对于深圳，如何在阡陌纵横的产业脉络中，通过金融活水最大程度地激活细胞活力，既是妥善解决小微企业"融资难、融资贵"难题的关键密钥， 也是驱动深圳蓬勃发展的重要推进力。 作为与特区共成长的金融力量，工商银行深圳市分行（以下简称"深圳工行"）始终坚守"普惠共享"初心，其普惠贷款规模已突破2000亿元，成为 特区发展当之无愧的"金融同行者"。 在同行的路途上，深圳工行如何赋能城市最活跃的小微企业？又借助了哪些科技力量让金融"活水"润泽微末细胞？在金融服务的"最后一公里"， 是一场怎样的别样风采？聚焦深圳发展的背后，见证标杆银行如何贡献金融力量。 普惠金融：深圳经济的"毛细血管" 在莲花山公园上空，无人机配送的"空降"，引得路人驻足观望；在南头古城街上，"机器人警察"与年轻人同框合影；在深圳市龙华区后浪新天地 广场，智能石墩成了"新晋网红"，排队"给手机续命"的大有人在……45年峥嵘岁月，深圳已经成为人们口中的"赛博鹏城"。 （原标题：2000亿级答卷出炉！解锁"普惠金融看深圳"的工行样本） 当前，新一轮科技革命正在兴起，产业升级迈向深度变革，深圳"20+8"产业集群正在茁壮成长。细观深圳经济的发展内核，小微企业是其最 ...

在莲花山公园上空，无人机配送的"空降"；在南头古城街上，"机器人警察"与年轻人同框合影；后浪新 天地广场，智能石墩成了"新晋网红"，排队"给手机续命"的大有人在……45年峥嵘岁月，深圳已经成为 人们口中的"赛博鹏城"。 当前，深圳"20+8"产业集群正在茁壮成长。细观深圳经济的发展内核，小微企业是其最活跃的细胞，它 们不仅是经济增长的发动机，更是科技创新的生力军。如何在阡陌纵横的产业脉络中，通过金融活水最 大程度地激活细胞活力? 面对这一挑战，深圳工行给出了自己普惠金融这篇大文章的答卷。多年来，该行系统布局，从服务渠道 入手下沉服务，巩固加强网点普惠金融营销服务阵地作用。目前，该行设立39家普惠金融旗舰网点、19 家普惠金融标杆网点、83家普惠金融普及型网点，并组建了50支"普惠青年先锋队"，累计触达和服务小 微企业和个体工商户超10万户，打通了普惠金融服务"最后一公里"。深圳工行将普惠金融深度嵌入深 圳"20+8"产业集群、外贸出海、乡村振兴等重点战略场景，以普惠为底色，围绕科技、绿色、养老、数 字，在做好金融"五篇大文章"上持续发力，形成了具有深圳特色的普惠金融模式。 【立方都非報 奥一网oceee 时间 ...

Group 1 - The core viewpoint of the articles emphasizes the significant role of financial innovation in supporting the economic development of Tibet, particularly through the efforts of the Industrial and Commercial Bank of China (ICBC) Tibet Branch [1][2][3] - Since the beginning of the 14th Five-Year Plan, ICBC Tibet Branch has focused on serving national strategies and the real economy, with a total loan issuance of 179.2 billion yuan, marking a historical high growth rate of 13.9% year-on-year [1] - Financial products like "Cangsu Loan" and "Cangsu Loan e-loan" have effectively supported local tourism development, significantly increasing the income of transformed family inns by five times [1] Group 2 - The "Park e-loan" initiative has been launched to support the park economy, providing 74.6 million yuan in loans to meet the urgent funding needs of enterprises in the park [2] - In rural areas, ICBC Tibet Branch has developed tailored financial products such as "Snowy Agriculture e-loan" and "Cang Chicken Loan," which have contributed to a nearly 2.1 billion yuan increase in agricultural loans over the past three years [2] - The bank has also engaged in community support by sending 70 cadres to remote villages and donating over 20 million yuan in materials to improve local living conditions and education [3] Group 3 - ICBC Tibet Branch has established eight "Xingnongtong" financial service points in rural areas to fill the financial service gap, promoting the "Xingnongtong" app for inclusive financial services [4] - The bank's service teams, referred to as "Highland Financial Vanguard," actively deliver financial services and knowledge to farmers and herders in remote areas, enhancing financial accessibility [4] - The bank's efforts align with the central government's financial work meeting spirit and the action plan for financial innovation in border areas, aiming to strengthen financial services in underdeveloped regions [3]

Group 1 - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have issued guidelines to enhance financial services for rural reform and promote comprehensive rural revitalization, focusing on financing needs for specialty agricultural products and proposing differentiated credit policies [1] - The guidelines aim to address the financing bottleneck faced by agricultural entities due to difficulties in collateral and guarantees, thereby improving the success rate of agricultural credit [1] - Local banks are innovating financial products and services tailored to the characteristics of rural industries, such as whole-village credit assessments and specialized financial products for specific agricultural sectors [1][2] Group 2 - The Central Document No. 1 for this year emphasizes the promotion of live livestock and agricultural facilities as collateral for financing loans, encouraging banks to innovate collateral methods to better meet the financing needs of small and micro enterprises and farmers [2] - Financial institutions in various regions are collaborating with guarantee companies to innovate financial products, utilizing a risk-sharing model to alleviate the financing difficulties faced by small enterprises and the agricultural sector [2] - The importance of ecological assets as potential collateral for financing in the agricultural sector is highlighted, suggesting that financial institutions explore the use of ecological value to support rural financing [3]

