消费是经济增长的主引擎，民生是金融服务的落脚点。在内蒙古，农业银行将金融服务深度融入百姓生 活，为消费市场注入金融活水。截至11月末，农行内蒙古分行个人消费贷款余额超190亿元。 转自：新华财经 场景延伸，点亮美好生活 金融支持不仅点亮个体梦想，也滋养着区域产业生态。 冬日的阿尔山银装素裹，美不胜收。随着冰雪旅游升温，"粗茶淡饭"餐馆的生意也越来越好。"多亏了 农行的贷款，让我赶在旅游旺季前完成了店面改造。"餐馆老板朱大哥所说的，正是农行发放的8.3万 元"商户e贷"。从申请到放款仅用3个工作日，高效的服务解决了他的燃眉之急，助力小店焕新迎客。 针对内蒙古文旅资源丰富的特点，农行内蒙古分行还推出"兴旅贷"等特色产品，精准支持旅游产业发 展。截至11月末，"兴旅贷"已累计投放5719万元，支持文旅经营户204家，有效促进了当地旅游消费。 （鲁娜 王晓慧） 紧抓政策，激发市场活力 紧跟政策导向，农行内蒙古分行积极服务消费市场新需求。 在包头，市民杨先生通过农行客户经理分享的活动信息，在购置新冰箱时，叠加享受了商户优惠与农行 信用卡分期满减，省下了一笔可观费用。"没想到这么快就办完，省了不少钱！"为推进消费品以旧换 ...

Core Viewpoint - The traditional manufacturing industry, particularly the textile and apparel sector in Suzhou, is undergoing a transformation towards modernization, supported by financial services from Agricultural Bank of Suzhou, enhancing the entire supply chain's efficiency and competitiveness [1][2]. Group 1: Industry Transformation - The textile and apparel industry in Suzhou has evolved from its historical roots in silk weaving to become a significant player in modern industrialization, impacting everyday life [1]. - The integration of smart technologies in production processes, such as automated sewing systems and intelligent supply chain solutions, is crucial for the industry's digital transformation [1][2]. - During the "Double Eleven" shopping festival, Bosideng achieved over 100 million yuan in sales, showcasing the effectiveness of data and AI in driving digital transformation [1]. Group 2: Financial Support and Innovation - Agricultural Bank of Suzhou has provided nearly 8 billion yuan in group credit to support the transformation of companies like Bosideng, addressing funding challenges faced by suppliers [2]. - The bank's "Yin Piao e-Rong" product offers online financing solutions for upstream suppliers, ensuring quick access to funds and improving raw material supply efficiency [2]. - A tailored "Bosideng Industry Chain e-Loan" has reached a balance of 563 million yuan, demonstrating the bank's commitment to supporting downstream distributors with innovative financial services [2]. Group 3: Local Industry Development - The wool sweater market in Wujiang District has seen a resurgence, with local businesses adapting to consumer demands for high-quality, stylish winter apparel [3]. - Local textile enterprises have shifted from homogeneous competition to focusing on product quality and design, enhancing their market competitiveness [3][4]. - Agricultural Bank of Suzhou has implemented various financial products to support small and micro enterprises, facilitating their growth and contributing to the local economy [4]. Group 4: Future Prospects - The textile and apparel industry in Suzhou is expected to continue thriving under the guidance of Agricultural Bank of Suzhou, enhancing domestic demand and solidifying the foundation of the real economy [5].

传统制造业是现代化产业体系的重要基底，其优化提升不仅关乎实体经济的持续壮大，也深刻影响着每 个普通人的衣食住行。在江苏苏州，纺织服装产业脱胎于蚕桑文明，扬名于丝绸织造，兴盛于现代工 业，近年来已然从独具风雅的江南名片，演化为泽被万家的"天下衣履"。如何将这一传统制造业的优势 重塑为构建现代化产业体系的胜势？农行江苏苏州分行（以下简称苏州农行）与各类服装制造企业同题 共答，用精准、完善的金融服务"穿针引线"，全力支持纺织服装全产业链智能化、融合化的焕新升级。 "大家对冬装的期待已不只是舒适保暖，高性价比和时尚设计成为了现在最主流的消费需求"。随着记者 在市场多处的细致问询，发现这一理念已成为横扇镇众多商户广泛达成的共识。面对不断变化的市场态 势，当地羊毛衫纺织企业经历过同质化竞争激烈、规模效应难以形成的低迷期，但在逐渐掌握"新需求 引领新供给，新供给创造新需求"的市场规律后，决心因势而动，坚持将产品质量作为立身之本，通过 引进设计师人才、使用高端纱线等手段，全面提升毛衫产品审美与品质，锻造横扇毛衫的核心竞争力与 品牌影响力。 在毛衫产业主动求变的同时，这类乡村特色产业综合生产能力和质量效益的协同提升，离不开金融 ...

