四方食事，菜市场里藏着人间烟火。走进首都"菜篮子"北京新发地市场，各色新鲜果蔬错落摆放，往来人群熙熙 攘攘，浓郁的生活气息扑面而来。商户们忙着补货上架、热情地向顾客介绍商品、熟练地收款；前来采购的市 民满载而归，脸上洋溢着幸福的笑容。 工行北京分行工作人员在"千企万户大走访"期间走进新发地，调研商户金融需求。王贺摄 这购销两旺的繁荣景象，一头连着商户们的辛勤经营，另一头连着中国工商银行北京市分行（以下简称"工行北 京分行"）的金融服务。来自全国各地的水果蔬菜、肉禽海鲜等名优特新产品汇聚于此，让市民得以品尝新鲜、 享受实惠。与此同时，源源不断的金融活水，让这座"老牌"农贸市场里的小微涉农业主，真切感受到了温暖与幸 福。 工行北京分行工作人员走进种植基地，了解小麦生长情况。于路摄 助力创业立业 小商户连接大消费 "我们做小本买卖，最怕的就是资金周转不过来。小店里里外外都是我一个人忙活，金融方面的事情我是真不 懂，也没时间研究。幸好有工行的工作人员忙前忙后帮我办理。"说起与工行合作的点点滴滴，小微涉农业主刘 先生言语间满是感激，他的第一个对公账户和第一笔贷款都是工行工作人员上门办理的，为他节省了很多时 间，没有因此 ...

Group 1 - The core viewpoint emphasizes the efforts of the Weifang Financial Regulatory Bureau to address the financing difficulties faced by enterprises and the lending challenges faced by banks through a series of innovative financial policies and actions [1][2] Group 2 - The initiative aims to increase the supply of financial elements, with a target of achieving a small and micro enterprise loan balance of 565.644 billion yuan and agricultural loans of 524.29 billion yuan by May 2025, accounting for nearly 50% of the total loans in Weifang [1] - The program also focuses on reducing financing costs, with a goal to lower the average interest rate of inclusive small and micro enterprise loans to 4.11% by May 2025, saving enterprises 15.2 million yuan in financial expenses [1] Group 3 - Efforts to enhance financing efficiency include the establishment of a coordination mechanism for small and micro enterprise financing, which has led to a total credit issuance of 84.954 billion yuan and loan disbursement of 68.4 billion yuan, ranking among the top in the province [2] - The initiative aims to reduce the concerns of credit personnel by implementing a differentiated non-performing loan tolerance target and establishing a long-term mechanism to encourage lending [2]

Group 1: Financial Services Development - The provincial agricultural credit union is leading the development of financial services in Shandong, focusing on high-quality growth and innovation in credit products [6] - The bank is actively promoting five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [6] Group 2: Technology Finance - The bank has provided comprehensive financial services to technology enterprises, exemplified by a loan of 9.8 million yuan to a high-tech company for intellectual property pledge [7] - As of May, the balance of loans to technology enterprises reached 139.6 billion yuan, an increase of 25.7 billion yuan or 22.56% from the beginning of the year [8] Group 3: Green Finance - The bank has developed over ten specialized credit products for green industries, including "green industry loans" and "carbon emission rights pledge loans" [9] - By the end of May, the balance of green loans reached 81.72 billion yuan, with 65,400 green loan accounts [10] Group 4: Inclusive Finance - The bank has established 340 inclusive financial service points, facilitating financial services in rural areas and supporting small and micro enterprises [11][12] - The balance of loans to small and micro enterprises reached 11,205.6 billion yuan, with an increase of 577.7 billion yuan since the beginning of the year [13] Group 5: Pension Finance - The bank has launched various services to meet the financial needs of the elderly, including home visits and personalized assistance [14] - As of May, the balance of loans in the pension sector reached 17.93 billion yuan, an increase of 960 million yuan from the beginning of the year [15] Group 6: Digital Finance - The bank has developed a comprehensive rural revitalization service platform utilizing internet and big data technologies, facilitating online loans of 35.1 billion yuan [16][17] - By the end of May, the bank had launched ten online products with a loan balance of 128.03 billion yuan [17]

Core Viewpoint - The "Huinongtong" product, recognized as a model of "good financial products" in digital finance, enhances agricultural product transaction efficiency and supports rural revitalization in Shandong Province [1][5]. Group 1: Industry Pain Points - Shandong, as a major agricultural province, faces challenges such as low settlement efficiency and lack of specialized tools, leading to frequent disputes over "white slips" and delayed payments [2]. - The traditional manual accounting methods contribute to high operational costs and risks associated with cash transactions, including counterfeit currency [2]. Group 2: Innovative Service Model - "Huinongtong" integrates payment, management, and financing services through a mobile banking platform, allowing farmers to generate unique payment codes and enabling merchants to make bulk payments easily [3]. - The service enhances accessibility to inclusive finance and shifts the focus of rural banks from manual assistance to digital empowerment, transforming the financial service model [3]. Group 3: Government-Bank Collaboration - "Huinongtong" exemplifies the implementation of Shandong's digital agriculture action plan, promoting green finance and reducing carbon emissions through electronic payments and digital transactions [4]. - The platform utilizes big data to improve credit assessment for agricultural loans, enhancing approval efficiency and risk management [4]. Group 4: Current Impact and Future Plans - The platform has reached 1.4 million users, facilitating 480,000 transactions worth 2.8 billion yuan, significantly reducing costs and settlement times for both buyers and sellers [5]. - Future enhancements will include additional service features and stronger financial technology applications to further support rural revitalization and high-quality agricultural development in Shandong [4][5].

