农行东莞分行到企业走访调研。 近年来，农行东莞分行始终坚持以服务实体经济为本，紧跟国家战略导向与地方产业特色，通过创新金 融产品与优化服务模式，为东莞地区高质量发展注入源源不断的金融活水。 农行东莞分行聚焦东莞潮玩产业特点，主动对接潮玩企业需求，以"科技e贷""结算e贷"等普惠金融产品 支持中小型潮玩企业攻克资金难关，赋能产业发展。同时，该行坚守服务"三农"主责主业，以金融之力 润泽乡土，截至2025年6月末，涉农贷款余额超310亿元。 除了贷款支持，农行的惠民服务更是延伸至寻常百姓家，从"小优惠"到"大便利"，持续点燃消费新活 力。在东莞大型商超推出消费满减、支付立减、随机抽奖活动；在松山湖人才房、滨海湾新区高端社区 等项目，创新推出"置业+家装+智能家居"的一站式综合金融服务方案等，多维度焕新市民消费体验， 践行"金融为民"责任与担当。 科技赋能"撬动"潮玩发展 作为"中国潮玩之都"，全球动漫衍生品约1/4由东莞制造，中国近85%的潮玩产自东莞。这里汇聚了超过 4000家玩具生产企业，以及近1500家上下游配套企业。 在产业快速聚集发展的过程中，农行东莞分行以潮玩产业集聚镇区为重点，以产业金融生态图谱为指 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Dezhou Branch has been recognized for its outstanding performance in promoting inclusive finance, marking a significant achievement in its efforts to support small and micro enterprises [1][2]. Group 1: Party Building and Development Foundation - ICBC Dezhou Branch integrates party building into the entire process of inclusive finance, establishing a "Party Building + Inclusive Finance" dual-drive mechanism to align party work with business planning and execution [2]. - The branch has conducted over 50 themed party day activities and visited more than 600 enterprises, collecting financing needs amounting to nearly 400 million yuan [2]. - The implementation of the "Double 357" strategy ensures compliance and precision in inclusive loan disbursement, with the experience being promoted as a typical case by the provincial bank [2]. Group 2: Innovation and Service Quality Improvement - The branch has developed a three-dimensional service system focusing on "Digital Inclusion + Supply Chain Finance + Rural Revitalization," targeting four major customer groups [2]. - In the digital inclusion sector, the branch has added 400 million yuan in mortgage loans this year, with the first 5 million yuan "e-expansion loan" successfully launched [2]. - The average time from application to loan disbursement has been reduced to 2.3 hours, with new credit loans totaling 344 million yuan [2]. - Agricultural loans have exceeded 20 billion yuan, with a growth rate of 16.45% for inclusive agricultural loans, surpassing the overall growth rate of agricultural loans by 4.4 percentage points [2]. Group 3: Mechanism Innovation and Service Coverage - Since the launch of the small and micro enterprise financing coordination mechanism, the branch has visited over 4,000 enterprises, completing credit approvals for 2,300 enterprises with a total amount of 3 billion yuan [3]. - The branch has established an "online + offline" dual-service model, conducting 26 events to connect financial policies with enterprises' financing needs [3]. - Utilizing big data modeling technology, the branch has developed scenario-based products like "Tax e-loan" and "Settlement e-loan," allowing clients to apply for loans based on tax data and transaction flows, with maximum limits raised to 5 million yuan [3].