战略赋能，勾勒"金融+"生态新图景。该项目的成功落地，是各方聚焦外籍游客核心需求、以数字人民 币支付为核心突破点的创新实践，充分彰显了金融服务与文旅发展的双向赋能。 记者注意到，这一创新并非孤立之举。近年来，在人民银行深圳市分行的指导下，农行深圳分行全力推 动数字人民币各项创新与试点工作。从在预付式经营领域推广数字人民币以解决"退款难、举证难、追 偿难"的民生痛点，到探索央行数字货币桥在跨境支付中的应用，与香港地区银行、供应链企业合作开 展货物贸易项下的数字人民币跨境交易，再到联合太平财产保险落地数字人民币车险实名支付业务，实 现了"保单录入-实名验证-数币支付"的全链条贯通……该行多措并举助推数字人民币试点工作向纵深发 展。AI城市旅行卡数字人民币硬钱包的发布，是农行深圳分行数字人民币创新之路上的又一里程碑， 标志着其应用场景从民生、跨境进一步拓展至智慧城市与国际文旅服务领域。 "科技+普惠"双翼齐飞 诠释金融服务实体经济本色 在中国人民银行深圳市分行和深圳市文化广电旅游体育局的统一指导下，金博会开幕当天，农行深圳分 行联合加推科技，发布了"深圳AI城市旅行卡数字人民币硬钱包"项目。这项集"AI+文旅+金融 ...

Core Insights - The 19th Shenzhen International Financial Expo showcased the theme of "Global Industrial Financial Center," with an exhibition area of 15,000 square meters and participation from 288 institutions worldwide [2] - Agricultural Bank of China Shenzhen Branch highlighted its dual focus on "Technology Finance + Inclusive Finance," launching the "Shenzhen AI City Travel Card Digital RMB Hard Wallet" as a key product [2][3] Group 1: Product Launch and Features - The "Shenzhen AI City Travel Card" integrates AI, cultural tourism, and finance, addressing key needs of foreign tourists in Shenzhen [3] - The card offers comprehensive services including information on natural attractions, dining, shopping, and tax refund guidance, along with real-time translation for 145 languages [3][4] - The digital RMB hard wallet feature allows foreign visitors to easily obtain and recharge the card using foreign currency or overseas bank cards, enhancing payment convenience [4] Group 2: Strategic Initiatives and Financial Services - The project represents a significant advancement in the application of digital RMB, aligning with national goals to improve payment convenience for foreign visitors [4] - Agricultural Bank of China Shenzhen Branch has been actively promoting digital RMB innovations, including applications in cross-border payments and insurance [5] - The bank's initiatives in technology finance have led to over 13,000 technology enterprises served, with a loan growth rate exceeding 40% [7] Group 3: Inclusive Finance and Community Engagement - The bank showcased products like "Industry Chain Loan" and "Park e-Loan" to support small and micro enterprises, with a small business loan balance exceeding 1.4 trillion yuan [8][9] - The bank has engaged in community outreach through events like "惠企万里行" to connect with businesses and provide tailored financial services [9] - The bank's commitment to agricultural finance was highlighted through innovative applications of digital RMB in agricultural scenarios [9] Group 4: Future Outlook - The expo served as a platform for the bank to communicate its strategic direction focused on technological innovation and service to the real economy [10] - The bank aims to enhance financial supply and service experience, contributing to Shenzhen's development as a global industrial financial center [10]

金博会现场，工行深圳市分行的展台前人头攒动。 工行深圳市分行展位部分产品展示。 在科技金融展区，观众的目光聚焦在一架外骨骼机器人上。碳纤维材质的机器人正在帮助体验者尝试各 类动作，整体显得尤为轻盈。这项产品正是来自深圳市肯綮科技有限公司，其已经是国内外骨骼机器人 四大头部厂商，展出的量产型号"π"外骨骼已经在泰山、黄山等景区规模运营。 在企业发展的关键期，深圳工行给予全方位的金融支持，帮助其实现技术转化落地、扩大生产规模、加 强市场推广，进而完成产品的规模化销售和品牌知名度的提升。 深圳是全国科技创新高地，在这里，每平方公里孕育着超12.5家国家级高新技术企业，PCT国际专利申 请量更是连续21年居全国首位。像肯綮科技这样的科技企业因"高技术、高成长、轻资产"的特性，往往 与银行传统信贷逻辑存在错位。如何破解科技企业的融资难题，为深圳城市发展持续注入鲜活动力？深 圳工行在活动现场展示了其在产品、机制、技术三方面的成果，全方位呈现适配科技企业发展的金融服 务体系。 市民在工行深圳市分行展位现场参与体验互动。 11月19日上午，第十九届深圳国际金融博览会(以下简称"金博会")在深圳会展中心(福田)开幕，本届金 博 ...

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].

