Core Viewpoint - The development of inclusive finance in China has made significant progress, establishing a multi-level supply structure that enhances financial service coverage, accessibility, and satisfaction for the public and small enterprises [1][4]. Group 1: Inclusive Finance Development - The implementation plan for high-quality development of inclusive finance aims to establish a comprehensive system within five years, optimizing service systems and improving credit and insurance frameworks [1][3]. - The focus is on meeting diverse financial needs of the public and the real economy, addressing issues like high loan costs and accessibility [1][4]. Group 2: Local Case Study - In Jinqiu Street, Shandong Province, the local rush grass weaving industry has flourished with the support of inclusive finance, with over 300 enterprises and more than 12,000 direct employees [1][2]. - The introduction of tailored loan products like "Liu Bian Loan" has helped small business owners like Zhang Huihua secure necessary funds quickly, often with same-day disbursement [2][3]. Group 3: Financial Products and Services - Various specialized loans have been developed, including "Greenhouse Loan," "Prawn Loan," and "Catering Loan," to cater to the specific needs of local industries [3][5]. - The "Family Affinity Loan" allows family members to act as guarantors, addressing the challenge of finding collateral in rural areas [5][6]. Group 4: Insurance Role - Insurance products such as employer liability insurance and property insurance have been introduced to protect small businesses and their workers from risks, ensuring stability in production [8][9]. - The plan emphasizes the need for diverse insurance offerings that are affordable and easy to understand, enhancing the security of small enterprises [9]. Group 5: Accessibility of Financial Services - Local banks have established service stations in villages, providing essential banking services and facilitating easier access to financial products for residents [10][11]. - Initiatives like "Financial Night School" have been launched to educate the community on financial literacy, enhancing the overall understanding of financial products and services [11].

博兴县锦秋街道草柳编手工艺人王贵芝正在赶制草柳编产 品。 初宝瑞摄 数据来源：中国人民银行等 博兴县麻大湖国家湿地公园盛产用于草柳编的芦苇和蒲 草。 田 军摄 为创业就业添动力，为小微企业增活力，为乡村全面振兴送"活水"……近年来，我国普惠金融发展取得 长足进步，多层次普惠金融供给格局逐步确立，金融服务覆盖率、可得性、满意度明显提高。 习近平总书记指出："要始终坚持以人民为中心的发展思想，推进普惠金融高质量发展，健全具有高度 适应性、竞争力、普惠性的现代金融体系，更好满足人民群众和实体经济多样化的金融需求，切实解决 贷款难贷款贵问题。" 博兴农商银行工作人员深入草柳编加工车间走访问需。 王 冬摄 普惠金融关系着民生福祉。今年，国家金融监督管理总局、中国人民银行联合发布《银行业保险业普惠 金融高质量发展实施方案》（以下简称《实施方案》）提出，未来五年，基本建成高质量综合普惠金融 体系，普惠金融服务体系持续优化，普惠信贷体系巩固完善，普惠保险体系逐步健全。 金融"活水"如何精准滴灌千企万户，为民生增福祉？近日，记者走进山东省滨州市博兴县锦秋街道，感 受普惠金融的力量。 锦秋街道位于城区南部，鲁北地区重要的淡水湖泊 ...

Core Viewpoint - Linzi Rural Commercial Bank has been actively supporting the high-quality development of the regional private economy through precise and efficient financial services, contributing to the revitalization of the real economy [1] Group 1: Personalized Financial Services - The kitchenware industry in Zhutai Town, Linzi District, has developed into a significant sector with an annual output value of 4 billion yuan, involving over 800 enterprises and nearly 10,000 employees [3] - The bank has tailored financial services for local businesses, exemplified by the support provided to Wang Xueyong, who transitioned from a worker to the owner of a kitchenware company, benefiting from the bank's assistance [3][4] - Linzi Rural Commercial Bank has launched specialized loan products such as "Chuyi Loan" and "Micro Loan" to support the kitchenware industry, with 189 loans issued totaling 96.89 million yuan [4] Group 2: Innovative Loan Products - Aobo (Shandong) Intelligent Robot Co., Ltd. has developed a smart coffee robot, showcasing the company's innovation in the robotics sector [5] - The company, established in 2015, has become a leading player in collaborative robots, with annual revenue reaching 340 million yuan and contributing over 1 million yuan in taxes [6] - Linzi Rural Commercial Bank has provided 280 million yuan in loans to Aobo, demonstrating its commitment to supporting technological enterprises and enhancing their growth potential [6]