据工行崇左凭祥分行工作人员介绍，"兴农服务流通贷"是该行推出的"兴农e贷"系列特色产品之一，是 为农户、家庭农场、农民专业合作社、涉农小微企业等农业经营主体提供的普惠贷款服务，支持农业种 植、养殖、农产品加工运输等农业细分领域的生产经营性融资需求，具有贷款额度最高可达500万元， 贷款期限最长可达10年，办理方式支持信用、保证、抵押等多种方式，灵活便捷，能满足大部分农户的 普惠金融需求，贷款全流程线上办理或线上线下结合办理。针对邓某这类轻资产外贸企业的特殊需 求，"兴农服务流通贷＂创新采用＂跨境订单+应收账款＂动态质押模式，将企业贸易单据作为增信依 据，通过区块链技术核验单据真实性，无需额外抵押物即可快速放款，有效帮助企业解决融资难题。 近年来，工行崇左凭祥分行立足市区位特色，将普惠金融与跨境贸易深度融合，针对外贸企业融资痛 点，大力发展普惠金融业务，推出一系列门槛低、额度高、期限长、利率优的普惠金融产品，助力各行 各业小微企业高质量发展，以实际行动不断书写"金融为民"新篇章。（蔡东方） 编辑：罗浩 转自：新华财经 广西崇左凭祥市被誉为"中国南大门"，在其绵延300公里的边境线上，分布着200余家跨境贸易企业 ...

转自：新华财经 在风光旖旎的广西崇左市大新县明仕田园景区，一家新成立的文旅小微企业正面临着成长的烦恼。这家 企业扎根景区，主营高品质田园民宿投资运营，致力于为游客打造沉浸式度假体验。开业初期，该企业 资金主要用于基础建设、初步装修，民宿规模有限，接待能力不足，难以匹配景区日益火爆的人气。随 着"近郊游""周末游"持续升温，明仕田园成为热门打卡地，节假日游客激增。面对旺盛的市场需求，该 企业计划于2025年上半年扩建民宿、提升接待能力。此时企业遭遇了资金短缺的瓶颈，自有资金已无法 支撑其品质升级与规模扩张的迫切需求。 工行崇左分行在了解到企业的融资困境后，迅速行动，客户经理深入景区一线，实地考察企业的区位优 势、经营理念、建设进度与发展规划，精准把脉其"扩建急、融资难"的核心痛点，针对其轻资产、缺乏 足值抵押物、资金需求时效性强的特点，充分发挥普惠金融服务优势，为其量身定制了专属综合授信方 案，突破传统抵押限制，针对文旅小微企业轻资产特性，摒弃传统重抵押担保 ，重点考察企业区位优 势、经营潜力、发展前景等非财务指标，将企业区位价值、运营能力等无形资产转化为可量化授信依 据。在产品设计上，采用＂流动资金贷款+绿色 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively implementing national inclusive finance policies to alleviate financing difficulties for enterprises and support the "Yushang Return" initiative [1][2] - As of August 2025, the bank's inclusive loan balance exceeded 4.9 billion yuan, playing a crucial role in promoting stable local economic growth [1] Group 1: Financial Products and Services - The bank has introduced a series of innovative financial products tailored for enterprises in key industrial parks, including the "Purchase and Construction Loan" to support equipment purchases and factory construction [1] - The "Industrial e-Loan" product has been launched to meet the daily operational funding needs of enterprises, allowing for flexible borrowing and repayment [1] - By August 2025, the bank had issued nearly 600 million yuan in inclusive loans to park enterprises, benefiting over 200 small and micro enterprises [1] Group 2: Support for Local Enterprises - The bank is responding to the Yulin municipal government's "Yushang Return" initiative by actively engaging with local enterprises to assess their financing needs and providing tailored financial services [2] - The introduction of the "Huiqi Loan" product system aims to facilitate access to financing for small and micro enterprises, with a loan balance exceeding 60 million yuan as of August 2025 [2] - The bank has established a green channel for loan renewals, enhancing approval efficiency and providing timely financial support to enterprises [2] Group 3: Service Innovation - The bank has expanded its service offerings by launching new products such as "New Generation Business Quick Loan," "Chain Group Transaction e-Loan," and "Cluster Merchant e-Loan" to address diverse financing needs [2] - The combination of online and offline services for loan renewals aims to streamline processes and improve customer experience [2] - The bank's commitment to addressing the challenges of high financing costs and difficulties reflects its responsibility as a state-owned financial institution [2]