Core Viewpoint - Shenzhen is accelerating the construction of a globally influential industrial technology innovation center, driven by significant R&D investments and a strategic focus on high-quality development [2][3]. Group 1: R&D Investment and Innovation - Shenzhen's R&D investment reached 223.66 billion yuan in 2024, with a growth rate of 18.9%, marking nine consecutive years of double-digit growth [2]. - The city's strategic emerging industries accounted for over 42.3% of the regional GDP in 2024, with advanced manufacturing as a core driver of high-quality development [3]. Group 2: Financial Support for Technology Enterprises - The Industrial and Commercial Bank of China (ICBC) Shenzhen Branch has restructured its technology financial services to support the growth of "hard technology" enterprises, focusing on long-term capital injection [3][4]. - By May 2025, the financing balance for technology enterprises at ICBC Shenzhen exceeded 160 billion yuan, with over 5,000 credit clients, reflecting a robust growth in its professional service system [4]. Group 3: Innovative Financing Mechanisms - ICBC Shenzhen has shifted its credit evaluation from traditional asset-based assessments to a focus on future value indicators, such as talent structure and R&D capabilities [6]. - The bank has developed a unique "three-in-one" evaluation mechanism that emphasizes the potential of technology enterprises rather than current financial metrics [6]. Group 4: Comprehensive Product Offerings - ICBC Shenzhen has created a diverse product matrix that supports technology enterprises throughout their lifecycle, including products for R&D investment and mergers and acquisitions [8]. - The bank has successfully implemented cross-border intellectual property pledge financing, facilitating the flow of technology resources between Hong Kong and mainland China [8]. Group 5: Ecosystem Development - ICBC Shenzhen is actively building a "technology innovation ecosystem" that connects government, capital markets, and industry resources, enhancing the integration of innovation, industry, and finance [9]. - The bank has organized over 20 investment roadshows, helping more than 120 small and medium-sized technology enterprises connect with national investment institutions [9]. Group 6: Digital Transformation - ICBC Shenzhen has developed a digital platform that enhances operational efficiency and supports technology enterprises in obtaining financing and tailored financial solutions [10]. - Since its launch, the digital platform has efficiently approved over 130 cutting-edge technology enterprises, showcasing the bank's commitment to leveraging technology in financial services [10].

Group 1 - The event "Financing Coordination Warm-up in Bao'an Artificial Intelligence Innovation Application Park" was held to support the financing of small and micro enterprises and promote the high-quality development of Shenzhen's "20+8" industrial clusters [1][2] - The event was organized by various entities including the Bao'an District Science and Technology Innovation Bureau and the Industrial and Commercial Bank of China (ICBC) Shenzhen Branch, attracting government representatives, financial institutions, industry associations, and small and micro enterprises in the AI and robotics sectors [1][2] - The initiative aims to bridge the gap in financial empowerment for the real economy through a collaborative approach involving government, banks, enterprises, and parks [1] Group 2 - ICBC Shenzhen Branch launched the "ICBC Inclusive Finance in Parks" series of activities, providing a "one-stop" financing service for enterprises in the park through a combination of offline and online interactions [2] - The "Park e-loan" service has reached over 300 quality industrial parks in Shenzhen, assisting nearly 800 small and micro technology innovation clients with approximately 2 billion yuan in financing [2] - The bank is enhancing collaboration with local industrial parks by customizing financial products based on specific park characteristics and integrating management experience into financing solutions [2]

Financial Overview - As of the end of March 2023, the total assets of the banking sector under the Shenzhen Financial Regulatory Bureau reached 13.87 trillion yuan, with total loans at 9.79 trillion yuan and total deposits at 10.21 trillion yuan [1] - Insurance institutions in Shenzhen reported premium income of 63.972 billion yuan in Q1 2023, marking a year-on-year increase of 4.4% [1] Support for Small and Micro Enterprises - The total loan balance for small and micro enterprises in Shenzhen reached 2.93 trillion yuan by the end of March 2023, reflecting a year-on-year growth of 5.8%, with inclusive loans amounting to 1.91 trillion yuan, up 7.3% [1] - China Construction Bank's Shenzhen branch reported an inclusive finance loan balance of 357.7 billion yuan, serving 104,000 clients and cumulatively providing over 900 billion yuan in inclusive loans over the past five years [2] - Bank of China’s Shenzhen branch achieved an inclusive finance loan balance exceeding 180 billion yuan, with a year-to-date increase of over 10 billion yuan, and served 57,200 clients, doubling the number over the past three years [2] Financial Services for Industrial Parks - Industrial and Commercial Bank of China’s Shenzhen branch has developed a financial service system for industrial parks, providing tailored financing solutions and standard inclusive products, serving over 1,700 small and micro enterprises with a total credit amount exceeding 8 billion yuan [3] - The "Park Loan" product has specifically supported over 300 small enterprises in industrial parks with a credit amount exceeding 1.5 billion yuan [3] Support for Foreign Trade Enterprises - China Export & Credit Insurance Corporation's Shenzhen branch has provided comprehensive insurance services to over 89,000 small and micro foreign trade enterprises since 2020, covering an export scale of 127.4 billion dollars [4] - The branch has efficiently handled 423 claims, with compensation and recovery exceeding 180 million yuan, contributing to employment generation [4] Inclusive Insurance Initiatives - China Life Insurance's Shenzhen branch launched the "Shenzhen Huimin Insurance" project in May 2023, maintaining a low premium of 88 yuan and covering a wide range of conditions, with nearly 230,000 claims processed by the end of March 2023 [5] - The insurance program has catered to individuals of all ages, with the oldest claimant being 103 years old and the youngest being a one-month-old infant [5]