多维发力，筑牢民企金融支撑闭环。该行深化小微企业融资协调机制，精准对接需求，以"千企万户大 走访"专项活动为抓手，积极对接上级及相关部门获取重点企业名单，推进意向客户全覆盖走访，常态 化开展民企走访调研，动态把握民营经济脉搏，精准推介创新融资、供应链融资等金融产品，加大信贷 政策倾斜，以"靠前服务"提升融资可得性。同时借助"工银普惠行"等活动，大力推广"经营快贷""网贷 通"等产品，并畅通线上融资渠道，有效满足小微、涉农企业"短频急"融资需求。该行上半年走访了小 微企业1000余户，授信超850户次，构建了"走访 - 对接 - 授信"全流程服务闭环，确保该行金融服务精 准直达民营企业。 直面挑战，破解民企发展与融资痛点。该行积极创新制造业信贷产品和融资模式，根据各企业发展特点 开展金融赋能，为企业量身定制金融方案。如围绕广西某纸业有限公司，构建供应链金融服务体系，累 计为其上下游企业发放融资超900万元，有效疏通了其产业链融资"堵点"。同时，根据该企业设备更新 的需求，精准匹配"桂惠贷-节水贷"等政策红利，金融支持企业设备更新，驱动制造业转型升级。针对 某农产品加工企业前期应收账款回笼缓慢、资金周转难题，该行 ...

新华财经北京8月1日电（成玲丽可达叶海成）工行河北省分行恪守金融服务实体经济的本源使命，以数 字化转型为强劲引擎，精准聚焦小微企业、个体工商户、涉农主体等市场主体，供给多层次、多样化的 普惠金融服务，持续提升服务质效，推进普惠金融高质量发展。2024年以来，工行河北省分行连续五个 季度取得人民银行金融服务小微企业信贷政策导向效果评估工作"优秀"档次。 截至今年6月末，工行河北省分行普惠贷款余额达1660亿元，较年初增加467亿元，增速高达39%，增 量、增速两项核心指标均领跑系统内及可比同业，惠及小微企业超14.6万户。 据工行河北省分行普惠金融事业部相关负责人介绍，近年来，工行河北省分行加力发展普惠金融，深入 落实支持小微企业融资协调机制，扎实开展"千企万户大走访"活动，实现"白名单"内企业对接全覆盖， 升级"经营快贷、网贷通、数字供应链"三大数字产品体系，推出"河北特色产业贷""种植e贷""青创 贷""聚链e贷"等创新产品。现在，工行河北省分行的784个网点，每个网点都能做普惠金融业务。 7月21日，由雄安新区重点打造的首家现代化室内便民市场——国夏城智慧便民市场投入试运营。 在这里，随处可见工行的支付工 ...

Group 1 - The core viewpoint of the articles highlights the effective measures taken by the Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch to address the financing difficulties faced by small and micro enterprises, thereby promoting high-quality development of inclusive finance and contributing to local economic stability [1][2] - As of the end of June, the bank's inclusive loan balance increased by 242 million yuan, representing a growth rate of 20%, while the number of clients benefiting from inclusive loans rose by 192, marking an 18% increase since the beginning of the year [1] - The bank has implemented targeted strategies to identify and meet the financing needs of small and micro enterprises through initiatives such as the "thousand enterprises and ten thousand households" outreach program, ensuring precise and efficient service delivery [1] Group 2 - The bank has developed a diversified product support system that combines "policy + commercial" and "collateral + credit" to meet the varied needs of small and micro enterprises, focusing on three core product lines: credit-based "operating quick loans," collateral-based "online loans," and transaction-based "digital supply chain" [2] - This year, the bank successfully issued its first "Assist Business e-loan" and "Agricultural e-loan" in the region, effectively addressing the flexible financing needs of small individual operators and enhancing their satisfaction with financial services [2]