14 11 1 11 欢迎新进直播间的宝宝,这是 咱们云南传承了1700余年的 非遗彝绣,喜欢的话抓紧时间 下单~ "十四五"时期,我国各地建设非遗工坊 1.29万家,带动相关产业120万余人就业 增收。 如今,在金融活水的助力下 千年彝绣技艺正焕发新光彩 逐步发展成为"把妈妈留在家门口"的 幸福产业、温暖产业 我行推出了金穗"绣娘贷" "绣坊贷""园区贷"一系列 特色金融产品,帮助咱们解 决融资难题。 这下可以"带着娃、 绣着花、养着家"了! 九州银行推山"全曲露练"行动 为嘉堡非 以工以1、1、工体界次 1、4、八分、八分分十 遗传承人和绣娘们制定专属金融服务方案, 助力千年彝绣走出深山,走向新世界,焕发 新光彩。 "十四五"期间 金融活水润泽千行百业、千企万户 一个个平凡的梦想 化作一抹抹动人的色彩 共同绘就一幅美好生活新画卷 翠姨是云南楚雄的一位绣娘 靠着一针一线,她绣出了一家人的美好生活 也绣出了传承非遗的终身事业 这家位于内蒙古的现代化牧场 。 是吴先生苦心经营了多年的心血 如何改善奶牛的生长、产奶环境 从而产出更多"放心奶" 是他一直钻研的课题 在冀中平原的麦田 农户老李正在操作着一架农业无人机 ...

中经记者 郝亚娟 夏欣 上海、北京报道 再如，中国银行携手各方构建"政府+银行+协会+商户"的四维服务体系，借助"小个专"基层党组织等机 制，持续开展"兴商助业普惠行"个体工商户提升发展质量专场活动，紧扣当地商户发展需求，围绕经营 主体登记注册流程、"名特优新"申报及认定标准、财税扶持政策措施、普惠金融产品支持等内容提供咨 询解答。同时，为上百名个体工商户设置一对一沟通洽谈环节，结合商户经营特点及融资需求，在贷款 额度、用款方式、还款计划等方面为其量身定制专属授信方案，有效提升客群获得感和满意度。 金融科技提升服务可得性 12月1日，我国首个面向个体工商户的全国统一信用评价标准——《个体工商户信用评价指标》国家标 准正式实施。 该标准适用于开展个体工商户信用评价活动，助力金融机构开发和提供适合个体工商户发展特点的金融 产品和服务，扩大个体工商户贷款规模和覆盖面，提高贷款精准性和便利度。 星图金融研究院副院长薛洪言接受《中国经营报》记者采访时指出，基于《个体工商户信用评价指标》 建立的新型评价体系，银行可从产品设计和服务模式两方面进行创新。一方面，可通过整合经营流水、 纳税记录、订单数据等多源信息，构建更精准的 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively implementing a financial-for-the-people philosophy by addressing the financing challenges faced by small and micro enterprises through mechanism optimization, model innovation, and product upgrades, significantly enhancing the quality and efficiency of its loan renewal services [1][2]. Group 1: Loan Renewal Services - The bank has established a proactive approach to loan renewal by creating a regular communication mechanism, ensuring that client managers visit businesses nearing loan maturity to assess their needs and develop personalized renewal plans [1]. - As of October 2025, the bank has facilitated over 800 small and micro enterprises with a total of nearly 1.5 billion yuan in no-repayment renewal loans, effectively alleviating cash flow issues for these businesses [1]. Group 2: Process Improvement - The bank has streamlined its services by creating a dual-channel approach (online and offline) for loan renewal applications, significantly improving response times through centralized backend reviews [2]. - A "green channel" for loan renewal approvals has been established to ensure rapid responses during critical financial periods for enterprises, thereby minimizing financing wait times and ensuring seamless transitions between old and new loans [2]. Group 3: Product Innovation - The bank has developed a diverse and scenario-based matrix of renewal products tailored to the short, frequent, and urgent financing needs of small and micro enterprises, leveraging financial technology [2]. - New online and automated products such as "New Generation Business Quick Loan," "Transaction e-Loan," "Merchant e-Loan," and "Agricultural e-Loan" have been promoted, enhancing the accessibility and flexibility of funds for businesses [2].