"诚信兴商"银企融资对接活动工行专场。 近日，深圳市2025年"诚信兴商"银企融资对接活动工行专场顺利举行。本次活动由深圳市商务局主办， 中国工商银行深圳市分行(以下简称"工行深圳市分行")协办，吸引了来自全市各区的内外贸小微企业代 表参与。 作为深圳市响应中央健全社会信用体系、贯彻加快内外贸一体化协同发展的重要举措，此次活动聚焦跨 境出口、民生消费等重点行业，通过"银政企"协同联动的新模式，旨在为市场主体稳订单、拓市场、促 转型注入新的金融动能，进一步弘扬"诚信兴商、利企惠民"的营商理念，助力实体经济高质量发展。 深圳市商务局相关负责人出席活动并作致辞及政策宣讲，指出开展"诚信兴商"活动，是优化营商环境、 激发市场活力的关键举措。本年度活动将重点从三方面着力：一是扩大"诚信兴商"系列活动影响力，推 动诚信兴商宣传走深走实。二是助力营造"诚信受益"的社会氛围，推动金融机构加大对诚信企业支持力 工行深圳市分行普惠金融事业部产品专家分享了工行为商贸小微企业打造的经营快贷等专属普惠金融产 品。 度。三是推动商务信用体系建设高质量发展。以信用促进流通和金融高效衔接，发挥信用建设在扩大国 内需求方面的积极作用。 活动现 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) Zaozhuang Branch has successfully increased its corporate loan balance to 20.174 billion yuan, marking a historic milestone and a 26.92 million yuan increase since the beginning of the year, leading the region in both total and incremental loan growth [1] Group 1: Financial Services and Economic Development - The bank aligns its operations with the strategic requirements of Zaozhuang's "Strong Industry and Revitalize Production" initiative, integrating financial services into local development [1][2] - As of September, the inclusive finance loan balance reached 5.79 billion yuan, reflecting a growth of 1.27 billion yuan and a 28.17% increase since the start of the year [2] - The bank has established a specialized team to support technology-driven enterprises, issuing over 490 million yuan in "Science and Technology Credit Loans" to 79 tech firms [2] Group 2: Support for Key Projects and Industries - The bank has developed a targeted credit direction based on the "6+3" modern industrial system, focusing on major projects and key enterprises [3] - It has provided over 3 billion yuan in loans for significant projects, with project loans accounting for 57% of the total loan balance [3] - The manufacturing loan balance surpassed 7 billion yuan, with a net increase of 1.88 billion yuan since the beginning of the year, emphasizing support for advanced manufacturing sectors [4] Group 3: Inclusive Finance and Rural Revitalization - The bank has launched innovative digital agricultural finance products, including the "Pomegranate Loan," to support the local agricultural sector, providing over 60 million yuan in loans to small enterprises and farmers in the pomegranate industry [5] - The agricultural loan balance reached 10.4 billion yuan, with a growth of 1.726 billion yuan since the start of the year, demonstrating a commitment to rural revitalization [5] - Inclusive agricultural loans totaled 1.921 billion yuan, reflecting a growth of 581 million yuan, supporting various agricultural activities [5]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Zaozhuang Branch has achieved record highs in inclusive loan balances and increments, with a total inclusive loan balance of 5.809 billion yuan as of the end of Q3 2025, representing an increase of 1.285 billion yuan and a growth rate of 28.4%, surpassing the overall loan growth rate by 19.48 percentage points [1] Group 1: Strategic Development - The Zaozhuang Branch prioritizes inclusive finance as a key aspect of its political and social responsibilities, aligning with national goals and its own high-quality development [1] - The branch's leadership has elevated inclusive finance to a core strategic position, focusing on top-level design, clear development goals, and resource allocation to ensure effective support for small and micro enterprises [1] Group 2: Mechanism Innovation - The branch is enhancing its inclusive financial service system by implementing a "branch + inclusive" operational model, strengthening the team of inclusive finance specialists, and facilitating collaboration between customer managers and branches [2] - The implementation of the provincial inclusive finance expansion project "321" aims to customize outreach plans based on branch positioning and surrounding resources, improving service efficiency [2] Group 3: Product Development - The Zaozhuang Branch has diversified its inclusive credit products in response to market demand, providing 527 million yuan in "Science and Innovation Loans" to 78 technology enterprises and supporting 136 enterprises in industrial parks with 368 million yuan in "Park Loans" [3] - The branch has also innovated digital agricultural inclusive products, such as the "Pomegranate Loan," which has provided over 65 million yuan in credit to 59 small enterprises and farmers in the pomegranate industry [3] - Future plans include enhancing service quality, increasing loan disbursement, and maintaining risk management to further advance inclusive finance initiatives [3]

