转自：新华财经 "随着新能源汽车产业快速发展，我们也迎来新的发展机遇，所以计划采购设备，改造生产线，并备货 原材料，扩大再生产，但资金不足，我们向工行提出了贷款需求，也得到了对方的快速响应对接，且贷 款利率优惠，解决了我们的资金难题。"柳州某汽车配件制造厂负责人介绍说。 一直以来，工商银行柳州分行坚持服务实体经济初心使命，围绕柳州工业城市特点，立足新发展格局下 的多元化金融需求，优化信贷布局，加大信贷投放，创新融资服务，提升服务效能，加大对战略性新兴 产业、智能制造、数字经济、绿色发展等领域的金融支持，助力产业结构优化升级、企业稳健发展，全 力支持地方经济高质量发展。截至2025年8月末，该行各项贷款余额782亿元，比年初增77亿元。 未来，工商银行柳州分行将紧扣实体经济发展需要和高质量发展目标，用好"广西分行工业E贷""广西分 行交易E贷"等重点产品，持续加大金融支持供给，为柳州实体经济高质量发展贡献更多工行力量。 （秦祖罡 刘诗铭） 编辑：赵鼎 该企业是一家集研发、生产、检测、销售与供应链服务于一体的民营科技型汽车产业链配套重点企业， 通过"公司+上游供应商+下游整车厂"模式，整合区内中小零部件供应商资源 ...

Group 1 - The core mission of the company is to serve the real economy by innovating financial products and services, enhancing cooperation with government and enterprises to provide robust financial support for local economic development [1] - As of August 2025, the company has issued nearly 4 billion yuan in inclusive loans, significantly contributing to the growth of the local real economy [1] - The company has successfully applied for 17 million yuan in special financial subsidies for small and micro enterprises since July 2025, injecting strong financial momentum into the local economy [1] Group 2 - The company utilizes financial technology to create a matrix of inclusive financial products that are scenario-based, intelligent, and online, addressing the financing difficulties faced by small and micro enterprises [2] - The company has expanded its funding to key local industries, including traditional Chinese medicine and agriculture, with over 500 million yuan in new funding allocated to 31 industrial clusters [2] - By the end of August 2025, the company has issued nearly 35 million yuan in loans to small and micro enterprises in the service consumption sector [2] Group 3 - The company actively collaborates with local government initiatives, particularly the "Yushang Return" program, to provide targeted financial services to returning enterprises [3] - As of August 2025, the company has issued nearly 60 million yuan in loans to small and micro enterprises involved in the "Yushang Return" initiative [3] - The company has established a regular communication mechanism with industry associations and local government to promote the development of the "Yushang Return" program [3]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively responding to the Guangxi Zhuang Autonomous Region's "2025 Financial Benefits for Enterprises Fiscal Interest Subsidy Policy Implementation Plan" by innovating the "Huiqi Loan" product system to address the core issue of high financing costs for small and micro enterprises [1][2] - Since July 2025, the bank has successfully applied for 160 million yuan in fiscal interest subsidy funds for small and micro enterprise loans, injecting strong financial momentum into the real economy of Yulin City [1] Group 1 - The bank leverages its financial engine role to assist small and micro enterprises in financing by closely aligning with the economic characteristics of Yulin's regional specialty industries and important agricultural bases [1] - The "Huiqi Loan" product system focuses on the common financing challenges faced by small and micro enterprises, individual businesses, and agricultural entities, with marketing teams actively engaging with business owners in various localities [2] - The bank utilizes big data analysis and refined management tools to select high-quality small and micro entities that align with national and regional industrial policies, ensuring precise allocation of fiscal subsidy resources [1][2] Group 2 - The bank addresses the "high financing costs" issue by creating a scene-based, intelligent, and online inclusive financial product matrix under the unified brand of "Huiqi Loan" [2] - Key products such as "New Generation Business Quick Loan," "Transaction e-Loan," "Merchant e-Loan," and "Agricultural e-Loan" have been introduced to innovate traditional credit models that rely on collateral and complex processes [2] - The product system covers 31 key industrial clusters, continuously optimizing based on customer needs to achieve comprehensive coverage of Yulin's characteristic industries and specialized markets [2] Group 3 - To ensure the effective and transparent allocation of the 160 million yuan in fiscal interest subsidy funds, the bank has established a rigorous and efficient full-process closed-loop management mechanism [3] - A strict customer admission and subsidy qualification review mechanism is in place, utilizing multi-dimensional risk control models and policy adaptation models for cross-validation and screening of applicant enterprises [3] - The focus is on ensuring that subsidy resources are directed towards the most urgent, most compatible, and most beneficial small and micro entities, preventing any leakage of funds [3]

