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增强服务多样性、普惠性、可及性
Ren Min Ri Bao· 2025-10-30 22:37
Core Viewpoint - The 2025 China Brand Forum's financial high-quality development report emphasizes the importance of inclusive finance and the enhancement of financial services to support the real economy, showcasing successful practices in the financial sector to promote high-quality development and build a strong financial nation [1][5]. Group 1: Financial Support for Technology and Small Enterprises - Financial institutions are increasing resource allocation to enhance service diversity, inclusiveness, and accessibility, particularly for technology-driven small and medium-sized enterprises (SMEs) [1]. - By the end of Q3, the loan balance for technology-based SMEs reached 3.56 trillion yuan, marking a year-on-year growth of 22.3% [1]. - The China Postal Savings Bank serves over 100,000 technology enterprises, with technology loans accounting for over one-third of its inclusive loans [2]. Group 2: Support for Agriculture and Rural Areas - The Agricultural Development Bank of China has provided over 9 trillion yuan in grain and oil purchase loans, supporting the acquisition of over 10 trillion jin of grain and oil [2]. - The Agricultural Bank of China reported a county loan balance exceeding 10 trillion yuan and an inclusive small and micro enterprise loan balance of 3.89 trillion yuan by the end of Q3 [2]. Group 3: Digital Transformation in Financial Services - The report highlights the role of technology and digital finance as key drivers for high-quality development in inclusive finance [3]. - The China Bank integrates digital capabilities into its inclusive finance services, launching online product systems to assist SMEs [3]. - The China Construction Bank enhances financial service precision for technology SMEs through data-driven approaches [4]. Group 4: Future Outlook and Policy Directions - The report anticipates continued innovation in inclusive finance driven by policies, market dynamics, and technological advancements, aiming for a more inclusive, green, and sustainable financial service system [4]. - The focus on high-quality development in finance is seen as essential for supporting economic and social development, contributing to national modernization and rejuvenation efforts [5].
增强服务多样性、普惠性、可及性 ——二〇二五中国品牌论坛金融高质量发展报告会侧记
Ren Min Ri Bao· 2025-10-30 22:31
Core Viewpoint - The forum emphasizes the importance of high-quality development in the financial sector, focusing on inclusive finance and enhancing the service quality of financial institutions to support the real economy [1][5]. Group 1: Financial Support for Technology and Small Enterprises - Financial institutions are increasing support for technology-driven small and medium-sized enterprises (SMEs), with a reported loan balance of 3.56 trillion yuan, reflecting a year-on-year growth of 22.3% [1]. - Postal Savings Bank serves over 100,000 technology enterprises, with over one-third of its inclusive loans directed towards these companies [2]. - Agricultural Development Bank has provided over 9 trillion yuan in grain and oil purchase loans, supporting the national food security strategy [2]. Group 2: Digital Transformation in Financial Services - The integration of digital technology is crucial for enhancing the quality of inclusive finance, with institutions like China Bank and China Construction Bank focusing on digital solutions to improve service precision [3][4]. - China Life Insurance has optimized its online insurance processes, achieving over 75% of claims processed through digital means in the first half of the year [3]. - The average loan balance for inclusive small and micro enterprises at the Bank of Communications has grown at an annual rate exceeding 30% since the 14th Five-Year Plan [4]. Group 3: Future Directions and Policy Support - The report highlights the need for continuous innovation in policies and mechanisms to strengthen the digital ecosystem for inclusive finance [4]. - The financial sector is expected to play a vital role in supporting China's modernization and national rejuvenation efforts through high-quality service [5].