Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is implementing innovative financial solutions to support the high-quality development of the spice and traditional Chinese medicine industry in Yulin, focusing on the Yulin Fuda International Spice Trading Center and Yulin Traditional Chinese Medicine Port [1][2] Group 1: Financial Initiatives - The bank has introduced three key measures: "mortgage + credit" increase, "transaction e-loan," and "merchant e-loan" to address financing difficulties for small and micro businesses [1] - By the end of October 2025, the loan balance for the spice and traditional Chinese medicine industry is expected to exceed 400 million yuan, injecting strong financial momentum into local特色产业 [1] Group 2: Market Engagement - The Yulin Fuda Spice Trading Center and Yulin Traditional Chinese Medicine Port are central to the industry, gathering numerous quality small and micro businesses, which are vital for industry vitality [1] - The bank's dual credit model enhances the overall credit scale by assessing the stability, credit history, and market prospects of existing clients, thus providing additional credit limits [1] Group 3: Product Offerings - The "merchant e-loan" offers up to 2 million yuan with no collateral and fully online processing, addressing the pain points of slow and difficult financing for merchants [2] - The "xingnong e-loan" product system is designed to cover the entire supply chain of the spice and traditional Chinese medicine industry, including "planting loans," "manufacturing loans," and "circulation service loans" [2] - This comprehensive financial service framework aims to create a symbiotic financial ecosystem for the industry, supporting various stages from planting to processing and distribution [2]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is prioritizing support for autumn harvest and planting as part of its commitment to rural revitalization, addressing the financing challenges faced by agricultural operators through innovative products and services [1][2]. Group 1: Financial Support Initiatives - The bank aims to resolve the "difficult and expensive financing" issues for agricultural operators by implementing measures such as innovative exclusive products, service downscaling, and fee reductions [1]. - As of October 2025, the bank's agricultural loan balance is expected to exceed 3.7 billion yuan, an increase of over 700 million yuan from the beginning of the year, ensuring financial support during critical periods for grain production and rural revitalization [1]. Group 2: Innovative Product Offerings - The bank has developed a specialized product system called "Xingnong e-loan," which includes three main categories: "Planting Loan," "Manufacturing Loan," and "Circulation Service Loan," tailored to meet the financing needs of various agricultural sectors such as rice, Shatian pomelo, pig farming, and traditional Chinese medicine [1]. - Online "Business Quick Loan" services have been introduced to simplify processes and enhance financing accessibility, ensuring that funds reach agricultural operations promptly [1]. Group 3: Service Downscaling Efforts - The bank has mobilized a dedicated team to deepen service outreach, including the establishment of four county-level "Inclusive Youth Vanguard Teams" to conduct activities like "Xingnong Thousand-Mile Journey," providing financial knowledge and services directly to rural areas [2]. - Long-term village cadres are utilized to act as policy promoters and demand liaisons, identifying funding gaps for autumn harvest and planting while recommending suitable credit products [2]. Group 4: Cost Reduction Measures - The bank is actively reducing the financial burden on farmers by leveraging the "Huiqi Loan" interest subsidy policy, ensuring that farmers benefit from low-cost financing options [2]. - Efforts include waiving fees related to notarization, assessment, and mortgage registration for farmers, effectively lowering overall financing costs for production-oriented agricultural operators [2].

转自：新华财经 工商银行柳州三江支行立足县域实体经济发展需求，紧密结合地方特色产业，以专业、高效的金融服务 支持小微企业成长，为乡村振兴注入强劲金融动能。截至10月末，该行普惠贷款余额1.7亿元，较年初 增长47%，切实为当地经济发展提供了有力支持。 未来，工商银行柳州三江支行将继续发挥金融专业优势，深化县域特色产业金融服务，以更精准的产 品、更高效的服务支持实体经济高质量发展，携手绘就高质量发展新篇章。（李珍燕） 编辑：穆皓 聚焦特色产业，创新金融支持。三江县"两茶一木"产业资源丰富，该行围绕茶叶产业链上下游需求，量 身定制金融服务方案。针对茶农、合作社、加工企业及经销商等不同经营主体，推出"兴农e贷""商户e 贷""工业e贷"等契合企业需求的融资产品，同时简化流程、提升效率，有效解决经营主体融资难题。此 外，该行积极联动企业及农户等，深化产业链协同，助力特色产业提质增效。 下沉服务，精准对接。为更贴近小微企业需求，该行主动优化服务模式，组织员工深入茶叶市场、工业 园区及乡镇集中区，开展实地走访与需求调研，了解经营主体需求，做好产品和政策的宣传推广，做好 服务对接，切实将金融服务送上门，提升金融服务便利性和 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Hechi Branch is focusing on enhancing financial services and risk management to support the high-quality economic development of Hechi City, aligning with regional economic development plans [1] Group 1: Financial Support and Development Focus - The bank is concentrating on five key areas, increasing resource allocation and policy support, particularly in technology finance, green finance, and inclusive finance [2] - As of October 31, loans to technology enterprises increased by 258 million yuan since the beginning of the year [2] - The bank provided 100 million yuan in green working capital loans to a biomass technology company, supporting its circular economy model [2] - Inclusive finance initiatives have led to an increase of 495 million yuan in inclusive loans since the beginning of the year [2] Group 2: Credit Structure Optimization - The bank is optimizing its credit structure while ensuring stable growth in total credit, focusing on expanding