Qi Lu Wan Bao·2025-12-26 10:24Core Viewpoint - The China Industrial and Commercial Bank (ICBC) Laiwu Branch has been recognized for its outstanding performance in the evaluation of small and micro enterprise credit policy guidance for the third quarter of 2025, receiving the highest rating of "Excellent" from regulatory authorities, reflecting its commitment to supporting the real economy and promoting inclusive finance [1][3]. Group 1: Mechanism and Policy Implementation - The Laiwu Branch has established a long-term mechanism to encourage lending, ensuring a robust support system for small and micro enterprises through policy and incentive improvements [1]. - The branch has focused on enhancing the scale of inclusive finance and directing resources effectively towards the small and micro enterprise sector [1]. Group 2: Product Supply and Service Quality - The Laiwu Branch has adopted a development strategy centered on "increasing volume, expanding coverage, improving quality, and enhancing efficiency," utilizing key online products such as "New Generation Business Quick Loan," "Online Loan," and "Digital Supply Chain" to meet the financing needs of small and micro enterprises [2]. - Continuous optimization of business processes has significantly improved the efficiency of loan approvals, making financing more accessible for small micro clients [2]. Group 3: Service Network and Marketing Collaboration - The branch has upgraded its inclusive finance service channels and strengthened the collaboration between branches, sub-branches, and outlets to create a cohesive marketing effort [2]. - A dedicated team of inclusive finance specialists has been established to foster a strong culture of inclusive finance throughout the organization [2]. Group 4: Cost Reduction and Financial Benefits - The Laiwu Branch adheres to regulatory guidelines on service fees, emphasizing compliance, quality pricing, transparency, and cost reduction to lower the financing costs for small and micro enterprises [2]. - The branch actively reduces costs and enhances efficiency, benefiting the real economy and allowing enterprises to operate with less financial burden [2]. Group 5: Future Directions - The Laiwu Branch aims to continue its customer-centric approach, implementing the latest inclusive finance policies and enhancing service quality to support the growth of small and micro enterprises and contribute to the high-quality development of the local economy [3].