在新疆这片广袤而充满活力的土地上，小微企业正成为推动地方经济高质量发展的重要力量。作为服务 实体经济的生力军，广发银行乌鲁木齐分行加大普惠金融服务力度，建立专项工作机制、倾斜政策资 源，并深入千余家企业问需解难，在降低企业融资成本方面持续发力。今年上半年，分行普惠型小微企 业贷款较年初增长17.6%、综合融资成本较上年下降29基点，切实助力更多小微企业轻装上阵。 新疆某酒业的发展是该分行支持小微企业成长的生动缩影。这家白酒生产和销售的企业曾面临资金周转 压力大、融资成本高等难题。2024年，该分行深入了解企业经营状况和发展需求，向企业发放了流动资 金贷款；今年，该分行进一步落实减费让利政策，主动将贷款利率下调65基点，为企业节约融资成本。 如今，该企业市场占有率逐步提升、新疆地域品牌特色凸显，正计划进一步扩大产能，将新疆特色白酒 推向更广阔的市场。 新疆维吾尔自治区正以蓬勃的发展姿态展现新时代的崭新面貌。 广发银行乌鲁木齐分行自成立以来，始终将自身发展融入新疆改革发展稳定大局，十三载风雨同行，始 终以金融活水精准灌溉实体经济，助力谱写大美新疆的壮丽篇章。截至2025年6月末，该分行已服务各 类客户超27万户， ...

秋分时节，五谷丰登。在第八个中国农民丰收节到来之际，广发银行积极践行金融服务乡村振兴的使命 担当，通过创新金融产品与服务模式，持续为乡村经济发展注入强劲动力，以金融之力绘就农业强、农 村美、农民富新图景。 普及金融知识，筑牢乡村风险防线 聚焦产业振兴，"贷"动特色农业发展 在提供融资支持的同时，广发银行各分行积极组织金融宣讲小分队深入田间地头，围绕防范电信诈骗、 识别非法集资、安全使用电子支付工具、存款保险制度等热点话题开展专题宣传，用通俗易懂的语言普 及金融知识，切实提升农民群体的风险防范意识和金融素养，让金融服务更加"接地气、暖人心"。 面对河南省某食用油有限公司在转型升级中遇到的融资难题，广发银行郑州分行打破传统授信模式，创 新采用知识产权质押融资方式，成功为其批复500万元授信额度，并联动当地知识产权局提供贴息支 持，以"科技+金融"双轮驱动，有效缓解了小微企业"融资难、融资贵"问题，为企业技术成果转化与产 业升级提供了有力支撑。 科技赋能金融，提升普惠服务效能 广发银行长春分行依托吉林省作为全国农村金融改革试点的优势，联合当地政府平台企业推出全流程线 上化的农户贷款产品。该产品借助大数据分析实现了农 ...

Group 1 - The core viewpoint of the articles emphasizes Guangfa Bank's commitment to supporting the marine economy through innovative financial products and customized service solutions, aligning with the national "Marine Power" strategy [1] - Guangfa Bank provides comprehensive financial services for the shipbuilding and marine engineering sectors, including tailored financial solutions for a large Jiangsu shipbuilding company that recently signed a contract worth over 1 billion yuan [2] - The bank's services cover various marine engineering scenarios, including traditional container ships and offshore drilling platforms, addressing key financing needs and enhancing cash flow management for enterprises [2] Group 2 - Guangfa Bank has introduced innovative factoring services to assist small and micro enterprises facing cash flow challenges, exemplified by a Zhejiang Zhoushan marine engineering company that secured 780,000 yuan in financing through the "Payable Pass" non-recourse factoring service [3] - The bank's online process for the "Payable Pass" service reduces financing barriers and enhances service efficiency, allowing the company to recover rental income five months earlier [3] - Guangfa Bank has launched a "photo remittance" feature to streamline cross-border payments, significantly improving operational efficiency and reducing labor costs for enterprises involved in international logistics [4] Group 3 - The "photo remittance" function allows companies to upload or take pictures of invoices, automating the payment process and achieving instant transactions, thus addressing inefficiencies in traditional payment methods [4] - A company in the automotive parts import-export sector reported an over 80% increase in operational efficiency after using the "photo remittance" feature, transforming their financial operations [4] - Guangfa Bank plans to continue enhancing its financial services in the marine economy, focusing on marine engineering, shipping logistics, and marine renewable energy to contribute to the development of a marine power nation [4]