近年来，中国银行东莞分行（下称"东莞中行"）以普惠金融为重要支点，引导金融"活水"精准滴灌县域 乡村、深耕小微实体，为构建现代化产业体系、推动"百千万工程"落地见效持续注入强劲金融动能。 作为制造业大市，东莞汇聚了大量龙头企业与专精特新"小巨人"企业，东莞中行紧扣企业创新发展需 求，针对性优化普惠信贷服务。面对龙头企业产业链上下游小微企业融资难题，该行积极推广"惠制 造"制造业客群专属授信服务方案，助力配套企业解决资金周转压力，推动产业链供应链协同升级。针 对工业机器人、智能装备等细分领域的专精特新企业，通过简化审批流程、提升授信额度、给予利率优 惠等举措，为企业技术研发与市场拓展提供资金支持，推动产业向高端化迈进。截至2025年8月末，该 行专精特新企业授信余额合计超137亿元，助力莞邑制造业当家高质量发展。 在"百千万工程"三年初见成效的关键节点，东莞中行积极推动普惠金融下沉县域乡村，聚焦"数智 化""在地化"服务创新。一方面，东莞中行深入镇街乡村，调研特色产业需求，以"中银惠农通宝""百千 万工程贷"等专属产品精准对接不同涉农经营主体的差异化融资需求。截至2025年8月末，"中银惠农通 宝"产品当年累计 ...

Core Viewpoint - The article highlights the efforts of the Bank of China Foshan Branch in promoting inclusive finance to support local economic development, particularly in the manufacturing and agricultural sectors, while addressing the financing challenges faced by small and medium-sized enterprises (SMEs) and innovative companies [4][5][10]. Group 1: Financial Support and Services - As of August 2025, the loan balance in key areas of inclusive finance reached over 36.5 billion yuan, with an increase of nearly 3.4 billion yuan since the beginning of the year [5][6]. - The coverage rate for credit to specialized and innovative enterprises exceeds 30%, while the coverage for high-tech enterprises is over 20%, indicating that one in three specialized enterprises has received credit support from the bank [5][6]. - The bank has implemented a digital risk control model to convert intangible assets like technology patents into credit assets, thereby reshaping the financing logic for light-asset technology companies [6][7]. Group 2: Collaboration and Ecosystem Development - The bank has engaged in over 10 enterprise financing coordination meetings this year, covering more than 3,000 enterprises, to build a new ecosystem of inclusive finance through information sharing and resource integration [8]. - A "one-on-one" financing solution has been provided to small and micro enterprises through a joint visit team formed with local government, enhancing financing efficiency and helping enterprises better understand and utilize policies [8][9]. - The bank has successfully transferred over 4.7 billion yuan to more than 1,140 small and micro enterprises through government transfer loan funds since 2025, effectively reducing financing costs [8][10]. Group 3: Sector-Specific Initiatives - The bank has provided 10 million yuan in medium-term working capital loans to support the "Hezhou Black Goose" project, addressing the seasonal funding needs of agricultural enterprises [10]. - The "Yuecai Master Loan" product was introduced to support local culinary talents and small restaurants, offering up to 3.5 million yuan in loans without collateral, which helped a local restaurant complete its renovation [9][10]. - The bank has issued over 9 billion yuan in credit to more than 1,300 enterprises in the "Ring Liangjiang" area, supporting tourism and cultural projects [11]. Group 4: Future Outlook - The bank aims to continue leveraging its global resources to deepen financial supply-side innovation and provide diversified financial services to regional enterprises and projects, contributing to the high-quality economic development of Foshan [11].