截至2025年三季度末，中国银行山东省分行（以下简称"山东中行"）民营企业贷款余额突破2000亿元大 关。 转自：新华财经 多年来，山东中行始终牢记金融工作的政治性和人民性，将服务民营企业作为全行战略的核心支柱，不 断加大信贷资源倾斜，持续优化授信政策，同时开辟绿色通道，确保金融"活水"能够精准、顺畅地浇灌 民营经济的"万亩良田"。山东中行强化机制保障，凝聚共识、统筹资源，精准支持民营企业发展，先后 制定支持民营经济的专属工作方案和措施，明确目标、优化路径，提高民营企业融资业务考核权重，优 先保障民营企业信贷需求，持续提高民营企业服务质效；制定提升信贷获得便捷性实施方案，在授信发 起和审批时一视同仁对待各种所有制企业，畅通绿色审批通道，强化重点领域服务，引导辖内机构加大 民营企业贷款投放力度。 山东中行充分发挥外汇外贸专业优势，做好民营企业"走出去"的金融桥梁，定制海内外联动服务方案， 助力民营企业汇率避险；组织企业广泛参加进博会、广交会等盛会，助力企业全球订购、出海拓市场； 连续多年受邀参加"港澳山东周"，亮相"新加坡山东周"，全力提供金融保障，持续推动跨境撮合，助推 众多民营外贸企业融入全球资金链、价值链 ...

Core Viewpoint - The "Member Enterprise Exclusive Loan" launched by the Luohu District Federation of Industry and Commerce aims to provide over 1 billion yuan in financing to member enterprises, addressing their financing challenges effectively [2][3]. Group 1: Financial Product Details - The "Member Enterprise Exclusive Loan" is a new financial product introduced in collaboration with Shanghai Bank and Shenzhen High-tech Investment Group, targeting over 400 member enterprises [2]. - Compared to other market financial products, this loan offers lower interest rates, longer loan terms, and higher loan amounts [2]. - The "Xinyi Loan" product allows individual enterprises to borrow up to 10 million yuan, with a minimum interest rate of 2.5%, making it one of the most advantageous products in the market [2]. Group 2: Benefits and Features - Member enterprises are placed on a whitelist, receiving a green approval channel, simplified procedures, and one-on-one service, with some loans disbursed in as little as one day [2]. - Participating enterprises expressed that the product is practical, with low interest rates, high limits, fast approvals, and flexible repayment methods, tailored to meet their specific financing needs [3]. Group 3: Future Plans - The Luohu District Federation of Industry and Commerce plans to expand the exclusive loan program to more private enterprises and enhance financial products and services based on enterprise needs [3].

Core Viewpoint - The implementation plan aims to enhance inclusive finance in China by optimizing the service system, strengthening credit support for small and micro enterprises, and improving the insurance framework to meet diverse financial needs of the public and the real economy [2][3]. Group 1: Inclusive Credit System - The plan encourages banks to maintain effective incremental credit supply to small and micro enterprises and to strengthen credit support for private enterprises [2][3]. - It emphasizes the importance of optimizing credit approval models, reducing reliance on collateral, and enhancing the use of data for small and micro enterprises to improve approval efficiency [3]. - The plan also highlights the need for banks to monitor the flow of loan funds to ensure they are used to support private enterprises and the real economy [3]. Group 2: Inclusive Insurance System - The plan calls for insurance companies to establish a specialized management system for inclusive insurance, including the creation of dedicated departments to oversee inclusive insurance initiatives [6]. - It aims to diversify the supply of inclusive insurance products, particularly in agriculture and for small and micro enterprises, by developing tailored insurance offerings [6]. - The plan encourages insurance companies to simplify underwriting processes and improve claims processing times to enhance service quality for underserved groups [6][7].