齐鲁晚报·齐鲁壹点 王旭奎 小微企业融资协调工作机制建立以来，东阿县已取得了阶段性成果，为了让更多小微企业受益，东阿金 融监管支局深入开展千企万户大走访活动，针对性开启"二次走访"及"三次走访"，联合多部门找原因想 办法，破解企业融资"坚冰"。截至7月底，东阿县普惠型小微企业贷款余额57.80亿元，较年初增长 9.93%，高于各项贷款增速6.42个百分点，切实提升了小微企业融资可得性。 "金融温度"让服务解锁"新可能" "没想到这么快就能拿到贷款！这下订单有了着落，今年的生产计划可以顺利推进了！"鑫淼智能装备 （聊城）有限公司负责人说。 今年以来，东阿金融监管支局聚焦科技、民营、外贸三大重点领域，持续推进小微机制"扩围增效"，督 导银行机构对有信贷需求的企业开通绿色通道，加快审查审批效率，切实提高广大市场主体的金融获得 感、满意度。截至7月底，通过千企万户大走访活动全县已有3826家民营企业获得贷款36.78亿元、79家 科技型中小企业获得贷款10.46亿元、28家外贸企业获得贷款1.89亿元。 山东东阿济韵阿胶制药有限公司是一家持有国药准字的三胶生产龙头企业，拥有全国最大胶类单体生产 车间。然而，前期银行走 ...

■本报记者 曹沛原 作为全国首个"国家森林城市"，贵阳以其夏季23℃均温、优质空气质量、秀美自然风光与独特人文景观 等诸多优势，成为热门避暑旅游目的地。 对于当地旅游服务从业者而言，火热季节带来的不仅是高峰客流，还有集中出现的资金周转需求。而工 商银行高效的数字普惠服务，如同一颗"定心丸"，给旅游服务从业者抢抓旺季机遇提供了保障。 破局"旺季愁" 在贵阳的一家旅行社，负责人正因面临资金周转缺口而发愁。随着旅游旺季到来，预订出游线路的人数 不断增长。如何迎接即将到来的客流高峰，直接关乎旅行社一年的经营成果。换新旅游大巴、开拓更多 旅游线路、预订特色旅馆餐饮……这些准备工作都需要在旺季到来前落实到位。 "企业的需求就是我们的行动指令。"工行贵阳分行相关负责人表示，"在了解到该旅行社的需求后，我 们立即行动，针对旅行社轻资产特点，推荐了工行数字普惠信用产品'经营快贷'。"从申请到贷款成功 发放，全程由客户线上操作，流程顺畅快捷，有效缓解了该旅行社旺季流动资金压力。同时，该分行还 配套提供便捷的结算、收款等一揽子金融服务，让旅行社更好地迎接客流高峰。 迎客"焕新颜" 工行贵阳分行数字普惠"及时雨"不仅滋润了旅行社，还 ...

转自：新华财经 工行北海分行坚决贯彻工行总行"服务高水平对外开放"要求，深入落实"春融行动2025"专项部署，全面 推广"工银e贸"外贸新业态服务体系，持续提升外贸金融服务质效。截至2025年7月末，该行累计投放贸 易融资折合人民币超4亿元，精准赋能区域外贸高质量发展，助力外贸企业扬帆出海、行稳致远。 聚焦需求，数字赋能破解融资瓶颈。针对轻资产进出口企业融资难题，工行北海分行以"跨境贷"等数字 普惠产品为抓手，提供高效便捷的融资服务。如，基于RCEP原产地证书及报关数据，为北海某服饰公 司3个工作日内发放70万元贷款，助力其拓展日本市场；通过电子单证替代纸质材料，为北海某生物科 技公司全线上办理300万元融资，实现72小时放款，及时保障其生产原料的进口采购。 强化风控，合规护航高质量发展。工行北海分行严守风险底线，以合规经营护航高质量发展。该行聚焦 存续期管理，建立健全贸易背景真实性动态核验、回款进度动态跟踪、行业风险前瞻预判三项机制。针 对大宗商品价格波动特点，预先制定包括动态追加担保、调整授信额度等在内的风险缓释预案，有效保 障贸易融资资产质量稳定，为服务高水平对外开放筑牢金融防线。（孙洁文 戴好） 编辑 ...