Core Viewpoint - The implementation of a large-scale fiscal subsidy policy for personal consumption loans marks a significant step by the central government to stimulate consumer spending and support economic growth [4][10]. Group 1: Policy Implementation - The Ministry of Finance has launched a fiscal subsidy policy for personal consumption loans, providing a 1% annual subsidy for loans used for actual consumption, excluding credit card transactions [4][5]. - The subsidy covers key consumption areas such as household vehicles, education, healthcare, and electronics, with a maximum subsidy amount of 50,000 yuan per transaction [5][10]. Group 2: Participation of Financial Institutions - A total of 18 commercial banks, including major players like Agricultural Bank of China and Industrial and Commercial Bank of China, along with five personal consumption loan institutions, are included in the initial list of designated agencies for the subsidy [5][9]. - Financial technology companies, such as Ant Group and Du Xiaoman, are actively participating in the subsidy program, offering streamlined processes for consumers to access the benefits [6][9]. Group 3: Impact on Consumer Behavior - The subsidy has led to a significant increase in participation, with over 1 million users engaging in Du Xiaoman's promotional activities related to the subsidy [8]. - The policy is expected to enhance consumer spending, with projections indicating that consumption's contribution to GDP will rise to 52% by mid-2025, up from 44.5% in 2024 [10]. Group 4: Technological Advancements in Financial Services - Financial technology companies are leveraging AI to improve risk assessment and enhance the efficiency of financial services, addressing long-standing challenges in the sector [11][13]. - Innovations such as Ant Group's AI credit assessment tools and Du Xiaoman's advanced risk management models are transforming the landscape of inclusive finance [12][14]. Group 5: Broader Economic Implications - The subsidy initiative is part of a broader strategy to stimulate demand and drive economic growth, emphasizing the importance of consumer spending in the national economy [9][18]. - The financial sector's role in facilitating this growth is underscored by the need for funds to effectively flow back into consumption and investment [17][19].

Core Viewpoint - The "Park Loan 2.0" initiative in Shenzhen aims to enhance financial support for over 2.7 million small and micro enterprises, addressing the challenges of cost reduction, coverage expansion, and sustainability in financing [1][4]. Group 1: Overview of "Park Loan 2.0" - "Park Loan 2.0" is a significant upgrade from its predecessor, "Park Loan 1.0," focusing on building a complete financial service ecosystem [2]. - The program involves collaboration among government, industrial parks, banks, and guarantee institutions to provide unsecured credit support to small and micro enterprises [1][4]. Group 2: Features and Mechanisms - Key features of "Park Loan 2.0" include high credit limits, low interest rates, and no collateral requirements, with banks receiving operational data from industrial parks to assess enterprises accurately [1][3]. - The initiative enhances data utilization, risk sharing, and service efficiency, with government guarantee institutions setting special quotas and improving compensation ratios [3]. Group 3: Addressing Financing Challenges - The "Park Loan" model addresses the "impossible triangle" of reducing financing costs, expanding service coverage, and ensuring sustainable development in inclusive finance [4]. - Shenzhen's industrial parks, numbering 4,423, serve as critical hubs for expanding financial services to small and micro enterprises [4]. Group 4: Future Directions - Shenzhen plans to replicate the "Park Loan" model in other sectors such as foreign trade and supply chains, leveraging the natural risk control mechanisms present in industrial parks [4][5]. - The initiative redefines the relationship between industry and finance, transforming park operators into incubators and banks into growth partners [5].