近日，2025"好品金融"典型案例和产品名单公布，省新动能基金公司权属企业山东省新动能普惠金融服 务有限公司报送的"红色引擎 转贷惠企"党建金融文化品牌，成功入围"2025好品金融——金融文化品牌 建设创新实践案例"名单。 近年来，动能普惠公司聚焦普惠金融领域，发挥省转贷基金"十、百、万、万"四重效应，着力引导省转 贷体系成员支持民营中小微企业，助力全省民营中小企业缓解融资难、融资贵问题。动能普惠公司联合 省转贷体系备案机构15家党支部、22家合作银行党支部建立"党建共同体"，持续强化党建与业务互融互 促，引导体系党员干部发挥好"头雁领航"功能，以高质量党建引领业务高质量发展。通过一系列举措， 推动"金融活水"更好地惠及全省中小微企业，截至2025年5月底，省应急转贷基金规模为10亿元，全省 备案机构达210家、签约驻鲁银行达183家，累计为全省7万余家中小企业提供应急转贷资金超1.7万亿 元，降低企业转贷成本700余亿元。 动能普惠公司创建的"红色引擎 转贷惠企"品牌是推动党建与业务深度融合的生动实践，其核心在于强 化党建引领，并将其转化为驱动普惠金融服务高质量发展的强劲动力。品牌聚焦中小企业融资难、融资 ...

Core Viewpoint - The introduction of "Agricultural Product Warehouse Receipt Pledge Loan" by Hengfeng Bank addresses the financing difficulties faced by agricultural product storage, enhancing access to credit for farmers and related businesses [1][2] Group 1: Agricultural Product Warehouse Receipt Pledge Loan - The product allows individuals or enterprises engaged in the cultivation, storage, production, processing, and trading of geographical indication agricultural products to obtain loans by pledging physical warehouse receipts [1] - Borrowers must be at least 18 years old and not exceed 70 years old at loan maturity, with a maximum financing limit of 10 million yuan and a loan term of up to 3 years [1] Group 2: Innovation and Technology in Financing - The loan process is expedited, taking only three minutes for the main procedure, significantly improving financing speed [2] - Real-time management of goods is facilitated through sensors and smart AR cameras linked to a monitoring and early warning center [2] - The use of blockchain technology ensures the authenticity and traceability of goods, providing clear ownership rights [2] - High safety of loans is achieved through comprehensive data analysis from various sectors, ensuring precise allocation of financial resources [2] Group 3: Expansion and Future Plans - The product has been successfully implemented in multiple regions within the province, covering various local agricultural products such as garlic, chili, and apples, and has expanded to include specialty products like medicinal herbs from Yunnan [2] - Hengfeng Bank aims to continue innovating inclusive financial products to support rural revitalization in line with central economic work conference directives [2]

Core Insights - The integration of finance and the real economy in the bearing industry is exemplified by Qilu Bank's innovative financial product "Bearing Village Loan," which has been recognized as a typical case of financial support reaching grassroots levels [1][9]. Group 1: Industry Overview - Yantian Town, known as the "Bearing Capital of China," hosts over 5,400 bearing-related enterprises and more than 6,600 individual businesses, employing over 70,000 people and generating an annual transaction volume exceeding 20 billion yuan, accounting for over 10% of the national bearing transaction total [1]. - The majority of enterprises in Yantian Town are small and micro businesses that face challenges in accessing timely financing for equipment upgrades and working capital [2][3]. Group 2: Financial Challenges - Many small enterprises struggle with financing, as traditional loan approval processes are slow, leading to missed opportunities in fluctuating markets, such as steel price changes [2][3]. - The need for rapid loan access is critical due to the close relationship between production cycles and raw material price fluctuations, with high-end equipment requiring investments in the millions that traditional small loans cannot meet [3]. Group 3: Financial Solutions - Qilu Bank has implemented a tailored financial strategy for the bearing industry, introducing the "Bearing Village Loan" to address financing difficulties for small and micro enterprises and facilitate their transition to high-end manufacturing [4][9]. - The bank's "Three Special, Three Fast" service model offers loan amounts up to 3 million yuan, rapid approval processes within three working days, and targeted services for the bearing industry supply chain [5]. Group 4: Innovative Service Models - Qilu Bank has established a "Bearing Financial Service Team" that combines on-the-ground visits and big data analysis to create dynamic credit profiles for hundreds of enterprises, streamlining the loan approval process [6]. - The "First Loan Cultivation Action" targets new enterprises, allowing them to secure initial loans with minimal documentation through an online pre-approval system [7]. Group 5: Impact and Outcomes - The "Bearing Village Loan" has successfully disbursed 712 million yuan to support 642 enterprises, enhancing R&D investments and increasing the proportion of high-end products in the market [9]. - The financial support has enabled companies like Pinwei Bearing to expand from small workshops to modern factories, significantly improving production precision and reducing costs, thereby facilitating access to high-end markets [9][10]. - The initiative has also contributed to local employment, with over 40,000 jobs created, and has fostered a positive cycle of financial support revitalizing the local economy and promoting the upgrade of family workshops to standardized production facilities [10].

