交通银行广东省分行：深耕金融“五篇大文章” 擘画“十五五”新图景

Core Insights - The Guangdong branch of Bank of Communications is committed to supporting the high-quality development of the Guangdong-Hong Kong-Macao Greater Bay Area through innovative financial services and green transformation initiatives [1][2][3]. Financial Services and Innovation - The bank has established a service structure that includes "centers + special teams + technology-focused branches" to enhance support for technology innovation [2]. - A new evaluation model for technology enterprises has been developed, allowing for better identification of innovation capabilities and financing needs, thus expanding financing opportunities for tech companies [2][3]. - The bank's technology enterprise loans increased by 12.8% year-on-year as of November 2025, maintaining a double-digit growth rate over the past three years [3]. Green Finance Initiatives - The bank has launched innovative financial products like "Lychee Loan" to support the agricultural sector, demonstrating its commitment to green finance [4][5]. - A dedicated green finance center has been established, and the bank has initiated several pioneering green financing projects, including loans for the ceramic industry and carbon credit financing [4]. - Green loans increased by approximately 18% year-to-date as of November, contributing to ecological and marine development in Guangdong [5]. Inclusive Finance - The bank has implemented initiatives to enhance financial accessibility, including the "Thousand Enterprises and Ten Thousand Households" outreach program, promoting various loan products tailored for small and micro enterprises [6][7]. - The average annual growth rate of inclusive loans has exceeded 30% over the past three years, providing substantial support to small businesses [7]. Elderly Care and Social Services - The bank has developed "elder-friendly" branches and partnered with social security services to enhance financial accessibility for the elderly [9]. - It has established 50 elder-friendly branches and introduced various financial products aimed at supporting the elderly population [9]. Digital Transformation - The bank has integrated digital services into its operations, deploying over a thousand "Yue Zhi Zhu" government service machines in rural areas to enhance financial service accessibility [10]. - The bank has also collaborated with local electric vehicle manufacturers to create an integrated credit service project, facilitating over 1.4 billion yuan in loans for green transportation [11]. - The application of digital currency is expanding, enhancing consumer experiences in various sectors [11].