Core Viewpoint - The "Park Loan 2.0" initiative aims to address the financing difficulties faced by small and micro enterprises in Shenzhen through a collaborative mechanism involving government, parks, banks, and guarantees, enhancing the financial ecosystem for these businesses [2][4][6]. Group 1: Financing Challenges - Shenzhen hosts over 2.7 million small and medium-sized enterprises (SMEs), contributing approximately 50% of the city's GDP, highlighting their critical role in economic development [2]. - Traditional financing models have led to significant information asymmetry, making it difficult for small enterprises to meet bank lending criteria due to a lack of sufficient collateral [2]. - The "Park Loan" initiative is a response to the persistent challenges of financing for SMEs, which directly impacts the healthy development of Shenzhen's economy and the practice of inclusive finance [2]. Group 2: Park Loan 2.0 Implementation - The initiative was launched in July 2024, with 11 banks and 10 small and micro enterprise innovation demonstration bases selected for the pilot program, facilitating information exchange and resource integration [2]. - As of now, the pilot banks have granted a cumulative credit amount exceeding 11.5 billion yuan to enterprises within the pilot parks, demonstrating the viability of the "Park Financial" model [2]. Group 3: Bank Participation and Innovations - The Industrial and Commercial Bank of China (ICBC) Shenzhen branch has provided over 13 billion yuan in credit to more than 2,700 enterprises, with 6.6 billion yuan allocated to specialized and innovative high-tech enterprises [3]. - ICBC has developed a comprehensive financial service plan that includes standardized loan products, AI-driven financial advisory services, and a digital financial alliance to enhance service delivery [3][4]. Group 4: Mechanism and Service Enhancements - "Park Loan 2.0" represents a comprehensive upgrade in service philosophy, working mechanisms, and system efficiency, emphasizing a collaborative model that enhances risk-sharing and service coverage [4][5]. - The initiative aims to break down data silos by integrating data from government, parks, and banks, transforming fragmented data into quantifiable financial assets for precise enterprise profiling [5][6]. Group 5: Future Outlook - Shenzhen plans to expand the "Park Loan 2.0" model further, enhancing the precision, efficiency, and quality of financial services for small and micro enterprises, thereby fostering high-quality economic development [7].

Core Viewpoint - Xiamen Financing Guarantee Co., Ltd. has significantly enhanced its financial services over 25 years, focusing on supporting small and micro enterprises and contributing to local economic development [4][5]. Group 1: Financial Growth and Achievements - The registered capital of Xiamen Financing Guarantee increased from 100 million to 950 million, an 8.5-fold growth [4]. - Total assets rose from 100 million to 4.2 billion, a 41-fold increase [4]. - The scale of guarantees expanded from 70 million to 35.9 billion, a 512-fold increase [4]. - The company has provided over 200 billion in financial services to more than 30,000 small and micro enterprises [5]. Group 2: Support for Technology and Innovation - Since establishing the first state-owned professional technology guarantee company in Fujian in 2013, Xiamen Financing Guarantee has provided nearly 10 billion in technology guarantee services to over 1,000 technology enterprises [7]. - The company has launched various financing support policies for technology enterprises, including "Intellectual Property Pledge Financing Guarantee" and "Torch Tax Easy Loan" [7]. - A talent fund was established to support high-level talent entrepreneurship projects in key technology sectors, with over 250 million invested [8]. Group 3: Agricultural Support and Rural Revitalization - Xiamen Financing Guarantee established the first state-owned agricultural guarantee institution in Fujian in 2016, providing nearly 1.5 billion in agricultural guarantee services [10]. - The company has introduced innovative agricultural credit guarantee products, such as "Carrot Loan" and "Greenhouse Special Guarantee" [10]. - The agricultural credit guarantee fund has provided over 280 million in financing support at a low fee rate of 0.5% [10]. Group 4: Collaborative Financial Ecosystem - Xiamen Financing Guarantee has developed a dual-driven model combining government guarantees and financial tools to effectively channel financial resources to the real economy [5][14]. - The company has established a comprehensive policy financing guarantee system, enhancing collaboration among government, banks, and guarantee institutions [12][14]. - The credit turnover fund has provided over 64 billion in turnover funds to nearly 1,500 enterprises, alleviating financial pressure during loan renewals [15]. Group 5: Recognition and Awards - Xiamen Financing Guarantee has received multiple accolades, including the highest rating of AAA for credit market entities and recognition as a national model for growth in guarantee institutions [5][16]. - The company’s innovative practices have been recognized as exemplary cases for assisting small and micro enterprises, providing valuable experiences for other regions [16].

