"我们想干事，可手里没本钱，传统贷款又要抵押，流程还繁琐！"雅安市汉源县的山谷间，6.5万亩甜樱桃树枝繁叶茂，晨露顺着鲜红的果实滴落，90后"新 农人"任先生蹲在果树旁，指着地里的灌溉管道讲述自己的经历。作为"中国甜樱桃之乡"，当地甜樱桃年市场价值超11亿元，但种植户普遍面临"融资慢、担 保难、成本高"的问题。工行雅安分行工作人员深入田间地头，摸清樱桃种植全链条资金需求后，创新推出"樱桃贷"。"真没想到3天就拿到了300万元贷 款！"任先生激动地说。有了资金支持，他升级了智能灌溉设备，拓宽了销售渠道，合作社年亩产值达10万元，带动周边200多户农户增收。如今，"樱桃 贷"已成为汉源甜樱桃产业的"致富贷"，让小樱桃串起了乡村振兴的大产业。 四川省凉山彝族自治州的果蔬种植基地里，一串串饱满多汁的葡萄被工人小心翼翼地打包装箱，即将搭乘冷链物流奔赴东南亚市场。作为当地重点培育的外 向型涉农企业，凉山州鑫亿农业开发有限公司构建了"生产+仓储+销售"一体化模式，却在拓展"一带一路"东南亚市场时陷入困境，由于订单账期拉长导致流 动资金周转承压，轻资产运营缺乏有效抵押物，传统融资产品难以匹配跨境时效要求。工行凉山分行在了解到 ...

Core Viewpoint - The Industrial and Commercial Bank of China Sichuan Branch has actively aligned its services with national strategies and local development during the 14th Five-Year Plan period, focusing on supporting the real economy, rural revitalization, technological innovation, and improving people's livelihoods [2] Group 1: Empowering the Real Economy - The bank has provided significant financial support to various industries, such as the meat processing company in Dazhou, which received a loan to upgrade equipment and expand production capacity, resulting in increased product shelf life and international sales [3] - In Mianyang, the bank supported a 200-year-old soy sauce company with a 160 million yuan project loan to build an intelligent production line, enhancing production efficiency and reducing financing costs [4] - Over the past five years, the bank has focused on six key industries in Sichuan, with manufacturing loans exceeding 120 billion yuan and loans to technology enterprises surpassing 80 billion yuan, achieving a financing coverage rate of nearly 60% for national-level specialized and innovative "little giant" enterprises [4] Group 2: Deepening Rural Revitalization - The bank has introduced innovative loan products like "Cherry Loan" to support cherry farmers in Yaan, providing 3 million yuan in loans that have significantly improved production and income for local farmers [5] - In Liangshan, the bank facilitated a 3 million yuan agricultural credit loan for a company exporting grapes to Southeast Asia, addressing seasonal funding shortages and enabling market expansion [6] - The bank's agricultural loan balance has exceeded 240 billion yuan, positioning it as a key player in rural revitalization efforts [7] Group 3: Technological Empowerment for Livelihood Improvement - The bank has implemented a smart dining solution in Yaan, allowing elderly residents to use facial recognition for meal subsidies, enhancing convenience and respect for their payment preferences [8] - The bank has supported the integration of high-frequency social security services across provinces, improving efficiency in payment processes for over 11 million elderly clients [10] - The bank's commitment to technological empowerment has led to the establishment of smart campuses and hospitals, facilitating efficient payment systems for education and healthcare [10] Group 4: International Engagement and Community Support - The bank has played a significant role in supporting international events in Chengdu, enhancing service levels for foreign guests and providing comprehensive financial services during major sports events [9] - The bank has engaged in community support initiatives, including purchasing local agricultural products and funding educational programs, demonstrating its commitment to social responsibility [7]

Core Viewpoint - The major state-owned banks in China have reported stable performance in Q3, with a focus on supporting high-quality development of the real economy through optimized credit allocation and increased lending in key sectors [1][2]. Group 1: Credit Allocation and Key Sectors - The overall trend in credit issuance for the year has been characterized by "total growth + structural optimization," with significant support directed towards inclusive small and micro enterprises, green development, and technological innovation [1][2]. - As of the end of Q3, the Agricultural Bank of China reported a balance of inclusive loans at 4.33 trillion yuan, with an increase of 731.1 billion yuan, while the balance of green loans reached 5.8 trillion yuan [2]. - The China Construction Bank's green loan balance stood at 5.89 trillion yuan, reflecting an 18.38% increase from the beginning of the year [2]. Group 2: Consumer Loans and Spending - There has been a notable increase in consumer loans, with the Industrial and Commercial Bank of China reporting a debit card transaction volume of 13.8 trillion yuan and credit card spending of 1.4 trillion yuan in the first three quarters [4]. - The China Bank's personal consumption loan balance grew by 26.11% year-on-year, reaching a significant increase in consumer spending [4][5]. - The Postal Savings Bank has implemented measures to boost consumption, resulting in a more than 10% year-on-year increase in loans for non-housing consumption [5]. Group 3: Digital Transformation and Future Outlook - Experts anticipate that the credit structure will continue to optimize, with a dual focus on consumption and inclusive finance, supporting stable growth in public enterprises and promoting domestic demand [6]. - The integration of digitalization in credit services is expected to enhance efficiency and precision in loan approvals, with the application of AI and big data technologies further reducing credit risks [7]. - Future credit allocations are likely to prioritize green, low-carbon, and digital economy sectors, aligning with national policy directions [6].

