转自：新华财经 金融是现代经济的核心，服务实体经济是金融的根本宗旨。农业银行包头分行把学习贯彻党的二十届四 中全会精神融入金融服务各领域各环节，立足包头市稀土新材料基地和稀土应用基地、全国老工业基地 绿色转型创新发展示范地区和黄河"几字弯"都市圈现代化中心城市建设，聚焦先进制造、乡村振兴、绿 色金融、普惠民生等关键领域，以精准金融供给、创新服务举措和高效金融服务，为地方经济高质量发 展注入强劲动能。 锚定实体经济"主战场"，金融助力地方经济高质量发展 截至11月末，该行民营企业贷款余额91亿余元，累计服务1.65万户民营企业客户。 深耕乡村振兴"责任田"，夯实"三农"根基 农业银行包头分行始终将服务"三农"作为主责主业，通过模式创新、科技赋能，积极探索高质量服务乡 村振兴的新路径。 在金融服务供给方面，该行"惠农e贷"产品已覆盖包头市527个行政村，今年以来累计投放农户贷款 28.31亿元；"惠农通"服务点实现包头市县域地区全覆盖，凭借"查、取、转、缴、存"等便民服务，有 效扩大了金融服务半径，尤其在农村特色产业乡镇，"惠农通"服务场景建设持续推进，让农牧民在家门 口就能享受便捷金融服务。 在政策落实与模式创 ...

Core Viewpoint - The article emphasizes the commitment of Heshun Rural Commercial Bank to support rural revitalization and economic development through tailored credit services, fostering trust and long-term relationships with clients [1]. Group 1: Support for Agriculture - Heshun Rural Commercial Bank's customer managers actively engage with rural clients, providing credit services directly to farmers' homes through products like "Huinong Tong" and "Jinniu Loan," addressing funding challenges in agricultural production [4]. - The bank offers competitive interest rates and streamlined processes to facilitate agricultural modernization, supporting various initiatives from purchasing machinery to expanding livestock operations [4]. - Customer managers also serve as financial advisors and information bridges, transitioning from merely providing funds to empowering farmers with financial literacy [4]. Group 2: Empowering Small Businesses - To meet the financing needs of individual businesses, Heshun Rural Commercial Bank has introduced products like "Xingshang Tong" and "Tobacco Loan," establishing a green credit channel [6]. - The bank simplifies approval processes and enhances loan disbursement efficiency, helping small businesses like restaurants and clothing stores overcome capital shortages [6]. - Regular visits by customer managers to local business districts allow for tailored financing solutions, ensuring that small shops have opportunities for growth [6]. Group 3: Supporting SMEs - Heshun Rural Commercial Bank has developed specialized products such as "Xinyi Loan" and "Xinglv Loan" for small and medium-sized enterprises (SMEs), focusing on increasing credit limits and extending loan terms [9]. - The bank provides comprehensive financial services, including settlement, investment, and consulting, to assist SMEs at various growth stages [9]. - Customer managers offer personalized services to enterprises in industrial parks, addressing both funding needs and broader business challenges [9]. Group 4: Overall Commitment - Heshun Rural Commercial Bank's dedication to serving agriculture, small businesses, and SMEs reflects its mission to be a reliable financial partner, fostering dreams and supporting community growth [1][4][6][9]. - The bank's ongoing efforts to build trust and provide financial support are likened to a bridge connecting aspirations with reality, reinforcing its role in the local economy [1].

Core Viewpoint - Successful inclusive finance in China should achieve significant results in six areas: broader access to basic financial services, easier financing for businesses, stronger financial support for rural development, improved financial consumer education and protection, enhanced financial risk prevention, and a more complete inclusive finance support mechanism [1] Group 1: Inclusive Finance Development - Hengfeng Bank has consistently focused on serving the real economy and supporting small and micro enterprises through product innovation and technology empowerment, significantly contributing to inclusive finance [1] - As of May 2025, Hengfeng Bank's small and micro loan balance reached 179.808 billion yuan, a 9.62% increase from the beginning of the year, with a notable rise in loans to manufacturing and technology enterprises [1] Group 2: Growth Metrics - From 2019 to 2024, Hengfeng Bank's inclusive small and micro loan balance grew from 11.3 billion yuan to 57 billion yuan, with an average annual compound growth rate exceeding 38%, and the number of clients increased from under 9,000 to over 34,000 [9] - Hengfeng Bank has successfully reduced the average interest rate on small and micro loans by 30 basis points since the beginning of the year, enhancing financial support for small enterprises [9] Group 3: Financial Product Innovation - Hengfeng Bank has developed a diverse range of inclusive financial products, including five major offline product categories and six online product categories, to meet the varied financial service needs of small and micro clients [14] - The bank has launched specialized products for different sectors, such as "Park Loan" for industrial park enterprises and "Science and Technology Loan" for technology-based small enterprises [14] Group 4: Digital Transformation - Hengfeng Bank is advancing its digital transformation by building a digital credit comprehensive service system, which has facilitated the issuance of inclusive loans totaling 6.6 billion yuan, with a remaining balance exceeding 5 billion yuan [12] - The bank has established a digital model system for credit processes, implementing various digital projects to enhance operational efficiency [13] Group 5: Regional Focus and Support - Hengfeng Bank is expanding its financial services based on regional characteristics, launching products tailored to local economic needs, such as "Good Cow Quick Loan" and "Good Grain Quick Loan" in Shandong [16] - The bank is committed to supporting rural revitalization by developing a comprehensive financial service system that integrates various industry models and local advantages [17]