● 本报记者吴杨 金融监管总局最新发布的数据显示：三季度末银行业金融机构普惠型小微企业贷款余额36.5万亿元，同 比增长12.1%；普惠型涉农贷款余额14.1万亿元，较年初增加1.2万亿元。在普惠金融快速发展的当下， 武汉众邦银行、北京农商行等机构积极发挥银政协同、数字赋能的作用，促使金融资源有效突破传统服 务边界的制约，对接小微企业、涉农主体等重点群体的融资需求，实现了金融服务对薄弱环节的精准覆 盖与有效支持。 于缝隙中挖掘潜在需求 普惠金融的难点在于触达缝隙市场，这些市场的主体分散、信息匮乏，常处于传统金融服务的盲区。北 京农商行以银政协同为核心抓手，成立由行长牵头的小微企业融资协调工作专班，与北京市各区政府建 立"周沟通、月复盘"机制，针对复杂融资需求还会召开专题协调会。"银行客户经理+区专班工作人 员"联合走访的模式，构建起直达企业的服务通道，今年以来已完成超1500家企业走访，落地融资支持 超25亿元。 "接下来，我行将继续深化银政协同，进一步推动数据共享升级，强化资源整合。"北京农商行相关人士 表示。 面对农业等领域的缝隙需求，数字化手段是有效的解决工具。"我们借助金融科技优势，搭建起覆盖全 产业 ...

● 本报记者 吴杨 金融监管总局最新发布的数据显示：三季度末银行业金融机构普惠型小微企业贷款余额36.5万亿元，同 比增长12.1%；普惠型涉农贷款余额14.1万亿元，较年初增加1.2万亿元。在普惠金融快速发展的当下， 武汉众邦银行、北京农商行等机构积极发挥银政协同、数字赋能的作用，促使金融资源有效突破传统服 务边界的制约，对接小微企业、涉农主体等重点群体的融资需求，实现了金融服务对薄弱环节的精准覆 盖与有效支持。 于缝隙中挖掘潜在需求 普惠金融的难点在于触达缝隙市场，这些市场的主体分散、信息匮乏，常处于传统金融服务的盲区。北 京农商行以银政协同为核心抓手，成立由行长牵头的小微企业融资协调工作专班，与北京市各区政府建 立"周沟通、月复盘"机制，针对复杂融资需求还会召开专题协调会。"银行客户经理+区专班工作人 员"联合走访的模式，构建起直达企业的服务通道，今年以来已完成超1500家企业走访，落地融资支持 以数据破解融资瓶颈 金融监管总局局长李云泽在2025金融街论坛年会开幕式上表示，着力提升经济金融适配性，更好促进经 济社会持续健康发展。要拓展小微、民营、"三农"金融覆盖面，让普惠金融活水精准滴灌千企万户。目 ...

Core Viewpoint - The article highlights the evolution and impact of private banks in China over the past decade, emphasizing their role in providing financial services to the private economy and small enterprises through innovative and technology-driven approaches [1][5][9]. Group 1: Development of Private Banks - Since the establishment of the first private banks in 2015, the number has grown to 19, with total assets exceeding 2 trillion yuan, reflecting a year-on-year growth rate of over 9%, significantly outpacing the average growth of the banking sector [5][9]. - Private banks have successfully filled the financing gap for small and micro enterprises, which traditional banks often overlook due to a lack of collateral and credit history [3][7]. Group 2: Innovative Financial Services - Private banks utilize technology to offer differentiated financial services, such as warehouse receipt pledge loans, which allow businesses to leverage their inventory as collateral for loans [2][7]. - The balance of inclusive small and micro loans from 11 private banks reached 520.57 billion yuan by the end of 2024, with a significant portion of these loans directed towards private enterprises [3][5]. Group 3: Challenges and Future Directions - Despite their growth, private banks face challenges such as weak capital strength, reliance on interbank funding, and low brand recognition [9][10]. - Experts suggest that policy support is crucial for private banks to enhance their service capabilities and expand their operational reach, including lifting restrictions on single shareholder ownership and allowing more branch establishments [9][10].