2026年1月15日，省农业农村厅、恒丰银行、省农担公司、省担保集团、人保财险山东公司五方战略合 作签约仪式在济南市山东大厦成功举行。这是政银保担各方落实省委"十五五"规划建议和省委经济工作 会议精神的重要举措，也是更好支持打造高质量"齐鲁样板"的具体行动。各签约方，客户代表共100多 人出席并见证此次签约，各方聚焦服务"三农"、助力乡村振兴，构建全方位、多层次、可持续的金融支 农合作新机制。 恒丰银行董事长在讲话中表示，山东省是农业大省，解决好"三农"问题，对山东意义重大，恒丰银行将 充分发挥"扎根山东、总部驻济"服务优势，在省农业农村厅指导支持下，整合更多资源，助力乡村振兴 齐鲁样板提档升级，积极服务现代化强省建设。恒丰银行将以此次战略合作为新起点，打造合作样板， 建立常态化会商联系机制，加强信息、渠道、模式等层面的共享互通，构建有韧性可持续的金融服务生 态圈；聚焦"齐鲁粮仓"建设、现代农业发展、重点片区建设等乡村振兴关键领域，依托数字化转型，灵 活采取"政银""银担""银保"等多种方式，切实破解客户融资难题；倾斜资源力量，加大对省农担、省担 保集团授信支持，为战略签约各方及下属成员单位，在资金结算、个人 ...

9月23日，恒丰银行与福建省金服云征信有限责任公司系统对接启动仪式在福州举行。双方将在数据融合应用、场景金融创新等方面开展更深层次探索，构 建新型政银企合作模式，共同打造普惠金融新生态，助推福建实体经济高质量发展。 近年来，恒丰银行将发展普惠金融作为服务实体经济的重要抓手，利用科技赋能持续完善服务体系，推出"科创贷""经营通""数智快贷"等数字化普惠贷款产 品，覆盖不同行业、不同发展阶段小微企业的融资需求。这些产品依托大数据风控和线上化平台，简化申请材料，优化审批流程，实现"让信息多跑路，让 企业少跑腿"。五年间，普惠型小微贷款年均复合增速超38%，客户数增长超过3倍。 "金服云"平台由福建省金服云征信有限责任公司建设运营，是"数字福建"建设的重要成果之一。恒丰银行长期通过债券投资支持其母公司业务发展，助力平 台建设。作为福建省重要的金融基础设施，该平台已汇聚33个政府部门公共数据，收录全省760万户企业超亿条信用信息，形成多源多维的数据结构体系， 在破解民营中小微企业融资难题方面展现出了显著成效。 据介绍，与"金服云"平台实现系统对接后，恒丰银行将可直接调用平台提供的20款征信产品和服务，为企业精准画像，满 ...

Core Viewpoint - Successful inclusive finance in China should achieve significant results in six areas: broader access to basic financial services, easier financing for businesses, stronger financial support for rural development, improved financial consumer education and protection, enhanced financial risk prevention, and a more complete inclusive finance support mechanism [1] Group 1: Inclusive Finance Development - Hengfeng Bank has consistently focused on serving the real economy and supporting small and micro enterprises through product innovation and technology empowerment, significantly contributing to inclusive finance [1] - As of May 2025, Hengfeng Bank's small and micro loan balance reached 179.808 billion yuan, a 9.62% increase from the beginning of the year, with a notable rise in loans to manufacturing and technology enterprises [1] Group 2: Growth Metrics - From 2019 to 2024, Hengfeng Bank's inclusive small and micro loan balance grew from 11.3 billion yuan to 57 billion yuan, with an average annual compound growth rate exceeding 38%, and the number of clients increased from under 9,000 to over 34,000 [9] - Hengfeng Bank has successfully reduced the average interest rate on small and micro loans by 30 basis points since the beginning of the year, enhancing financial support for small enterprises [9] Group 3: Financial Product Innovation - Hengfeng Bank has developed a diverse range of inclusive financial products, including five major offline product categories and six online product categories, to meet the varied financial service needs of small and micro clients [14] - The bank has launched specialized products for different sectors, such as "Park Loan" for industrial park enterprises and "Science and Technology Loan" for technology-based small enterprises [14] Group 4: Digital Transformation - Hengfeng Bank is advancing its digital transformation by building a digital credit comprehensive service system, which has facilitated the issuance of inclusive loans totaling 6.6 billion yuan, with a remaining balance exceeding 5 billion yuan [12] - The bank has established a digital model system for credit processes, implementing various digital projects to enhance operational efficiency [13] Group 5: Regional Focus and Support - Hengfeng Bank is expanding its financial services based on regional characteristics, launching products tailored to local economic needs, such as "Good Cow Quick Loan" and "Good Grain Quick Loan" in Shandong [16] - The bank is committed to supporting rural revitalization by developing a comprehensive financial service system that integrates various industry models and local advantages [17]

Core Viewpoint - Hengfeng Bank actively engages in supporting small and medium-sized enterprises (SMEs) through financial services, showcasing its commitment to serving the real economy and addressing the financing needs of businesses in Shandong Province [3][4]. Group 1: Financial Support Initiatives - Hengfeng Bank participated in the "Together to Benefit Enterprises, Financial Assistance to Enterprises" event organized by the Shandong Provincial Political Consultative Conference, conducting on-site research to understand the financial service needs of local enterprises [1]. - The bank has developed a series of financial products, such as "Park Loan," tailored for park enterprises, covering various stages of development, including property acquisition and operational financing [3]. Group 2: Loan Growth and Performance - As of May 2025, Hengfeng Bank's micro-loan balance reached 179.808 billion yuan, reflecting a year-to-date growth of 9.62%, with a significant increase in loans to manufacturing and technology enterprises [3]. - The bank has established partnerships with 120 park operators and supported over 1,500 enterprises, enhancing its service model to meet diverse financial needs [3]. Group 3: Cost Reduction Measures - Hengfeng Bank is focused on reducing financing costs for enterprises, with the average interest rate for micro-loans decreasing by 30 basis points since the beginning of the year, effectively addressing the issue of high financing costs [4].