普惠金融作为金融"五篇大文章"之一，聚焦服务小微企业、赋能民营企业、深耕乡村振兴、支持就业创 业，是推动经济社会高质量发展的重要支撑。日前，中央公布的"十五五"规划建议强调普惠金融要更好 地赋能实体经济发展，近日召开的中央经济工作会议也明确金融支持着力点，提出"引导金融机构加力 支持扩大内需、科技创新、中小微企业等重点领域"，为普惠金融发展指明了方向、注入了强劲动力。 2026，微光成炬，照亮普惠新征程。 创新创造 硬核奋进 ● 普意金融 当普惠金融成为驱动经济活力的重要引擎，当金融为民成为全行业的共同信仰。当"普惠"二字，刻进金 融的脉络，我们，是记录者，也是同行者。 2025，我们踏遍金融版图，扎根行业一线，解码普惠密码。小微企业融资难的 "最后一公里" 如何打 通？银行如何通过产品创新简化流程、降低综合融资成本？ 带着这些时代之问，我们探寻答案，让这 些来自一线的回答都能被清晰看见。 为深入发掘并推广广东银行业金融机构在普惠金融领域的先进经验与标杆案例，在中国人民银行广东省 分行指导下，南方都市报社、湾财社开启"中国普惠金融行"广东银行业普惠金融创新实践案例征集和推 广活动。 我们对话行业领军者，深挖机 ...

除了持续创新产品，广发银行还打造"信贷+"服务模式，结合小微企业经营发展全周期，提供涵盖便捷 结算、专业财务咨询、有效汇率避险等在内的多元化金融供给。通过整合运用行内优势产品资源，拓展 普惠金融服务外延，积极为小微企业提供贯穿初创、成长、壮大全流程的金融支持。 深耕供应链金融，以大带小激活全链 在众多普惠金融产品创新中，供应链金融因其"源于产业、赋能生态"的独特基因，以及"一链一策"的精 准模式，而被视为最具产业深度与商业智慧的解决方案。广发银行对此也早有布局并持续深耕。 作为一家全国性股份制银行，广发银行充分发挥股份制银行机制灵活、反应迅速的特性，通过创新产品 与优化服务模式，构建起普惠金融2.0模式，持续为小微企业注入发展动能。 在产品创新方面，广发银行一方面加速标准化产品创设与迭代升级，精心打造了涵盖"科创贷""科技人 才贷""惠民兴村贷""惠易贷"等在内的普惠金融产品矩阵，满足不同类型小微企业的差异化需求，实现 了"广覆盖"；另一方面，鼓励分行立足区域经济特色，因地制宜开发专属解决方案，成功推出了服务华 为、习酒、三一重工（600031）的上下游供应链小微企业专属产品，以及为义乌小商品城（600415 ...

对于千万家小微企业而言，融资难题往往如同一道"拦路虎"——缺乏合格抵押物的初创企业如何获得启 动资金？身处外贸赛道的小微企业怎样突破资金周转瓶颈"乘风破浪"？面对信贷产品材料繁杂、审批流 程漫长的现状，企业该如何快速拿到"救命钱"？ 广发银行通过资源倾斜与机制创新筑牢保障，为普惠金融足额配置贷款额度，内部资金转移价格较其他 类型优惠80个基点，并完善尽职免责机制，免除一线客户经理的后顾之忧。截至2025年10月末，广发银 行累计走访小微企业超15万户，为其中的3.6万户小微企业授信超1400亿元。 兴业银行成立总分行工作专班，并组建超1900人的"金融特派员"队伍，开展"千企万户大走访"行动。自 支持小微企业融资协调工作机制建立以来，兴业银行累计为7.8万户小微企业发放贷款超4800亿元。 华夏银行则由董事长挂帅成立专班，配套出台专项工作方案，从组织保障、数字赋能、激励约束、尽职 免责等多个维度确保小微企业融资协调工作机制高效运转。截至2025年6月末，该行已为融资协调机制 清单内1.41万户市场主体投放贷款1211亿元。 机制赋能下，银行业服务覆盖面与融资效率显著提升。数据显示，2025年三季度末，银行业金 ...

