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广发银行做好普惠金融服务 让金融活水精准滴灌千企万户
Zheng Quan Shi Bao· 2025-07-30 22:05
Core Viewpoint - Small and micro enterprises are crucial for economic growth, job creation, and innovation, and Guangfa Bank is committed to enhancing financial support for these enterprises while aligning its development with social and economic progress [1] Group 1: Financial Support for Small and Micro Enterprises - Guangfa Bank's inclusive finance loans for small and micro enterprises showed a positive trend in the first half of 2025, with loan growth exceeding the average growth rate of all loans by 2.08 percentage points [1] - The weighted average interest rate for newly issued inclusive loans decreased by 32 basis points compared to the beginning of the year, and the non-performing loan ratio for these loans is below the tolerance plan value [1][2] - The bank has established a diverse range of inclusive financial products, including "Science and Technology Loans" and "Easy Loans," to meet the varied needs of small and micro enterprises [2] Group 2: Rural Revitalization Efforts - Guangfa Bank is actively involved in rural revitalization, with inclusive agricultural loans growing over 9% compared to the beginning of the year [3] - The bank has launched specialized financial products like "Agricultural Loans" and "Pineapple Loans" tailored to local agricultural industries, particularly in Guangdong [3] - By the end of June, the bank had issued over 310 billion yuan in loans related to the "Hundred Million Project," with nearly 70 billion yuan added in 2025 [3] Group 3: Coordination Mechanism for Financing - Following the establishment of a coordination mechanism for supporting small and micro enterprise financing, Guangfa Bank has implemented an action plan focusing on optimizing design, improving mechanisms, and enhancing service quality [6] - The bank has engaged with over 120,000 small and micro enterprises, providing credit exceeding 110 billion yuan to those on the "recommendation list" [6] - Guangfa Bank aims to strengthen its role as a central enterprise member by offering more precise products and efficient services to support the high-quality development of small and micro enterprises [6]
广发银行:做好普惠金融服务 让金融活水精准滴灌千企万户
Xin Hua Wang· 2025-07-30 02:11
原标题:广发银行做好普惠金融服务 让金融活水精准滴灌千企万户 小微企业是经济新动能培育的重要源泉,在稳定经济大盘、促进就业增加、激发创新活力等方面发挥着 重要作用。广发银行积极践行金融央企成员单位的使命担当,深刻把握金融工作的政治性、人民性,聚 焦普惠金融大文章持续强化小微企业金融支持,实现自身发展与经济社会发展同频共振。 奋发有为 谱写乡村振兴新画卷 广发银行积极学习运用金融服务"千万工程"宝贵经验,将服务乡村振兴作为普惠金融的重要着力点,助 力推进乡村全面振兴走深走实。截至6月末,全行普惠型涉农贷款、涉农贷款余额较年初均增长超9%。 围绕乡村振兴,广发银行持续创新涉农金融服务,结合该行50个乡村振兴帮扶点的资源禀赋与特色农业 产业,精准推出"惠农贷""菠萝贷""葡萄贷"等一系列特色农业专案金融产品。特别是立足广东本土,突 出"百县千镇万村高质量发展工程",集中资源加力提速,助力实现"三年初见成效"目标。截至6月末, 广发银行已累计为"百千万工程"相关领域投放贷款超3100亿元,其中2025年新增投放近700亿元。 例如,在"三夏"工作关键时期,广发银行肇庆分行用好标准化产品"乡村E贷",为粮食生产企业构建 ...
金融活水注入“菠萝的海”:广东金融机构多措并举助力菠萝产销两旺
2 1 Shi Ji Jing Ji Bao Dao· 2025-05-17 16:05
Group 1 - The core viewpoint of the articles highlights the successful financial support initiatives for the pineapple industry in Guangdong, particularly in Zhanjiang, where innovative credit products and insurance services have been introduced to address financing difficulties and risk management challenges faced by farmers [1][2][3] - Zhanjiang's pineapple production is thriving, with an expected output of over 700,000 tons and a total value of 2.72 billion yuan this season, indicating a robust agricultural sector [1] - Financial institutions like Postal Savings Bank and Industrial and Commercial Bank have launched specialized loan products, such as "Pineapple Loan," providing significant funding to local farmers, with Postal Savings Bank disbursing 1.66 billion yuan in loans [1][2] Group 2 - Insurance companies are developing risk mitigation mechanisms, including the introduction of policy-based pineapple value insurance, which has compensated over 6.4 million yuan to more than 190 insured farmers [2] - The insurance offerings also include commercial insurance covering losses from natural disasters and pests, enhancing the financial security of pineapple growers [2] - The Guangdong Provincial Financial Support for Agriculture Promotion Association plans to implement a dual-driven model of "insurance + credit" to improve financial services for the pineapple industry, focusing on comprehensive risk coverage across the entire supply chain [3]