除了持续创新产品，广发银行还打造"信贷+"服务模式，结合小微企业经营发展全周期，提供涵盖便捷 结算、专业财务咨询、有效汇率避险等在内的多元化金融供给。通过整合运用行内优势产品资源，拓展 普惠金融服务外延，积极为小微企业提供贯穿初创、成长、壮大全流程的金融支持。 深耕供应链金融，以大带小激活全链 在众多普惠金融产品创新中，供应链金融因其"源于产业、赋能生态"的独特基因，以及"一链一策"的精 准模式，而被视为最具产业深度与商业智慧的解决方案。广发银行对此也早有布局并持续深耕。 作为一家全国性股份制银行，广发银行充分发挥股份制银行机制灵活、反应迅速的特性，通过创新产品 与优化服务模式，构建起普惠金融2.0模式，持续为小微企业注入发展动能。 在产品创新方面，广发银行一方面加速标准化产品创设与迭代升级，精心打造了涵盖"科创贷""科技人 才贷""惠民兴村贷""惠易贷"等在内的普惠金融产品矩阵，满足不同类型小微企业的差异化需求，实现 了"广覆盖"；另一方面，鼓励分行立足区域经济特色，因地制宜开发专属解决方案，成功推出了服务华 为、习酒、三一重工（600031）的上下游供应链小微企业专属产品，以及为义乌小商品城（600415 ...

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]

Core Insights - Guangfa Bank is committed to enhancing inclusive financial services, focusing on small and micro enterprises as a vital source of economic growth and innovation [1][2][3] Group 1: Inclusive Financial Support for Small Enterprises - Guangfa Bank's inclusive micro-enterprise loans have shown a positive trend with 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 micro-enterprise loans decreased by 32 basis points compared to the beginning of the year [1] - The non-performing loan ratio for inclusive micro-enterprise loans is below the tolerance plan value, effectively addressing the financing difficulties faced by small enterprises [1] Group 2: Product and Service Innovation - Guangfa Bank is developing a multi-layered, widely accessible inclusive financial system, introducing standardized products like "Science and Technology Loans" and "Rural Revitalization Loans" 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 and local merchants [2] - As of June, the balance of key standardized product loans reached nearly 1.5 trillion yuan [2] Group 3: Support for Rural Revitalization - Guangfa Bank is leveraging its financial services to support rural revitalization, with inclusive agricultural loans growing over 9% year-to-date [3] - The bank has introduced specialized agricultural financial products like "Agricultural Loans" and "Pineapple Loans" tailored to local agricultural resources [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 Small Enterprise Financing - Following the establishment of a financing coordination mechanism for small 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 enterprises, providing credit support exceeding 110 billion yuan for those on the "recommendation list" [5] - These initiatives aim to bridge the gap in inclusive financial services, ensuring robust support for the healthy development of small enterprises [5] Group 5: Commitment to High-Quality Development - Guangfa Bank will continue to strengthen its responsibilities as a central enterprise member, providing precise products, efficient mechanisms, and warm services to fuel the high-quality development of small enterprises [6]

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]

Core Viewpoint - The financial industry plays an increasingly important role in promoting rural revitalization, with financial institutions focusing on innovative service models and precise alignment with the needs of agriculture, rural areas, and farmers [1] Group 1: Organizational Support Mechanism - The bank held a meeting to strategize its efforts in rural revitalization for 2024, ensuring responsibilities are clearly defined across all levels [2] - The bank issued key work plans to support rural revitalization, establishing a framework for policy support and resource allocation [2] - Senior management conducted field research and support activities, with 12 visits for targeted assistance and 40 visits by branch leaders to understand local needs [2] Group 2: Financial Service System Optimization - By the end of 2024, the bank had over 60 specialized agricultural loan products, with an agricultural loan balance of approximately 1,950 billion, reflecting a year-on-year growth of over 14% [3] - Inclusive agricultural loan growth exceeded 17%, outpacing other loan categories, thereby providing robust financial support for sustainable rural economic development [3] - The bank introduced various financial products tailored to real rural scenarios, enhancing service coverage and convenience [3] Group 3: Precision Assistance Practices - The bank's 22 branches partnered with 51 towns and villages, deploying 45 support staff to implement measures that prevent large-scale poverty [4] - Focused on enhancing rural industry development, the bank supported local initiatives to improve agricultural value chains and infrastructure [4] - The bank set annual consumption assistance targets, achieving nearly 15 million in agricultural product purchases and facilitating significant sales through e-commerce [4] Group 4: Focus on Guangdong Rural Revitalization - The bank deepened cooperation with local governments to enhance financing for rural revitalization, leading to 8.20 million in inclusive agricultural loans in 2024 [5] - The bank deployed 14 support staff in Guangdong to monitor and assist rural areas, ensuring no large-scale poverty occurs [5] - The bank plans to align with the group's strategic goals for 2025, aiming to strengthen agricultural foundations and improve rural livelihoods [5]