Core Insights - The report highlights the steady increase in rural residents' disposable income, which reached 11,936 yuan in the first half of 2025, reflecting a real growth of 6.2% after adjusting for price factors, surpassing urban income growth [1] - The transition period for consolidating poverty alleviation achievements and effectively connecting with rural revitalization is crucial, with financial institutions playing a significant role in supporting agricultural development [1] Financial Institutions' Role - Financial institutions are focusing on enhancing agricultural loan disbursement, with Guangxi Pingle Rural Cooperative Bank reporting a balance of 3.565 billion yuan in agricultural loans by June, and having issued 10,727 small credit loans totaling 451 million yuan, covering all towns and administrative villages in Pingle County [2] - The Agricultural Bank emphasizes the importance of maintaining a good growth momentum in county and agricultural loans, prioritizing financing for key areas such as food security and optimizing support policies on a county-by-county basis [12] Industry Development and Support - The report underscores the significance of industrial prosperity as a key aspect of rural revitalization, with financial products like "Business Quick Loan" and "Planting e-Loan" being introduced to support local enterprises and enhance production capacity [4][5] - The establishment of a rural credit system is highlighted as essential for modern rural economic development, with various financial institutions implementing credit value loans and creating credit databases to facilitate access to financing for farmers [6][8][9] Challenges and Future Directions - Key challenges identified include the impact of unpredictable natural risks on agricultural production, the lack of collateral for farmers and small rural enterprises, and insufficient professional talent to meet rural revitalization needs [11] - Financial institutions plan to enhance their agricultural financial service systems, improve service coverage, and leverage technology to streamline loan management processes [11][12]

Group 1: Financial Support for Marine Economy - The company actively implements the national marine power strategy, providing innovative financial services to support the high-quality development of the marine economy, with a financing balance exceeding 2.2 billion yuan by June 2025, an increase of 1.4 billion yuan from the beginning of the year [1] - The company addresses the financing difficulties of small and micro enterprises in the marine industry by promoting inclusive products like "Operating Quick Loan" and "Aquaculture e-loan," resulting in a 73.5% increase in loans for aquaculture and wholesale retail by June 2025 [1] Group 2: Support for Western Land-Sea New Corridor - The company focuses on upgrading transportation hubs to support the construction of the Western Land-Sea New Corridor, with a loan balance exceeding 800 million yuan for related projects by June 2025 [2] - The company has established a regular visiting mechanism to meet the seasonal funding needs of marine logistics enterprises, leading to a 24.8% increase in working capital loans for these enterprises by June 2025 [2] Group 3: Empowering Marine Industry Clusters - The company targets key industrial platforms like Tieshan Port (Linhai) Industrial Zone and Tieshan East Port Industrial Park, providing tailored financial solutions for industries such as green chemicals and high-end paper manufacturing [3] - The company employs a three-dimensional collaborative service model to enhance the resilience of industrial chains, including vertical support for power generation companies and horizontal collaboration with logistics enterprises [3] - The company plans to continue increasing financial support for the marine economy and optimizing financial service models for marine industry chains to contribute to regional economic development [3]

Core Viewpoint - Beihai City is accelerating the construction of a modern marine industry system, with a continuous upgrade in manufacturing transformation, supported by Industrial and Commercial Bank of China (ICBC) Beihai Branch's financial services aimed at high-quality local economic development [1][2][3] Group 1: Financial Support for Manufacturing - As of June 2025, ICBC Beihai Branch's manufacturing loans exceeded 4.9 billion yuan, representing a growth of 6.95% since the beginning of the year [1] - High-tech manufacturing loans reached over 2 billion yuan, with a significant increase of 46.17%, accounting for 41.52% of total manufacturing loans [1] - Loans in the electronic and communication equipment manufacturing sector surpassed 2 billion yuan, with a net increase of over 600 million yuan, reflecting a growth of over 46% [1] Group 2: Inclusive Financial Services - ICBC Beihai Branch has innovated inclusive financial service models, with loans for small and micro manufacturing enterprises exceeding 320 million yuan, marking an increase of over 46% [2] - The "credit + data risk control" model has been effective, with over 85% of newly issued small micro manufacturing loans being credit loans [2] - The average interest rate for newly issued manufacturing loans in the first half of 2025 saw a significant decrease, aiding in cost reduction for enterprises [2] Group 3: Risk Management and Service Quality - ICBC Beihai Branch emphasizes risk prevention and service quality, optimizing the credit asset term structure and enhancing risk monitoring [3] - A green channel for credit support has been established for key projects under the "Double Hundred and Double New" initiative in Guangxi Zhuang Autonomous Region [3] - The bank plans to further enhance financial support for the real economy and expand inclusive financial coverage, innovating service models for manufacturing clusters [3]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch is focusing on small and micro enterprises that are in a growth phase and have potential but have not yet obtained loans, aiming to transform "no loan customers" into "first loan customers" by June 30, 2025 [1][2] Group 1: Loan Growth and Customer Acquisition - As of June 30, 2025, the bank's inclusive loan balance increased by 242 million yuan, representing a growth rate of 19.58% compared to the beginning of the year [1] - The number of inclusive loan customers increased by 192, with a growth rate of 15.16% compared to the beginning of the year [1] - The bank is utilizing various information resources to accurately identify target customers, focusing on enterprises with settlement accounts, small and micro enterprise parks, and supply chain businesses [1] Group 2: Support and Problem Solving - The bank is conducting support activities that include policy promotion, financing connections, risk analysis, and payment settlement to help enterprises transition from "no credit" to "creditworthy" [2] - By leveraging big data and financial technology, the bank is addressing challenges related to information gaps and customer acquisition [2] - The bank is implementing a financial product support system that combines policy and commercial elements, as well as collateral and credit options, to enhance the availability of financial services for small and micro enterprises [2]