Core Viewpoint - The launch of "Park Loan 2.0" aims to enhance financial support for small and micro enterprises in Shenzhen, addressing long-standing financing challenges through a collaborative model involving government, banks, and industry parks [4][6][12]. Group 1: Overview of "Park Loan 2.0" - "Park Loan 2.0" was introduced to provide a comprehensive financial service ecosystem for small and micro enterprises, particularly in industrial parks, by integrating resources from government, banks, and other stakeholders [8][13]. - The initiative has already seen over 115 billion yuan in credit issued to pilot enterprises, demonstrating the viability of the "park finance" model [7][10]. Group 2: Mechanisms and Innovations - The program employs a "government-park-bank-guarantee" collaborative framework to facilitate information sharing and resource integration, which helps mitigate risks and improve access to financing for small businesses [12][13]. - The upgraded version includes a dedicated "Park Loan" officer mechanism and a regular monitoring system to ensure effective implementation and support for enterprises [9][11]. Group 3: Financial Products and Services - Financial institutions, such as the Industrial and Commercial Bank of China, are offering standardized loan products like "Park e-loan," providing up to 10 million yuan in unsecured loans to eligible small enterprises [10][11]. - The program emphasizes data empowerment and technology integration, allowing banks to create precise profiles of enterprises based on shared data, thus enhancing credit assessment processes [8][11]. Group 4: Economic Impact and Future Outlook - Small and micro enterprises contribute approximately 50% of Shenzhen's GDP, making their financial health crucial for the city's economic development [6][14]. - The initiative is expected to expand its reach, further promoting inclusive financial services and supporting the high-quality development of Shenzhen's economy [15].

Core Viewpoint - The "Park Loan 2.0" initiative aims to address the financing difficulties faced by small and micro enterprises in Shenzhen through a collaborative mechanism involving government, parks, banks, and guarantees, enhancing the financial ecosystem for these businesses [2][4][6]. Group 1: Financing Challenges - Shenzhen hosts over 2.7 million small and medium-sized enterprises (SMEs), contributing approximately 50% of the city's GDP, highlighting their critical role in economic development [2]. - Traditional financing models have led to significant information asymmetry, making it difficult for small enterprises to meet bank lending criteria due to a lack of sufficient collateral [2]. - The "Park Loan" initiative is a response to the persistent challenges of financing for SMEs, which directly impacts the healthy development of Shenzhen's economy and the practice of inclusive finance [2]. Group 2: Park Loan 2.0 Implementation - The initiative was launched in July 2024, with 11 banks and 10 small and micro enterprise innovation demonstration bases selected for the pilot program, facilitating information exchange and resource integration [2]. - As of now, the pilot banks have granted a cumulative credit amount exceeding 11.5 billion yuan to enterprises within the pilot parks, demonstrating the viability of the "Park Financial" model [2]. Group 3: Bank Participation and Innovations - The Industrial and Commercial Bank of China (ICBC) Shenzhen branch has provided over 13 billion yuan in credit to more than 2,700 enterprises, with 6.6 billion yuan allocated to specialized and innovative high-tech enterprises [3]. - ICBC has developed a comprehensive financial service plan that includes standardized loan products, AI-driven financial advisory services, and a digital financial alliance to enhance service delivery [3][4]. Group 4: Mechanism and Service Enhancements - "Park Loan 2.0" represents a comprehensive upgrade in service philosophy, working mechanisms, and system efficiency, emphasizing a collaborative model that enhances risk-sharing and service coverage [4][5]. - The initiative aims to break down data silos by integrating data from government, parks, and banks, transforming fragmented data into quantifiable financial assets for precise enterprise profiling [5][6]. Group 5: Future Outlook - Shenzhen plans to expand the "Park Loan 2.0" model further, enhancing the precision, efficiency, and quality of financial services for small and micro enterprises, thereby fostering high-quality economic development [7].

Core Insights - The article highlights the proactive role of the Industrial and Commercial Bank of China (ICBC) Shenzhen Branch in supporting technology-driven enterprises, emphasizing its commitment to inclusive finance and innovation in financial services [1][9]. Group 1: Mechanism and Policy - ICBC Shenzhen Branch integrates into local government networks for small and micro financing, facilitating efficient financing services through initiatives like "thousand enterprises and ten thousand households visits" [2]. - The bank recognizes the challenges faced by small and micro technology enterprises, particularly in funding shortages, and elevates the service to a strategic level to ensure precise implementation of inclusive finance policies [1][2]. Group 2: Product Innovation - The bank has developed a range of tailored financial products, including "Park e-loan" and "Xingke loan," to meet the unique needs of technology enterprises characterized by light assets and high growth [3][4]. - A specific case is highlighted where a technology company benefited from a 10 million yuan loan through the "Park e-loan" product, showcasing the bank's efficiency in addressing short-term funding pressures [3]. Group 3: Digital Empowerment - ICBC Shenzhen Branch focuses on digital transformation to enhance the efficiency and experience of inclusive financial services, employing AI and other technologies to streamline processes [4][5]. - The bank has implemented a unified intelligent marketing portal, significantly reducing the time required for loan approvals and enhancing service delivery for over 3,000 small enterprises [5]. Group 4: Long-term Partnership - The bank emphasizes a long-term partnership approach, illustrated by its ongoing support for a technology company since 2010, which has led to significant growth and recognition as a national-level "little giant" enterprise [7]. - The bank's commitment to supporting rural revitalization is also noted, with specific initiatives aimed at enhancing agricultural innovation and market expansion [8]. Group 5: Future Outlook - Looking ahead, ICBC Shenzhen Branch aims to deepen its integration into the national innovation system, continuously enriching its inclusive finance offerings and expanding its service boundaries to foster technological innovation in the Greater Bay Area [9].