这一年的 4月到9月，温州先后有29家企业老板断联，最先跑路的江南皮革厂还被魔改成了初代网络神曲 《浙江温州江南皮革厂倒闭了》。能在脑海里响起这首歌的读者，大概也都到品尝过创业滋味的年纪 了。 民营老板们成为那时口诛笔伐的对象，企业经营也背上无形的道德枷锁。核心矛盾却没解决，反而更加 严峻，那就是庞大的民间借贷问题。 对于温州老板们而言，民间借贷曾是救命稻草，他们大多出身草根，从小本生意做起，苦于金融体系的 信贷闸门，只对拥有合格抵押物和优秀还贷能力的大企业开启。当2008年金融危机和2010年欧债危机相 继吞噬着小厂房的订单与现金流时，他们不得不依靠高昂的民间借贷来周转资金、盘活生意。 中国人民银行温州中心支行发布的数据显示，2011年7月温州民间借贷市场的综合利率高达24.4%，不仅 远高于银行利率，更是比很多产业自身的利润率还要高。号称"眼镜大王"的信泰集团董事长胡福林跑路 美国前负债20亿元，其中12亿元为民间高利贷，光月息就高达2000多万元[2]。 研究"温州模式"的权威之一周德文，也为小企业主们的困境奔走疾呼：温州危机实为信用危机。 实际上，这样的故事当时并不仅仅发生在温州，只是这座民营经济之城 ...

齐鲁晚报·齐鲁壹点 胡晓娟 晨曦微露，城市随市集的喧腾渐次苏醒。淄博临淄区快餐店苑老板，却在蒸腾的烟火气里眉头紧锁——口碑日盛，食客盈门，有限的店面却困住了蓬勃的生 意。一笔用于扩张店面的贷款成了苑老板的渴盼。与此同时，在临沂经营手工艺品的王老板，面对日益增长的订单，却因前期投入耗尽资金，无法采购急需 的原材料。资金，这道无形的门槛，将无数个体工商户的梦想与现实生生隔开。而这正是中国银行山东省分行（以下简称"山东中行"）普惠金融产品 ——"市场业户贷"破土而生的深层土壤。在2025"好品金融"活动中，该产品成功获评"普惠金融典型产品"名单。 品友布仪式 F 专属金融产 LIN 饰场监督管理局 中共山东省委会融委员会办公室 中国人民银行山东省分行 个体私营企业协会 济南市市场监督管理局 行山东省分行 III 群 作者 下载 发布 时 分 发 分 时 2025年4月 10 ▲2025年4月，在山东中行承办的山东省个体工商户分型分类结果及专属金融产品发布仪式上，个体工商户代表现场签订预授信贷款协议。 作为国有大行，山东中行深植"金融报国、金融为民"的初心，精准对接国家扶持个体工商户的战略部署，将目光投向"名特优新" ...

Group 1 - The core viewpoint of the news is that Dongguan Industrial and Commercial Bank (ICBC) is enhancing its financial services by developing a "ICBC Station+" service ecosystem, focusing on tailored services for the elderly and promoting inclusive finance [1][2] Group 2 - Dongguan ICBC has established 17 specialized financial service outlets for the elderly, providing various age-friendly services such as blood pressure monitors, first aid kits, and wheelchairs [1] - The bank has set up dedicated service windows for elderly customers to reduce waiting times and offers large print promotional materials for financial products, along with financial literacy lectures and anti-fraud campaigns [1] - The bank plans to further develop more elderly financial service outlets and enhance the quality and professionalism of its services [1] Group 3 - In promoting the "Station + Inclusive" service model, Dongguan ICBC has formed specialized teams to conduct financial outreach activities, targeting agricultural and cultural tourism enterprises with customized financial service solutions [2] - The bank is also implementing the "ICBC Station + Caring for Exam Candidates" initiative, showcasing its commitment to community support [2] - Dongguan ICBC aims to strengthen the functionality of its service scenarios and continuously improve the breadth and depth of its services, providing comprehensive and warm financial services to customers [2]