Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Hezhou Branch emphasizes its commitment to serving the real economy, enhancing financial service quality, and supporting regional economic development through innovative service models and optimized resource allocation [1][2][3] Group 1: Financial Service Network - The bank has established a comprehensive financial service network covering urban core areas and key towns, with 12 service outlets strategically located in commercial centers, transportation hubs, and residential areas [1] - Seven inclusive finance service points have achieved 100% business activity, ensuring convenient access to basic financial services for local communities [1] Group 2: Support for Industrial Transformation - The bank has provided significant financing support for key projects, including a loan of 50.61 million yuan for a green energy wind power project and 14.08 million yuan for transportation infrastructure [2] - The loan balance for specialized and innovative enterprises reached 68.8 million yuan, with a coverage rate of 30.77% as of July 2025 [2] - The bank has enhanced its service offerings by increasing the credit limit for "Industrial e-loans" to over 3 million yuan and utilizing a "credit + collateral" approach to support enterprise transformation [2] Group 3: Rural Revitalization and County Development - The bank has deepened its financial support for the livelihood sector through specialized products like "Calcium Carbonate Green Loans" and "Planting e-loans," effectively empowering key areas such as agriculture, logistics, and tourism [3] - As of July 2025, inclusive loans increased by 19.3 million yuan, with a growth rate of 15.5%, surpassing the average growth rate of all loans [3] - The bank actively engages in community outreach initiatives to enhance financial services at the grassroots level, promoting financial inclusion and supporting local development [3]

拓展普惠金融覆盖。该行将支持普惠金融作为服务民生、支持实体经济的有力突破点，充分发挥普惠金 融服务下沉和网点阵地营销作用，推广供应链金融，赋能产业链上下游小微企业。打造"一县一特色"方 案和集群e贷场景，扩大对小微企业、个体工商户、涉农客户的普惠金融支持覆盖面，新增普惠贷款 3.25亿元。 转自：新华财经 今年以来，工行梧州分行深入践行金融工作的政治性、人民性，通过加大科技型贷款投放、支持绿色产 业发展、拓展普惠金融覆盖、协同推进养老金融和数字金融创新等措施，持续发力写好服务金融"五篇 大文章"。 加大科技型企业贷款投放。该行将支持科技金融作为服务科技创新、助力新质生产力发展的重要切入 点，围绕当地经济和产业发展特点，主动对接各经济园区和科技创新企业，优化"科创e贷""工业e贷"等 产品运用，加大对先进制造业、科创企业、专精特新小巨人企业等贷款支持，新增专精特新贷款3.69亿 元。 支持绿色产业发展。该行将支持绿色金融作为服务国家战略、推动经济可持续发展的重要支撑点，聚焦 国家绿色环保政策，围绕新能源、生态环保、绿色制造等产业，推进对企业传统产业技术改造、节能环 保等融资需求，及时做好贷款前提条件落实，促进绿 ...

Group 1 - The core viewpoint of the articles emphasizes the commitment of the Industrial and Commercial Bank of China (ICBC) Wuzhou Branch to enhance financial support for private enterprises, aligning with local industrial development and improving service quality [1][2] - As of July 2025, the loan balance for private enterprises at ICBC Wuzhou Branch increased by 250 million yuan compared to the beginning of the year [1] - The bank has established a target list for private enterprises and is focusing on key customer groups such as high-tech enterprises, specialized and innovative enterprises, strategic emerging industries, and advanced manufacturing enterprises to promote substantial loan disbursement [1] Group 2 - ICBC Wuzhou Branch has implemented a financial support model for private enterprise development, conducting various activities such as "entering parks to benefit enterprises" and "visiting thousands of enterprises" to enhance information sharing and project matching with government departments and industry associations [1] - The bank has formed dedicated service teams to analyze the operational conditions of private enterprises, optimize their financial structures, and reduce financing costs through tailored services [2] - Various credit products such as "Industrial e-loan," "Transaction e-loan," and cross-border loans have been selected to meet the specific needs of private enterprises, improving financing efficiency and providing additional services like settlement and foreign exchange [2]

Group 1 - The core viewpoint of the articles emphasizes the proactive measures taken by the Industrial and Commercial Bank of China (ICBC) Yulin Branch to enhance financial services for small and micro enterprises, aligning with national strategies and contributing to local economic development [1][2] Group 2 - As of July 2025, ICBC Yulin Branch has issued over 3.5 billion yuan in inclusive loans, significantly supporting the high-quality development of the local real economy [1] - The bank has introduced innovative financing products such as "Purchase and Construction Loan," "Industrial e-Loan," and "Business Quick Loan," targeting small and micro enterprises in key industrial parks, benefiting over 200 enterprises [1] - The bank has established 12 "Xingnongtong" rural inclusive financial service points in various towns, allowing farmers and operators to access efficient financial services without leaving their villages [2] - The bank has developed specialized agricultural credit products like "Xingnong e-Loan," "Planting e-Loan," and "Breeding e-Loan" to meet the diverse financing needs of local agricultural industries [2] - As of July 2025, the bank has issued nearly 60 million yuan in loans to small and micro enterprises under the "Yushang Return" initiative, reflecting strong collaboration with local government and enterprises [2]