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is implementing innovative financial solutions to support the high-quality development of the spice and traditional Chinese medicine industry in Yulin, focusing on the Yulin Fuda International Spice Trading Center and Yulin Traditional Chinese Medicine Port [1][2] Group 1: Financial Initiatives - The bank has introduced three key measures: "mortgage + credit" increase, "transaction e-loan," and "merchant e-loan" to address financing difficulties for small and micro businesses [1] - By the end of October 2025, the loan balance for the spice and traditional Chinese medicine industry is expected to exceed 400 million yuan, injecting strong financial momentum into local特色产业 [1] Group 2: Market Engagement - The Yulin Fuda Spice Trading Center and Yulin Traditional Chinese Medicine Port are central to the industry, gathering numerous quality small and micro businesses, which are vital for industry vitality [1] - The bank's dual credit model enhances the overall credit scale by assessing the stability, credit history, and market prospects of existing clients, thus providing additional credit limits [1] Group 3: Product Offerings - The "merchant e-loan" offers up to 2 million yuan with no collateral and fully online processing, addressing the pain points of slow and difficult financing for merchants [2] - The "xingnong e-loan" product system is designed to cover the entire supply chain of the spice and traditional Chinese medicine industry, including "planting loans," "manufacturing loans," and "circulation service loans" [2] - This comprehensive financial service framework aims to create a symbiotic financial ecosystem for the industry, supporting various stages from planting to processing and distribution [2]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Liuzhou Sanjiang Branch is focusing on supporting the development of the local economy by providing tailored financial services to small and micro enterprises, contributing to rural revitalization [1][2] - As of the end of October, the branch's inclusive loan balance reached 170 million yuan, reflecting a 47% increase since the beginning of the year, demonstrating strong support for local economic development [1] Financial Support for Local Industries - The branch is innovating financial support by focusing on the local "two teas and one wood" industry, creating customized financial service plans for different stakeholders in the tea industry chain, including farmers, cooperatives, processing enterprises, and distributors [1] - Financing products such as "Xingnong e-loan," "Merchant e-loan," and "Industrial e-loan" have been introduced to meet the specific needs of enterprises, while processes have been simplified to enhance efficiency and address financing challenges [1] Service Optimization and Engagement - The branch is actively optimizing its service model by conducting on-site visits and demand surveys in tea markets, industrial parks, and townships to better understand the needs of small and micro enterprises [1] - Efforts are being made to ensure effective service delivery through district management and accountability measures, enhancing the quality and efficiency of financial services provided [1]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively implementing inclusive finance strategies, focusing on innovation and precise services to enhance financial support for key industrial clusters, industrial parks, and rural revitalization initiatives [1][2] Group 1: Financial Products and Services - The bank has customized financial products such as "Transaction e-loan" and "Merchant e-loan" for local industries, resulting in over 600 million yuan in new loan disbursements by the end of October, significantly enhancing credit services across 31 key industrial clusters and specialized markets [1] - Two core products, "Purchase and Construction Loan" and "Industrial e-loan," have been introduced to alleviate the financial burden on enterprises in industrial parks, with over 600 million yuan in inclusive loans disbursed to more than 200 small and micro enterprises by the end of October [1] Group 2: Support for Local Enterprises - The bank has established a dynamic financing demand matching mechanism to support the "Yushang Return" initiative, providing priority service channels for quality enterprises and promoting products like "Industrial e-loan" and "New Generation Business Quick Loan" [2] - By the end of October, the bank has issued over 60 million yuan in loans to enterprises involved in the "Yushang Return" initiative, significantly reducing financing costs through a combination of services, products, and policy incentives [2] Group 3: Agricultural and Rural Development - The bank prioritizes agricultural and rural development as a core aspect of inclusive finance, launching online and convenient agricultural financial products such as "Agricultural e-loan," "Planting e-loan," and "Breeding e-loan" to meet diverse financing needs [2] - These products effectively support local agricultural industries, including the production and sales of specialty crops like Shatian pomelo and medicinal herbs, injecting vital financial resources into rural revitalization efforts [2]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Wuzhou Branch is committed to serving the real economy and enhancing financial services for private enterprises, with a focus on key areas of private economic development [1][2] - As of September 2025, the bank's loans to the private economy increased by 492 million yuan since the beginning of the year, demonstrating its support for local private economic growth [1] Group 1: Financial Services and Product Innovation - The bank leverages its technological financial advantages to address the urgent financing needs of small and micro enterprises through various online inclusive loan products, such as "Quick Business Loan" and "Industrial e-loan," which streamline the loan process from application to disbursement [1] - Emphasis is placed on increasing credit loan issuance to lower financing barriers for small and micro enterprises, thereby providing continuous financial support for their growth [1] Group 2: Focus on Key Industries and Sustainable Growth - The bank utilizes its strong supply chain financial service system to extend the credit of core enterprises to their upstream and downstream small and micro private enterprises, effectively addressing financing challenges at the end of the industrial chain [2] - Support is directed towards advanced manufacturing and high-tech industries with core competitiveness and growth potential, ensuring that market research and project selection are conducted under controllable risk principles [2] Group 3: Tailored Financial Solutions - The bank actively integrates into Wuzhou's investment attraction development plan, focusing on key industrial clusters such as renewable resources, new materials, and pharmaceuticals, while providing specialized financing support [2] - By leveraging years of experience in serving private enterprises, the bank aims to identify and address financing bottlenecks, offering customized financial service packages to facilitate the transformation and upgrading of private enterprises [2]