在当前经济高质量发展的背景下，破解民营企业尤其是轻资产、创新型企业长期面临的"融资难、融资慢"等结构性难题，已成为金融服务实体经济的关键任 务。数字化转型与科技赋能，正成为金融机构提升服务精准性、拓宽服务覆盖面的重要路径。广发银行上海分行积极响应国家号召，紧密围绕民营企业融资 中的堵点与需求变化，主动运用大数据、线上化等科技手段，持续推动产品创新与服务模式升级，着力构建更便捷、更智能、更包容的民营企业金融服务体 系。 广发银行上海分行创新推出"3+6"科创贷、"惠信通（科技E贷）"、"惠信通（专精特新E贷）"等一系列线上线下专属融资产品，为企业提供高效便捷的金融 服务。以J公司为例，该企业成立于2012年，是一家专注于信息技术服务的民营企业，因抵押物有限，传统融资渠道受限。分行在了解企业需求后主动上 门，推荐"惠信通"系列产品。该产品以企业授权后的纳税数据为主要授信依据，实现从申请、审批、合同签订到提款、还款的全流程线上化操作，大幅提升 了服务效率与客户体验。企业2025年贷款利率较上年再降低105BP，目前银企合作良好。 此外，为提升服务精准性与客户触达效率，广发银行上海分行创新构建"灯塔"大数据精准营销服 ...

Core Viewpoint - The core viewpoint emphasizes the importance of inclusive finance in ensuring that the benefits of reform and development are equitably shared among all people, particularly through targeted financial services for vulnerable groups and small and micro enterprises [1] Group 1: Inclusive Financial Services - China Life Insurance Group has been actively enhancing the diversity, inclusiveness, and accessibility of financial services, focusing on key areas such as vulnerable groups, small and micro enterprises, and rural revitalization [1] - The "Women's Health Insurance" program, launched in collaboration with the All-China Women's Federation, allows women to obtain specific disease coverage with low premiums, ensuring affordability and timely payouts [2] - The company has developed various inclusive insurance products, including critical illness insurance and long-term care insurance, and has participated in over 200 critical illness insurance projects [2] Group 2: Support for Specific Groups - China Life's property insurance company has launched the "Military Care" project, providing risk protection for over 18.27 million veterans and their families, amounting to nearly 61 trillion yuan in risk coverage [3] - The "Worker Care" project has provided risk protection for nearly 1.3 million workers and their families, totaling over 3.8 trillion yuan in coverage [3] Group 3: Support for Small and Micro Enterprises - China Life's subsidiary, Guangfa Bank, has tailored personalized credit solutions for small and micro enterprises, exemplified by a 3-day approval process for a 3.28 million yuan loan to a high-tech company [4][5] - The bank's inclusive small and micro enterprise loans grew by approximately 5.9% by the end of the third quarter of 2025, with a weighted average interest rate decrease of 36 basis points compared to the beginning of the year [5] Group 4: Agricultural Insurance Initiatives - The introduction of commercial fruit tree comprehensive meteorological index insurance has provided farmers with confidence and protection against adverse weather conditions, covering over 40,000 acres with risk protection exceeding 35 million yuan [6] - China Life has provided risk protection for over 100 million acres of major crops, including rice, wheat, and corn, with total risk coverage exceeding 100 billion yuan [7]

Core Viewpoint - The company emphasizes the importance of inclusive finance, aiming to enhance financial services' accessibility and diversity to benefit all citizens, particularly focusing on vulnerable groups and small to medium enterprises [1] Group 1: Inclusive Financial Services - The company has been actively promoting inclusive finance, particularly in key areas such as supporting vulnerable groups, small and medium enterprises, and rural revitalization [1] - The "Women's Health Insurance" program, launched in collaboration with the All-China Women's Federation, offers low premiums and high coverage, ensuring timely compensation for women facing health risks [3] - The company has developed various inclusive insurance products, including critical illness insurance and long-term care insurance, to provide comprehensive coverage for different demographics [4] Group 2: Support for Small and Medium Enterprises - The company has tailored financial solutions for small and medium enterprises, exemplified by the customized "Hui Credit" loan products that address specific funding needs [5] - In the first three quarters of 2025, the company serviced over 6,000 specialized small enterprises, handling more than 1.2 million claims with a total payout exceeding 6.5 billion [6][7] - The growth rate of inclusive loans for small and medium enterprises was approximately 5.9%, with a significant reduction in average interest rates [7] Group 3: Agricultural Support - The company has introduced innovative insurance products, such as the comprehensive meteorological index insurance for fruit farmers, which covers critical weather-related risks [8] - In the first three quarters of 2025, the company insured over 100 million acres of staple crops, providing risk coverage exceeding 100 billion [9] - The growth rate of inclusive agricultural loans reached about 12.2% by the end of the third quarter of 2025 [9] Group 4: Commitment to Social Responsibility - The company views inclusive insurance as a mission and responsibility, aiming to enhance its role in promoting high-quality development of inclusive finance [9] - The leadership emphasizes the importance of standing firm on the people's stance and continuously injecting energy into the development of inclusive finance [9]

Core Viewpoint - The article emphasizes the commitment of Guangfa Bank to support technology-driven enterprises through innovative financial services and products, aligning with national strategies for technological advancement and economic development [1][6]. Group 1: Financial Services for Technology Enterprises - Guangfa Bank has integrated the mission of serving technology-driven enterprises into its development plan, achieving a loan balance of 253.6 billion yuan for technology enterprises by the end of June [1]. - The bank has developed a comprehensive financial service model that combines bank credit, insurance investment, and insurance protection to support key industries such as information technology, equipment manufacturing, new materials, and biomedicine [2]. - Customized financial service solutions, such as "Kechuang Weirong," have been designed to meet the diverse financial needs of technology enterprises at different growth stages, including seed, startup, growth, and mature phases [3]. Group 2: Risk Assessment and Service Quality - Guangfa Bank is enhancing its risk assessment capabilities by investing in technology, utilizing artificial intelligence and big data to improve credit risk evaluation and create accurate customer profiles [3]. - The bank has established 28 technology financial centers to provide specialized financial services for local high-level technology research and innovation, ensuring precise service delivery to technology enterprises [4]. Group 3: Collaboration with Local Governments - Guangfa Bank is actively collaborating with local governments to implement the "Yiqi Gongying Plan," which aims to empower the real economy and support industrial upgrades, having signed strategic cooperation agreements with 76 technology enterprises amounting to over 3.8 billion yuan by June 2025 [5]. - The bank plans to enhance its financial support capabilities for technology innovation, tailoring strategies to local industrial characteristics and fostering a favorable financial ecosystem for technology enterprises [5].