落实惠企政策，助力企业成长。该行客户经理主动上门开展惠企政策宣讲，确保点对点、面对面精准推 送到位。一是对经营困难的小微企业，采取不抽贷、不断贷、不压贷原则，合理运用续贷政策；二是对 正常经营贷款到期的小微企业，调研确认意向后，提前做好续贷准备工作，确保资金支持连续性；三是 落实落细"惠企贷"金融惠企贴息政策，积极宣传种类丰富、利率优惠、手续便捷等优点，着力减轻园区 小微企业的融资负担，推动小微企业稳健发展。（梁发军） 编辑：赵鼎 创新融资产品，精准服务企业。该行外拓营销团队积极深入玉林高新技术开发区、玉柴工业园区、福绵 环保园区、陆川产业园区等7个重点园区进行全覆盖摸排，通过对企业生产经营规模、负债情况、融资 需求等方面的综合分析，从中找出优质客户，有针对性地开展园区融资场景创新产品推广：针对新建园 区及入园企业购置机器设备、建造厂房等需求，重点推广"购建贷"产品，延长还款周期，适配企业投资 回收期，有效缓解初创期资金压力；面向成熟园区企业，大力推广线上化、便捷化循环贷款产品"工业e 贷"，随借随还优势显著降低融资成本；对缺乏足额抵押物的企业，积极运用"经营快贷"等小额信用贷 款产品，或引入政策性融资担保公 ...

深化政银企合作，共促"玉商回归"。该行在推动"玉商回归"工作中不断完善金融服务体系，积极与政府 部门、企业建立紧密的合作关系。2025年4月，该行与玉林市委统战部续签战略合作协议，同时对"工业 e贷""新一代经营快贷""链群交易e贷""集群商户e贷"等特色区域创新产品进行重点宣传推介，吸引众多 企业关注。同时，该行积极参与玉林市政府组织的各类座谈会、研讨会，与市、县两级政府部门建立了 常态化的沟通机制，及时了解"玉商回归"的最新政策和市场需求，还与玉林市工商联、行业协会等机构 建立良好的合作关系，共同推动"玉商回归"工作的深入开展。（梁发军） 编辑：赵鼎 工行玉林分行紧紧围绕玉林市委、市政府"玉商回归"工作部署，以服务地方经济社会发展为己任，积极 创新金融产品和服务方式，加强政银企合作，为"玉商回归"提供强有力的金融支持，截至2025年7月 末，该行为"玉商回归"小微企业发放贷款近5000万元，为地方经济高质量发展注入金融动能。 创新金融产品，精准发力支持信贷投放。"玉商回归"是玉林市推动经济社会高质量发展的重要战略，该 行深化认识，提高站位，不断创新特色区域金融产品，为企业提供全方位的信贷支持。该行派出营销 ...

从"一张专利证书"到"千万融资额度"，实现了从"知产"到金融资源的转化。"这笔贷款不仅解决了我们 的燃眉之急，更让我们看到知识产权的真正价值。"企业负责人开心地表示。 近年来，中国工商银行百色分行加大科创行业普惠贷款资源投入，大力推广"科创e贷""工业e贷"等区域 特色产品，以金融创新激活知识产权经济价值，逐步由"资金供应商"转型为企业"成长合伙人"。截至 2025年6月末，该行"专精特新"中小企业贷款余额1.3亿元，较年初增长0.36亿元，增幅达37.52%。下一 步，该行将扩大专利质押融资覆盖面，重点支持新能源、新材料等百色主导产业，为区域构建现代化产 业体系注入金融力量。（方潇） 编辑：赵鼎 转自：新华财经 近期，中国工商银行百色分行为百色某制造业科技公司发放贷款1000万元。本次融资以企业核心专利为 质押增信，结合信用贷款模式，为科技型中小企业开辟了低成本、高效率的融资新路径。 该科技公司为广西2024年第二第三批专精特新、科创企业，主营铝合金导杆（线）、电线电缆、电力设 备的生产销售，产品中含有纳米材料的耐辐照电缆已申请发明专利证书。企业因应收账款周期长导致备 货资金压力较大。工行百色分行主动对接企 ...

