街边小店、初创小微企业是城市乡村最鲜活的"烟火气"，却往往受困于经营分散、财务不规范，被传统 信贷审核挡在门外，不少经营者想贷不敢贷、急贷贷不到。中国人民银行河南省分行主动引导金融机构 深挖资金流信用信息核心价值，让这些"小主体"的经营数据"说话"，把分散在账表里的"软信息"变成银 行认可的"硬信用"，让普惠金融真正"普"到千家万户、"惠"到经营末梢。 截至目前，河南省依托资金流信息平台共为5855家企业发放普惠类贷款182.2亿元。其中，河南某粮油 公司的经营颇具行业特性：结算账户分散、同户名账户多、公转私频繁，传统模式下金融机构需耗费大 量人力核验流水，效率较低。招商银行郑州分行借助资金流信息平台，一键整合企业账户收支数据，快 速厘清企业经营收支曲线，破解"风险难评估"困局，为企业授信1000万元。老板感叹道："原来小微企 业贷款也能这么省心。" 中小微企业是经济肌体的"毛细血管"，是稳增长、保就业、激活创新的活力源泉。作为经济大省、人口 大省、农业大省，河南始终把服务中小微企业、激活市场主体活力放在重要位置。全国中小微企业资金 流信用信息共享平台（以下简称"资金流信息平台"）上线以来，中国人民银行河南省 ...

自全国中小微企业资金流信用信息共享平台(以下简称"平台")2024年10月25日上线试运行以来，人民银行吉林省分行按照"人行搭台、金融赋能、企业受 益"的工作原则，积极向社会主体推广平台应用，成功打造吉林省企业信用报告+资金流水信息"双轮驱动"的征信助企融资新格局。一年来，省内银行累计应 用平台查询超2万笔，支持中小微企业融资2500余笔、金额超60亿元，其中首贷金额近5亿元。 跑出平台推广应用"加速度" 为了让平台迅速在吉林省实现落地应用，惠及更多中小微企业，人民银行吉林省分行第一时间制发工作方案，从企业提升认可、银行接入应用、银企双方对 接三个维度出发，营造"愿用、能用、好用"的良好生态。 首先是提升企业认可度。依托人民银行吉林省分行微信公众号、长春广播电视台等媒介，打造"图文并茂、声像俱佳"的宣传方式，让平台宣传更有热度、有 温度、有深度。在全省人民银行系统、金融机构营业网点设立平台宣传"流动站"，打造"全覆盖式"宣传矩阵，锚定有融资需求的企业群体，精准滴灌、靶向 施策，提高企业对平台的认可度。 其次是深化平台推广应用。面向辖内银行机构开展"线上+线下"平台应用推广专题培训，组织银行工作人员学习平台操作 ...

金博会现场，工行深圳市分行的展台前人头攒动。 工行深圳市分行展位部分产品展示。 在科技金融展区，观众的目光聚焦在一架外骨骼机器人上。碳纤维材质的机器人正在帮助体验者尝试各 类动作，整体显得尤为轻盈。这项产品正是来自深圳市肯綮科技有限公司，其已经是国内外骨骼机器人 四大头部厂商，展出的量产型号"π"外骨骼已经在泰山、黄山等景区规模运营。 在企业发展的关键期，深圳工行给予全方位的金融支持，帮助其实现技术转化落地、扩大生产规模、加 强市场推广，进而完成产品的规模化销售和品牌知名度的提升。 深圳是全国科技创新高地，在这里，每平方公里孕育着超12.5家国家级高新技术企业，PCT国际专利申 请量更是连续21年居全国首位。像肯綮科技这样的科技企业因"高技术、高成长、轻资产"的特性，往往 与银行传统信贷逻辑存在错位。如何破解科技企业的融资难题，为深圳城市发展持续注入鲜活动力？深 圳工行在活动现场展示了其在产品、机制、技术三方面的成果，全方位呈现适配科技企业发展的金融服 务体系。 市民在工行深圳市分行展位现场参与体验互动。 11月19日上午，第十九届深圳国际金融博览会(以下简称"金博会")在深圳会展中心(福田)开幕，本届金 博 ...