its customer base to include high-potential small and micro enterprises and personal consumption loans [3] - There is a strict limitation on credit to high-energy-consuming and high-emission industries, with a focus on modern infrastructure, advanced manufacturing, and service industries [3] - The bank is actively engaging with local governments and industry associations to stay informed about development plans and major projects, providing tailored financing solutions [3] Group 3: Risk Management and Quality Assurance - The bank prioritizes risk management, viewing asset quality control as essential for business development [4] - A comprehensive risk management system is in place, including strict client admission processes and thorough pre-loan investigations [4] - The bank employs a combination of system monitoring and on-site inspections to manage post-loan risks, ensuring early identification and resolution of potential issues [4]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively implementing inclusive finance strategies, focusing on innovation and precise services to enhance financial support for key industrial clusters, industrial parks, and rural revitalization initiatives [1][2] Group 1: Financial Products and Services - The bank has customized financial products such as "Transaction e-loan" and "Merchant e-loan" for local industries, resulting in over 600 million yuan in new loan disbursements by the end of October, significantly enhancing credit services across 31 key industrial clusters and specialized markets [1] - Two core products, "Purchase and Construction Loan" and "Industrial e-loan," have been introduced to alleviate the financial burden on enterprises in industrial parks, with over 600 million yuan in inclusive loans disbursed to more than 200 small and micro enterprises by the end of October [1] Group 2: Support for Local Enterprises - The bank has established a dynamic financing demand matching mechanism to support the "Yushang Return" initiative, providing priority service channels for quality enterprises and promoting products like "Industrial e-loan" and "New Generation Business Quick Loan" [2] - By the end of October, the bank has issued over 60 million yuan in loans to enterprises involved in the "Yushang Return" initiative, significantly reducing financing costs through a combination of services, products, and policy incentives [2] Group 3: Agricultural and Rural Development - The bank prioritizes agricultural and rural development as a core aspect of inclusive finance, launching online and convenient agricultural financial products such as "Agricultural e-loan," "Planting e-loan," and "Breeding e-loan" to meet diverse financing needs [2] - These products effectively support local agricultural industries, including the production and sales of specialty crops like Shatian pomelo and medicinal herbs, injecting vital financial resources into rural revitalization efforts [2]

提前谋划，精准对接芒果产业需求。"兴农e贷"作为工行今年创新推出的涉农信贷产品，重点聚焦农业 全产业链各环节的融资难题。产品发布后，该行客户经理开展专项培训，深入学习产品要点与业务流 程，并结合田东县"中国芒果之乡"的产业特点，提前深入田间地头、加工车间、批发市场，走访合作 社、家庭农场及涉农企业，精准掌握芒果产业经营主体在扩大种植、设备升级、冷链建设、销售拓展等 方面的资金需求，提前完成客户筛选与尽职调查，为业务高效落地打下坚实基础。 高效落地，金融"活水"润泽"芒乡"。在产品正式上线后，该行依托分支行高效联动机制，仅用不到一天 时间，即完成从白名单导入、贷款审批到资金发放的全流程操作。获得"兴农种养贷"支持的某种植合作 社负责人表示："这笔资金来得太及时了，我们正打算引进新品种、扩建种植基地，工行的贷款就像'及 时雨'，助力我们迈出产业升级的关键一步。" 转自：新华财经 百色市田东县地处右江河谷腹地，光热充足、雨热同季，盛产芒果，培育有桂七芒、台农1号芒、贵妃 芒等30多个优质品种，被誉为"中国芒果之乡"。工行百色田东支行聚焦当地特色芒果产业发展，坚持产 品客户对位，通过"兴农e贷"产品精准支持产业链升级 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) Hechi Branch is enhancing its financial support for small and micro enterprises, focusing on key areas such as agriculture and rural development, with a net increase of 425 million yuan in inclusive small and micro enterprise loans, representing a growth of 25.23% as of September 30, 2025, which is higher than the overall loan growth rate [1][2] Group 1 - The bank has placed inclusive finance at the core of its development strategy, establishing a dedicated task force and regularly holding communication meetings to optimize its inclusive finance business development plan [1] - The internal assessment mechanism has been improved, increasing the weight of inclusive finance and rural revitalization in KPI evaluations to guide branches in allocating more credit resources to these areas [1] - The bank is enhancing training for frontline staff and customer managers to improve service quality and professionalism in serving small and micro enterprises [1] Group 2 - The bank is implementing a "one enterprise, one policy" approach to address the diverse financing needs of small and micro enterprises, conducting outreach activities to understand client pain points [2] - Tailored financial service plans are being developed based on industry characteristics and client needs, leveraging innovative products like industrial e-loans and agricultural e-loans to meet financing demands [2] - Risk management is prioritized to ensure sustainable and high-quality development, with a focus on comprehensive risk control throughout the loan process [2]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively supporting the local economy by providing efficient financial services to small and micro enterprises through innovative financial products and optimized service processes [1][2] Group 1: Financial Support for Small and Micro Enterprises - As of September 2025, the bank has issued nearly 4.5 billion yuan in loans to small and micro enterprises, benefiting various sectors including agriculture, manufacturing, trade services, and consumer services [1] - The bank has