金融是现代经济的核心，是国民经济的血脉。 旗帜引领方向，行动诠释担当。在八闽大地高质量发展的征程中，交行人始终胸怀"国之大者"，守正创 新、笃行实干，在服务实体的土壤里深耕，在造福民生的答卷上落笔。 破解堵点回应时代科技创新之需 科技创新是金融支持实体经济的重要着力点。交行充分认识到科技型中小企业在推动国家创新驱动发展 战略、培育新质生产力中的关键作用，将服务科技型企业作为战略重点，革新科技金融服务模式，通过 构建差异化的信贷审批机制、风险定价模型和考核激励机制，破除"唯抵押、唯财报"的传统束缚。在福 建，为破解科技型企业"轻资产、缺抵押、融资难"困境，交行创新推出"科技通"专属金融服务方案，为 科技型企业量身定制"科创属性"评价体系，实现对科技型小微企业"短频快"金融服务需求的快速响应。 祥鑫股份有限公司扎根福建闽侯，是一家专注于高性能合金材料及精密部件研发、制造的前沿科技企 业，致力于新能源、电池等领域关键材料的国产化突破与产业化应用，其研发生产的核心产品凭借卓越 性能填补国内多项技术空白。在伴随企业发展的过程中，交行不断创新服务模式，满足企业各阶段所 需。 "与交行的合作，最初也是从抵押等传统模式开始的 ...

Group 1 - The core viewpoint of the articles highlights the transformation in rural credit access facilitated by the integration of digital financial infrastructure and data sharing among government departments, significantly improving loan approval processes for farmers [1][2][3] - Jiangxi Province's Ganzhou City, known for its large citrus production, has implemented a rural credit information verification platform that aggregates agricultural data from various sectors, enhancing credit evaluation for rural operators [2] - The platform has led to a reduction in loan approval procedures by 2 to 3 steps, increasing efficiency by approximately one-third, and has expanded the coverage of credit services to previously underserved rural operators [2] Group 2 - By April 2025, the platform had aggregated 14.75 million pieces of agricultural data, covering various aspects of rural operations, which has been crucial for financial institutions in assessing creditworthiness [2] - The platform has supported the issuance of 20,600 loans amounting to 1.868 billion yuan, demonstrating its effectiveness in facilitating access to credit for rural businesses [2] - The integration of agricultural data into credit products has accelerated the digital transformation of financial institutions, allowing for more precise identification of customer groups and tailored financial solutions [3]

Core Viewpoint - The article highlights the proactive role of the Industrial and Commercial Bank of China (ICBC) in supporting the fruit industry in Baise City, leveraging favorable climatic conditions to enhance agricultural productivity and contribute to rural revitalization [1][2]. Group 1: Financial Support for Agriculture - ICBC Baise Branch is actively supporting the entire fruit industry chain, including planting, processing, and sales, by providing inclusive loans to boost farmers' income and strengthen enterprises [1]. - The bank utilizes a rich product portfolio to offer precise financing services tailored to the seasonal and fast-turnover nature of the fruit industry, ensuring timely financial support for farmers and businesses [2]. - Specific loan products like "Operating Quick Loan" and "Planting e-loan" are designed to meet the needs of farmers and enterprises, providing low-threshold, high-amount, and efficient credit support [2][3]. Group 2: Brand Development and Market Expansion - "Baise Mango" has gained recognition as a geographical indication product, known for its high sweetness and unique flavor, contributing to the brand effect in the market [3]. - A trade enterprise has successfully expanded its market from Baise Mango to Southeast Asia, indicating the establishment of a mature supply chain supported by ICBC's financial assistance [3]. - The bank has issued a total of 4 million yuan in inclusive loans to support the upgrading of cold chain transportation and storage equipment for quality enterprises in the fruit trade [3]. Group 3: Future Directions - By June 30, 2025, ICBC plans to continue its support for agriculture in Baise, having issued a total of 42.23 million yuan in "Agricultural e-loans" to enhance agricultural production and product circulation [3]. - The bank aims to deepen cooperation with leading agricultural enterprises and explore new models that integrate finance, technology, and industry to promote the branding, standardization, and digitalization of the fruit industry [3].