Core Viewpoint - The 19th Shenzhen International Financial Expo showcases innovative financial products and services aimed at supporting the real economy, with a focus on technology finance and inclusive finance, highlighting the role of financial institutions in driving high-quality development in Shenzhen [1][12]. Technology Finance - Shenzhen is recognized as a national high-tech innovation hub, with over 12.5 national high-tech enterprises per square kilometer and leading the country in PCT international patent applications for 21 consecutive years [5]. - Shenzhen Industrial and Commercial Bank (ICBC) provides comprehensive financial support to technology companies like Kenqing Technology, facilitating technology transformation, production scale expansion, and market promotion [3][5]. - The bank has developed a full-cycle "technology innovation product group" to activate the value of intellectual property and equity assets, including the first copyright pledge financing in Shenzhen [6]. - A unique "three-in-one" evaluation mechanism has been established to assess technology companies based on talent structure, R&D capabilities, and intellectual property value, rather than traditional financial metrics [6][7]. - A digital platform has been created to enhance efficiency and accurately match the needs of technology enterprises, resulting in the approval of over 240 cutting-edge technology companies since its launch [6][7]. Inclusive Finance - Shenzhen ICBC has achieved a historic milestone with its inclusive loan balance surpassing 200 billion yuan, with an annual growth rate of 43% [11]. - The bank has introduced three major products—"Operating Quick Loan," "Online Loan," and "Digital Supply Chain"—to meet the diverse financing needs of small and micro enterprises [8][10]. - The "Park e-loan" product converts soft power indicators into quantifiable assessment metrics, enhancing service quality through data interaction with park operators [10]. - The bank's support has enabled companies like Shenzhen Tengxin Bainai Technology to secure funding for raw material procurement and R&D investments, contributing to their growth as specialized "little giant" enterprises [10]. Fifteenth National Games Finance - The bank has launched a series of financial products related to the Fifteenth National Games, including themed debit and credit cards, integrating sports, finance, and culture [12][15]. - The digital RMB hard wallet allows for seamless payment experiences, enhancing convenience for both local residents and international visitors attending the games [14][15]. - The bank's initiatives aim to transform spectator enthusiasm into tangible benefits for residents, showcasing its commitment to community engagement and support for major events [15].

聚焦产业升级，培育特色动能。立足贺州资源禀赋，工行贺州分行精准赋能碳酸钙、黄金珠宝、生态康 养等特色优势产业。该行创新金融服务模式，为产业集群量身定制综合金融解决方案，深化产业链金融 服务，相关领域贷款余额突破5.46亿元。特别是，上海黄金交易所工行贺州分行指定仓库于10月21日正 式启用，解决了当地黄金珠宝企业原料交割痛点，显著提升了资金周转效率，有力推动产业链与金融链 深度融合，促进特色产业做优做强。 践行普惠金融责任，服务乡村振兴。工行贺州分行将发展普惠金融视为服务民生、促进共同富裕的重要 路径。依托"经营快贷""税务贷""兴农通"等数字化普惠产品体系，持续拓宽小微企业、个体工商户融资 渠道，普惠型小微企业贷款余额达15.27亿元，服务客户数较年初增长24.87%。在服务"三农"方面，重 点支持高标准农田建设、特色种植养殖及农产品加工流通，涉农贷款余额稳步提升至20.5亿元，为乡村 振兴注入金融活水。 转自：新华财经 在"十四五"规划收官的关键阶段，中国工商银行贺州分行（以下简称"工行贺州分行"）紧密围绕贺州市 经济社会发展核心任务，聚焦服务实体经济主责主业，在支持产业升级、发展普惠金融、推动绿色转型 ...

