Core Viewpoint - The implementation of the "High-Quality Development Plan for Inclusive Finance in the Banking and Insurance Industries" is a significant step towards enhancing the accessibility and coverage of inclusive finance in China, reflecting the financial sector's commitment to serving the economy and the public [1][2]. Group 1: Development of Inclusive Finance - The coverage and accessibility of inclusive finance in China have significantly improved, with commercial banks expanding their reach and reducing financing costs [1]. - The People's Bank of China reported that by the end of Q1 2025, the balance of inclusive micro loans reached 34.81 trillion yuan, marking a year-on-year increase of 12.2% [2]. Group 2: Institutional Framework - The "Plan" emphasizes the establishment of a multi-tiered, widely covered, differentiated, and sustainable inclusive financial institution system, encouraging banks and insurance institutions to deepen their specialized mechanisms [2]. - Different financial institutions are encouraged to adopt differentiated positioning based on their operational characteristics to provide high-quality inclusive financial services [2]. Group 3: Innovations in Financial Services - The average interest rate for newly issued inclusive micro-enterprise loans was reported at 4.03% in the first two months of 2025, a decrease of 0.33 percentage points from 2024 [4]. - Technological advancements, such as AI and big data, are becoming crucial in enhancing the efficiency of inclusive finance, particularly in addressing the financing challenges faced by small and micro enterprises [4]. Group 4: Credit Assessment and Risk Management - The "Plan" calls for optimizing credit approval models and reducing reliance on collateral, which has been a significant barrier to providing credit to small and micro enterprises [6]. - Experts suggest that banks should innovate credit products and improve the efficiency of credit loan issuance, particularly for small enterprises with less tangible assets [7]. Group 5: Case Studies and Practical Applications - Agricultural Bank of China has integrated support for small and micro enterprises into its daily operations, focusing on key sectors like technology and foreign trade [3]. - China Bank has introduced the "Kehui Loan" product, utilizing a technology-based evaluation tool to assess the creditworthiness of tech-oriented small enterprises [5].

6月12日，中国工商银行江苏省分行（以下简称"工行江苏分行"）携手江苏省工商业联合会、中国信保江苏分公司在南京共同举办"携手跨境赋能，助推苏企 出海"服务企业走出去推进会，以"政策引领+资源整合+实战分享"为江苏企业深度融入海外市场搭建立体交流平台。现场参会企业近90家，来自新能源、生 物医药、电子信息等多个领域，政、银、信、企多方代表齐聚一堂，共绘苏企出海新蓝图。 省政协副秘书长、省工商联副主席胡明认为，当前环境下，金融助力企业走出去尤为重要。工商联已在全球密切联系18家海外江苏商会，联合商务、海关、 贸促等部门以及金融、投资、法律服务等机构，为"走出去"企业海外发展保驾护航。省人行党委委员、副行长，省外汇管理局副局长戴俊表示，希望以此次 活动为契机，政银信企多方联动，推动江苏省企业"走出去"行稳致远，为建设"强富美高"新江苏贡献力量。 聚势金陵 共筑跨境金融新生态 活动现场，工行江苏分行为到场企业全面介绍了工商银行"工银全球行"跨境服务体系。目前工商银行已建成覆盖69个国家和地区的全球金融服务网络，与 143个国家和地区的1463家外资银行建立起了业务合作关系，范围覆盖欧亚大陆和全球重要的国际金融中心。工 ...

