做好普惠金融大文章是中央金融工作会议提出的明确要求。作为金融五篇大文章之一，普惠金融既事关 小微企业等经营主体的发展，也关乎民生福祉。 近年来，我国普惠金融发展取得长足进步，金融服务的普惠性不断提升，在支持国家战略、满足人民群 众日益增长的金融服务需求方面发挥了积极作用。中国人民银行公布的最新数据显示，截至2025年二季 度末，人民币普惠小微贷款余额35.57万亿元，同比增长12.3%，增速比各项贷款高5.2个百分点。 普惠金融的发展离不开银行业金融机构的助推。农业银行北京分行聚焦优化普惠领域产品服务供给，认 真落实农业银行总行党委决策部署，坚持"两个毫不动摇"，支持民营经济发展和普惠金融服务能力持续 增强，充分发挥了服务实体经济的主力军作用。 《金融时报》记者从农业银行北京分行了解到，截至今年6月末，该行普惠贷款余额突破500亿元，普惠 贷款年增量突破100亿元，创同期历史最高增幅。 推动小微企业融资协调机制落地落实 通过怀柔区协调机制专班，农业银行北京分行获取了这家企业存在短期资金周转问题这一关键信息。 在专班与农业银行北京分行详细了解企业经营状况、财务情况、市场前景等信息并充分沟通后，农业银 行北京分行 ...

转自：新华财经 甘肃银行认真落实小微企业融资协调工作主体责任，在全行积极开展"千企万户大走访"活动，主动为小 微企业、个体工商户纾困解难，通过构建常态化、长效化的政银企协同机制，依托申报清单、推荐清单 深化与园区、商圈、行业协会的战略合作，精准挖掘客户需求。 金融"造血"激活县域经济 甘肃银行立足县域农村产业资源禀赋，将乡村振兴作为普惠金融主战场，探索多元化、创新型的金融服 务模式，推动信贷政策与县域产业政策深度融合，以"千亿涉农工程"为蓝图，推进"一县一业一品"建 设，以金融"造血"激活县域经济。 甘肃银行结合金融资源优势，在"三农"方面，积极探索支持甘肃省供销系统新模式，打造"供销+金 融"为农服务新模式，推出"惠农快贷"等专属产品，进一步填补涉农信贷领域线上产品的空白，建立创 新产品动态评估与迭代优化机制，持续提升金融服务与县域经济的契合度，全力助推县域普惠小微贷款 提质增量。 在践行普惠金融的征程上，甘肃银行在组织机构方面进行了针对性调整。截至目前，甘肃银行在19家一 级分支机构成立普惠金融部和乡村振兴金融部，系统构建起全行支持普惠金融和乡村振兴的金融服务体 系与组织保障体系。 作为"甘肃人民自己的银 ...

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]