Group 1 - The core mission of the Industrial and Commercial Bank of China (ICBC) Beihai Branch is to serve the local economy and support the construction of industrial parks, aligning with national and local policy directions [1] - As of June 30, 2025, the loan balance for various industrial parks in Beihai City exceeded 1.4 billion yuan, with a net increase of 695 million yuan, representing a growth rate of 98% [1] - The bank actively supports major projects, providing strong financial backing for key industrial projects in Guangxi, with a total credit amount exceeding 1.2 billion yuan and project loans of 460 million yuan disbursed [1] Group 2 - ICBC Beihai Branch focuses on small and micro enterprises within industrial parks, employing a service philosophy of "in-depth frontline, precise docking" to address financing challenges [2] - By June 30, 2025, the bank had disbursed over 300 million yuan in loans to small and micro enterprises in the parks, while also implementing policies to reduce financing costs [2] - The bank introduced a specialized financing solution for the local marine economy, successfully providing 43.3 million yuan in loans to 17 fish farming households, thereby supporting the upgrade of local marine industries [2] Group 3 - In the future, ICBC Beihai Branch plans to continue refining its "one customer, one policy" service model, enhancing the availability and satisfaction of financial services for enterprises in industrial parks [3] - The bank aims to strengthen cooperation between government, banks, and enterprises, further tapping into customer potential to contribute to the high-quality economic development of Beihai City [3]

Core Viewpoint - The recent trend of decreasing interest rates for business loans from various banks, including China Merchants Bank, is aimed at reducing financing costs for small and micro enterprises, while also targeting quality customer segments [3][11][12]. Group 1: Interest Rate Trends - China Merchants Bank has introduced a promotional business mortgage loan with an annual interest rate as low as 2.7%, available until September 30 [4][5]. - Other major banks, such as Industrial and Commercial Bank of China and Jiangsu Bank, have also launched business loan products with interest rates reaching or falling below 3% [2][6][7]. - The competitive landscape has led to some banks offering business loans with interest rates as low as 2.2% for certain products [6]. Group 2: Loan Product Characteristics - The business mortgage loan from China Merchants Bank offers a maximum limit of 20 million, with a repayment period of up to 20 years [5]. - The approval process for these low-interest loans is more stringent compared to consumer loans, requiring businesses to meet specific criteria such as maintaining a good credit status and providing operational data [9][10]. Group 3: Market Dynamics and Policy Influence - The decline in business loan interest rates is influenced by both policy guidance aimed at lowering financing costs for the real economy and competitive market pressures [11][12]. - The current monetary policy remains accommodative, with measures like reserve requirement ratio cuts providing banks with lower funding costs, allowing for reduced loan pricing [11]. Group 4: Risks and Strategic Considerations - The trend towards lower interest rates may lead to increased credit risk as banks seek to expand their customer base, potentially impacting asset quality [15]. - Experts suggest that banks should innovate financial products and focus on effective market demand to balance business expansion with asset quality [17].

Group 1 - Major commercial banks are shifting their focus to micro and small enterprise operating loans, with several banks offering annual interest rates of 3% or lower for these products [1][2] - Among state-owned banks, the Bank of Communications offers significant advantages in personal operating loans, with a maximum limit of 10 million yuan and a minimum annual interest rate of 2.2% [1] - China Construction Bank has launched various microcredit products targeting specific industry segments, with interest rates as low as 3% [1] Group 2 - In the joint-stock bank sector, China Merchants Bank's mortgage operating loans are notable, with rates starting at 2.3% and a maximum limit of 20 million yuan [2] - Jiangsu Bank also actively participates in this market, offering mortgage operating loans with a maximum limit of 20 million yuan and an interest rate as low as 2.5% [2] - Analysts suggest that the competition among banks to lower operating loan rates is a temporary marketing strategy responding to macroeconomic policies [2][3] Group 3 - Experts emphasize the importance of differentiated competition for banks to attract micro and small enterprise clients, suggesting three key directions: scenario-based services, technology empowerment, and building a service ecosystem [3] - The need for banks to balance customer contribution and risk pricing is highlighted, with recommendations for enhancing customer experience through digital platforms and expanding non-credit financial services [3] - A dynamic risk control system is recommended, including tiered pricing based on customer credit ratings and industry conditions, as well as thorough monitoring of fund flows [3]