农行广州分行三农金融流动服务团队在县域乡镇地区普及金融知识。 金融服务实体经济，"普"是广度，更是情怀；"惠"是温度，更是担当；而筑牢风控堤坝，则是行稳致远 的关键基石。在普惠与风控之间，农行广州分行通过服务下沉打通最后一公里、数智赋能提升服务效 率、多维风控筑牢安全屏障等，交出了一份规模与质量双优的答卷：至2025年三季度末，该行普惠贷款 余额超900亿元，较年初增长超100亿元；普惠贷款有贷户超4万户，较年初增长超2000户；普惠贷款不 良率保持在2%以下，在可比同业中最优。 力量下沉，将专业团队"配送"到田间地头。如，派出金融助理150人次直接服务省"驻镇帮镇扶村"工 程，派出近20名金融村官在花都、南沙等6区开展"一对一"驻点金融服务。 农行广州分行客户经理到科技企业走访调研，了解企业发展情况及金融需求。 服务下沉 让"金果子"开满田间地头 在广州市从化区江埔街，90后"新农人"张小姐的种植场里，荔枝、柑橘等水果品质优良，是市场上 的"抢手货"。然而，随着种植规模扩大，采购有机肥、升级灌溉设备与拓展销售渠道所需的资金压力， 曾让她的创业之路步履维艰。 转机出现在农行广州从化支行普惠金融党员先锋队的一次 ...

"理念创新、产品创新、服务效率都让我意想不到。"提起邮储银行安徽省分行对企业的帮助，安徽卓朴 智能装备股份有限公司董事长方建辉说。 作为国内数控金属切削机床行业的领军者之一，卓朴智能虽长期保持营收增长，但高额的研发投入叠加 下游回款周期延长等困难，使其一度面临资金压力。 "了解情况后，邮储银行安徽省分行迅速响应，两周内即为我们量身定制6000万元授信加5000万元认股 安排的综合方案，及时解了我们的燃眉之急。"方建辉说。 科技创新离不开金融的有力支持。近年来，安徽聚焦做好科技金融大文章，让金融活水持续滋养科创沃 土，为培育新质生产力注入强劲动能。 作为新质生产力的重要代表，低空经济已成为安徽省芜湖市经济高质量发展的"新赛道"和"新名片"。芜 湖联合飞机科技有限公司隶属于联合飞机，专门从事无人机等装备的研发、生产和服务。企业首次进入 安徽，就选择落户芜湖航空产业园。 在公司"无人机基地及配套设施建设"项目备案初期，农行安徽分行就积极介入，成功为项目授信2亿 元，坚定了企业的发展信心。"得益于金融资金的有力支持，项目能够顺利推进，并陆续投入使用。"芜 湖联合飞机总经理闫怀强说。 公司所在的芜湖航空产业园是当地政府 ...

在公司"无人机基地及配套设施建设"项目备案初期，农行安徽分行就积极介入，成功为项目授信2亿 元，坚定了企业的发展信心。"得益于金融资金的有力支持，项目能够顺利推进，并陆续投入使用。"芜 湖联合飞机总经理闫怀强说。 公司所在的芜湖航空产业园是当地政府打造的低空经济产业聚集区，目前已汇聚低空经济产业链上下游 企业近200家。近年来，为更好满足园区内上下游小微企业资金需求，农行安徽分行针对企业特点，主 动提供个性化金融服务，创新推出"微捷贷""抵押e贷""科技e贷"等重点产品，持续优化金融服务，降低 企业融资成本，助力低空经济发展壮大。 截至2025年9月末，农行安徽分行通过线上、线下信贷产品相结合的方式，累计为园区小微企业发放各 类贷款8500万元，支持企业超30家。 "下一步，我们将提供多元化综合金融服务，持续优化信贷政策与审批流程，落实减费让利政策，为企 业提供更便捷、贴心的专属金融服务。"农行湾沚区支行行长马丽说。 走进位于安徽省池州市的安徽星河动力装备科技有限公司总装车间，中大型可重复使用液体运载火 箭"智神星一号"正在紧张组装中，其正式投入商业运营后，可为商业卫星发射提供低成本、大载荷运 力。 "理念创 ...