Core Viewpoint - The financing challenges faced by small and micro enterprises are critical to their survival and the overall economic vitality, prompting the establishment of a coordination mechanism to enhance access to credit and streamline the lending process [1][2]. Group 1: Mechanism Establishment and Implementation - A coordination mechanism for financing small and micro enterprises was established in October last year, aiming to address the financing difficulties faced by these businesses and the challenges banks encounter in lending [1][2]. - Banks have adopted innovative strategies to improve the efficiency of financial services, with a focus on direct and effective delivery of credit to small and micro enterprises [1][2]. - As of October 2025, the balance of loans to small and micro enterprises from banks reached 36.5 trillion yuan, reflecting a year-on-year growth of 12.1% [3]. Group 2: Innovative Banking Practices - Citic Bank implemented a "Five Special and Five Strengthen" work model, establishing a dedicated task force and optimizing specialized products to enhance service delivery to small and micro enterprises [2]. - Guangfa Bank has visited over 150,000 small and micro enterprises, providing credit exceeding 140 billion yuan to 36,000 of them, by innovating internal mechanisms and ensuring adequate loan allocation [2]. - Industrial Bank has issued loans exceeding 480 billion yuan to 78,000 small and micro enterprises since the establishment of the coordination mechanism [3]. Group 3: Digital Transformation in Financing - Banks are leveraging digital transformation to streamline the financing process, significantly reducing the time required for loan approvals and enhancing service accessibility [4][5]. - Citic Bank's "CITIC Easy Loan" digital product system has improved the efficiency of credit approval through online processes, enabling rapid funding for businesses in need [4]. - Guangfa Bank's "Mall E-Loan" product has provided over 3 billion yuan in loans to more than 500 small and micro enterprises, showcasing the effectiveness of digital solutions in addressing financing challenges [5]. Group 4: Support for Cross-Border Trade - Banks are enhancing services for small and micro foreign trade enterprises by simplifying processes and reducing the time required for cross-border transactions [6][7]. - Citic Bank has established a special task force to support small foreign trade enterprises, facilitating financial services and improving transaction efficiency [6]. - Huaxia Bank has tailored financial service plans based on operational information from small foreign trade enterprises, supporting their participation in international trade [7].

面向义乌中国小商品城内小微企业客群，广发银行整合商城征信数据，安排专职客户经理上门指导操 作，实现"信息多跑路、企业少跑腿"的服务升级。而针对"出海"需求为主的企业，广发银行充分发 挥"跨境金融+"优势，搭建政银企对接会等交流平台，配套提供出口信用保险、汇率避险工具等综合服 务，有效帮助企业规避汇率波动风险。 机制保障切实推动普惠金融工作落地见效 普惠金融业务提质增效的背后，是广发银行强化责任担当，做好机制创新，集中全行资源高效协同。 2024年10月，国家金融监督管理总局会同国家发展改革委，牵头建立了支持小微企业融资协调工作机 制。一年来，作为服务实体经济的金融主力军，广发银行始终坚持金融工作的政治性、人民性，将普惠 金融作为工作重点，通过创新产品体系、深化数智化转型，持续为小微企业注入金融活水。截至2025年 10月末，广发银行普惠型小微企业贷款余额、普惠型涉农贷款余额、涉农贷款余额增速均高于各项贷款 增速，普惠金融服务覆盖面和精准度显著提升；年度小微金融服务监管评价居股份制银行第一梯队。 精准施策构建特色产品破解融资难题 针对小微企业"轻资产"的融资痛点，广发银行持续加快普惠金融产品创新，建立批量化获客 ...

2024年10月，国家金融监督管理总局会同国家发展改革委，牵头建立了支持小微企业融资协调工作机 制。一年时间来，作为服务实体经济的金融主力军，广发银行始终坚持金融工作的政治性、人民性，将 普惠金融作为工作重点，通过创新产品体系、深化数智化转型，持续为小微企业注入金融活水。截至 2025年10月末，广发银行普惠型小微企业贷款余额、普惠型涉农贷款余额、涉农贷款余额增速均高于各 项贷款增速，普惠金融服务覆盖面和精准度显著提升；年度小微金融服务监管评价居股份制银行第一梯 队。 精准施策，构建特色产品破解融资难题 针对小微企业"轻资产"的融资痛点，广发银行持续加快普惠金融产品创新，建立批量化获客的产品体 系。 在杭州，广发银行针对义乌中国小商品城内小微企业客群的特点，推出"商城E贷"线上融资产品，依托 大数据风控技术，实现智能信贷评估与快速放款。吕女士是在小商品城经营的个体工商户，对于广发银 行"商城E贷"的便捷深有感触。她用手机操作，从扫码申请不到5分钟即办理完成"商城E贷"50万授信额 度申请，随借随还按日计息，有效降低了融资成本、时间成本。"商城E贷"自上线以来，已为超500家小 微企业提供信贷支持，累计发放贷款 ...