Core Insights - The article highlights the role of Ping An Rongyi in providing financial services to small and micro enterprises, particularly in the agricultural sector, through innovative technology solutions [1][5][8] Group 1: Financial Technology and Innovation - Ping An Rongyi's case study showcased at the CCTV Finance event emphasizes the use of AI and big data to address financing challenges for cattle farmers in Shandong [1][4] - The implementation of an AI-driven risk control model allows for quick loan approvals, exemplified by a farmer receiving a loan of 200,000 yuan with minimal documentation [4][5] Group 2: Support for Agricultural Development - The financial services provided by Ping An Rongyi are designed to alleviate the financing difficulties faced by farmers, particularly during market downturns [2][5] - The "Three Rural Protection Plan" aims to deliver efficient and sufficient financial services to farmers, including a dedicated "green channel" for agricultural loans [5][7] Group 3: On-the-Ground Engagement - Ping An Rongyi's nationwide outreach includes direct engagement with farmers to understand their needs and assist with loan applications, enhancing the relevance of their financial products [7][8] - The company has established a comprehensive support system for agricultural products, focusing on marketing and product upgrades to boost sales channels for farmers [7][8] Group 4: Impact and Future Directions - As of June 2025, Ping An Rongyi has supported over 480,000 agricultural small and micro enterprises with more than 60 billion yuan in funding, demonstrating the effectiveness of fintech in promoting inclusive finance [8] - The company plans to continue its grassroots approach, emphasizing a service philosophy that is convenient, efficient, and cost-effective for a broader range of small and micro enterprises [8]

Core Viewpoint - The revised notification emphasizes the enhancement of lead underwriters' resource allocation towards technology finance and inclusive finance, aiming to empower technological innovation and the private economy [1][3]. Group 1: Main Enhancements - The notification outlines a framework for lead underwriters that includes core functions and a comprehensive service capability across the entire business chain, promoting market transformation [1][3]. - The evaluation mechanism for lead underwriters has been optimized to support high-quality development of technology and private enterprises, aligning with national financial policies [3]. Group 2: Evaluation Mechanism - The evaluation results for lead underwriters will be categorized into qualified and unqualified tiers, with qualified tiers further divided into A, B, C, and D grades based on performance metrics [5]. - Specific criteria for classification include business capability, compliance, and other factors deemed necessary by the trading association [5]. Group 3: Differentiated Development - The trading association will showcase six categories of specialized lead underwriters, including those focused on inclusive finance, technology innovation, green bonds, structured products, panda bonds, and derivatives [6]. - The association aims to continue implementing national policies for bond market development while optimizing the market-based evaluation mechanism for underwriting institutions [6].

中证报中证网讯（王珞）2025年9月30日，江苏常熟农村商业银行股份有限公司（股票代码：601128） 迎来登陆资本市场九周年的重要里程碑。九载春秋，常熟银行（601128）从一家地方农信社起步， 以"一张小微蓝图绘到底"的战略定力，成长为资产规模超4000亿元、服务网络覆盖六省千镇万村的农村 金融领军者，在普惠金融赛道上书写了独具特色的"常银答卷"。 上市九年来，常熟银行将其成长的核心逻辑浓缩为"坚持、传承、创新"三把钥匙，三者相互支撑、协同 发力，推动银行在"支农支小"的特色道路上持续稳健前行。 第一把钥匙是坚持。自成立以来，常熟银行始终将服务"三农"、小微企业作为核心战略。2009年，该行 引入德国IPC微贷技术，聚焦小微企业与农户的"短、小、频、急"资金需求，通过专业化、标准化的微 贷模式，破解小微金融"风险高、成本高、效率低"的行业难题。 上市以来，银行总资产规模实现大幅度跃升，截至2025年6月末，总资产从上市初的1224亿元增至4012 亿元，总存款突破3100亿元，总贷款突破2500亿元；银行经营效益长期保持稳健，2025年上半年营收 60.62亿元、净利润19.69亿元，连续16个季度保持双 ...