展望未来,农行惠民县支行将持续深化"金融+产业链"服务模式,以更精准的信贷投向、更灵活的服务举 措、更高效的审批流程,助力惠民绳网产业提质增效、迈向高端,全力护航这一特色产业打造全国领先的 发展标杆。 在山东滨州惠民县,一根细绳织就大产业——惠民绳网年产值超300亿元,不仅撑起县域经济"半壁江山", 更稳居全国乃至全球市场核心地位。然而,该产业"轻资产、订单急"的特性,让集群中占比极高的中小微 企业长期面临资金短缺、抵押不足、抗风险能力弱等痛点,精准有效的金融支持成为产业升级的关键抓 手。在惠民金融监管支局统筹引导下,农行惠民支行联动银行保险机构协同发力,推动金融活水从"单点滴 灌"升级为"全域覆盖",激活产业蓬勃发展新动能。 "为破解产业融资难题,我行因地制宜创新金融产品,推出'绳网-助业快e贷''科技e贷'等纯信用贷款。以企 业真实经营流水、有效订单合同为授信依据,既拓宽了融资渠道,更降低了准入门槛,让企业融资不用等、 办事少跑腿。"农行惠民县支行行长张会彬介绍。 依托国有大行的科技、资金优势,该行聚焦产业链升级需求,联动地方金融力量紧盯小微企业"短频急"融 资痛点,构建起"大中小微全覆盖、产供销全链条" ...

Group 1 - The core viewpoint emphasizes the importance of improving people's livelihoods while promoting high-quality economic development in Guangdong Province, as highlighted in the government work report and the Dongguan Municipal Party Committee meeting [2] - The "Hundred Million Thousand Project" is a key initiative aimed at integrating economic production, people's livelihoods, and ecological sustainability, marking a significant milestone in its three-year implementation [2] - The launch of the 7th Southern Metropolis Daily "Dongguan Citizen Praise List" aims to collect outstanding cases that demonstrate the project's effectiveness in enhancing economic production and people's well-being [2] Group 2 - Agricultural Bank of China Dongguan Branch has focused on inclusive finance, achieving rapid growth in inclusive loans and a steady decline in financing costs, serving over 20,000 small and micro enterprises with an inclusive loan balance exceeding 36 billion yuan by September 2025 [2][3] - The bank has introduced the "Inclusive e-Station" platform, leveraging technology to provide a one-stop online financial service for small and micro enterprises, enhancing the convenience of credit services [3] - The bank's innovative financial products, such as "Technology e-loan" and "Specialized and New 'Little Giant' Loan," are designed to support technology enterprises facing financing challenges [5] Group 3 - The bank employs a "one project, one plan" service model to provide tailored financial support to various industry clusters, enhancing the quality of inclusive finance [7][8] - The commitment to continuously optimize the inclusive financial service system aims to empower small and micro enterprises and support the sustainable development of the real economy [10]

Core Viewpoint - The article emphasizes the importance of county-level development in China's modernization, highlighting its role as a foundation for the national economy and a potential area for future domestic demand growth [2]. Group 1: County-Level Economic Significance - Counties connect urban and rural areas, covering over 90% of China's land and housing more than 600 million people, contributing nearly 40% to the national GDP [2]. - Understanding county dynamics is essential for grasping the resilience and potential of the Chinese economy [2]. Group 2: Financial Support for Agriculture - Agricultural Bank of China is focusing on long-term investment needs in agricultural technology and industrial upgrades, introducing specialized financial products like "Technology e-loan" and "Agricultural Machinery Loan" [9]. - The bank's support has enabled companies like Zhongyu Food to enhance their production capabilities, transforming wheat into high-value functional ingredients [6][9]. Group 3: Innovations in Agricultural Production - Innovations in agricultural machinery, such as hybrid power tractors and unmanned tractors with navigation systems, are being developed to improve efficiency and sustainability [7]. - Financial support is crucial for these technological advancements, enabling the transformation of agricultural productivity [7][9]. Group 4: Seed Industry Development - The seed industry is likened to the "chip" of agriculture, with significant financial backing needed for seed breeding and production [11]. - Agricultural Bank has provided substantial loans to seed companies, facilitating their growth and operational efficiency [12][13]. Group 5: Supply Chain Financing - Agricultural Bank's "Agricultural Bank Smart Chain" platform integrates financial services with supply chain management, providing financing solutions based on real-time data [16][18]. - This model has successfully supported companies like Wuzheng Group, enabling them to manage cash flow and enhance production capabilities [18]. Group 6: Digital Transformation in Agriculture - The formation of new agricultural productivity relies on digital support across the entire supply chain [21]. - Agricultural Bank is actively embedding financial services into local government initiatives, enhancing the alignment between financial resources and regional development goals [21][22]. Group 7: Community and Credit Building - The concept of "credit" is evolving into a digital asset for farmers, promoting responsible borrowing and community accountability [23]. - Initiatives like "whole village credit" have been implemented, resulting in significant loan disbursements and improved community dynamics [23]. Group 8: Post-Harvest Financial Solutions - Financial services are being tailored to address post-harvest challenges, such as grain drying and storage, ensuring efficient operations during critical periods [25][26]. - The integration of data-driven financial solutions is enhancing the efficiency of agricultural production and supply chain management [26].

