中国人民银行信贷市场司司长彭立峰认为，成功的普惠金融应在以下六个方面取得明显成效：一是基础金融服务更加普及，二是经营主体融资更加便利，三 是金融服务乡村发展更加有力，四是金融消费者教育和保护机制更加健全，五是金融风险防控更加有力，六是普惠金融配套机制更加完善。 作为全国性股份制商业银行和山东省属骨干金融企业，恒丰银行始终坚持金融服务实体经济、支持小微企业发展，全力做好普惠金融大文章，通过产品创 新、科技赋能等多维举措，持续为中小企业注入金融活水。 截至2025年5月末，恒丰银行小微贷款余额1798.08亿元，较年初增长9.62%，制造业和科技型企业贷款占比显著提升，以实际行动践行"金融助企"的责任担 当。 齐鲁晚报·齐鲁壹点 王赟 普惠金融已纳入国家发展战略十年，什么是成功的普惠金融？ 量增面扩，深入服务小微实体经济 五年来，恒丰银行普惠金融不仅实现了"量的跃迁"，还实现了"价格下降"和"质量提升"，为支持小微企业发展贡献了恒丰力量。 数据显示，恒丰银行改革重组以来，从2019年到2024年的五年间，普惠型小微贷款余额从113亿元增长到570亿元，年均复合增速超过38%，客户数从不到 9000户增长到3.4万 ...

Core Viewpoint - The introduction of "Agricultural Product Warehouse Receipt Pledge Loan" by Hengfeng Bank addresses the financing difficulties faced by agricultural product storage, enhancing access to credit for farmers and related businesses [1][2] Group 1: Agricultural Product Warehouse Receipt Pledge Loan - The product allows individuals or enterprises engaged in the cultivation, storage, production, processing, and trading of geographical indication agricultural products to obtain loans by pledging physical warehouse receipts [1] - Borrowers must be at least 18 years old and not exceed 70 years old at loan maturity, with a maximum financing limit of 10 million yuan and a loan term of up to 3 years [1] Group 2: Innovation and Technology in Financing - The loan process is expedited, taking only three minutes for the main procedure, significantly improving financing speed [2] - Real-time management of goods is facilitated through sensors and smart AR cameras linked to a monitoring and early warning center [2] - The use of blockchain technology ensures the authenticity and traceability of goods, providing clear ownership rights [2] - High safety of loans is achieved through comprehensive data analysis from various sectors, ensuring precise allocation of financial resources [2] Group 3: Expansion and Future Plans - The product has been successfully implemented in multiple regions within the province, covering various local agricultural products such as garlic, chili, and apples, and has expanded to include specialty products like medicinal herbs from Yunnan [2] - Hengfeng Bank aims to continue innovating inclusive financial products to support rural revitalization in line with central economic work conference directives [2]