Group 1: Core Insights - The Industrial and Commercial Bank of China (ICBC) Guangxi Branch is actively promoting inclusive finance, focusing on four key areas: industry, agriculture, commerce, and technology [1][2] - As of March 2025, the inclusive loan balance of ICBC Guangxi Branch reached nearly 50 billion yuan, with an average annual growth rate of 48% over the past three years [1] - The "Cluster Merchant e-loan" product has been launched to address the financing needs of small and micro enterprises, with a loan balance exceeding 2.5 billion yuan within a year [1][3] Group 2: Support for Small and Micro Enterprises - ICBC Guangxi Branch signed a 10 billion yuan credit intention agreement with the Guangxi Individual Laborers and Private Enterprises Association to support individual businesses [2] - The bank is implementing various initiatives to enhance financial support for small and micro enterprises, including the "Three-in-One" service package for merchants [2] Group 3: Regional Economic Development - The Yulin City, known as the "Southern Country Fragrance Capital," is the largest spice raw material production and distribution center in China, with an annual trading volume exceeding 30 billion yuan [3] - ICBC Yulin Branch has provided over 200 million yuan in "Cluster Merchant e-loans" to 137 spice merchants, addressing their financing challenges [3] Group 4: Specific Industry Support - In the Hechi City Yizhou District, the local silk industry faces significant cash flow challenges, with collection stations needing to pay farmers up to 700,000 yuan daily [5] - ICBC Guangxi Branch has introduced a tailored "Silk Purchase Cluster Merchant e-loan" to support the financing needs of silk collection stations, providing 130 million yuan to 35 stations as of March 2025 [5][6]

2025年6月以来，该行紧紧围绕防汛救灾资金需求，优化贷款审批流程，提高贷款发放效率，为符合条 件的企业和经营个体提供及时、高效的金融服务。期间，累计为小微企业发放贷款超5亿元，同时做好 部分经营困难企业贷款的续贷工作，续贷笔数达到170余笔，金额超2亿元，保障汛期小微企业生产经营 资金需求，切实提升普惠金融服务质量。 转自：新华财经 面对2025年严峻的防汛形势，工行玉林分行积极响应玉林市委、市政府和上级行的决策部署，主动担当 作为，充分履行金融企业的职责，全力做好辖内金融支持防汛救灾工作。 编辑：穆皓 在关爱受灾群众方面，该行提供优质金融服务，为受灾群众和小微企业提供帮助。一是根据受灾小微企 业自身实际和"短、频、急"的融资需求特点，为企业量身打造金融产品，积极运用互联网、大数据技 术，推广省时省力、方便快捷、随借随还、循环使用的"新一代经营快贷""链群交易e贷""集群商户e 贷""兴农e贷"等众多新产品，以满足客户多样化、个性化的融资需求。二是重点开展受灾小微企业的续 贷工作，对正常经营的企业到期贷款，逐户制定续贷预案，组织人员上门调研，宣传续贷政策；符合续 贷条件的，做好前期续贷准备，及时签订新的借款 ...

Core Viewpoint - The company emphasizes the importance of building a credit system to support rural revitalization and promote inclusive finance, focusing on enhancing financial services for the real economy [1]. Group 1: Credit System Construction - Since 2022, the company has developed targeted credit products like "Grain Farmer Loan" and "Crab Farmer Connection" to support food security and key rural industries [2]. - In 2024, the company plans to enhance the coverage and adaptability of rural inclusive finance by collaborating with local government agencies to build an industry credit system based on credit information from upstream and downstream enterprises [2]. Group 2: Innovation in Financial Products - The company has created over ten multi-dimensional credit scoring models for agricultural entities, facilitating precise credit assessments based on various operational and credit conditions [3]. - New financial products such as "Xingnong E-loan" and "Xingnong Industry Loan" have been introduced to address the needs of modern agricultural operators and ensure financial support for farmers [3]. Group 3: Policy Support for Agriculture - The company employs various monetary policy tools to increase and reduce the cost of inclusive loans for agriculture, addressing the uncertainties in the agricultural sector [4]. - Collaborative efforts with local governments and insurance companies have led to risk-sharing mechanisms that significantly lower financing costs for agricultural entities [4]. - The company is committed to long-term efforts in building a robust credit system to contribute to rural revitalization and agricultural modernization [4].

支持"玉商回归"企业。该行贯彻落实玉林市委、市政府"玉商回归"工作部署，通过创新金融产品、优化 金融服务、加强政银企合作等多方面举措，为"玉商回归"提供了强有力的资金和服务保障。及时受 理"玉商回归"项目融资需求企业清单，根据清单派出营销团队深入工业园区、厂区、专业市场等场所进 行走访，挖掘各类客户需求潜力，及时将符合条件的企业纳入"推荐清单"，用好线上线下各类产品优 势，大力提供"普惠+"一揽子金融服务。今年以来，为"玉商回归"小微企业发放贷款超5000万元，有效 缓解企业融资难、融资慢、融资贵难题，获得企业的高度认可。 加强"三农"服务保障。该行认真落实国家关于建设农业强国的各项工作部署，加大在"三农"领域的信贷 支持，根据玉林市农产品经济发达特点，积极探索农村金融服务新模式，推出"兴农e贷""种植e贷""养 殖e贷"等小微信贷创新产品，拓展县域特色产业集群、中小微企业、合作社、农户等涉农群体，为符合 条件的涉农经营主体提供线上经营快贷支持，切实助力农业农村经济发展。截至2025年5月末，该行涉 农贷款余额总量近65亿元，比年初增加5.96亿元，有效支持当地农户沙田柚种植、生猪养殖、中药材和 香料销售等特 ...

