当前，我国经济运行面临不少困难和挑战，世界百年未有之大变局加速演进，世界经济增长动能不足、分化加剧，地缘局势动荡不安，国际政治、经 济、贸易面临巨大的风险和挑战。国内经济回升向好的基础还不稳固，有效需求仍然不足，社会预期和信心还需要进一步提振，推动高质量发展进入滚 石上山、爬坡过坎的关键吃劲阶段。越是形势严峻复杂，越要充分激发各类经营主体的活力、动力、创造力，除了要发挥国有企业在中国特色社会主义 经济中的"顶梁柱"作用，还要从"国之大者"的政治高度，切实增强支持民营企业和民营经济发展的使命感、紧迫感，发挥好民营企业提升经济发展动力 活力的"生力军"作用，共同推动中国经济这艘大船乘风破浪、行稳致远。 中国人民银行广东省分行党委书记、行长 张奎 同时，金融作为现代经济的核心和社会资源配置的枢纽，建立完善缓解融资约束、优化资本配置、驱动创新升级等机制，对民营经济的高质量发展具有 不可替代的重要意义。加大对广东民营经济的金融支持力度，对巩固广东高质量发展基础、激发经济活力至关重要。要正确理解金融服务民营经济的重 要意义，立足工作职责，久久为功，让金融活水真正润泽民营企业，助力民营经济茁壮成长。 近年来，中国人民银行广 ...

Core Viewpoint - Agricultural Bank of China Shandong Branch is committed to serving rural revitalization and has established multiple demonstration zones to support various regional economic initiatives, achieving significant social impact and recognition in financial assessments [1][2]. Group 1: Rural Revitalization Initiatives - The bank has created several demonstration zones, including Weifang, Linyi, Dongying, Heze, and Yantai, each focusing on different themes such as ecological protection, food security, and marine economy [1][2]. - It has introduced specialized financial products like "Grain Farmer e-loan," "Golden Garlic Loan," and "Pomegranate e-loan" to support agricultural production and rural development [1]. Group 2: Green Finance Development - The bank has implemented a "Green Finance Service System" to promote sustainable development, with green credit balance exceeding 3178 billion yuan, marking a 16.5% increase from the beginning of the year [3]. - The proportion of green loans in total loans has surpassed 25%, reflecting the bank's commitment to environmental sustainability [3]. Group 3: Inclusive Finance - Agricultural Bank of China Shandong Branch has developed a comprehensive digital inclusive finance product system, addressing the financing challenges faced by small and micro enterprises [3]. - As of May, the balance of inclusive loans reached 1837 billion yuan, with an annual increase of 252 billion yuan, serving over 285,000 small and micro clients [3]. Group 4: Elderly Financial Services - The bank has launched the "Agricultural Bank Pension" service brand, offering products like "Pension e-loan" and establishing senior-friendly service points [5]. - It has issued over 23 million social security cards and served more than 12 million elderly clients, with 1.6 billion yuan in loans allocated to the pension industry in the first five months of the year [5]. Group 5: Collaboration with Government and Enterprises - The bank emphasizes cooperation with government and enterprises to enhance financial service delivery, particularly through the "Financial Directly Reaching the Grassroots" initiative [6][9]. - It has successfully streamlined approval processes, significantly improving efficiency and facilitating a loan of 25 million yuan to support a key enterprise [9].