Core Viewpoint - The article highlights the transformation of the agricultural sector in China, particularly focusing on the wheat industry in Shandong, where innovative practices and financial support are enhancing productivity and value creation in the agricultural supply chain [2][3][7]. Group 1: Agricultural Innovation - The wheat industry in Shandong is evolving from basic grain production to high-value functional raw materials, with companies like Zhongyu Food Co. leading the way in deep processing and extraction of functional components from wheat [2][7]. - The integration of technology in agriculture is evident through the development of advanced machinery, such as hybrid tractors and autonomous seeders, which improve efficiency and reduce energy consumption [3][8]. - Financial institutions, particularly Agricultural Bank, are playing a crucial role in supporting agricultural innovation by providing tailored financial products like "Tech e-loans" and "Agricultural Machinery Loans" to facilitate research and development [3][11]. Group 2: Financial Support and Impact - Agricultural Bank has provided significant financial support to companies in the agricultural sector, with Zhongyu Food receiving over 900 million yuan in loans to enhance its processing capabilities [7]. - In Heilongjiang, the bank's "Longjiang Seed Industry Special Loan" helped Xin Feng Seed Industry Co. with 5 million yuan to alleviate cash flow issues during the harvest season, demonstrating the bank's proactive approach to supporting local agricultural enterprises [5][6]. - The bank's innovative financing models, such as "Order e-loans" and "Supply Chain Financing," have enabled companies like Wuzheng Group to streamline their operations and improve cash flow management [9][10]. Group 3: Digital Transformation - The article emphasizes the importance of digitalization in agriculture, with Agricultural Bank leveraging data to enhance financial services and support local government initiatives [11][12]. - The integration of digital platforms allows for better credit assessment and resource allocation, as seen in the "Village Credit" model, which has facilitated over 500 billion yuan in loans across thousands of villages [12][13]. - Digital financial services are reshaping the agricultural landscape by providing farmers with access to credit based on their operational data, thus promoting a more efficient and responsive agricultural economy [15][16].

Core Viewpoint - The article highlights the significant role of Agricultural Bank of China (ABC) in supporting the development of the "Golden Pomelo" industry in Meizhou, Guangdong, which has become a major source of income for local farmers and contributes to rural revitalization [6][9][54]. Group 1: Industry Overview - Meizhou is known as the "Hometown of Golden Pomelo" in China, with 90% of the province's pomelo planting area and 20% of the national area, producing one out of every five pomelos in the country [2][3][11]. - The total planting area for Golden Pomelo in Meizhou is 649,500 acres, with an estimated total output of approximately 1,152,800 tons in 2024 [12][53]. - The entire industry chain of Golden Pomelo has an annual output value close to 10 billion yuan, benefiting over 100,000 farmers [4][54]. Group 2: Financial Support and Impact - ABC Guangdong Branch has provided over 1.678 billion yuan in loans to the Golden Pomelo industry, covering all aspects from planting, processing, sales, to research and tourism [8][50]. - The bank's "Huinong e-loan" program has issued 1.1 billion yuan to 5,682 households in the Golden Pomelo industry, alleviating financial pressures during production [24][25]. - The financial support has enabled farmers to expand their orchards and increase production, significantly improving their livelihoods [20][21][49]. Group 3: Product Diversification and Market Expansion - The Golden Pomelo industry in Meizhou is diversifying its product offerings, with potential for deep processing of various parts of the pomelo, including leaves, flowers, and peels [30][31]. - Meizhou has become the largest commercial production and distribution center for pomelo in the country, with a complete industry chain forming under the leadership of key enterprises [32][57]. - The financial services provided by ABC have facilitated the growth of enterprises like Jinyou Kang, which specializes in deep processing and high-value utilization of pomelo, allowing them to meet production demands and expand their market reach [34][42][58].

