近日召开的中央经济工作会议对2026年经济工作作出全面部署，明确提出引导金融机构加力支持扩大内 需、科技创新、中小微企业等重点领域，强调"创新科技金融服务""围绕发展新质生产力，推动科技创 新和产业创新深度融合"，为金融体系服务高质量发展提供了清晰指引。 在此背景下，全国地方金融第二十九次合作交流会议在安徽省来安县召开。会议由全国地方金融论坛办 公室、来安县委和县政府、长三角科技产业金融研究联盟联合主办，聚焦"产才融合 金融赋能高质量发 展"主题，围绕金融"五篇大文章"，汇聚了21个省市自治区的300余位政府代表、金融机构高管、专家学 者及媒体人士，共谋"十五五"时期地方金融高质量发展路径。与会嘉宾从战略引领、实践创新、生态协 同三个维度深入研讨，既有宏观政策解读，也有县域金融、小微服务等具体场景案例分享，彰显了地方 金融服务实体经济、推动新质生产力发展的责任担当与创新活力。 锚定金融"五篇大文章" 构建金融强国新格局 党的二十届四中全会对"十五五"时期加快建设金融强国提出明确要求、作出战略部署，为扎实做好"十 五五"时期金融工作提供了根本遵循。多位嘉宾强调，地方金融必须紧扣科技金融、绿色金融、普惠金 融、养 ...

勇探金融创新，激活低碳转型新动能。该行将企业碳账户作为落实"双碳"战略的核心抓手，有效促 进碳汇资源向金融资源的转化，加速转型金融落地实践。率先落地多项创新产品，包括省内首笔"农业 转型+可持续挂钩"贷款、分行首笔碳账户优惠贷款、可持续挂钩贷款以及可再生能源补贴确权贷款 等，累计实现信贷投放8400万元。同时，创新定价机制，依据企业碳排放表现实施差异化、引导性的优 惠利率政策，有效降低了绿色转型企业的融资成本，激发企业内生减排动力。 践行大行担当，共筑青藏生态安全屏障。该行始终将经济责任与社会责任有机统一，争做生态文明 建设的坚定守护者和积极贡献者。深度参与生态保护修复，与三江源生态保护基金会战略合作，捐资建 设"中国工商银行黄河上游千亩经济生态公益林项目"，2022年至2024年共完成造林430余亩，栽植苗木 3.6万余株，为筑牢黄河上游及青藏高原生态屏障添绿增彩。创新设计发行"大美青海·三江源"贵金属产 品，加大文化宣传力度、提升环保意识，实现公益价值与金融价值的融合互促。积极组织员工参与"一 元钱一滴水 爱我三江源""我为高原种棵树""饮水思源·探秘三江源"系列公益活动，营造守护"中华水 塔"的浓厚社会 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively implementing a financial-for-the-people philosophy by addressing the financing challenges faced by small and micro enterprises through mechanism optimization, model innovation, and product upgrades, significantly enhancing the quality and efficiency of its loan renewal services [1][2]. Group 1: Loan Renewal Services - The bank has established a proactive approach to loan renewal by creating a regular communication mechanism, ensuring that client managers visit businesses nearing loan maturity to assess their needs and develop personalized renewal plans [1]. - As of October 2025, the bank has facilitated over 800 small and micro enterprises with a total of nearly 1.5 billion yuan in no-repayment renewal loans, effectively alleviating cash flow issues for these businesses [1]. Group 2: Process Improvement - The bank has streamlined its services by creating a dual-channel approach (online and offline) for loan renewal applications, significantly improving response times through centralized backend reviews [2]. - A "green channel" for loan renewal approvals has been established to ensure rapid responses during critical financial periods for enterprises, thereby minimizing financing wait times and ensuring seamless transitions between old and new loans [2]. Group 3: Product Innovation - The bank has developed a diverse and scenario-based matrix of renewal products tailored to the short, frequent, and urgent financing needs of small and micro enterprises, leveraging financial technology [2]. - New online and automated products such as "New Generation Business Quick Loan," "Transaction e-Loan," "Merchant e-Loan," and "Agricultural e-Loan" have been promoted, enhancing the accessibility and flexibility of funds for businesses [2].

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].

Core Insights - The Industrial and Commercial Bank of China (ICBC) Liuzhou Sanjiang Branch is focusing on supporting the development of the local economy by providing tailored financial services to small and micro enterprises, contributing to rural revitalization [1][2] - As of the end of October, the branch's inclusive loan balance reached 170 million yuan, reflecting a 47% increase since the beginning of the year, demonstrating strong support for local economic development [1] Financial Support for Local Industries - The branch is innovating financial support by focusing on the local "two teas and one wood" industry, creating customized financial service plans for different stakeholders in the tea industry chain, including farmers, cooperatives, processing enterprises, and distributors [1] - Financing products such as "Xingnong e-loan," "Merchant e-loan," and "Industrial e-loan" have been introduced to meet the specific needs of enterprises, while processes have been simplified to enhance efficiency and address financing challenges [1] Service Optimization and Engagement - The branch is actively optimizing its service model by conducting on-site visits and demand surveys in tea markets, industrial parks, and townships to better understand the needs of small and micro enterprises [1] - Efforts are being made to ensure effective service delivery through district management and accountability measures, enhancing the quality and efficiency of financial services provided [1]

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]