转自：新华财经 普惠金融健康发展、高质量发展，是金融工作政治性、人民性的体现，是国有大行应有的责任担当。农 行内蒙古分行始终贯彻党中央关于普惠金融发展的决策部署，全面落实农总行关于普惠金融工作要求， 持续优化服务体系，精准对接金融需求，普惠金融服务实体经济取得明显成效。截至9月末，农行内蒙 古分行监管口径普惠贷款余额408.19亿元，较年初增长100.17亿元，增量连续两年突破百亿大关；融资 协调机制下累计支持小微企业5.71万户、累放贷款金额318.35亿元。 聚焦主责主业，精准浇灌"三农"特色产业 农行内蒙古分行深植三农沃土，突出普惠特色，立足自治区，创新"粮农贷""设施贷""粮食收储贷""智 慧畜牧贷"等特色产品，将服务重心精准锚定自治区农牧业产业链重点环节，实现服务模式创新升级， 以"金融副主任＋龙头企业＋信用村信用户评定＋整村授信"模式支持大豆、中草药等产业，通过政府贴 息方式支持肉牛养殖产业，以粮食"种植+加工+流通"全链条模式支持兴安盟稻米产业。截至9月末，乡 村产业贷款余额1078.74亿元，较年初增长206.72亿元，其中：粮食产业贷款余额389.16亿元，较年初增 长103.86亿元。 家 ...

Core Insights - The People's Bank of China in Deyang is promoting the development of accounts receivable electronic voucher business to convert accounts receivable into transferable and financeable "electronic credit," effectively addressing the financing difficulties faced by small and micro enterprises due to insufficient credit [1][2] Group 1: Business Model Innovation - Sichuan Kangborui Medical Equipment Co., Ltd. faced financing challenges due to its insufficient qualifications, but through the Agricultural Bank of China's Deyang branch's self-built platform "Nongyin Zhilian," it was able to obtain financing by issuing accounts receivable electronic vouchers [2] - The accounts receivable electronic voucher business leverages the credit of core enterprises, allowing small and micro enterprises to benefit from the credit of larger companies without independent credit assessments [2] Group 2: Cost Efficiency and Process Improvement - Suppliers can obtain more favorable interest rates and financing conditions through the accounts receivable electronic voucher business, significantly reducing their financing costs compared to traditional credit loans [3] - The efficiency of the financing process has improved dramatically, with some banks reporting that funds can be disbursed on the same day as the financing application, reducing the process from weeks or months to just hours [3] Group 3: Stability in Supply Chain Operations - A local materials company in Deyang quickly secured 30 million yuan in financing through the Construction Bank's "e Xintong" service, demonstrating the rapid turnaround from application to funding [4] - Core enterprises in the supply chain also benefit from this model, enhancing their operational efficiency and maintaining good relationships with suppliers through digital settlement methods [4]

Group 1: Industrial Development in Nanping - Nanping's Yanping District is a historical industrial hub in Fujian, home to key enterprises like Nanfu and Sun Cable, which have supported the region's manufacturing growth [1] - New companies such as Yuanli and Changfu are emerging as industry leaders, injecting new vitality into the traditional industrial base [1] - Agricultural Bank of China Nanping Branch is providing targeted financial support to facilitate the transformation of traditional industries and the growth of emerging sectors, having served 428 manufacturing enterprises with loans totaling 2.122 billion yuan this year [1] Group 2: Support for Key Enterprises - Sun Cable, a leading manufacturer in the cable industry, has received over 3 billion yuan in credit support from Agricultural Bank of China Nanping Branch, which has tailored financial services to assist in its digital transformation [2] - The bank has implemented a customized financing solution for Sun Cable, including a "domestic letter of credit + buyer's discount" scheme, which has been well-received by the company [2][3] Group 3: Focus on Technological Innovation - Yuanli Activated Carbon Co., Ltd. has become the world's largest producer of wood-based activated carbon, supported by 198 million yuan in credit from Agricultural Bank of China Nanping Branch, which has facilitated its international expansion [4] - The bank has focused on supporting specialized and innovative enterprises, providing 2.258 billion yuan in loans for strategic emerging industries and 200 million yuan for technology-driven companies this year [4] Group 4: Assistance for Traditional Industries - Meizhong Textile Co., Ltd. represents the traditional textile industry in Yanping District, with a new printing production line that alleviates supply issues for local textile enterprises [5] - Due to external pressures, Meizhong faced cash flow challenges, prompting the bank to offer a 10 million yuan working capital loan under a "no repayment renewal" scheme to stabilize its operations [6] - Agricultural Bank of China Nanping Branch has actively engaged with traditional industries to address funding challenges, implementing measures such as interest rate reductions and on-site service delivery [6]

Core Viewpoint - The article emphasizes the crucial role of private enterprises in China's economic transformation and the importance of financial support from banks to foster their growth and development [1][2]. Financial Support for Private Enterprises - Private enterprises are essential in transitioning traditional industries, developing emerging sectors, and nurturing future industries, with financial "water" being vital for their growth [1]. - Banks are innovating financial products and optimizing services to enhance credit support for private enterprises, especially during challenging times [1][2]. - The experience of Mingjia Semiconductor highlights the need for bank credit to support production operations during early mass production phases [1][2]. Innovation in Financial Products and Services - Banks are responding to policy calls by innovating financial products and optimizing services to support the healthy development of private enterprises [3]. - Examples include ICBC's "Assistance Combination Loan" and CCB's "Shan Ke Loan," which aim to address financing difficulties for small and micro enterprises [3]. - The introduction of the Private Economy Promotion Law is seen as a significant breakthrough in providing a robust legal framework to alleviate financing challenges for private enterprises [2][3]. Leveraging Financial Technology - The integration of financial technology is accelerating, with banks exploring AI, blockchain, and big data to enhance service efficiency and risk management [4][5]. - Banks are encouraged to build intelligent financing service platforms that can quickly assess various data points to streamline loan approval processes and improve credit risk pricing [4]. - The use of digital technologies is expected to broaden service channels and enhance risk control capabilities for private enterprises [4][5].

Core Insights - The article emphasizes the crucial role of private enterprises in China's economic transformation and the importance of financial support from banks to foster their growth [1][2] Group 1: Financial Support for Private Enterprises - Banks are innovating financial products and optimizing services to provide targeted support for private enterprises, enhancing their development potential [1][2] - The case of Beijing Mingjia Semiconductor illustrates how timely bank credit support is essential for companies during their production ramp-up phases [1][2] Group 2: Innovation in Financial Products and Services - The introduction of the "Minying Economy Promotion Law" is seen as a significant policy breakthrough, improving the legal framework for private enterprises and facilitating access to low-cost funding [2] - Various banks are launching innovative financial products, such as ICBC's "Zhu Shang Combination Loan" and Agricultural Bank's "Nongyin Zhichain" service platform, to address financing challenges faced by small and micro enterprises [2][3] Group 3: Leveraging Financial Technology - The integration of financial technology is crucial for enhancing service capabilities, with banks encouraged to adopt digital technologies to create a more efficient financial service system for private enterprises [3][4] - The use of AI and big data can streamline risk assessment and loan approval processes, improving the efficiency of credit allocation to private enterprises [3][4]