齐鲁晚报·齐鲁壹点记者 尚青龙 实习生 宋雨轩 乡村振兴是实现中华民族伟大复兴的重大任务，金融是激活乡村发展动能的关键支撑。交通银行青岛分 行深入贯彻党中央全面推进乡村振兴的战略部署，严格落实中央金融工作会议、中央农村工作会议精 神，以总行"1+N"政策框架为根本遵循，立足青岛农业产业特色与乡村发展需求，从体制机制、信贷支 持、定点帮扶、产品供给四大维度精准施策，将金融活水深度融入乡村振兴主战场，为农业强国建设注 入强劲"交行力量"。截至今年8月末，该行涉农贷款较年初增幅11.67%，其中粮食重点领域贷款、普惠 型涉农贷款增幅分别达21.1%、20.83%，均显著领先各项贷款增幅，以实打实的服务成效，彰显了国有 大行服务国家战略、助力乡村振兴的使命担当。 机制先行：筑牢乡村振兴"组织保障网" 作为金融服务乡村振兴的"压舱石"，体制机制建设直接决定服务质效与推进力度。交通银行青岛分行坚 持把党的领导贯穿乡村振兴工作全过程，将金融服务乡村振兴纳入分行战略发展全局，严格对标《交通 银行青岛分行"十四五"时期发展规划纲要》，主动衔接总行《2025年金融服务乡村全面振兴行动方 案》，持续升级服务能力体系。 分行充分发挥 ...

对于深圳，如何在阡陌纵横的产业脉络中，通过金融活水最大程度地激活细胞活力，既是妥善解决小微企业"融资难、融资贵"难题的关键密钥， 也是驱动深圳蓬勃发展的重要推进力。 作为与特区共成长的金融力量，工商银行深圳市分行（以下简称"深圳工行"）始终坚守"普惠共享"初心，其普惠贷款规模已突破2000亿元，成为 特区发展当之无愧的"金融同行者"。 在同行的路途上，深圳工行如何赋能城市最活跃的小微企业？又借助了哪些科技力量让金融"活水"润泽微末细胞？在金融服务的"最后一公里"， 是一场怎样的别样风采？聚焦深圳发展的背后，见证标杆银行如何贡献金融力量。 普惠金融：深圳经济的"毛细血管" 在莲花山公园上空，无人机配送的"空降"，引得路人驻足观望；在南头古城街上，"机器人警察"与年轻人同框合影；在深圳市龙华区后浪新天地 广场，智能石墩成了"新晋网红"，排队"给手机续命"的大有人在……45年峥嵘岁月，深圳已经成为人们口中的"赛博鹏城"。 （原标题：2000亿级答卷出炉！解锁"普惠金融看深圳"的工行样本） 当前，新一轮科技革命正在兴起，产业升级迈向深度变革，深圳"20+8"产业集群正在茁壮成长。细观深圳经济的发展内核，小微企业是其最 ...

Core Viewpoint - The development of inclusive finance in China has evolved from a policy initiative to a core driver for balanced economic and social development, with a goal to establish a high-quality comprehensive inclusive financial system within the next five years [1] Group 1: Development Goals and Achievements - The implementation plan released by the Financial Regulatory Administration and the People's Bank of China aims to enhance inclusive finance to promote common prosperity [1] - The inclusive finance system in China has made historic achievements over nearly a decade, addressing structural issues such as financing difficulties and high costs for small and micro enterprises and agricultural entities [1] Group 2: Technological Integration - The shift from "quantitative expansion" to "qualitative improvement" in the inclusive finance sector is a key challenge, with financial technology represented by big data and artificial intelligence being crucial for resolving structural contradictions [2] - Innovations like the "live biological digital" loan model by Industrial Bank utilize IoT and AI to convert hard-to-assess rural assets into quantifiable digital credit, addressing credit collateral issues in agriculture [2] Group 3: Expert Insights and Theoretical Framework - The book invites experts to analyze the future of inclusive finance, emphasizing the need for a dual-driven approach from both government and market to resolve structural contradictions [3] - The research team summarizes common issues from case studies, providing a practical and policy-oriented perspective alongside theoretical insights [3] Group 4: Case Studies and Innovations - The book features over 80 case studies showcasing diverse innovations in business collaboration, product design, and risk management within the inclusive finance sector [4] - Notable examples include the "water-saving loan" by Bank of China and the use of satellite technology by ICBC to optimize agricultural credit models, demonstrating how technology can enhance rural economic services [4] Group 5: Service to New Citizens and Consumer Protection - Institutions like the National Development Bank and China Postal Savings Bank are exploring financial services tailored to new citizens, including pension finance and community finance [5] - Innovations in product and service delivery, such as digital financial education by China Construction Bank and services for the hearing-impaired by Shenzhen Rural Commercial Bank, highlight the sector's commitment to improving customer experience and protecting consumer rights [5] Group 6: Future Directions - The publication of "Intelligent Inclusive New Finance" marks a pivotal moment as inclusive finance transitions from quantity to quality, providing insights and methodologies that may guide future reforms and innovations in the sector [5]