Core Viewpoint - The Supreme People's Court has issued guidelines to support the development of the private economy, aiming to provide stronger legal guarantees for its healthy growth [1] Group 1: Judicial Support for Private Economy - The guidelines propose specific measures to address challenges faced by the private economy, emphasizing the need for judicial support to enhance financial services and reduce financing barriers for private enterprises [1] - The banking sector is seen as a key player in providing inclusive financial services, leveraging judicial advantages to support high-quality development of the private economy [1] Group 2: Enhancing Inclusive Financial Services - The guidelines stress the importance of improving communication with financial regulatory bodies to optimize the supply and service of inclusive finance [2] - Banks are innovating in product offerings and service models to enhance the quality and effectiveness of inclusive finance, creating a multi-layered service system [2] - Examples include the development of diverse financial products tailored to the needs of small and micro enterprises, such as "惠民兴村贷" and "惠易贷" [2] Group 3: Financial Support for Key Sectors - The banking industry is increasing financial support for key sectors, such as rural revitalization, by creating innovative credit products and customized solutions [3] - For instance, a local bank has introduced a credit product with a maximum revolving credit limit of 5 million yuan to support the garlic industry, addressing seasonal funding needs [3] Group 4: Addressing Financing Challenges - High financing costs have long been a significant issue for the private economy, prompting banks to enhance credit support for private enterprises [5] - Banks are developing credit loan products based on big data and AI to cater to the characteristics of private enterprises, such as insufficient collateral [5] - A multi-tiered financial service system is being established to meet the financing needs of private enterprises at different stages of development [6] Group 5: Future Directions - The banking sector is encouraged to leverage information technology to enhance the inclusivity and effectiveness of financial services for private enterprises [6] - Continuous optimization of the business environment by relevant authorities is essential to facilitate banks in addressing financing challenges faced by private enterprises [6] - The banking industry is expected to use the guidelines as a roadmap to further improve inclusive financial supply and services, supporting the high-quality development of the private economy [6]

Core Viewpoint - Small and micro enterprises are crucial for economic growth, job creation, and innovation, and Guangfa Bank is committed to enhancing financial support for these enterprises while aligning its development with social and economic progress [1] Group 1: Financial Support for Small and Micro Enterprises - Guangfa Bank's inclusive finance loans for small and micro enterprises showed a positive trend in the first half of 2025, with loan growth exceeding the average growth rate of all loans by 2.08 percentage points [1] - The weighted average interest rate for newly issued inclusive loans decreased by 32 basis points compared to the beginning of the year, and the non-performing loan ratio for these loans is below the tolerance plan value [1][2] - The bank has established a diverse range of inclusive financial products, including "Science and Technology Loans" and "Easy Loans," to meet the varied needs of small and micro enterprises [2] Group 2: Rural Revitalization Efforts - Guangfa Bank is actively involved in rural revitalization, with inclusive agricultural loans growing over 9% compared to the beginning of the year [3] - The bank has launched specialized financial products like "Agricultural Loans" and "Pineapple Loans" tailored to local agricultural industries, particularly in Guangdong [3] - By the end of June, the bank had issued over 310 billion yuan in loans related to the "Hundred Million Project," with nearly 70 billion yuan added in 2025 [3] Group 3: Coordination Mechanism for Financing - Following the establishment of a coordination mechanism for supporting small and micro enterprise financing, Guangfa Bank has implemented an action plan focusing on optimizing design, improving mechanisms, and enhancing service quality [6] - The bank has engaged with over 120,000 small and micro enterprises, providing credit exceeding 110 billion yuan to those on the "recommendation list" [6] - Guangfa Bank aims to strengthen its role as a central enterprise member by offering more precise products and efficient services to support the high-quality development of small and micro enterprises [6]