Core Viewpoint - The Supreme People's Court has issued guidelines to support the development of the private economy, aiming to provide stronger legal guarantees for its healthy growth [1] Group 1: Judicial Support for Private Economy - The guidelines propose specific measures to address challenges faced by the private economy, emphasizing the need for judicial support to enhance financial services and reduce financing barriers for private enterprises [1] - The banking sector is seen as a key player in providing inclusive financial services, leveraging judicial advantages to support high-quality development of the private economy [1] Group 2: Enhancing Inclusive Financial Services - The guidelines stress the importance of improving communication with financial regulatory bodies to optimize the supply and service of inclusive finance [2] - Banks are innovating in product offerings and service models to enhance the quality and effectiveness of inclusive finance, creating a multi-layered service system [2] - Examples include the development of diverse financial products tailored to the needs of small and micro enterprises, such as "惠民兴村贷" and "惠易贷" [2] Group 3: Financial Support for Key Sectors - The banking industry is increasing financial support for key sectors, such as rural revitalization, by creating innovative credit products and customized solutions [3] - For instance, a local bank has introduced a credit product with a maximum revolving credit limit of 5 million yuan to support the garlic industry, addressing seasonal funding needs [3] Group 4: Addressing Financing Challenges - High financing costs have long been a significant issue for the private economy, prompting banks to enhance credit support for private enterprises [5] - Banks are developing credit loan products based on big data and AI to cater to the characteristics of private enterprises, such as insufficient collateral [5] - A multi-tiered financial service system is being established to meet the financing needs of private enterprises at different stages of development [6] Group 5: Future Directions - The banking sector is encouraged to leverage information technology to enhance the inclusivity and effectiveness of financial services for private enterprises [6] - Continuous optimization of the business environment by relevant authorities is essential to facilitate banks in addressing financing challenges faced by private enterprises [6] - The banking industry is expected to use the guidelines as a roadmap to further improve inclusive financial supply and services, supporting the high-quality development of the private economy [6]

Core Viewpoint - Small and micro enterprises are crucial for economic growth, job creation, and innovation, and Guangfa Bank is committed to enhancing financial support for these enterprises while aligning its development with social and economic progress [1] Group 1: Financial Support for Small and Micro Enterprises - Guangfa Bank's inclusive finance loans for small and micro enterprises showed a positive trend in the first half of 2025, with loan growth exceeding the average growth rate of all loans by 2.08 percentage points [1] - The weighted average interest rate for newly issued inclusive loans decreased by 32 basis points compared to the beginning of the year, and the non-performing loan ratio for these loans is below the tolerance plan value [1][2] - The bank has established a diverse range of inclusive financial products, including "Science and Technology Loans" and "Easy Loans," to meet the varied needs of small and micro enterprises [2] Group 2: Rural Revitalization Efforts - Guangfa Bank is actively involved in rural revitalization, with inclusive agricultural loans growing over 9% compared to the beginning of the year [3] - The bank has launched specialized financial products like "Agricultural Loans" and "Pineapple Loans" tailored to local agricultural industries, particularly in Guangdong [3] - By the end of June, the bank had issued over 310 billion yuan in loans related to the "Hundred Million Project," with nearly 70 billion yuan added in 2025 [3] Group 3: Coordination Mechanism for Financing - Following the establishment of a coordination mechanism for supporting small and micro enterprise financing, Guangfa Bank has implemented an action plan focusing on optimizing design, improving mechanisms, and enhancing service quality [6] - The bank has engaged with over 120,000 small and micro enterprises, providing credit exceeding 110 billion yuan to those on the "recommendation list" [6] - Guangfa Bank aims to strengthen its role as a central enterprise member by offering more precise products and efficient services to support the high-quality development of small and micro enterprises [6]