转自：新华财经 今年以来，工行梧州分行积极融入地方发展，服务"五篇大文章"，通过加大贷款投放、拓展普惠金融、 推进养老金融和数智化创新等措施，全力加大对重点领域、薄弱环节的金融资源支持，助力地方实体经 济发展。 加大结构性贷款投放，推动协同发展。该行围绕当地经济和产业发展特点，深化政银企合作，加强信息 共享，主动对接辖区各经济园区和创新企业，推广"科创e贷""工业e贷"等产品，加大对先进制造业、科 创、战新等结构性贷款投放，助力科技创新与产业升级，2025年4月末战略性新兴产业贷款较年初增长 12.04亿元。用好上级行结构性FTP政策，优先支持绿色金融发展，围绕绿色产业发展，重点支持清洁能 源、绿色交通、生态环保等领域，争取政府相关部门在项目政策配套和支持，及时做好贷款前提条件落 实，促进绿色信贷投放。4月末绿色贷款较年初增加2.13亿元。 积极探索数智化创新，打造服务"新生态"。该行将金融服务嵌入生活场景，与梧州市民政局签订战略合 作协议，打造智慧餐厅数字金融场景，实现金融服务数智化、便捷化。目前已在辖内率先创新上线长者 食堂2家，进驻合作商家6户，累计服务老年人超过3200人次，累计就餐金额超3.2万元， ...

该行密切关注县委、县政府的方针政策，走访县金融办、发改局，重点关注乡村振兴工作及农林牧渔业 产业发展情况，围绕政府年度重点方向及目标，深挖涉农普惠金融市场。据了解，藤县近年来持续培育 壮大大红八角、粉葛、荔枝、六堡茶等特色农业产品，和平镇入选国家产业强镇创建名单、古龙镇入选 全国乡村特色产业产值超十亿元乡镇，"藤县粉葛""藤县八角"等获批国家地理标志证明商标。藤县的重 要农副产品产量稳步提升，生猪出栏49.53万头，增长3.4%；水果产量33.99万吨，增长5.2%；八角产量 2.44万吨，增长7%；茶叶产量1884.58吨，增长26.2%；木材采伐量154.26立方米，增长8%。 转自：新华财经 近期，工行梧州藤县支行深入贯彻落实金融"五篇大文章"的工作部署，落实乡村振兴工作，将普惠金融 业务作为工作重点，深入乡村市场，成功落地全辖首笔兴农E贷300万元，助力普惠金融业务发展。 该行长期坚持市场调研，主动了解市场信息和金融政策，在普惠新产品"兴农E贷"即将推出之际，该行 迅速组织网点主任、普惠专员及客户经理进行业务培训，掌握新产品业务重点，根据"兴农E贷"产品优 势及农业产业特征，了解行业融资需求及风险偏好 ...

转自：新华财经 2024年年底以来，广西地区降水较常年偏少。针对旱情，工商银行崇左分行主动担当作为，采取了资金 保障、服务优化、人文关怀等多项针对性举措，支持抗旱保粮，全方位助力农业稳产保供。截至2025年 一季度末，该行线上投放经营快贷余额9.34 亿元，较年初增加1.67亿元，帮助广大农户抗旱保产。 改进服务质量，畅通金融服务绿色通道。该行通过专题工作会，教育引导全辖员工高度重视支农抗旱工 作，增强工作的责任感、紧迫感，做好思想准备。在服务渠道上，该行采用线上+线下两种申请模式相 结合，为广大农户提供"一站式"服务，方便农户快捷申请贷款。线下贷款方面，采用"银行+农业龙头企 业+农户"、"银行+政府／优质担保机构+农户"等多种融资模式；线上贷款方面，简化流程，快速审 批，从白名单导入到贷款发放的流程，压缩到24小时之内。 强化人性化关怀措施，深入开展宣传工作。该行组织员工积极开展"兴农e贷"优惠政策宣传工作，加强 金融知识宣传推广，多次组织员工走进田间地头，向农户发放宣传折页，用简单易懂的方式介绍推 广"兴农e贷"申请便捷、按月付息到期还本等优势，向农户发放贷款联系卡，方便农户随时联系客户经 理了解、办理 ...