织密服务网络，摸清需求底数。为打通金融服务"最后一公里"，该行组建了专业走访团队，聚焦制造 业、批发零售业、建筑业、餐饮业等县域特色行业，深入工业园区、商业街区、乡镇集市，对小微企业 和个体工商户开展走访。走访过程中，工作人员详细记录企业经营状况、资金需求及发展痛点，建立融 资需求台账，确保精准对接，针对走访中发现的企业资金周转难题，快速制定金融服务方案，高效完成 贷款投放，切实解决企业燃眉之急。今年以来该行已走访经营主体995户，除了对接企业的融资需求以 外，还给企业宣传征信、民法相关知识，引导企业规范资金借贷行为，保护征信信息，筑牢良好的信用 基础。 聚焦小微个体，激活发展动能。该行针对个体工商户规模小、抵押物不足的特点，重点推介经营快贷、 助商贷等信用贷款产品，额度灵活，放款高效，可循环使用，为个体工商户提供短平快的经营资金；针 对小微企业，立足特色经济，对当地政府重点支持的铝压延加工、木材加工等支柱产业，根据企业不同 的情况，选择一般流贷、工业e贷等融资产品匹配企业需求，对于大额的资金需求通过企业有效资产抵 质押、引入担保公司担保等增信方式提升融资额度，为企业提供稳定资金支持，保障企业生产经营连续 性 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Hezhou Branch is actively supporting the development of small and micro enterprises through targeted financial services, achieving significant growth in inclusive loans and enhancing the vitality of the real economy [1][5]. Group 1: Financial Support and Growth Metrics - As of May 2025, ICBC Hezhou Branch's inclusive loan balance reached nearly 1.4 billion yuan, with an increase of 141 million yuan, representing a growth rate of 11.32% [1]. - The branch has served 840 inclusive loan clients, with 76 new clients added [1]. - The inclusive loan balance for the calcium carbonate industry exceeded 530 million yuan, with an annual increase of 100 million yuan, reflecting a year-on-year growth of 41% [3]. Group 2: Tailored Financial Solutions - A specialized financial service team identified funding gaps for a local calcium carbonate manufacturer and arranged a customized financing solution, approving a credit loan of 10 million yuan within just 7 working days [2]. - The loan was structured to reduce financial costs by nearly 200,000 yuan through a rate reduction of 150 basis points below the benchmark [2]. - The bank also facilitated a seamless transition for the company by offering a "no repayment renewal loan" at the time of the loan's maturity, aligning with the company's production line launch [2]. Group 3: Policy Implementation and Strategic Support - ICBC Hezhou Branch has processed 767 loan renewals for small and micro enterprises over the past three years, totaling 1.1 billion yuan [5]. - The branch has actively implemented national policies to support small enterprises, issuing 597 "Guihui Loans" amounting to 1.3 billion yuan since the policy's inception [5]. - The bank's inclusive, agricultural, and private enterprise loans increased by 141 million yuan, 30 million yuan, and 96 million yuan respectively, with growth rates of 11.32%, 7.87%, and 1.55%, all exceeding the average loan growth rate [6].

Group 1: Core Insights - The Industrial and Commercial Bank of China (ICBC) Guangxi Branch is actively promoting inclusive finance, focusing on four key areas: industry, agriculture, commerce, and technology [1][2] - As of March 2025, the inclusive loan balance of ICBC Guangxi Branch reached nearly 50 billion yuan, with an average annual growth rate of 48% over the past three years [1] - The "Cluster Merchant e-loan" product has been launched to address the financing needs of small and micro enterprises, with a loan balance exceeding 2.5 billion yuan within a year [1][3] Group 2: Support for Small and Micro Enterprises - ICBC Guangxi Branch signed a 10 billion yuan credit intention agreement with the Guangxi Individual Laborers and Private Enterprises Association to support individual businesses [2] - The bank is implementing various initiatives to enhance financial support for small and micro enterprises, including the "Three-in-One" service package for merchants [2] Group 3: Regional Economic Development - The Yulin City, known as the "Southern Country Fragrance Capital," is the largest spice raw material production and distribution center in China, with an annual trading volume exceeding 30 billion yuan [3] - ICBC Yulin Branch has provided over 200 million yuan in "Cluster Merchant e-loans" to 137 spice merchants, addressing their financing challenges [3] Group 4: Specific Industry Support - In the Hechi City Yizhou District, the local silk industry faces significant cash flow challenges, with collection stations needing to pay farmers up to 700,000 yuan daily [5] - ICBC Guangxi Branch has introduced a tailored "Silk Purchase Cluster Merchant e-loan" to support the financing needs of silk collection stations, providing 130 million yuan to 35 stations as of March 2025 [5][6]