"中小企业能办大事"，放眼我国经济版图，超6000万户中小企业遍布千行百业，贡献了我国60%以上的 GDP、70%以上的技术创新、80%以上的城镇劳动就业，小微企业更是不计其数。然而，滋养这片"毛 细血管网络"并非易事，五花八门的痛点、千差万别的行业，让普惠金融服务常常陷入"想帮却难帮到点 上"的困境。 日前，南方都市报社、湾财社携手中国人民大学中国普惠金融研究院，共同启动"中国普惠金融行"专题 系列报道，呈现鲜活生动的普惠金融服务案例、模式，探索数字时代普惠金融创新路径，栏目本期采访 华夏银行。 作为总部位于北京、辐射全国的股份制银行，华夏银行的做法"接地气"。既带着团队扎进市场一线，把 科技企业的专利价值、农户的种植周期、商户的交易流水摸得门儿清，又针对不同群体的痛点"量身定 制"方案。这种"笨功夫"和"实在心"将金融活水化成涓涓细流，让金融服务真正贴着产业走、跟着需求 变。 截至目前，中国累计培育科技和创新型中小企业超60万家，专精特新中小企业超14万家，专精特新"小 巨人"企业1.46万家。"小巨人"企业平均研发投入强度达7%，平均授权发明专利22项，高于同规模企 业。 然而，在这片生机勃勃的"创新沃 ...

Core Insights - The Ministry of Agriculture and Rural Affairs released the "Top Ten Innovative Financial Models and Typical Cases for Agricultural Financial Support in 2024," with Weifang's "Shandong Province's Innovative 'Agricultural Facilities + Financial' Model Supporting the Construction of a Trillion Yuan Flower Industry Cluster" being selected as a typical case [1][2] Group 1: Financial Innovations - Weifang has developed a new financial model combining "facilities + credit" to address the high investment and long cycle challenges in the flower industry, introducing products like "Talent Loan" and "Flower Loan" [1] - The "Facility + Platform Loan" model has facilitated the issuance of loans totaling 230 million yuan to seven research institutions, while the "Facility + Talent Loan" model has provided 54.9 million yuan in credit, aiding the production of over 100 million flower seedlings [1][2] Group 2: Industry Development - The flower industry in Qingzhou has been recognized as the top modern agricultural industry in the province, achieving a brand valuation of 34 billion yuan and ranking first in high-quality agricultural brands [1] - A financial service model involving "enterprises + cooperatives + members" has led to the issuance of 1.09 billion yuan in special loans to 155 members of 29 cooperatives [2] Group 3: Market Expansion - The introduction of the "Facility + Credit" model has supported the training of over 200 flower e-commerce influencers and more than 10,000 e-commerce practitioners [2] - Financial support has been extended to 12 flower processing enterprises, amounting to 91 million yuan, contributing to a market share of over 70% for temperature control facilities nationwide [2] Group 4: Future Plans - Weifang aims to summarize the effectiveness of financial support for rural revitalization and enhance the role of inclusive finance in promoting comprehensive rural revitalization [2]

Core Viewpoint - The article highlights the success story of a flower market entrepreneur in Guangzhou, showcasing the importance of innovative financial products tailored to the needs of small business owners in the agricultural sector [1][2][4]. Group 1: Company Overview - Guangzhou Yayu Ecological Environment Co., Ltd., led by Sun Mengjiang, operates in the largest flower market in Guangdong, known for its diverse flower offerings [1]. - The company has expanded to over 170 acres of planting base, with flowers being well-received in both domestic and international markets, including exports to Vietnam [3]. Group 2: Financial Support and Innovation - The Postal Savings Bank of China provided a specialized loan product, "Flower Loan," amounting to 700,000 yuan, to assist Sun Mengjiang in overcoming financial challenges related to seasonal planting [2]. - The bank's initiative reflects its commitment to supporting the agricultural sector and small businesses, particularly in addressing the unique financing needs of flower market vendors [4]. Group 3: Economic Impact - The flower business has positively impacted local farmers, increasing their wages from 2,000-3,000 yuan to 5,000-6,000 yuan, thereby improving their living standards [3]. - The growth of the flower industry contributes to rural economic development and enhances the livelihoods of local communities [3].