转自：贵州日报 习水农商银行工作人员为村民讲解金融知识。 创新服务 畅通金融血脉 习水农商银行支持当地猕猴桃产业发展。 王筱迪 赤水河奔流不息，见证着黔北习水的沧桑巨变，也映照着习水农村商业银行股份有限公司扎根乡土、服务为 民的坚定身影。近年来，习水农商银行紧扣"国企姓党"根本属性，将党建与业务深融互促，全力打造"家门口 的红色银行"，用实际行动让金融"活水"滋润千家万户、润泽产业田园。 强基铸魂 筑牢红色根基 根深则叶茂，本固则枝荣。习水农商银行深知，坚持党的领导、加强党的建设是国有企业的"根"和"魂"。为 确保党委"把方向、管大局、保落实"的领导作用得到充分发挥，该行从制度层面进行顶层设计，将党建工作 要求写入公司章程，明确党组织在公司治理中的法定地位。完善了"一清单四规则"治理体系，制定清晰的决 策主体权责清单，并配套完善党委会议事规则、股东大会议事规则、董事会议事规则、行长办公会议事规 则。将党委研究讨论作为董事会、高管层重大决策的前置程序，从制度上确保了重大经营管理事项均需经党 委研究讨论后，再由董事会或高管层作出决定。这一制度框架，使党的领导融入治理各环节，实现了制度 化、规范化、程序化，为打造" ...

"茶香贷"2天到账、"生猪贷"信用直批、"数智贷"灵活还款……在小微企业车间、乡村田间地头，这样 的普惠金融"及时雨"场景愈发常见。作为服务小微主体、赋能乡村振兴的关键力量，普惠金融正迎来创 新实践的蓬勃发展期。 南都"中国普惠金融行"系列深调研发现，当前普惠小微金融正从"增量扩面"的规模化发展阶段，加速 向"提质优结构"的高质量发展阶段转型。在此背景下，国内多家城商行立足区域经济特色，探索出一条 以"特色产品定制+政银协同赋能+基层网点下沉"为核心的普惠金融特色化经营路径，有效打通小微企 业、涉农主体"融资难、融资慢、融资贵"的堵点，让金融活水更精准、更高效地滴灌实体经济，为区域 发展注入持续动能。 因地制宜：特色贷款"贷"动区域产业焕生机 在政府层面，近年来，政府相关部门聚焦普惠金融痛点，从政策完善、风险分担、信息共享三方面发 力，推动信用评价体系创新，筑牢融资保障基础。2025年上半年，湖北省率先推出三大信用价值贷款改 革：针对科技型企业的"知识价值信用贷"、面向中小企业的"商业价值信用贷"、服务农户与农村主体 的"两农信用价值贷"，完全基于纯信用评价授信，打破传统抵押依赖。同年9月22日，广州市地方金 ...

Core Viewpoint - The rapid growth of inclusive finance in China is significantly contributing to the economy, with a notable increase in micro and small enterprise loans, reflecting a robust support system for economic development [2][3]. Group 1: Inclusive Finance Growth - As of the end of September 2025, the balance of inclusive micro loans reached 36.09 trillion yuan, marking a year-on-year growth of 12.2%, which is 5.6 percentage points higher than the overall loan growth rate [3][4]. - The balance of operating loans for farmers with a single credit limit of less than 5 million yuan increased by 346.5 billion yuan in the first three quarters [3]. - The total amount of loans issued since the establishment of the financing coordination mechanism for small and micro enterprises has reached 22 trillion yuan [2]. Group 2: Policy and Implementation - The "14th Five-Year Plan" emphasizes the development of inclusive finance, with a focus on practical implementation guided by the People's Bank of China [2]. - The National Financial Supervision Administration and the People's Bank of China jointly released a plan in June 2025, outlining 16 measures to enhance the inclusive financial service system [3]. Group 3: Innovations in Inclusive Finance - The research identified three major innovative highlights in inclusive finance: 1. The digital transformation of inclusive finance, utilizing big data and AI to enhance credit assessment and service delivery [6]. 2. The exploration of inclusive supply chain finance, providing targeted financial services along the supply chain to alleviate financing difficulties for small and micro enterprises [6][7]. 3. The development of region-specific inclusive financial products tailored to local economic characteristics, such as specialized loans for local industries [7]. Group 4: Guangdong's Inclusive Finance Initiatives - The Guangdong province has seen an 8% year-on-year growth in inclusive loans, outpacing the overall loan growth rate by 2.3 percentage points [8]. - A case collection initiative has been launched to identify and promote exemplary practices in inclusive finance from financial institutions in Guangdong, focusing on digital transformation, supply chain finance, and regional characteristics [9].