Group 1 - The event "Empowering Cross-Border Cooperation to Boost Jiangsu Enterprises Going Global" was held in Nanjing, aiming to create a platform for Jiangsu enterprises to integrate into overseas markets through policy guidance, resource integration, and practical sharing [1][3] - Jiangsu province has over 80,000 enterprises with import and export performance, with a total foreign trade import and export volume of 5.62 trillion yuan, highlighting its role as a crucial hub for domestic and international dual circulation [3] - The Industrial and Commercial Bank of China Jiangsu Branch (ICBC Jiangsu) aims to provide solid, efficient, and innovative financial support for Jiangsu enterprises to deepen their integration into the global supply chain [3][5] Group 2 - ICBC Jiangsu is leveraging its "ICBC Global" cross-border financial service system to explore new models of cross-border financial services, enhancing support for enterprises going abroad [3][5] - The collaboration between ICBC and China Export & Credit Insurance Corporation (Sinosure) aims to provide high-quality comprehensive financial services to support enterprises in expanding international cooperation [3][4] - The event featured nearly 90 enterprises from various sectors, including renewable energy, high-end equipment manufacturing, and biomedicine, showcasing the diverse interests of Jiangsu businesses in global markets [1][3] Group 3 - ICBC Jiangsu reported that it has served 22,000 foreign trade and foreign investment enterprises this year, with a loan balance exceeding 400 billion yuan, demonstrating its commitment to supporting the province's export-oriented economy [7] - The bank has introduced innovative cross-border financing solutions and has actively collaborated with overseas branches to expand into new international markets [7][8] - Sinosure plans to support Jiangsu's trade and investment scale to exceed 130 billion USD in 2024, indicating a strong outlook for the province's open economy [5]

稳外贸增长见实效 面对复杂多变的国际贸易形势，苏州中行坚决贯彻苏州市委、市政府工作部署，彰显国有大行担当。迅 速组建"稳外贸"专班，制定《中国银行苏州分行金融支持外贸保稳提质专项行动工作方案》，从强化金 融供给、深化金融创新、优化贸易促进、细化专业服务四个维度，推出15条具体工作举措，全力稳固苏 州外贸基本盘。 在精准融资支持上，苏州中行全力畅通企业资金融通渠道。当苏州某企业在扩建海外工厂生产线、面临 设备采购融资困境时，该行迅速整合境内外资源，短时间内为其海外工厂设备采购提供1亿元融资，解 了企业燃眉之急。近年来，苏州中行不断创新融资产品与服务，通过"苏贸贷"、信保融资、海内外联动 融资等特色产品，精准滴灌中小微外贸企业。今年1—4月，已为地区进出口企业累计发放各类融资超 580亿元。近期，针对小微出口外贸企业、跨境电商企业等，推出"中银外贸贷""中银跨境电商贷"专属 融资产品，进一步破解小微企业融资难题。 在提升金融服务质效方面，苏州中行多管齐下。在汇率避险领域，设立多家"汇率风险中性示范网点"， 为外贸企业定制远期、期权、掉期等套期保值产品组合，提供"一站式"汇率避险服务；今年3月，邀请 总行专家开展" ...

"感谢工行在关键时刻为我们送来'及时雨'！不仅1天就贷出款来，还为我们压降融资成本将近20%，实 实在在为民营企业纾困解难！"苏州一家科技上市公司负责人动情地说。 当前，该企业产品对美出口受到影响，短期资金周转遇到困难。中国工商银行苏州分行（以下简称"苏 州工行"）及时了解情况后，根据企业实际生产经营及出货订单情况，为其量身定制了出口贸易融资业 务的专项服务方案，充分发挥集团优势，第一时间对接境外机构，内外联动发放1亿元跨境人民币融资 资金，当天即完成放款，得到了企业的高度认可。 面对复杂多变的国际经贸环境，苏州工行立足"便利、创新"，通过"四个主动"策略精准服务高水平对外 开放，为苏州外贸企业的持续经营和稳定发展保驾护航，以金融之力支持外贸高质量发展。 主动加强信贷支持，助力夯实外贸基本盘 立足地方所需，回应企业所盼。苏州工行主动加强信贷支持，精准对接外贸企业需求，持续丰富外贸金 融服务模式。 落实惠企利民新政。在国家外汇管理局苏州市分局的指导下，苏州工行成功落地政策施行当日首批贸易 外汇收支名录登记下放业务，覆盖苏州市区和辖属全部县域，切实增强贸易企业对便利化政策红利的满 意度和获得感，为外贸企业提供"您 ...