通讯员 宋开峰 德州报道 从手机银行月活用户突破百万的线上服务主阵地,到智慧校园、农业产业链等场景生态的深度渗透；从 RPA机器人替代人工的运营效率革命,到"人机协同"风控体系筑牢资金安全防线……在数字经济浪潮奔涌 向前的时代背景下,工行德州分行以"数字金融"为经纬,在德州大地上编织起一张覆盖城乡、链接产业、 服务民生的立体化"金融网"。 苦练内功 坚实自身,推动数字金融腾飞 打铁还需自身硬,工行德州分行深谙这一道理,苦练内功,为数字金融发展筑牢根基。 李梦晴 了解到企业融资需求后,工行德州宁津支行客户经理上门拜访,为企业量身推荐"产业e贷"融资方案。从整 理资料到资金到账,仅用不到两天时间,如今,新生产线已启动调试,该笔跨境订单正按计划赶工。 面对市场变化与客户需求升级,工行德州分行专注金融产品创新,针对产业集群痛点,推出线上标准化产品 矩阵,如"小微e贷""园区e贷""产业e贷",利用大数据风控实现"秒批秒贷",有效满足企业多元化融资需求。 这些创新产品如同"毛细血管",渗透到德州各大产业园区的每个环节。据了解,截至8月末,工行德州分行 通过"园区e贷""产业e贷",向全市2个国家级园区、11个省级园区共 ...

Group 1 - The core viewpoint emphasizes the importance of inclusive finance as a key requirement from the Central Financial Work Conference, impacting both small and micro enterprises and the well-being of the populace [1] - The People's Bank of China reported that by the end of Q2 2025, the balance of inclusive micro loans reached 35.57 trillion yuan, with a year-on-year growth of 12.3%, outpacing the growth of other loans by 5.2 percentage points [1] - Agricultural Bank of China (ABC) Beijing Branch has significantly enhanced its inclusive finance services, achieving a balance of inclusive loans exceeding 50 billion yuan and a historical high annual increment of over 10 billion yuan as of June this year [1] Group 2 - A new financing coordination mechanism for small and micro enterprises was established in October 2024, aiming to facilitate direct and efficient access to bank credit for these businesses [2] - As of June 2025, over 90 million small business owners were visited under this mechanism, resulting in new credit issuance of 23.6 trillion yuan and new loans of 17.8 trillion yuan, with 32.8% being credit loans [2] Group 3 - ABC Beijing Branch actively engaged in the financing coordination mechanism, forming a dedicated task force and launching a "thousand enterprises, ten thousand households" outreach initiative [3] - The bank organized a "Credit Easy Access" event to inform enterprises about government policies and ABC's loan products, providing tailored financial solutions to address their financing challenges [3] Group 4 - A small enterprise in Huairou District faced a funding crisis due to insufficient collateral for a large payment, highlighting the challenges small businesses encounter [4] - ABC Beijing Branch utilized the financing coordination mechanism to identify the enterprise's funding issues and provided a tailored credit product, "Jingxi Changrong," which does not require collateral [5] Group 5 - The bank expedited the approval process, granting a credit limit of 3 million yuan and successfully disbursing 500,000 yuan to the enterprise for its urgent payment needs [6] - ABC Beijing Branch has developed a diverse range of online products, including "Micro Quick Loan," "Mortgage e-Loan," and "Chain Quick Loan," to better serve small enterprises [6] Group 6 - A technology enterprise in Fengtai District, established over 20 years ago, faced funding pressures due to business expansion, prompting ABC Beijing Branch to offer a customized financing solution [7] - The bank employed a combined online and offline marketing service model to assess the enterprise's needs and provide a suitable financing plan, ultimately matching them with the "Kejie Loan" [7][8] Group 7 - The successful implementation of the "Kejie Loan" has been well-received by the enterprise, which expressed interest in further collaboration with ABC [8] - ABC Beijing Branch aims to leverage this success to offer comprehensive and personalized financial solutions to more technology-driven enterprises, contributing to high-quality financial development in the capital [8]

Core Viewpoint - Agricultural Bank of China is actively supporting the agricultural sector in Inner Mongolia's Xingan League through various financial products and services, significantly boosting local agricultural production and economic development [1][2][4]. Group 1: Agricultural Credit Support - The Agricultural Bank of Xingan League has invested a total of 6.976 billion yuan in agricultural loans in the first half of the year, with a loan balance of 14.244 billion yuan, an increase of 2.241 billion yuan from the beginning of the year, representing a growth rate of 18.67% [2]. - The bank has focused on the entire agricultural industry chain, promoting products like "Nongyin e-loan" and "Huinong e-loan," with a total of 6.202 billion yuan allocated to agricultural entities, benefiting 68,100 households [2][3]. Group 2: Credit Loan Innovations - The bank has introduced innovative credit loan products such as "Smart Livestock Loan" and "Grain Storage Loan," utilizing collateral methods like livestock and grain inventory to alleviate guarantee difficulties for agricultural operators [3]. - In the first half of 2025, the bank provided 6.218 billion yuan in credit loans to agricultural entities, with a loan balance reaching 9.461 billion yuan, an increase of 1.922 billion yuan from the beginning of the year [3]. Group 3: Financial Supply for Key Agricultural Products - The bank has conducted a "Thousand Enterprises, Ten Thousand Households" outreach initiative to strengthen financial support for key agricultural enterprises, ensuring the financial supply for important agricultural products [4]. - As of June 2025, the bank's county-level loan balance reached 23.912 billion yuan, with significant increases in loans for grain (6.431 billion yuan), rural industries (11.439 billion yuan), and agricultural loans (10.106 billion yuan) [4]. Group 4: Financial Services for Farmers - The bank has established over 30 mobile service teams to provide credit loans directly to farmers, adapting repayment methods to align with agricultural production cycles [5]. - New products like "Huinong e-loan Merchant Loan" and "Huinong e-loan Rural Tourism Loan" have been launched, with individual credit limits up to 2 million yuan, supporting various agricultural clients [6]. Group 5: Overall Loan Performance - In the first half of the year, the bank issued a total of 10.923 billion yuan in various entity loans, with an overall loan balance of 23.001 billion yuan, an increase of 2.920 billion yuan from the beginning of the year [6].