Core Insights - The article discusses the challenges faced by farmers in obtaining loans due to a lack of effective collateral and highlights various innovative solutions being implemented across different regions in China to address these financing difficulties [1][10][23]. Group 1: Innovations in Rural Financing - In Zhejiang, the application of big data technology has enabled the establishment of financial profiles for farmers, creating a loan whitelist that alleviates the financing difficulties caused by insufficient collateral [1][5][9]. - By the end of July, Zhejiang Rural Commercial Bank had achieved full coverage of eligible farmers for credit, benefiting 9.568 million households with a total credit amount of 1.44 trillion yuan, with credit loans accounting for 68% of the total [9][30]. - In Hunan, financial institutions have adopted a "whole village credit" model, which has supported 377 villages and 6,317 farmers with a total credit amount of 1.61 billion yuan [16][18]. Group 2: Credit Assessment and Loan Products - In Hubei, a pilot program has been initiated to evaluate the credit value of farmers and rural assets, allowing individual farmers to receive credit limits of up to 1 million yuan based on their credit ratings [18][20]. - The introduction of specialized credit loan products such as "pig loans," "aquaculture loans," and "pepper loans" has been developed to meet the needs of agricultural producers [14][20]. - The national agricultural credit guarantee alliance has been established to help farmers and agricultural cooperatives overcome financing challenges, with over 4.8 million farmers receiving guarantees and financing exceeding 1.76 trillion yuan [29][30]. Group 3: Shift Towards Credit-Based Financing - The Financial Regulatory Administration reported that as of July, credit loans accounted for over 50% of the total balance of operating loans for farmers, indicating a significant shift from reliance on collateral to credit value [30][34]. - The number of new agricultural entities receiving loans has increased by 10.18% since the beginning of the year, with regions like Fujian and Shanxi showing loan approval rates exceeding 70% [32][34]. - The recent implementation of the "Implementation Plan for High-Quality Development of Inclusive Finance in the Banking and Insurance Industries" emphasizes increasing credit loan issuance to farmers and new agricultural entities [36].

Group 1 - The core viewpoint emphasizes the innovative financial support mechanisms introduced by the People's Bank of China in Yunfu, aimed at fostering local economic development through targeted loans and subsidies [1][3][5] - As of July 2025, the balance of agricultural and small business re-loans in Yunfu reached 1.724 billion yuan, with a utilization rate of 97%, significantly supporting high-quality regional economic growth [1] - The "re-loan + provincial loan interest subsidy" model has been successfully implemented, allowing technology companies to benefit from lower loan rates and additional financial support [2][3] Group 2 - The financial institution has identified 24 strategic emerging industry enterprises eligible for credit, facilitating loans totaling 158 million yuan, which is expected to generate 1.6594 million yuan in provincial subsidies [3] - The introduction of innovative financing products such as "company + base + family farm" models has enabled local agricultural cooperatives to secure loans, enhancing their operational capabilities [4][5] - The "re-loan + modern agricultural industry chain" service model has led to the issuance of 560 million yuan in preferential loans to new agricultural operators, promoting local specialties [5] Group 3 - The collaboration between the People's Bank of China and local market regulation departments has resulted in the issuance of 113 million yuan in credit to "special, excellent, and new" individual businesses, benefiting 71 merchants [8] - The "Yue Quality Loan - Yun Quality Loan" model has been established to create a quality evaluation system for enterprises, facilitating access to financing for over 300 companies [8] - The ongoing efforts aim to deepen the "re-loan +" model, leveraging monetary, fiscal, and industrial policy synergies to drive sustainable economic development in key areas [8]