successfully implemented the "Huiqi Loan" product system to address the high financing costs faced by small and micro enterprises, resulting in the successful application for over 300 million yuan in special financial subsidies since July 2025, benefiting more than 150 small enterprises [2] Group 2: Innovative Financial Products - The bank has introduced the "Xingnong e-loan" product system tailored to the agricultural sector, which includes "Planting and Breeding Loans," "Manufacturing Loans," and "Circulation Service Loans," providing over 200 million yuan in loans to more than 250 agricultural enterprises [1] - New credit-based online products such as "New Generation Business Quick Loan," "Transaction e-loan," and "Merchant e-loan" have been launched to support small enterprises in the consumer sector, with nearly 40 million yuan in loans issued to service consumption enterprises by September 2025 [2]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively responding to the call for financial services transformation, integrating digitalization to enhance the coverage, accessibility, and satisfaction of inclusive financial services [1][2] - By September 2025, the bank's network financing business loan balance is expected to exceed 2.7 billion yuan, significantly contributing to the high-quality development of the local economy [1] Group 1: Digital Transformation and Financial Products - The bank is innovating digital inclusive financial products to address financing challenges, promoting online products such as "New Generation Business Quick Loan," "Chain Group Transaction e-Loan," and "Cluster Merchant e-Loan" [1] - A case study illustrates the efficiency of these services, where a local spice business received a loan approval of 300,000 yuan on the same day of application, showcasing the effectiveness and convenience of digital inclusive financial services [1] Group 2: Targeted Marketing and Rural Development - The bank employs a three-dimensional driving model of "digital technology + scenario ecology + multi-party cooperation" to enhance inclusive finance by expanding its reach and improving service quality [2] - It has developed rural digital inclusive finance as a key path for supporting rural revitalization, launching online agricultural credit products like "Agricultural e-Loan," "Breeding e-Loan," and "Planting e-Loan" to support local agricultural industries [2] - The establishment of 12 "Xingnong Tong" rural inclusive financial service points aims to deliver financial and non-financial services efficiently to rural areas, addressing the last mile of financial service delivery [2]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is actively promoting inclusive finance strategies, focusing on addressing financing challenges for small and micro enterprises as well as agricultural entities through product innovation, model transformation, service optimization, and mechanism guarantees [1][2][3] Group 1: Inclusive Finance Strategy - As of September 2025, the branch's inclusive loan balance exceeded 1.2 billion yuan, an increase of over 380 million yuan from the beginning of the year, representing a growth rate of 46.4% [1] - The branch has served over a thousand small and micro enterprises and individual businesses, significantly enhancing the coverage and effectiveness of financial services [1] Group 2: Product Innovation - The branch has promoted "Business Quick Loan" to address the urgent funding needs of small and micro enterprises, with total disbursements exceeding 900 million yuan [1] - To tackle the common issue of "guarantee difficulties," the branch has collaborated with government-backed financing guarantee institutions to launch the "Bank-Government Connection" service, providing credit support to enterprises lacking collateral, with a total of 23.28 million yuan in loans issued [1] Group 3: Cluster Model Transformation - The branch has introduced the "Cluster Merchant E-Loan" to shift from a traditional "dispersed marketing" model to a "centralized marketing, batch management" approach, serving 220 clients with a loan balance exceeding 200 million yuan [2] - This model utilizes an intelligent data collection platform to gather merchant operational data and customize solutions based on different market characteristics, achieving efficient outreach and precise risk control [2] Group 4: Agricultural Financing - The branch is committed to the national rural revitalization strategy, focusing on providing comprehensive financial services for agriculture, with inclusive agricultural loans exceeding 400 million yuan as of September 2025 [2] - The branch has established a "Youth Pioneer Team" to engage directly with local agricultural sectors, promoting tailored products like "Agricultural E-Loan" to meet specific financing needs [2] Group 5: Mechanism and Policy Support - The branch has established a dedicated inclusive finance department to enhance professional service capabilities and has initiated competitions to stimulate staff engagement, resulting in 442 new small and micro enterprise loan accounts [3] - The branch has implemented a "no repayment renewal" service for eligible small and micro enterprises, processing 385 million yuan in renewals, a year-on-year increase of 57%, thereby alleviating funding pressure for businesses [3] Future Outlook - The ICBC Beihai Branch plans to continue deepening its "four-wheel drive" strategy to enhance the coverage, accessibility, and satisfaction of inclusive financial services, contributing to the high-quality development of the local economy [3]