"诚信兴商"银企融资对接活动工行专场。 近日，深圳市2025年"诚信兴商"银企融资对接活动工行专场顺利举行。本次活动由深圳市商务局主办， 中国工商银行深圳市分行(以下简称"工行深圳市分行")协办，吸引了来自全市各区的内外贸小微企业代 表参与。 作为深圳市响应中央健全社会信用体系、贯彻加快内外贸一体化协同发展的重要举措，此次活动聚焦跨 境出口、民生消费等重点行业，通过"银政企"协同联动的新模式，旨在为市场主体稳订单、拓市场、促 转型注入新的金融动能，进一步弘扬"诚信兴商、利企惠民"的营商理念，助力实体经济高质量发展。 深圳市商务局相关负责人出席活动并作致辞及政策宣讲，指出开展"诚信兴商"活动，是优化营商环境、 激发市场活力的关键举措。本年度活动将重点从三方面着力：一是扩大"诚信兴商"系列活动影响力，推 动诚信兴商宣传走深走实。二是助力营造"诚信受益"的社会氛围，推动金融机构加大对诚信企业支持力 工行深圳市分行普惠金融事业部产品专家分享了工行为商贸小微企业打造的经营快贷等专属普惠金融产 品。 度。三是推动商务信用体系建设高质量发展。以信用促进流通和金融高效衔接，发挥信用建设在扩大国 内需求方面的积极作用。 活动现 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is prioritizing support for autumn harvest and planting as part of its commitment to rural revitalization, addressing the financing challenges faced by agricultural operators through innovative products and services [1][2]. Group 1: Financial Support Initiatives - The bank aims to resolve the "difficult and expensive financing" issues for agricultural operators by implementing measures such as innovative exclusive products, service downscaling, and fee reductions [1]. - As of October 2025, the bank's agricultural loan balance is expected to exceed 3.7 billion yuan, an increase of over 700 million yuan from the beginning of the year, ensuring financial support during critical periods for grain production and rural revitalization [1]. Group 2: Innovative Product Offerings - The bank has developed a specialized product system called "Xingnong e-loan," which includes three main categories: "Planting Loan," "Manufacturing Loan," and "Circulation Service Loan," tailored to meet the financing needs of various agricultural sectors such as rice, Shatian pomelo, pig farming, and traditional Chinese medicine [1]. - Online "Business Quick Loan" services have been introduced to simplify processes and enhance financing accessibility, ensuring that funds reach agricultural operations promptly [1]. Group 3: Service Downscaling Efforts - The bank has mobilized a dedicated team to deepen service outreach, including the establishment of four county-level "Inclusive Youth Vanguard Teams" to conduct activities like "Xingnong Thousand-Mile Journey," providing financial knowledge and services directly to rural areas [2]. - Long-term village cadres are utilized to act as policy promoters and demand liaisons, identifying funding gaps for autumn harvest and planting while recommending suitable credit products [2]. Group 4: Cost Reduction Measures - The bank is actively reducing the financial burden on farmers by leveraging the "Huiqi Loan" interest subsidy policy, ensuring that farmers benefit from low-cost financing options [2]. - Efforts include waiving fees related to notarization, assessment, and mortgage registration for farmers, effectively lowering overall financing costs for production-oriented agricultural operators [2].