原标题：广发银行做好普惠金融服务 让金融活水精准滴灌千企万户 小微企业是经济新动能培育的重要源泉，在稳定经济大盘、促进就业增加、激发创新活力等方面发挥着 重要作用。广发银行积极践行金融央企成员单位的使命担当，深刻把握金融工作的政治性、人民性，聚 焦普惠金融大文章持续强化小微企业金融支持，实现自身发展与经济社会发展同频共振。 奋发有为 谱写乡村振兴新画卷 广发银行积极学习运用金融服务"千万工程"宝贵经验，将服务乡村振兴作为普惠金融的重要着力点，助 力推进乡村全面振兴走深走实。截至6月末，全行普惠型涉农贷款、涉农贷款余额较年初均增长超9%。 围绕乡村振兴，广发银行持续创新涉农金融服务，结合该行50个乡村振兴帮扶点的资源禀赋与特色农业 产业，精准推出"惠农贷""菠萝贷""葡萄贷"等一系列特色农业专案金融产品。特别是立足广东本土，突 出"百县千镇万村高质量发展工程"，集中资源加力提速，助力实现"三年初见成效"目标。截至6月末， 广发银行已累计为"百千万工程"相关领域投放贷款超3100亿元，其中2025年新增投放近700亿元。 例如，在"三夏"工作关键时期，广发银行肇庆分行用好标准化产品"乡村E贷"，为粮食生产企业构建 ...

Core Insights - Small and micro enterprises are crucial for economic stability, job creation, and innovation, and Guangfa Bank is committed to enhancing financial support for these businesses [1][2][3] Group 1: Financial Support for Small and Micro Enterprises - Guangfa Bank's inclusive finance loans for small and micro enterprises showed a growth rate exceeding the average loan growth by 2.08 percentage points as of mid-2025 [1] - The weighted average interest rate for newly issued inclusive loans decreased by 32 basis points compared to the beginning of the year [1] - The non-performing loan ratio for inclusive small and micro enterprise loans is below the tolerance plan value, addressing the financing difficulties faced by these businesses [1] Group 2: Product and Service Innovation - Guangfa Bank is developing a multi-tiered, widely accessible inclusive finance system, introducing standardized products like "Sci-Tech Loan," "Talent Loan," and "Village Revitalization Loan" to meet diverse needs [2] - The bank encourages branches to create tailored solutions based on regional economic characteristics, successfully launching exclusive products for supply chain enterprises related to major companies [2] - As of June, the outstanding balance of key standardized products reached nearly 1.5 trillion yuan [2] Group 3: Rural Revitalization Efforts - Guangfa Bank is focusing on rural revitalization as a key area for inclusive finance, with agricultural loans growing over 9% compared to the beginning of the year [3] - The bank has introduced specialized agricultural financial products like "Agricultural Loan," "Pineapple Loan," and "Grape Loan" to support local agricultural industries [3] - Cumulatively, the bank has provided over 310 billion yuan in loans related to the "Hundred Million Project," with nearly 70 billion yuan added in 2025 [3] Group 4: Coordination Mechanism for Financing - Following the establishment of a financing coordination mechanism for small and micro enterprises, Guangfa Bank has implemented an action plan focusing on optimizing design, improving mechanisms, and enhancing service quality [5] - The bank has engaged with over 120,000 small and micro enterprises, providing credit exceeding 110 billion yuan to those on the "recommendation list" [5] - These initiatives aim to bridge the gap in inclusive finance, ensuring support for the healthy development of small and micro enterprises [5] Group 5: Commitment to High-Quality Development - Guangfa Bank will continue to strengthen its role as a central enterprise member, providing precise products, efficient mechanisms, and warm services to drive high-quality development for small and micro enterprises [6]

优化金融服务体系 加大信贷投放。截至2024年末，全行"惠农E贷"等专案产品60余个，涉农贷款余额约1，950亿元，同比增长逾14%；普惠 型涉农贷款余额增速逾17%，高于其他各项贷款增速，为乡村经济可持续发展提供强有力的金融支持。创新产品矩阵。围 绕"村、圈、链"真实场景，创设"惠农E贷""农保贷"等多个金融产品；制定小微客群农村承包土地经营权和林地使用权抵押贷 款服务方案，提供明确业务指引；以定点帮扶点为目标客群，推出"惠民兴村贷"标准产品，并推出"葡萄贷""烟农贷"等特色专 案，进一步优化乡村金融服务的覆盖面和便捷性。 金融行业在助力乡村振兴中扮演着越来越重要的角色。随着国家政策的不断深化，如何创新服务模式、精准对接"三农"需 求，成为金融机构推动乡村振兴的关键。最新发布年报显示，2024年广发银行依托金融服务创新精准帮扶模式，在组织保障、 金融助农、产业帮扶、消费帮扶等领域持续发力见成效。 强化组织保障机制 统筹战略部署。召开全行2024年助推乡村振兴工作会议，各直属机构通过党委会、理论学习中心组等形式，研究细化工作 举措，压实各级责任。构建制度框架。印发《广发银行2024年推进乡村全面振兴重点工作落 ...