Core Viewpoint - The introduction of the "ICBC Card Code Pass" by Industrial and Commercial Bank of China (ICBC) aims to enhance the payment experience for foreign visitors in China, particularly during the 12th World Games held in Chengdu, showcasing the bank's commitment to facilitating convenient payment solutions for international guests [1][3]. Group 1: Product Overview - The "ICBC Card Code Pass" is a prepaid payment product designed specifically for foreign visitors in China, providing a convenient payment method that addresses their unique needs [3]. - This product allows foreign visitors to obtain a physical card at designated ICBC branches or service points in the World Games Village by presenting valid identification, streamlining the process to just a few minutes [4]. Group 2: Features and Benefits - The "ICBC Card Code Pass" offers multiple advantages, including quick application, convenient payment options, privacy protection, and immediate usability upon recharge, making it a reliable choice for foreign visitors [3]. - The card supports various payment methods, including offline card insertion, contactless payments, and online QR code payments, ensuring flexibility even in locations without POS machines [4]. Group 3: Customer Support and Future Plans - ICBC provides 24/7 bilingual customer service for "ICBC Card Code Pass" users, allowing them to seek assistance anytime during their stay [4]. - The bank plans to continue innovating and expanding payment convenience through new products and services, contributing to a higher level of openness in financial services [4].

Core Viewpoint - The "ICBC Card Code Pass" is an innovative prepaid payment product launched by Industrial and Commercial Bank of China (ICBC) to enhance the payment experience for foreign visitors in China, particularly during the 12th World Games held in Chengdu [1][3][4]. Group 1: Product Overview - The "ICBC Card Code Pass" is designed specifically for foreign visitors, allowing them to easily obtain the card at designated ICBC branches or service points with valid identification [3][4]. - The product offers multiple advantages, including quick application, convenient payment options, privacy protection, and immediate usability upon recharge [4]. Group 2: Payment Experience - The card supports various payment methods, including offline card insertion, contactless payment, and online QR code scanning, ensuring flexibility even in locations without POS machines [4]. - Foreign visitors can recharge the card using their overseas bank cards that support 3DS2.0 authentication, facilitating seamless transactions within China [4]. Group 3: Customer Support and Benefits - ICBC provides 24/7 bilingual customer service for "ICBC Card Code Pass" users, ensuring assistance is readily available for any inquiries [5]. - The product also includes a range of promotional benefits to enhance the overall consumer experience for foreign tourists [5]. Group 4: Future Plans - ICBC aims to continue expanding payment convenience through innovative products and services, contributing to a higher level of openness in financial services [6].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) is actively participating in the construction of Chengdu as an international consumption center city by providing high-quality financial services during the upcoming World University Games and other events, enhancing the city's global appeal and economic vitality [1][2]. Group 1: Financial Services for Events - ICBC has established a dedicated international financial service team of over 100 members at the Universiade Village, offering comprehensive services including registration, tax refund, merchant payment, and currency exchange [3]. - The bank has set up 8 service counters, 2 mobile banking vehicles, 5 ATMs, and 3 currency exchange machines in the Universiade Village to ensure a full range of financial services [3]. Group 2: Urban Financial Services - ICBC has created a payment service center at Chengdu Shuangliu International Airport and a smart banking experience store at Tianfu International Airport, along with self-service banking points at official hotels for the event [5]. - The bank has designated 27 branches in key cultural and transportation areas to provide focused financial services, ensuring that cash services are readily available and staff are trained in foreign currency recognition and multilingual support [5][10]. Group 3: Innovative Payment Solutions - ICBC has launched the "ICBC PASS," a non-real-name prepaid UnionPay card designed to facilitate payment for foreign participants during the World University Games, allowing for quick issuance and activation [12]. - The bank supports a project enabling both domestic and foreign passengers to use their bank cards for direct access to public transportation, enhancing the travel experience for visitors [13]. Group 4: Tax Refund Services - During the event, ICBC will provide efficient "buy and refund" services for tax refunds, utilizing its experience in this area to support visitors in popular shopping districts and event venues [16]. - The bank's services aim to create a seamless experience for international guests, contributing to the overall success of the World University Games and promoting Chengdu as a global sports city [17].