“金融活水”滴灌县域产业 广东南粤银行“百千万工程”全链条实录

Core Insights - Guangdong Nanyue Bank is actively supporting the "Hundred Million Thousand Project" and rural revitalization through innovative financial services, achieving a loan balance of 46.483 billion yuan by September 2025, a 27.3% increase from the beginning of the year [1][10] - The bank has established a comprehensive financial service system for county economies, addressing financing difficulties and infrastructure funding gaps in rural areas [2][3] Financial Performance - As of September 2025, the bank's loans related to the "Hundred Million Thousand Project" reached 46.483 billion yuan, with a 27.3% year-on-year growth [1][10] - The balance of agricultural loans increased by 15% year-to-date, with inclusive agricultural loans amounting to 1.714 billion yuan, benefiting over 1,000 small and micro agricultural entities [10] Strategic Initiatives - The bank has implemented a "one county, one policy" strategy to tailor financial services to local industries and key projects, creating replicable service models [4] - A three-tiered collaborative mechanism has been established, involving the head office, local branches, and all staff to enhance the efficiency of financial services [3] Innovative Financial Solutions - The bank has introduced a "one party alliance + N financial services" model, facilitating quick loan approvals, such as a 2 billion yuan credit approval completed in just five working days [5][6] - Innovative financing solutions include a circular economy loan project linked to ESG criteria, with a loan of 50 million yuan for a company focusing on a full-cycle economic model [6][7] Rural Revitalization Focus - The bank is committed to supporting rural revitalization by extending financial services across the agricultural production, circulation, and processing sectors [7][8] - Specific initiatives include customized loans for local agricultural enterprises, such as a 10 million yuan loan for a fish farming company that increased production capacity by 40% [8][9] Collaboration with Local Governments - The bank has signed strategic cooperation agreements with multiple local governments to enhance the collaborative ecosystem of "government + bank + enterprise" [3] - Efforts to streamline credit approval processes and enhance service efficiency have been made to better serve rural areas [3][5]