9月23日，恒丰银行与福建省金服云征信有限责任公司系统对接启动仪式在福州举行。双方将在数据融合应用、场景金融创新等方面开展更深层次探索，构 建新型政银企合作模式，共同打造普惠金融新生态，助推福建实体经济高质量发展。 近年来，恒丰银行将发展普惠金融作为服务实体经济的重要抓手，利用科技赋能持续完善服务体系，推出"科创贷""经营通""数智快贷"等数字化普惠贷款产 品，覆盖不同行业、不同发展阶段小微企业的融资需求。这些产品依托大数据风控和线上化平台，简化申请材料，优化审批流程，实现"让信息多跑路，让 企业少跑腿"。五年间，普惠型小微贷款年均复合增速超38%，客户数增长超过3倍。 "金服云"平台由福建省金服云征信有限责任公司建设运营，是"数字福建"建设的重要成果之一。恒丰银行长期通过债券投资支持其母公司业务发展，助力平 台建设。作为福建省重要的金融基础设施，该平台已汇聚33个政府部门公共数据，收录全省760万户企业超亿条信用信息，形成多源多维的数据结构体系， 在破解民营中小微企业融资难题方面展现出了显著成效。 据介绍，与"金服云"平台实现系统对接后，恒丰银行将可直接调用平台提供的20款征信产品和服务，为企业精准画像，满 ...

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]