Core Viewpoint - Shenzhen has transformed from a small fishing village to a global innovation hub, with GDP growth exceeding 10,000 times over 45 years, driven by small and micro enterprises and inclusive finance [1][2]. Group 1: Economic Development - Shenzhen's economy is characterized by over 4.5 million registered business entities and 25,000 national high-tech enterprises, forming a robust industrial cluster in electronics, biomedicine, and high-end manufacturing [2]. - The "20+8" industrial cluster in Shenzhen is experiencing significant growth, with small and micro enterprises acting as the engine for economic growth and technological innovation [2]. Group 2: Inclusive Finance Initiatives - Shenzhen Industrial and Commercial Bank (ICBC) has established a comprehensive inclusive finance strategy, with a loan scale exceeding 200 billion yuan, positioning itself as a key financial partner in the region's development [3][12]. - The bank has set up 39 flagship inclusive finance outlets and has reached over 100,000 small and micro enterprises, effectively addressing the "last mile" of financial services [3]. Group 3: Innovative Financial Products - ICBC has developed tailored financial products such as "Yard e-loan" and "Green Loan" to meet the specific needs of small and micro enterprises, enhancing service quality through data-driven decision-making [4][5]. - The bank's innovative approach includes using third-party data analysis tools to assess creditworthiness for individual businesses, facilitating access to credit for small merchants [5]. Group 4: Technology Empowerment - The bank has integrated technology into its inclusive finance model, creating a digital ecosystem that enhances service efficiency and customer experience [7][8]. - ICBC has streamlined processes for loan applications and approvals, reducing the time for mortgage processing to under 8 hours, significantly improving operational efficiency [9]. Group 5: Ecosystem Building - ICBC emphasizes collaboration with government and other stakeholders to create a supportive ecosystem for small and micro enterprises, integrating financing, intelligence, and business support [10][11]. - The bank has established a credit information sharing mechanism and collaborates with government-backed financing guarantee institutions to lower financing costs for small businesses [10]. Group 6: Future Outlook - ICBC aims to continue its commitment to inclusive finance, supporting Shenzhen's development as a model for shared prosperity and sustainable growth [12].

在莲花山公园上空，无人机配送的"空降"；在南头古城街上，"机器人警察"与年轻人同框合影；后浪新 天地广场，智能石墩成了"新晋网红"，排队"给手机续命"的大有人在……45年峥嵘岁月，深圳已经成为 人们口中的"赛博鹏城"。 当前，深圳"20+8"产业集群正在茁壮成长。细观深圳经济的发展内核，小微企业是其最活跃的细胞，它 们不仅是经济增长的发动机，更是科技创新的生力军。如何在阡陌纵横的产业脉络中，通过金融活水最 大程度地激活细胞活力? 面对这一挑战，深圳工行给出了自己普惠金融这篇大文章的答卷。多年来，该行系统布局，从服务渠道 入手下沉服务，巩固加强网点普惠金融营销服务阵地作用。目前，该行设立39家普惠金融旗舰网点、19 家普惠金融标杆网点、83家普惠金融普及型网点，并组建了50支"普惠青年先锋队"，累计触达和服务小 微企业和个体工商户超10万户，打通了普惠金融服务"最后一公里"。深圳工行将普惠金融深度嵌入深 圳"20+8"产业集群、外贸出海、乡村振兴等重点战略场景，以普惠为底色，围绕科技、绿色、养老、数 字，在做好金融"五篇大文章"上持续发力，形成了具有深圳特色的普惠金融模式。 【立方都非報 奥一网oceee 时间 ...