Core Viewpoint - Agricultural Bank of China Liaoning Branch emphasizes its commitment to "financial for the people" and has positioned inclusive finance as a key part of its development strategy, achieving over 50 billion yuan in inclusive finance loans by September 2025, serving 73,000 market entities [1] Group 1: Strategic Development - The bank has established a robust foundation for inclusive finance through top-level design, product innovation, and channel development, creating a new framework for high-quality development [2] - A comprehensive evaluation system has been implemented to optimize resource allocation, with a focus on creating a healthy credit culture through initiatives like the "Sunshine Lending" project [2] - The bank has developed credit products specifically for small and micro enterprises, providing over 5.8 billion yuan in loans to more than 2,500 businesses [2] Group 2: Channel Development - The bank has leveraged its extensive network of 804 branches to promote inclusive credit services, conducting over 6,300 marketing activities [3] - An online service platform called "Inclusive e-Station" has been launched to integrate various financial services, enhancing accessibility for clients [3] - Over 4,500 service points have been upgraded to facilitate financial services, effectively addressing the "last mile" issue in financial accessibility [3] Group 3: Targeted Financial Support - The bank has increased credit support for private enterprises, with a net increase of over 16 billion yuan in loans in the first three quarters, reflecting a growth rate of 30% [4] - Specialized financial products have been developed for technology-driven enterprises, achieving a loan growth rate of 34% for these sectors [4] - Green financing initiatives have led to the issuance of 31.3 billion yuan in green loans, marking a 72% year-on-year increase [4] Group 4: Industry-Specific Services - The bank has introduced innovative financing models for local industries, providing 14.3 billion yuan in credit to 30 key industry clusters [6] - In Donggang City, the bank has tailored financial solutions for specific agricultural sectors, resulting in 1.6 billion yuan in loans for rural industries [6] - A comprehensive financial service package was created for a local agricultural technology company, demonstrating the bank's proactive approach to supporting businesses in need [7]

Core Insights - The article emphasizes the importance of technological innovation as a core engine for high-quality economic development in Shenzhen, highlighting the efforts of China Construction Bank Shenzhen Branch in addressing financing challenges for tech enterprises [4][14]. Group 1: Financial Support and Growth - By September 2025, the balance of technology loans exceeded 250 billion yuan, with an increase of over 50 billion yuan since the beginning of the year, and loans for strategic emerging industries reached 150 billion yuan, growing by 45% [4]. - Shenzhen Construction Bank has provided financing services to over 20,000 tech enterprises, showcasing a comprehensive financial service system that includes specialized organizational structures and digital risk control [4][5]. Group 2: Specialized Financial Framework - The bank established a specialized organizational structure for technology finance, creating a multi-level system that enhances the professional and refined nature of tech financial services [5]. - Innovative credit products such as "Technology Easy Loan" and "Innovation Platform Loan" have been developed to meet the diverse needs of different types of tech enterprises [5]. Group 3: Digital Service Platforms - A digital service platform has been created to cater to the varying needs of tech enterprises based on their size and stage of development, significantly improving service quality and customer experience [7]. - Over 11,000 tech enterprises have utilized this platform, with nearly 6,000 receiving credit, resulting in a total loan amount exceeding 10 billion yuan [7]. Group 4: Collaborative Financial Ecosystem - The bank has built a collaborative financial service ecosystem through partnerships with government agencies and venture capital institutions, integrating various resources to support tech enterprises [11]. - Specific loan products have been developed in collaboration with local government bodies to enhance support for high-tech enterprises [11]. Group 5: Risk Management Innovations - Shenzhen Construction Bank has implemented a data-driven risk control mechanism, utilizing machine learning algorithms to create a unique evaluation model for small tech enterprises [13]. - The bank's intelligent post-loan management platform monitors over 100 indicators to enhance risk identification and prevention capabilities [13]. Group 6: Case Studies - Companies like Shenzhen Yuanwei Innovation Industrial Co., Ltd. have benefited from the bank's services, receiving loans that support their operational needs and growth [8][12]. - The bank's tailored services for different growth stages of tech enterprises demonstrate its commitment to providing comprehensive financial support [12].