveraging its flexible and responsive nature as a national joint-stock bank, focusing on innovative products and optimized service models to support small and micro enterprises [2] - The bank has developed a matrix of inclusive financial products, including "Science and Technology Loan," "Talent Loan," "Rural Revitalization Loan," and "Easy Loan," to meet the diverse needs of small and micro enterprises [2] - The "Mall E-Loan" product has provided credit support to over 500 small and micro enterprises, with total loans exceeding 300 million yuan, effectively addressing financing challenges for market operators [2] Group 2: Comprehensive Financial Support - Guangfa Bank has created a "Credit+" service model that offers a diverse range of financial services, including convenient settlement, professional financial consulting, and effective foreign exchange risk hedging, to support small and micro enterprises throughout their entire business lifecycle [3] Group 3: Supply Chain Finance - Guangfa Bank is deeply engaged in supply chain finance, which is viewed as a solution with significant industry depth and commercial wisdom, utilizing a "one chain, one policy" approach [4] - The "Hui Lian Tong (Southern Grid)" supply chain financial product provides financing services to upstream small and micro enterprises based on data from Southern Power Grid, employing big data and optimized risk control models for precise customer profiling [4] - Since its launch, the "Hui Lian Tong (Southern Grid)" product has seen significant results, with 68 formal credit applications and a total credit limit of 11.7 million yuan, with disbursed amounts reaching 6.344 million yuan [4] Group 4: Future Directions - Guangfa Bank aims to continue efficiently identifying the financing needs of small and micro enterprises, providing more precise products, efficient mechanisms, and warm services to help these businesses overcome challenges and stimulate high-quality development [5]