Core Insights - Guangfa Bank is committed to enhancing inclusive financial services, focusing on small and micro enterprises as a vital source of economic growth and innovation [1][2][3] Group 1: Inclusive Financial Support for Small Enterprises - Guangfa Bank's inclusive micro-enterprise loans have shown a positive trend with a growth rate exceeding the average loan growth by 2.08 percentage points as of mid-2025 [1] - The weighted average interest rate for newly issued inclusive micro-enterprise loans decreased by 32 basis points compared to the beginning of the year [1] - The non-performing loan ratio for inclusive micro-enterprise loans is below the tolerance plan value, effectively addressing the financing difficulties faced by small enterprises [1] Group 2: Product and Service Innovation - Guangfa Bank is developing a multi-layered, widely accessible inclusive financial system, introducing standardized products like "Science and Technology Loans" and "Rural Revitalization Loans" to meet diverse needs [2] - The bank encourages branches to create tailored solutions based on regional economic characteristics, successfully launching exclusive products for supply chain enterprises and local merchants [2] - As of June, the balance of key standardized product loans reached nearly 1.5 trillion yuan [2] Group 3: Support for Rural Revitalization - Guangfa Bank is leveraging its financial services to support rural revitalization, with inclusive agricultural loans growing over 9% year-to-date [3] - The bank has introduced specialized agricultural financial products like "Agricultural Loans" and "Pineapple Loans" tailored to local agricultural resources [3] - Cumulatively, the bank has provided over 310 billion yuan in loans related to the "Hundred Million Project," with nearly 70 billion yuan added in 2025 [3] Group 4: Coordination Mechanism for Small Enterprise Financing - Following the establishment of a financing coordination mechanism for small enterprises, Guangfa Bank has implemented an action plan focusing on optimizing design, improving mechanisms, and enhancing service quality [5] - The bank has engaged with over 120,000 small enterprises, providing credit support exceeding 110 billion yuan for those on the "recommendation list" [5] - These initiatives aim to bridge the gap in inclusive financial services, ensuring robust support for the healthy development of small enterprises [5] Group 5: Commitment to High-Quality Development - Guangfa Bank will continue to strengthen its responsibilities as a central enterprise member, providing precise products, efficient mechanisms, and warm services to fuel the high-quality development of small enterprises [6]

Core Insights - Small and micro enterprises are crucial for economic stability, job creation, and innovation, and Guangfa Bank is committed to enhancing financial support for these businesses [1][2][3] Group 1: Financial Support for Small and Micro Enterprises - Guangfa Bank's inclusive finance loans for small and micro enterprises showed a growth rate exceeding the average loan growth by 2.08 percentage points as of mid-2025 [1] - The weighted average interest rate for newly issued inclusive loans decreased by 32 basis points compared to the beginning of the year [1] - The non-performing loan ratio for inclusive small and micro enterprise loans is below the tolerance plan value, addressing the financing difficulties faced by these businesses [1] Group 2: Product and Service Innovation - Guangfa Bank is developing a multi-tiered, widely accessible inclusive finance system, introducing standardized products like "Sci-Tech Loan," "Talent Loan," and "Village Revitalization Loan" to meet diverse needs [2] - The bank encourages branches to create tailored solutions based on regional economic characteristics, successfully launching exclusive products for supply chain enterprises related to major companies [2] - As of June, the outstanding balance of key standardized products reached nearly 1.5 trillion yuan [2] Group 3: Rural Revitalization Efforts - Guangfa Bank is focusing on rural revitalization as a key area for inclusive finance, with agricultural loans growing over 9% compared to the beginning of the year [3] - The bank has introduced specialized agricultural financial products like "Agricultural Loan," "Pineapple Loan," and "Grape Loan" to support local agricultural industries [3] - Cumulatively, the bank has provided over 310 billion yuan in loans related to the "Hundred Million Project," with nearly 70 billion yuan added in 2025 [3] Group 4: Coordination Mechanism for Financing - Following the establishment of a financing coordination mechanism for small and micro enterprises, Guangfa Bank has implemented an action plan focusing on optimizing design, improving mechanisms, and enhancing service quality [5] - The bank has engaged with over 120,000 small and micro enterprises, providing credit exceeding 110 billion yuan to those on the "recommendation list" [5] - These initiatives aim to bridge the gap in inclusive finance, ensuring support for the healthy development of small and micro enterprises [5] Group 5: Commitment to High-Quality Development - Guangfa Bank will continue to strengthen its role as a central enterprise member, providing precise products, efficient mechanisms, and warm services to drive high-quality development for small and micro enterprises [6]