Core Insights - The article highlights the critical role of Minsheng Bank in supporting small and micro enterprises, particularly in the competitive restaurant industry, through timely credit support that alleviates financial pressure and facilitates expansion and training [1][2]. Group 1: Support for Small and Micro Enterprises - Minsheng Bank positions itself as a "bank for private enterprises," focusing on inclusive finance as a core development direction, recognizing small and micro enterprises as important partners [1][2]. - The bank has established 100 branches in Beijing, deeply integrating into local communities and parks to create an effective network for supporting small and micro enterprises [1][2]. Group 2: Challenges in Inclusive Finance - The banking industry faces challenges in serving small and micro enterprises due to their weak risk resistance, lack of transparency, and insufficient creditworthiness [2][3]. - The dual challenge of "difficult loans for enterprises and difficult lending for banks" needs to be addressed by identifying and supporting quality small and micro enterprises [2][3]. Group 3: Innovative Financial Solutions - Minsheng Bank has launched various innovative products, such as the "Yichuang E-loan," which offers up to 10 million yuan with same-day approval, enhancing the financing experience for small and micro enterprises [5][6]. - The bank has also implemented a "quick interest subsidy channel" to facilitate the implementation of government subsidy policies, thereby improving access to financing for small enterprises [5][6]. Group 4: Comprehensive Service Approach - The bank has formed dedicated teams to provide customized financial solutions and has organized over 100 non-financial activities to enhance the service ecosystem for small and micro enterprises [6][7]. - By integrating financial and non-financial services, the bank aims to improve customer loyalty and overall profitability, contributing to the sustainable development of inclusive finance [6][7].

转自：新华财经 中国民生银行济南分行持续深化普惠金融服务，精准聚焦小微企业融资需求，不断加大对普惠小微企业 的融资支持力度，助力小微企业等市场主体高质量发展。 济南分行辖内临沂二级分行紧密围绕当地商贸物流、木业建材等特色产业集群的发展需求，坚决扛起普 惠金融的政治责任。临沂市英俊商贸有限公司十年来在民生银行的持续金融支持下，成为年销售额过3 亿、直营店过10家的龙头企业。临沂市亚宸木业有限公司在民生银行助力下，由单纯的国内销售逐渐转 向国内、国外双线循环发展之路。 近年来，临沂分行创新推出"民生惠信用贷、政采快贷、民生快贷、蜂巢计划"等授信产品，搭建了"抵 押+信用""线上+线下"的多元化产品体系，畅通小微企业金融供给，持续擦亮普惠金融"金字招牌"。截 至2025年8月末，该行普惠型小微企业贷款余额已达112亿元。（郭丽莉） 编辑：穆皓 ...

Core Viewpoint - Minsheng Bank has strengthened its balance sheet and enhanced its resilience to navigate through economic cycles, as highlighted by Chairman Gao Yingxin during the 2024 performance communication meeting [1]. Group 1: Financial Performance - Minsheng Bank's total assets reached 7.8 trillion yuan, indicating a positive operational trend [2]. - The net interest margin has stabilized, with a year-on-year decline of 7 basis points, but the rate of decline has narrowed [3]. - The bank's non-performing loan ratio stood at 1.47% at the end of last year, marking a four-year consecutive decline [3]. - The core Tier 1 capital adequacy ratio has increased from 9.17% in 2022 to 9.36% in 2024, reflecting effective capital management [3]. Group 2: Business Strategy - The bank aims to maintain its competitive edge in supply chain finance, which has seen significant growth, with a balance of 310.4 billion yuan and a 115% increase in core customer numbers [3][9]. - Minsheng Bank is focusing on small and medium-sized enterprises (SMEs) as a key business strategy, with SME loan balances nearing 1 trillion yuan and a compound annual growth rate of 20% over the past three years [8]. - The bank has implemented a comprehensive customer service model that includes account services, payment settlements, and credit services tailored to the lifecycle of clients [8]. Group 3: Retail Business Development - The bank's retail assets under management (AUM) approached 3 trillion yuan, with a year-on-year increase of 7.87% [12]. - The average cost of personal deposits decreased to 2.16%, down 11 basis points year-on-year, indicating improved cost management [12]. - The number of retail customers reached 130 million, with a growth rate of 5.99% [12]. Group 4: Supply Chain Finance - Minsheng Bank has established a diverse product system for supply chain finance, enhancing efficiency through digital solutions [10]. - The bank has shifted to a data-driven risk assessment model, utilizing transaction and logistics data for credit evaluations [10]. - A dedicated supply chain team has been formed to improve internal collaboration and service delivery [11]. Group 5: Future Outlook - The management expresses confidence in the bank's strategic transformation and its ability to enhance operational efficiency and customer service quality [16].