Core Viewpoint - The article highlights the resilience and vitality of China's foreign trade, showcasing the role of Qingdao Rural Commercial Bank in supporting small and micro foreign trade enterprises through innovative financial services and products [1][2][10]. Group 1: Foreign Trade Growth - China's foreign trade has shown remarkable growth, with electric vehicle exports increasing by 19% in the first five months of the year, and imports and exports to ASEAN and Africa growing by 9.1% and 12.4% respectively [1]. - The bank has supported over 13,000 foreign trade enterprises, nearly half of the total in Qingdao, demonstrating its significant impact on the local economy [2]. Group 2: Financial Innovation - Qingdao Rural Commercial Bank has introduced various innovative financial products, such as the "China-Pakistan Clearing Express" which offers up to 75% savings on transaction fees for cross-border settlements [2][5]. - The bank's "Foreign Trade Boost Loan" allows enterprises to apply for loans without collateral, providing financing support through credit and intellectual property pledges [5][6]. Group 3: Digital Transformation - The bank has integrated foreign trade data into its credit assessment system, transforming previously unused data into valuable assets for financing [6][7]. - The "Tariff e-loan 2.0" product has supported 1,379 enterprises with a total credit limit of 405 million yuan, showcasing the effectiveness of data-driven financial solutions [6]. Group 4: Risk Management - Qingdao Rural Commercial Bank emphasizes a balanced approach to risk management, implementing a comprehensive risk control system while maintaining rapid business growth [8][9]. - The bank has established a differentiated credit policy based on industry and development stage, ensuring tailored financial services for small and micro enterprises [9]. Group 5: Future Outlook - The bank aims to deepen its focus on supporting agriculture and small enterprises while leveraging its advantages in international business to create a resilient cross-border financial ecosystem [10][11]. - The commitment to digital finance and expanding cross-border services is expected to enhance the bank's role as a financial partner for small foreign trade enterprises [10].

围绕"工、商、农、科"四大客群,工行德州分行构建起"数字普惠+供应链金融+乡村振兴"的三维服务体 系。在数字普惠领域,依托e抵快贷、e企快贷等产品,今年新增抵押类贷款4亿元,其中首笔500万元"e扩快 贷"成功落地,为轻资产企业开辟融资新渠道。经营快贷通过开放获客功能,实现全线上化审批,客户从申 请到放款平均时效压缩至2.3小时,新增信用贷款3.44亿元。服务乡村振兴方面,该行创新推出"种植e 贷""养殖e贷"等特色产品,截至5月末涉农贷款余额突破200亿元,其中普惠型涉农贷款增速达16.45%,高于 全行涉农贷款增速4.4个百分点。通过"政府增信+农担合作"模式,为432户新型农业经营主体提供融资支 持,某草莓种植大户获得300万元贷款后,种植规模扩大3倍,带动就业120余人。 机制创新 深化服务覆盖 日前,中国人民银行德州市分行公布2025年一季度小微企业信贷政策导向效果评估结果,工行德州分行凭 借优异的业绩和多维创新实践,获评"优秀",这也是当地唯一获此殊荣的国有商业银行。荣誉的取得,标志 着该行在普惠金融领域的深耕细作取得阶段性成果,其"党建铸魂、内控筑基、创新赋能"的三维发展模 式,为金融服务实体经 ...

民营企业座谈会召开后，支持民营经济高质量发展的氛围更加热烈、举措更加详实。金融作为民营经 济发展中不可或缺的重要力量，各金融机构同样以多措并举的实招硬招全力为民营经济发展蓄势聚 能，作为地方金融主力军的青岛农商银行便是其中之一。 据了解，2024年，青岛农商银行支持民营经济额度突破1100亿元，服务民营企业客户突破4400 户。 数据背后是民营企业对服务的认可，也是青岛农商银行践行"金融报国、金融为民"初心使命的真实 见证。特别是面对当前风云多变的国际形势，民营企业"出海"成为发展中的优选路线。青岛农商银 行在这一方面同样具有明显优势，成为以"金融之舟"助力民营企业"破浪出海"的重要力量。 青岛农商银行国际业务起步于2005年，可谓与青岛对外贸易发展一直陪伴式成长。据统计，目前青 岛农商银行服务国际贸易类企业达到1.2万余户，占全市国际贸易类企业一半以上。 特别是近年来随着国内企业出海拓展步伐的加快，青岛农商银行国际业务同样发展迅速。以国际结算 量数据为例，2012年仅有39亿美元，到2024年已达到260亿美元，实现了近7倍增长，可见业务发 展势头之猛。 据悉，青岛农商银行国际业务具有"速度快、费率优、产品 ...