转自：新华财经 编辑：穆皓 精准聚焦，资源倾斜薄弱环节。紧密围绕促消费政策导向，重点加大对住宿餐饮、文化旅游、家电家 居、新能源汽车、商贸流通等领域的信贷资源倾斜，尤其关注作为消费市场复苏关键的小微企业和个体 工商户。将普惠金融资源精准对接小微主体融资难、融资贵、融资慢的核心痛点，确保政策红利直达最 需要支持的经营主体，为玉林消费市场的全面复苏奠定坚实基础。例如，北流市某酒店因经营需要，于 今年7月向该行北流支行申请1000万元小微企业周转贷款，用于采购五金洁具百货、电器、酒饮调料等 物资及日常周转，支行客户经理高效对接、快速审批，及时发放贷款，有效助力酒店提升服务供给能 力，保障平稳运营。 创新赋能，高效服务经营主体。以产品创新和流程优化为核心，构建高效普惠金融服务体系，强力支撑 消费领域小微主体焕发生机。一是大力推广纯信用、线上化的普惠金融拳头产品，主推"新一代经营快 贷""交易e贷""商户e贷"等信用类贷款，依托大数据风控模型，实现"无抵押、秒审批、速到账"，有效破 解传统融资依赖抵押物的瓶颈；二是开辟"绿色通道"，提升服务效率，对消费领域小微企业及个体工商 户的贷款申请，设立优先审批通道，压缩业务办理 ...

Group 1 - The core viewpoint of the articles emphasizes the commitment of the Industrial and Commercial Bank of China (ICBC) Wuzhou Branch to enhance financial support for private enterprises, aligning with local industrial development and improving service quality [1][2] - As of July 2025, the loan balance for private enterprises at ICBC Wuzhou Branch increased by 250 million yuan compared to the beginning of the year [1] - The bank has established a target list for private enterprises and is focusing on key customer groups such as high-tech enterprises, specialized and innovative enterprises, strategic emerging industries, and advanced manufacturing enterprises to promote substantial loan disbursement [1] Group 2 - ICBC Wuzhou Branch has implemented a financial support model for private enterprise development, conducting various activities such as "entering parks to benefit enterprises" and "visiting thousands of enterprises" to enhance information sharing and project matching with government departments and industry associations [1] - The bank has formed dedicated service teams to analyze the operational conditions of private enterprises, optimize their financial structures, and reduce financing costs through tailored services [2] - Various credit products such as "Industrial e-loan," "Transaction e-loan," and cross-border loans have been selected to meet the specific needs of private enterprises, improving financing efficiency and providing additional services like settlement and foreign exchange [2]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Wuzhou Branch has implemented measures to enhance credit expansion, focusing on the real economy, inclusive small and micro enterprises, and personal loan markets, resulting in an effective increase in loan issuance and optimization of credit structure [1] Group 1: Credit Expansion Measures - As of June 30, 2025, the bank's total loans increased by 367 million yuan compared to the beginning of the year [1] - The bank is focusing on key areas for credit investment, leveraging its corporate credit advantages to support economic development and industrial upgrades in the Wuzhou area [1] - The bank is actively participating in the construction of the Xijiang Economic Belt and the Guangdong-Hong Kong-Macao Greater Bay Area, expanding investments in projects such as highways and green energy [1] Group 2: Inclusive Finance Initiatives - The bank is accelerating the expansion of inclusive credit markets, targeting industrial clusters, professional markets, quality business circles, and core customers [1] - Initiatives include the development of specialized loan products such as "One County, One Feature" agricultural loans, planting loans, trading loans, and regional loans to support small and micro enterprises [1] - The bank is utilizing a financing coordination mechanism to assist small and micro enterprises with no-repayment renewal loans, effectively addressing the "renewal loan difficulty" issue [1] Group 3: Personal Loan Business Transformation - The bank is fully promoting a "retail + inclusive" credit strategy, focusing on personal operating and consumer credit business [1] - There is an emphasis on increasing the proportion of non-housing loans within personal loans by leveraging product advantages [1] - The bank is enhancing its personal loan business development by promoting products like "Business Quick Loan" and "Rong E Borrow," and focusing on scenario-based expansion [1]