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 implementation plan aims to establish a high-quality inclusive financial system over the next five years, promoting common prosperity and optimizing the inclusive financial service system [1] - The plan includes enhancing the inclusive financial service system, consolidating the inclusive credit system, and strengthening the inclusive insurance system [1] - Specific measures involve improving the multi-level inclusive financial institution system, enhancing credit services for small and micro enterprises, and developing specialized insurance products [1][2] Group 2 - Experts believe the implementation plan will improve the quality and efficiency of inclusive financial services, promote balanced distribution of financial resources, and enhance risk management [2] - The banking and insurance sectors are expected to accelerate technological investments and innovate service models, such as smart credit and digital rural finance [2] - As of Q3 2024, the balance of loans for small and micro enterprises reached 79.8 trillion yuan, with inclusive loans for small micro enterprises growing by 14.7% year-on-year [2] Group 3 - Supporting the high-quality development of small and micro enterprises is essential for stabilizing the macro economy and promoting employment [3] - Regulatory bodies are encouraging financial institutions to innovate products and expand inclusive financial services [3] - Analysts predict that the banking sector will see significant performance improvements due to coordinated fiscal and monetary policies, and a favorable interest rate environment [3] Group 4 - Industrial and Commercial Bank of China (ICBC) is a leading bank in inclusive financial loans, offering online products like "Business Quick Loan" and "Online Loan" [4] - Agricultural Bank of China (ABC) has a high coverage rate in rural areas and provides various online products to support agricultural financing [5] - Ping An Insurance has developed a model combining credit guarantee insurance with bank loans to assist small micro enterprises lacking collateral [5]

Core Insights - The sustainable development reports and ESG reports released by listed banks indicate a significant shift in the focus of the six major state-owned banks towards inclusive finance, transitioning from policy mandates to operational consciousness [1][3] - The six major banks are demonstrating unprecedented innovation and are entering a new phase of high-quality development in inclusive finance, particularly in serving the real economy [1][3] Group 1: Inclusive Finance Growth - The six major banks have shown rapid growth in inclusive finance loans, particularly for small and micro enterprises, with significant increases in loan balances [2][3] - As of the end of the reporting period, the loan balances for inclusive small and micro enterprises were as follows: Industrial and Commercial Bank of China (ICBC) at 2.89 trillion yuan (up 29.9%), Agricultural Bank of China (ABC) at 3.23 trillion yuan (up 31.3%), and China Bank at 2.28 trillion yuan (up 29.63%) [2][3] Group 2: Loan Interest Rates - The annualized interest rates for newly issued loans by the six major banks have been decreasing, with rates for Postal Savings Bank, Construction Bank, Agricultural Bank, ICBC, China Bank, and Transportation Bank at 4.16%, 3.54%, 3.44%, 3.30%, 3.24%, and 3.23% respectively, showing a decline of 45 to 20 basis points year-on-year [3][3] Group 3: Digital Transformation - The six major banks are leveraging digital transformation to enhance the coverage and efficiency of inclusive finance services, addressing the challenges of financing for small enterprises [4][5] - ICBC has introduced digital inclusive finance products such as "Business Quick Loan" and "Digital Supply Chain Financing," while ABC's "Agricultural Cloud Loan" has a balance of 5.73 trillion yuan, serving over 650,000 users [4][5] Group 4: Ecological Development - Inclusive finance is evolving towards a multi-dimensional ecological model, integrating with other sectors to enhance service reach and reduce customer acquisition costs [7][8] - China Bank is creating a "Cross-Border Financial Ecological Circle" to serve export-oriented enterprises, while ICBC is collaborating with government platforms to expand inclusive finance [7][8] Group 5: Green Inclusive Finance - Green inclusive finance is emerging as a significant opportunity for future development, with banks encouraged to innovate financial products that support sustainable development for small and micro enterprises [8] - Experts suggest that banks should develop green supply chain products and integrate green finance with inclusive finance to create synergistic effects [8]

过去一年，本行在复杂严峻的外部形势中保持了稳中求进、量质并进的增长态势。全年实现净利润 3669.46亿元，同比增长0.5%;年末不良贷款率1.34%，下降2个基点;拨备覆盖率214.91%，上升0.94个百 分点;资本充足率上升至19.39%，稳居全球大行前列; A、H股股价(不复权)年度涨幅分别达44.8%、 36.4%，显示出资本市场的认可。 一年来，我们坚持以习近平新时代中国特色社会主义思想为指导，深入学习贯彻党的二十届三中全会和 中央金融工作会议精神，立足40年再出发，迎难而上、奋勇争先，主要经营目标顺利完成，"五化"转型 扎实推进，核心竞争力稳步提升，在向现代银行更高处攀登中书写了高质量发展的新篇章。 智通财经APP讯，工商银行(01398)发布截至2024年12月31日止年度业绩，本行取得利息净收入人民币 6374.05亿元(单位下同)，同比减少2.7%;营业收入7861.26亿元，同比减少2.52%;归属于母公司股东的净 利润3658.63亿元，同比增加0.51%;基本每股收益0.98元，拟派发末期普通股现金股息每10股派发1.646 元(含税)。 这篇章裡，服务实体是不变的初心和使命。牢牢把 ...