Core Insights - The article highlights the transformative impact of inclusive finance in Hubei, particularly through innovative loan products that address the financing challenges faced by small and micro enterprises, farmers, and technology companies [2][3][4][5]. Group 1: Challenges in Inclusive Finance - Hubei Bank faces common industry challenges such as scattered credit data, lack of collateral, and high operational and risk control costs, which hinder access to financial services for small business owners [3]. - Long-standing issues like inefficient capital allocation and limited financing channels have been significant barriers to the growth of private enterprises in Hubei [4]. - The reliance on traditional collateral requirements restricts financing for asset-light market participants, leading to difficulties for agricultural and technology enterprises in securing loans [4][5]. Group 2: Innovative Solutions - Hubei Bank has developed a product system aimed at addressing the financing difficulties of technology companies, small and medium enterprises, and farmers by leveraging credit value instead of traditional collateral [6][7]. - The bank introduced three types of credit value loans in 2025: Knowledge Value Credit Loan, Commercial Value Credit Loan, and Two-Farmer Credit Value Loan, allowing businesses to access loans without collateral [6][7]. - The Knowledge Value Credit Loan enables up to 10 million yuan in credit for technology companies based on innovation metrics, while the Commercial Value Credit Loan quantifies soft strengths like tax records and market reputation for small businesses [6][7]. Group 3: Service Accessibility and Efficiency - Hubei Bank has expanded its service network to ensure financial services reach rural areas, with 254 branches covering all cities and counties, and mobile financial service stations bringing services directly to farmers [8]. - The bank has implemented a full lifecycle service system that caters to businesses at different growth stages, offering tailored products from startup loans to larger financing options [9]. - The introduction of the "301" online quick loan model allows for a streamlined application process, significantly improving approval efficiency and reducing the need for collateral [10]. Group 4: Collaborative Ecosystem - Hubei Bank has established a collaborative ecosystem involving government and enterprises to share risks and enhance the effectiveness of inclusive finance initiatives [11]. - The bank's "One County, One Product" strategy aligns financial services with local industry needs, exemplified by tailored loan products for specific agricultural sectors [11][12]. - Future plans include expanding the bank's technological capabilities and product offerings to ensure comprehensive coverage of regional industries and enhance the effectiveness of inclusive finance [12].

Group 1: Core Insights - Ningbo has introduced a "combined registration" model for mortgage loans to facilitate seamless refinancing for small and micro enterprises, significantly reducing costs and processing time [1] - The financial regulatory authority has expanded the scope of refinancing policies to all small and micro enterprises, aiming to alleviate financing pressures [1][2] - A coordination mechanism has been established to support small and micro enterprises, resulting in substantial credit issuance and a focus on priority sectors [2] Group 2: Financing Mechanisms - The coordination mechanism has prioritized foreign trade small and micro enterprises, providing tailored financial support and insurance products to address their unique challenges [3] - Innovative financing solutions, such as "cross-border e-commerce insurance," have been developed to support export activities and mitigate risks [3][4] - Local banks have been proactive in addressing financing needs by providing loans and market analysis to enterprises facing operational challenges [4][5] Group 3: Addressing Financing Barriers - Various local initiatives have been implemented to resolve common financing barriers faced by small and micro enterprises, such as property disputes and lack of traditional collateral [5][6] - The use of innovative approaches, like "temporary order pledges" and "guarantees from actual controllers," has enabled banks to provide loans despite existing challenges [6][7] - The establishment of a "recommendation list" has facilitated access to credit for enterprises previously deemed ineligible due to minor issues [7] Group 4: Innovative Financial Products - Financial institutions have developed new products and services tailored to the specific needs of small and micro enterprises, enhancing the precision and coverage of financial services [8][9] - Examples include the "pollution rights pledge" and "climate loans," which integrate environmental factors into the financing process [8][9] - Collaborative efforts among government, banks, and insurance companies have led to the creation of risk-sharing mechanisms to support various sectors, including agriculture [9]