Core Viewpoint - Gansu Bank focuses on serving local economies, rural development, small and medium enterprises, and urban residents, emphasizing inclusive finance practices to support high-quality development [1] Group 1: Financing Solutions for Small Enterprises - Gansu Bank addresses the financing challenges faced by small and micro enterprises by accelerating its digital transformation and offering innovative products and efficient services [2] - The bank has provided over 9 billion yuan in credit support to 34,000 small micro clients, with an average new loan interest rate decreasing by 33 basis points since the beginning of the year [2] - Gansu Bank has introduced a "merchant loan" product to support individual businesses, allowing for online applications and disbursement within 30 minutes [2] Group 2: Rural Economic Activation - Gansu Bank aims to activate county economies by integrating credit policies with local industry policies, promoting a "thousand billion agricultural project" blueprint [4] - The bank has launched exclusive products like "Huinong Quick Loan" to fill gaps in online agricultural credit offerings and enhance financial services for county economies [4] - The establishment of inclusive finance departments in 19 primary branches supports the bank's commitment to rural revitalization and inclusive finance [4] Group 3: Social Responsibility and Support - Gansu Bank provides financial assistance to vulnerable groups, including low-income individuals, the elderly, and disabled persons, ensuring financial services reach underserved areas [5] - The bank has implemented a pricing strategy to reduce interest rates on existing high-rate products, benefiting over 13,602 enterprises and individuals with interest reductions totaling 26.238 million yuan [5] - In 2024, Gansu Bank applied for 4.539 billion yuan in low-cost funds to support over 1,600 small enterprises, contributing to job stability and production expansion [6]

Core Insights - Agricultural Bank of China Ningxia Branch focuses on supporting small and micro enterprises financing as a key direction for inclusive finance [1] - The bank has established a comprehensive financing coordination mechanism, integrating it deeply with daily inclusive financial services [1] Group 1: Financing Achievements - As of the end of June, the bank has granted credit to 45,000 small and micro enterprises totaling 15.44 billion yuan, with loan disbursements reaching 14.95 billion yuan, leading in four major indicators among local banks [1] - The bank's inclusive loan balance reached 15.71 billion yuan, making it the only large commercial bank in the region with a loan balance exceeding 10 billion yuan [1] Group 2: Strategic Initiatives - The bank has set annual goals including "one leading, two breakthroughs, three stabilizations, four optimizations, and five enhancements" to promote inclusive finance [1] - The bank has conducted over 30 various connection activities involving banks, government, and enterprises to enhance collaboration [1] Group 3: Product and Service Innovations - The bank has improved its long-term mechanism for lending, providing 1.31 billion yuan in renewal financing to 2,374 small enterprises [2] - New products such as "Kejie Loan" for innovative enterprises have been launched, and a new business model combining "on-site + remote" services has been introduced [2] - The bank has implemented temporary interest rate discounts for key products, enhancing customer retention and marketing efforts [2]

Core Viewpoint - The "Nongqing Warm Domain" service brand by Agricultural Bank of China aims to enhance service quality and customer experience, particularly for vulnerable groups such as outdoor workers, the elderly, and those with mobility issues [1][2][5] Group 1: Service Environment Optimization - The Agricultural Bank of China has created a comfortable and welcoming service environment at its Jinan Shuangshan branch, featuring a "Nongqing Warm Domain" area equipped with amenities like drinking water, chargers, and emergency supplies [2] - The branch has implemented accessibility improvements, including barrier-free access and large print guides for elderly customers, ensuring that all clients can easily navigate the services [2][3] Group 2: Service Skills Enhancement - The branch focuses on continuous employee training to improve service efficiency and professionalism, conducting daily standardized service drills to enhance staff capabilities [3] - Employees are trained to communicate effectively with clients, particularly the elderly and those with lower literacy levels, ensuring that services are delivered in an understandable manner [3] Group 3: Extended Service Outreach - The branch actively extends its services into communities, conducting financial knowledge seminars and providing on-site services to enhance accessibility for local residents [4] - A dedicated financial service team is established to address the financing needs of local farmers and small businesses, facilitating loan applications directly at their locations [4] Group 4: Digital Transformation Achievements - The Agricultural Bank of China has successfully implemented digital solutions to streamline the account opening process, significantly reducing the time required for approvals and enhancing service efficiency [5] - The "Nongqing Warm Domain" brand represents a commitment to customer service, with plans for ongoing improvements to deepen its impact and recognition among clients [5]