Core Viewpoint - The 19th Shenzhen International Financial Expo showcases innovative financial products and services aimed at supporting the real economy, with a focus on technology finance and inclusive finance, highlighting the role of financial institutions in driving high-quality development in Shenzhen [1][12]. Technology Finance - Shenzhen is recognized as a national high-tech innovation hub, with over 12.5 national high-tech enterprises per square kilometer and leading the country in PCT international patent applications for 21 consecutive years [5]. - Shenzhen Industrial and Commercial Bank (ICBC) provides comprehensive financial support to technology companies like Kenqing Technology, facilitating technology transformation, production scale expansion, and market promotion [3][5]. - The bank has developed a full-cycle "technology innovation product group" to activate the value of intellectual property and equity assets, including the first copyright pledge financing in Shenzhen [6]. - A unique "three-in-one" evaluation mechanism has been established to assess technology companies based on talent structure, R&D capabilities, and intellectual property value, rather than traditional financial metrics [6][7]. - A digital platform has been created to enhance efficiency and accurately match the needs of technology enterprises, resulting in the approval of over 240 cutting-edge technology companies since its launch [6][7]. Inclusive Finance - Shenzhen ICBC has achieved a historic milestone with its inclusive loan balance surpassing 200 billion yuan, with an annual growth rate of 43% [11]. - The bank has introduced three major products—"Operating Quick Loan," "Online Loan," and "Digital Supply Chain"—to meet the diverse financing needs of small and micro enterprises [8][10]. - The "Park e-loan" product converts soft power indicators into quantifiable assessment metrics, enhancing service quality through data interaction with park operators [10]. - The bank's support has enabled companies like Shenzhen Tengxin Bainai Technology to secure funding for raw material procurement and R&D investments, contributing to their growth as specialized "little giant" enterprises [10]. Fifteenth National Games Finance - The bank has launched a series of financial products related to the Fifteenth National Games, including themed debit and credit cards, integrating sports, finance, and culture [12][15]. - The digital RMB hard wallet allows for seamless payment experiences, enhancing convenience for both local residents and international visitors attending the games [14][15]. - The bank's initiatives aim to transform spectator enthusiasm into tangible benefits for residents, showcasing its commitment to community engagement and support for major events [15].

Core Viewpoint - Shenzhen has transformed from a small fishing village to a global innovation hub, with GDP growth exceeding 10,000 times over 45 years, driven by small and micro enterprises and inclusive finance [1][2]. Group 1: Economic Development - Shenzhen's economy is characterized by over 4.5 million registered business entities and 25,000 national high-tech enterprises, forming a robust industrial cluster in electronics, biomedicine, and high-end manufacturing [2]. - The "20+8" industrial cluster in Shenzhen is experiencing significant growth, with small and micro enterprises acting as the engine for economic growth and technological innovation [2]. Group 2: Inclusive Finance Initiatives - Shenzhen Industrial and Commercial Bank (ICBC) has established a comprehensive inclusive finance strategy, with a loan scale exceeding 200 billion yuan, positioning itself as a key financial partner in the region's development [3][12]. - The bank has set up 39 flagship inclusive finance outlets and has reached over 100,000 small and micro enterprises, effectively addressing the "last mile" of financial services [3]. Group 3: Innovative Financial Products - ICBC has developed tailored financial products such as "Yard e-loan" and "Green Loan" to meet the specific needs of small and micro enterprises, enhancing service quality through data-driven decision-making [4][5]. - The bank's innovative approach includes using third-party data analysis tools to assess creditworthiness for individual businesses, facilitating access to credit for small merchants [5]. Group 4: Technology Empowerment - The bank has integrated technology into its inclusive finance model, creating a digital ecosystem that enhances service efficiency and customer experience [7][8]. - ICBC has streamlined processes for loan applications and approvals, reducing the time for mortgage processing to under 8 hours, significantly improving operational efficiency [9]. Group 5: Ecosystem Building - ICBC emphasizes collaboration with government and other stakeholders to create a supportive ecosystem for small and micro enterprises, integrating financing, intelligence, and business support [10][11]. - The bank has established a credit information sharing mechanism and collaborates with government-backed financing guarantee institutions to lower financing costs for small businesses [10]. Group 6: Future Outlook - ICBC aims to continue its commitment to inclusive finance, supporting Shenzhen's development as a model for shared prosperity and sustainable growth [12].