创新产品 破解融资难题 科技赋能 提升服务效率 农行宜春分行积极运用金融科技手段，为民营企业提供更加便捷、高效的金融服务。打造"普惠e 站"线上平台，实现科技型企业贷款"一键测额""线上预审"等功能，上半年线上申请转化率达45%。创 新推出《普惠法人贷款产品》宣传手册，内嵌速拨小程序，简化联络流程，解决小微企业融资信息不对 称问题。开发"智慧风控大脑"，构建民营企业"三维画像"模型，整合多维度数据源，贷前筛查精准度提 升40%，在有效控制风险的同时，提高了服务效率。 在农行宜春分行的大力支持下，宜春民营企业焕发出勃勃生机。截至2025年6月末，该行法人民营 企业贷款余额比上年净增12.43亿元，12家获贷企业入选省级专精特新企业名录，3家企业实现年产值翻 番。下一步，农行宜春分行将继续深耕科技金融服务，聚焦专精特新和"小巨人"企业需求，持续优化金 融产品和服务，让金融活水源源不断地浇灌民营经济，为宜春经济高质量发展贡献更大的金融力量。 责任编辑：袁浩 民营企业在发展过程中，常面临融资难题，尤其是轻资产、高创新的科技型中小企业。农行宜春分 行敏锐洞察市场需求，创新推出"科技e贷"产品。该产品打破传统信贷依赖固定 ...

Core Viewpoint - Agricultural Bank of China Sichuan Branch has achieved significant growth in loan volume, leading the industry in the central and western regions of China, with a total loan amount of 1.33 trillion yuan in 2024 and a steady increase in financial services to support the local economy [6][7][10]. Financial Performance - In 2024, Agricultural Bank of China Sichuan Branch's total loan volume reached 1.33 trillion yuan, maintaining the top position in the central and western regions for three consecutive years with an annual increase exceeding 100 billion yuan [6]. - By the first quarter of 2025, the total loan volume surpassed 1.4 trillion yuan, with individual loans accounting for nearly 50% of the increase and corporate loans increasing 1.6 times compared to the same period last year [6]. Service Innovation - The bank has embraced technological advancements to enhance financial services, achieving a 66% online loan ratio for small and micro enterprises in 2024 [8]. - The introduction of the "Micro Loan 3.0" AI lending model has positioned the bank as a leader in both loan scale and product variety within the Agricultural Bank of China [8]. Green Finance Initiatives - Agricultural Bank of China Sichuan Branch has actively supported green finance, issuing 1.1 billion yuan in loans for 10 reserve forest projects by the end of 2024 [9][10]. - The bank has also approved 2.1 billion yuan in fixed asset loans for clean energy and ecological projects, contributing to local economic transformation [9]. Support for Manufacturing and Small Enterprises - The bank has focused on the manufacturing sector, maintaining a leading position in loan balances and providing 42 billion yuan in loans to small and micro enterprises [11]. - Project financing has seen a 27.5% annual increase, with nearly 1 trillion yuan in loans for 700 key projects in 2024 [11]. Rural Revitalization Efforts - Agricultural Bank of China Sichuan Branch has supported rural revitalization with a total loan volume exceeding 500 billion yuan, aiding in the construction of 1.74 million acres of farmland [12]. - The bank has implemented over 100 tailored solutions for rural financing, achieving a total loan amount of 84.2 billion yuan for farmers [12]. Future Outlook - The bank aims to continue supporting the local economy and rural revitalization, focusing on the "three rural issues" and enhancing financial services to drive sustainable growth [13].