转自：新华财经 工行防城港分行深入挖掘处于成长期，有潜力、有市场、有前景但尚未获得贷款的小微企业，有针对性 地进行拓展，实现"无贷户—培育户—首贷户"的转变。截至2025年6月30日，该行普惠贷款余额比年初 增2.42亿元，增幅19.58%；普惠贷款户数比年初增192户，增幅15.16%。 精准获客。该行围绕本行结算账户企业、小微企业园区企业、产业链供应链上下游企业，以及监管机构 和行业主管部门提供的各类小微企业清单，充分依托相关信息资源，精准列出目标拓展客户，主动对 接，深入摸排经营主体融资需求，分层分批挖掘和发现新的授信贷款目标客户并建立形成首贷户储备 库。 破解难点。该行运用大数据分析和金融科技技术能力，形成对企业信用、真实交易背景和物流、信息 流、资金流的基本判断，为授信提供有效的佐证参考，同时借助企业纳税、水电气、社保、公积金等信 息，破解"缺信息"的难题，并对接市场、园区、商圈、供应链上下游企业，解决"获客难"的问题。 产品支持。该行精准服务小微客群，构建"政策+商业""抵押+信用"的金融产品支持体系，充分发挥政策 性金融产品对企业的支持作用，持续提高首次获得贷款企业的占比，同时构建信用类经营快贷 ...

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]