Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Zibo Branch is actively implementing the central financial work conference spirit, focusing on enhancing inclusive finance services and products, with a steady growth in inclusive loan scale, reaching a balance of 10.115 billion yuan by the end of June [1] Group 1: Service Optimization and Training - The bank has launched the "Inclusive Micro Classroom" video training series to improve frontline employees' business skills, ensuring they stay updated on regulatory policies and risk management [1] - A systematic approach is being taken to promote the "321" customer expansion project, providing standardized operational guidelines to enhance the quality of inclusive financial services [1] Group 2: Customer Acquisition and Industry Focus - The bank has developed a "Precision Positioning" APP for targeted customer outreach, resulting in visits to 13,484 enterprises and a total credit issuance of 3.949 billion yuan by the end of June [2] - Specific financial products have been tailored for local industries, such as the "Linyi Kitchenware e-loan" and "Zhoucun Stainless Steel e-loan," to support regional economic development [2] Group 3: Product Development and Risk Management - The "Agricultural Guarantee Quick Loan" product has been established, facilitating collaboration among various stakeholders to provide loans to farmers, with a total of 56.45 million yuan disbursed to 54 farmers by the end of June [3] - The bank is implementing comprehensive risk management strategies, including differentiated customer access and real-time risk alerts, to enhance the proactive management of potential loan defaults [3]

Group 1 - The core viewpoint emphasizes the importance of small and micro enterprises as vital components of county-level economic vitality and their role in stabilizing employment, promoting innovation, and benefiting people's livelihoods [1][2] - The Ningyang branch of the Industrial and Commercial Bank of China has implemented a rapid response mechanism for small and micro enterprise financing, establishing a "three-step quick response" system with timelines of 24 hours for list response, 48 hours for demand connection, and 72 hours for plan implementation [1][2] - The branch has created a special working group led by the branch president to oversee the financing coordination mechanism, ensuring prioritized service for clients on the "white list" with dedicated credit quotas and preferential interest rates [1][2] Group 2 - The branch has actively engaged with local government departments to identify key small and micro enterprises, establishing a service ledger categorized by industry, scale, and demand, achieving a 100% coverage rate in visits to 420 small enterprises and individual businesses [2] - To alleviate financing costs, the branch has implemented a special preferential interest rate for small and micro enterprises within the coordination mechanism, reducing the average interest rate by 120 basis points compared to the same period [2] - Future plans include deepening the application of the financing coordination mechanism, focusing on the county's industrial layout, and enhancing a comprehensive service network while promoting inclusive finance from "incremental expansion" to "quality improvement" [2]

以点带面，全域推进。首笔业务的成功落地，有效破解了农户因抵押物不足、经营分散导致的融资 难题，为县域普惠金融服务提供了创新范本。支行以此为契机，联合县农业农村局召开产品推介会，扩 大政策宣传覆盖面；同时建立"支行+网点+村级联络员"三级服务体系，延伸服务触角，推动业务向乡 镇纵深拓展。 泰安工商银行宁阳支行深入贯彻落实上级行与农担合作的决策部署，持续推进工银普惠行"一笔一 画做普惠"专项活动，深耕乡村振兴金融服务，加速普惠业务创新突破。2025年3月，该行成功投放全县 系统内首笔"农担快贷"70万元，进一步拓宽涉农主体融资渠道，为县域普惠金融发展注入新动能。 下一步，宁阳支行将持续深化银政担合作机制，围绕特色农业产业集群加大"农担快贷"推广力度， 优化服务流程、强化风险管控，推动普惠金融与乡村振兴深度融合，以更高效的金融服务助力农业增 效、农民增收，奋力书写普惠金融高质量发展新篇章。 泰安工商银行宁阳支行成功落地首笔"农担快贷" 高效服务，破解难题。面对"农担快贷"线上化操作新要求，支行组建专职服务团队，主动上门为农 户提供"一对一"指导。针对部分客户对线上申请流程不熟悉的问题，客户经理深入田间地头、养殖场 ...