Group 1 - The core focus of the Industrial and Commercial Bank of China (ICBC) Wuzhou Branch is to enhance the development of inclusive finance, aiming for precise investment, optimized structure, and risk control, with an increase of 323 million yuan in inclusive loans by June 2025 compared to the beginning of the year [1][2] - The bank is actively implementing its inclusive loan development strategy by targeting small and micro customers, conducting outreach activities such as "ICBC Inclusive Finance Campaign" and "Thousand Enterprises and Ten Thousand Households Visits," and promoting a coordinated development of small and micro individual customers [1] - The bank is leveraging local traditional industry upgrades and the development of characteristic industries to conduct targeted visits to core enterprises and their upstream and downstream businesses, expanding its inclusive customer coverage through various loan products [1] Group 2 - The bank emphasizes risk control while expanding its inclusive business scale, implementing strict pre-loan investigations and enhancing post-loan management to address risk loans with tailored resolution measures [2] - The bank has accelerated the recovery of non-performing assets by forming recovery teams at branches and establishing clear recovery plans for non-performing loan customers [2] - Training for new customer managers at inclusive finance branches is being conducted to improve the team's ability in business development and risk prevention [2]

Group 1 - The core viewpoint of the articles emphasizes the commitment of the Industrial and Commercial Bank of China (ICBC) Yulin Branch to support small and micro enterprises through innovative financial services and increased credit supply, contributing to local economic development [1][2] - As of June 2025, the bank has issued over 3.1 billion yuan in loans to small and micro enterprises, ensuring stable and efficient credit supply [1] - The bank has introduced innovative financial products such as "Transaction e-loan," "Merchant e-loan," and "Agricultural e-loan," successfully expanding coverage to 31 industrial clusters in Yulin, with over 600 million yuan in new investments [1] Group 2 - The bank has reported a total agricultural loan balance exceeding 6.6 billion yuan, an increase of nearly 700 million yuan since the beginning of the year, supporting local agricultural development [2] - Innovative products targeting agricultural sectors include "Agricultural e-loan," "Planting e-loan," and "Breeding e-loan," effectively supporting local farmers in various agricultural activities [2] - The bank has conducted over 2,900 visits to individual businesses, issuing loans exceeding 1.8 billion yuan to alleviate financial difficulties faced by small enterprises [2]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Yulin Branch has been actively implementing inclusive finance strategies since 2025, focusing on providing substantial credit support to small and micro enterprises, thereby contributing to local economic development and promoting high-quality growth in inclusive finance. Group 1: Support for Small and Micro Enterprises - As of the end of May, the bank has issued over 2.5 billion yuan in loans to small and micro enterprises, ensuring a stable and efficient increase in credit supply [1] - The bank has developed innovative financial products such as "Transaction e-loan" and "Merchant e-loan" to cater to the diverse financing needs of enterprises, achieving coverage of 31 key industry clusters in Yulin [1] Group 2: Support for "Yushang Return" Enterprises - The bank has implemented measures to support the "Yushang Return" initiative by providing strong financial and service guarantees through innovative products and enhanced cooperation with government and enterprises [2] - This year, the bank has issued over 50 million yuan in loans to small and micro enterprises under the "Yushang Return" program, effectively alleviating issues related to financing difficulties [2] Group 3: Strengthening Agricultural Services - The bank has increased credit support in the agricultural sector, launching innovative micro-loan products such as "Xingnong e-loan," "Planting e-loan," and "Breeding e-loan" to support rural economic development [3] - As of the end of May 2025, the bank's agricultural loan balance reached nearly 6.5 billion yuan, an increase of 596 million yuan since the beginning of the year, effectively supporting local agricultural industries [3]

Core Insights - The focus of the Industrial and Commercial Bank of China (ICBC) Hechi Nandan Branch is on enhancing financial services for technology innovation, particularly for science and technology enterprises at different life cycle stages and sizes [1][2][3] Group 1: Financial Performance - As of May 27, 2025, the branch's loans to technology enterprises increased by 203 million yuan, representing a growth rate of 34.39% compared to the beginning of the year [1] Group 2: Strategic Initiatives - The bank emphasizes the importance of technology finance as a key focus for 2025, organizing multiple meetings to deploy detailed strategies and analyze the growth of technology loans [1] - The branch collaborates with government departments such as the Ministry of Industry and Information Technology and the National Development and Reform Commission to connect with high-tech enterprises and tailor financial solutions [2] Group 3: Product Offerings - The bank has developed specialized financial products like "Kechuang e-loan," "Industrial e-loan," and "Transaction e-loan" to cater to different customer segments, enhancing financing for small and micro technology enterprises [2] Group 4: Management and Talent Development - The bank implements a list-based management system for high-tech and specialized enterprises, regularly tracking service progress and business acceptance [3] - There is a focus on building a skilled credit talent team through training programs to improve service quality for technology enterprises [3]