Core Insights - The new inclusive finance policy for 2025 aims to alleviate financing difficulties for enterprises by introducing a "light review of liabilities" credit loan program, with a credit pool formed by four major banks [1][4] - The program targets three types of enterprises: small and micro businesses, light asset innovative companies, and stable operating merchants, providing credit limits ranging from 700,000 to 9.2 million [1][3] Group 1: Key Features of the New Loan Program - High debt tolerance allows businesses with higher liabilities to access loans without being rejected based on historical debt details [3] - Credit limits are tailored to meet specific needs, starting from 700,000 for daily operations to 9.2 million for equipment upgrades and supply chain expansion [3] - Interest rates are significantly reduced, starting from 2.98%, which is 30% lower than the market average, potentially saving over 300,000 in interest for large loans [3] Group 2: Application Process and Requirements - Core application requirements include being established for at least one year, having a legal representative holding at least 5% of shares, and maintaining a good credit record [6][9] - Businesses must have a minimum tax payment of 5,000 in the last 12 months and must open a corresponding bank account [6] - The application process involves submitting necessary documents for preliminary review, with funding potentially available within 3 to 6 days after approval [12][8] Group 3: Real-World Examples - A Guangzhou electronics factory, previously rejected by three banks due to high debt, received 4.2 million in just four days through the "operating quick loan" channel, allowing for early production line launch [4] - A Hangzhou e-commerce company secured 2.8 million in six days to boost inventory for the peak season, resulting in a 180% increase in sales [4] Group 4: Additional Information - The program is available nationwide, excluding Hong Kong, Macau, and Taiwan, and is not applicable to certain industries such as finance and government [10][11] - The loan terms are flexible, with amounts ranging from 500,000 to 50 million, and repayment options include interest-first, principal later [8]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Wuzhou Branch is committed to serving the real economy and enhancing financial services for private enterprises, with a focus on key areas of private economic development [1][2] - As of September 2025, the bank's loans to the private economy increased by 492 million yuan since the beginning of the year, demonstrating its support for local private economic growth [1] Group 1: Financial Services and Product Innovation - The bank leverages its technological financial advantages to address the urgent financing needs of small and micro enterprises through various online inclusive loan products, such as "Quick Business Loan" and "Industrial e-loan," which streamline the loan process from application to disbursement [1] - Emphasis is placed on increasing credit loan issuance to lower financing barriers for small and micro enterprises, thereby providing continuous financial support for their growth [1] Group 2: Focus on Key Industries and Sustainable Growth - The bank utilizes its strong supply chain financial service system to extend the credit of core enterprises to their upstream and downstream small and micro private enterprises, effectively addressing financing challenges at the end of the industrial chain [2] - Support is directed towards advanced manufacturing and high-tech industries with core competitiveness and growth potential, ensuring that market research and project selection are conducted under controllable risk principles [2] Group 3: Tailored Financial Solutions - The bank actively integrates into Wuzhou's investment attraction development plan, focusing on key industrial clusters such as renewable resources, new materials, and pharmaceuticals, while providing specialized financing support [2] - By leveraging years of experience in serving private enterprises, the bank aims to identify and address financing bottlenecks, offering customized financial service packages to facilitate the transformation and upgrading of private enterprises [2]

Group 1: Financial Institutions and Technology Innovation - The National Financial Supervisory Administration is promoting financial institutions to increase support for technological innovation, establishing a multi-level technology financial service system [1] - A comprehensive policy framework for technology finance has been initiated, with a focus on enhancing credit services for high-tech enterprises and small and medium-sized technology companies [1] - By the end of Q3 2025, the loan balance for high-tech enterprises in both domestic and foreign currencies reached 18.84 trillion yuan, a year-on-year increase of 6.9% [1] Group 2: Agricultural Financial Services - The Agricultural Development Bank of China is focusing on creating four major professional brands to support agricultural development [5] - The bank aims to enhance food security and promote digital finance across the entire agricultural value chain [6] - It is also committed to supporting high-standard farmland construction and ecological protection through financial services [6] Group 3: Inclusive Finance Development - The China Banking Association emphasizes the importance of inclusive finance, aiming to meet the financial needs of small and micro enterprises, rural areas, and low-income groups [3][4] - By June 2025, the balance of inclusive loans for small and micro enterprises from large commercial banks reached 16.23 trillion yuan, which is 3.36 times that of the end of the 13th Five-Year Plan [3] - The banking sector is innovating products tailored to the operational characteristics of small and micro enterprises, increasing the proportion of first-time loans and credit loans [3] Group 4: Digital and Intelligent Financial Services - The Industrial and Commercial Bank of China is implementing digital reforms and has established a digital inclusive finance center to enhance service efficiency [7] - The bank has developed a financial big model and an intelligent decision-making engine to improve risk identification accuracy [7] - By focusing on inclusive finance, the bank aims to create a new service model that is precise, smooth, and intelligent [7] Group 5: Insurance Sector Innovations - The People's Insurance Company of China is enhancing insurance coverage for major national strategies and key areas, with an insurance liability amount of 2988 trillion yuan for 2024 [15] - The company is innovating in technology insurance and has launched various products to provide comprehensive risk protection for technological research and development [15] - It is also expanding green insurance offerings to support environmental sustainability initiatives [15] Group 6: Comprehensive Financial Ecosystem - Citic Bank is focusing on building a standardized system for inclusive finance, enhancing its product offerings and risk control mechanisms [11][12] - The bank aims to create a diversified service ecosystem by collaborating with various stakeholders to support small and micro enterprises [12] - It is committed to developing a more mature and rich product service system for inclusive finance [12]