在岭南的广袤果园里，一颗颗红彤彤的荔枝完成从田间到舌尖的"鲜"美旅程。在这背后，交行广东省分行创新推出的"荔枝贷"，助力荔枝产业 不仅"红了果皮"，更带动农户"富了日子"。这不仅是该行助力"百千万工程"的生动缩影，更是其践行绿色金融、点绿成金的真实写照。 绿色发展，是中国式现代化的鲜明底色。交行广东省分行将"绿色金融"作为发展的核心标识，率先在交行系统内成立了首个绿色金融中心，设 立绿色金融发展委员会，组建专职团队，并在绿色改革创新区域建成3家绿色支行，以机制优势引领绿色金融跑出"加速度"。 作为国有大行在粤分支机构，交通银行广东省分行深入贯彻落实党的二十届四中全会精神，坚持金融工作政治性、人民性，以服务实体经济 为根本宗旨，始终与粤港澳大湾区发展同频共振，做好金融"五篇大文章"，切实加强对"重大战略、重点领域和薄弱环节"的优质金融服务，为 粤港澳大湾区的高质量发展注入源源不断的金融"活水"。 深耕科技沃土，激活"新质"引擎 从智能制造的精密协同，到高端医疗的生命守护，从新能源的驭风追光，到新材料的硬核突破，每一个科技创新成果从实验室走向生产线， 再融入百姓日常，这漫长的"破茧成蝶"之路，都离不开"耐心资本" ...

Core Viewpoint - The article emphasizes the commitment of the Bank of Communications to support small and micro enterprises through innovative financial services and tailored solutions, focusing on key sectors such as foreign trade, private enterprises, technology, and consumption [1][3][9]. Product Innovation - The Bank of Communications is actively enhancing its financial support for technology-driven small and micro enterprises by introducing various innovative financial products, such as the AI enterprise data asset pledge loan of 10 million yuan in Zhejiang [3]. - The bank has developed a multi-layered technology finance support system to help technology enterprises overcome financing challenges and stimulate innovation [3]. Service Upgrade - The bank has established a financial support network for foreign trade enterprises, customizing financial service plans based on regional trade characteristics [5][7]. - The introduction of the "Smart Loan" product in Shanghai has successfully provided financing support to 77 small and micro enterprises, with a total credit amount of 368 million yuan in its first weekend [5]. Specialized Policies - The bank has created a comprehensive service policy system tailored for cross-border e-commerce enterprises, focusing on specialized service teams, differentiated credit standards, and efficient approval processes [6][7]. - The "Cross-border E-commerce Loan" product exemplifies this initiative, allowing for rapid loan processing within three working days [6]. Dual-Drive Strategy - The bank has launched a "Cultural Tourism + Finance" and "Entrepreneurship + Finance" dual-drive model to stimulate consumption and support the high-quality development of small and micro enterprises in the tourism and catering sectors [9]. - In Beijing, the bank has utilized social security data and cash flow analysis to provide 3 million yuan in funding support to a cash-strapped chain restaurant [9]. Future Outlook - As of August 2025, the bank has visited over 500,000 enterprises and provided cumulative credit exceeding 1.1 trillion yuan, demonstrating its active participation in the "Thousand Enterprises, Ten Thousand Households" outreach initiative [10]. - The bank aims to continue driving innovation to address the financing challenges faced by small and micro enterprises, ensuring that inclusive financial services are accessible [10].

Core Viewpoint - The focus on supporting small and micro enterprises has become a key theme in banking financial services, with the Bank of Communications actively engaging in financing coordination mechanisms to enhance financial services for these enterprises across various sectors [1] Product Innovation - The Bank of Communications is committed to injecting financial resources into technology-driven small and micro enterprises, launching various financial products to enhance support for technological innovation [2] - Notable initiatives include the first AI enterprise data asset pledge loan of 10 million yuan in Zhejiang and the "Kechuang Yidai" product line in Ningbo, providing significant credit support for R&D [2] - The bank is building a multi-tiered technology finance support system to address financing challenges for tech enterprises and stimulate innovation [2] Service Upgrade - The Bank of Communications is enhancing services for foreign trade enterprises by innovating service models and establishing a financial support network tailored to the needs of these businesses [3][4] - The bank has developed a collaborative mechanism with local financing guarantee centers and launched the "Smart Rong e-loan" product, which provided 368 million yuan in credit support to 77 small and micro enterprises in Shanghai [3] - A specialized service policy system has been created for cross-border e-commerce enterprises, including a fast approval process that can complete funding in as little as three working days [4] Dual-Drive Strategy - The bank has introduced a dual-drive model of "Cultural Tourism + Finance" and "Entrepreneurship + Finance" to stimulate consumption and support the high-quality development of small and micro enterprises in tourism and catering [6] - In Beijing, the bank has implemented a low-threshold, high-efficiency financial service system for startups, providing 3 million yuan in funding to a cash-strapped restaurant chain [6] Future Outlook - Since the launch of the small and micro enterprise financing coordination mechanism, the Bank of Communications has visited over 500,000 enterprises and granted cumulative credit exceeding 1.1 trillion yuan [7] - The bank aims to continue driving innovation and enhancing efficiency in financial services to effectively address the financing challenges faced by small and micro enterprises [7]