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打通小微企业融资难点堵点
Jing Ji Ri Bao· 2025-08-11 22:01
Group 1 - Small and micro enterprises are crucial for national economic stability and employment support, with inclusive micro loans reaching 35.57 trillion yuan, a year-on-year increase of 12.3% [1] - The rapid growth of micro enterprise loans is attributed to regulatory efforts and financial institutions addressing financing challenges, with a total increase of 2.63 trillion yuan in the first half of the year [1] - Financial institutions are encouraged to conduct on-site visits to better understand the operational conditions of small enterprises, breaking the information asymmetry [1] Group 2 - Jiangsu Province has actively visited 4.03 million enterprises and issued loans totaling 1.9 trillion yuan, ranking among the top in the country [2] - The application of financial technology is essential for improving inclusive financial services, addressing issues like information asymmetry and high operational costs [2] - Financial institutions are innovating products like "Inclusive Loan" using data models to assess small enterprises based on key performance indicators [2] Group 3 - Chongqing's financial regulatory bureau has mined 1 trillion pieces of financial data to create accurate enterprise profiles, enhancing service capabilities for small enterprises [3] - The bureau has generated a "white list" of funding flows, facilitating precise matching with banks, resulting in 4.687 billion yuan in new loans for 32,900 enterprises [3]
“金融为民”守初心 “数智赋能”结硕果 ——南海农商银行盛装亮相2025中国国际金融展
同时,"市民贷"这一重磅创新成果的取得,也与南海农商银行一直以来高度重视金融科技研发应用、持 续奋进数智化转型的发展战略密不可分。 笃力数智赋能,强化精准对接,全面优化服务效能 据了解,早在2023年,南海农商银行便在该行高质量发展战略规划中明确提出,遵循"数实一体、数业 一体、数科一体、数用一体"原则,全力打造高质量发展数智体系,实现数智服务、数智管理、数智风 控、数智决策,坚持推进打造"现代精品数智农村商业银行"。在这一战略推动下,该行在奋进数字化转 型的路上步履不停,创新不止。 6月18日,2025中国国际金融展在上海世博展览馆盛大启幕。作为中国金融科技领域规模最大、最具影 响力的年度盛会之一,本届展会汇聚了全国顶尖金融机构、科技企业和最新创新成果,吸引了全球业界 的关注。 作为扎根粤港澳大湾区核心腹地、锐意创新的地方金融主力军,南海农商银行携其在科技金融、绿色金 融、普惠金融、养老金融与数字金融等金融"五篇大文章"创新实践成果重磅亮相本届金融展,重点展现 了其区域金融数智化转型奋进征程与阶段成果,生动诠释了区域中小金融机构聚力服务实体经济、坚定 助力金融强国建设的实践探索。该行与广东省农村信用社联合社 ...