2026年1月15日，省农业农村厅、恒丰银行、省农担公司、省担保集团、人保财险山东公司五方战略合 作签约仪式在济南市山东大厦成功举行。这是政银保担各方落实省委"十五五"规划建议和省委经济工作 会议精神的重要举措，也是更好支持打造高质量"齐鲁样板"的具体行动。各签约方，客户代表共100多 人出席并见证此次签约，各方聚焦服务"三农"、助力乡村振兴，构建全方位、多层次、可持续的金融支 农合作新机制。 恒丰银行董事长在讲话中表示，山东省是农业大省，解决好"三农"问题，对山东意义重大，恒丰银行将 充分发挥"扎根山东、总部驻济"服务优势，在省农业农村厅指导支持下，整合更多资源，助力乡村振兴 齐鲁样板提档升级，积极服务现代化强省建设。恒丰银行将以此次战略合作为新起点，打造合作样板， 建立常态化会商联系机制，加强信息、渠道、模式等层面的共享互通，构建有韧性可持续的金融服务生 态圈；聚焦"齐鲁粮仓"建设、现代农业发展、重点片区建设等乡村振兴关键领域，依托数字化转型，灵 活采取"政银""银担""银保"等多种方式，切实破解客户融资难题；倾斜资源力量，加大对省农担、省担 保集团授信支持，为战略签约各方及下属成员单位，在资金结算、个人 ...

Core Viewpoint - Technological innovation is becoming the core engine driving high-quality development in Shandong Province, with Hengfeng Bank's Jinan branch focusing on the financial needs of technology enterprises throughout their lifecycle [1][2]. Group 1: Financial Innovation and Services - Hengfeng Bank is actively exploring effective paths for deep integration of financial and technological innovation, supporting the construction of a strong manufacturing province [2]. - The Jinan branch has established a mixed team to provide comprehensive services combining financing and intelligence, introducing products like "Kechuang Loan" that utilize intellectual property pledges and government risk compensation [2][3]. - The bank has upgraded its digital financial services, integrating IoT and big data technologies into its risk control systems, allowing technology companies to secure financing based on technology transaction data rather than traditional collateral [2][3]. Group 2: Customized Financial Solutions - Hengfeng Bank has opened a "green channel" for financing "hardcore" innovations, providing timely financial support to high-precision machinery manufacturers, which has alleviated their funding pressures and increased production capacity by 30% [4]. - The bank's customized financial services have effectively addressed the urgent funding needs of a pharmaceutical company, providing 300 million yuan to support their operations and future expansion plans [5]. - A "no repayment renewal loan" scheme has been implemented to assist a specialized oil technology company in overcoming short-term cash flow challenges, ensuring seamless transitions between old and new loans [6][7]. Group 3: Commitment to Technological Financial Development - Hengfeng Bank is committed to enhancing its responsibility in developing technology finance, offering customized credit products and personalized "financing + intelligence" services to support enterprise growth [7][8].

Core Viewpoint - Successful inclusive finance in China should achieve significant results in six areas: broader access to basic financial services, easier financing for businesses, stronger financial support for rural development, improved financial consumer education and protection, enhanced financial risk prevention, and a more complete inclusive finance support mechanism [1] Group 1: Inclusive Finance Development - Hengfeng Bank has consistently focused on serving the real economy and supporting small and micro enterprises through product innovation and technology empowerment, significantly contributing to inclusive finance [1] - As of May 2025, Hengfeng Bank's small and micro loan balance reached 179.808 billion yuan, a 9.62% increase from the beginning of the year, with a notable rise in loans to manufacturing and technology enterprises [1] Group 2: Growth Metrics - From 2019 to 2024, Hengfeng Bank's inclusive small and micro loan balance grew from 11.3 billion yuan to 57 billion yuan, with an average annual compound growth rate exceeding 38%, and the number of clients increased from under 9,000 to over 34,000 [9] - Hengfeng Bank has successfully reduced the average interest rate on small and micro loans by 30 basis points since the beginning of the year, enhancing financial support for small enterprises [9] Group 3: Financial Product Innovation - Hengfeng Bank has developed a diverse range of inclusive financial products, including five major offline product categories and six online product categories, to meet the varied financial service needs of small and micro clients [14] - The bank has launched specialized products for different sectors, such as "Park Loan" for industrial park enterprises and "Science and Technology Loan" for technology-based small enterprises [14] Group 4: Digital Transformation - Hengfeng Bank is advancing its digital transformation by building a digital credit comprehensive service system, which has facilitated the issuance of inclusive loans totaling 6.6 billion yuan, with a remaining balance exceeding 5 billion yuan [12] - The bank has established a digital model system for credit processes, implementing various digital projects to enhance operational efficiency [13] Group 5: Regional Focus and Support - Hengfeng Bank is expanding its financial services based on regional characteristics, launching products tailored to local economic needs, such as "Good Cow Quick Loan" and "Good Grain Quick Loan" in Shandong [16] - The bank is committed to supporting rural revitalization by developing a comprehensive financial service system that integrates various industry models and local advantages [17]

Core Viewpoint - Hengfeng Bank actively engages in supporting small and medium-sized enterprises (SMEs) through financial services, showcasing its commitment to serving the real economy and addressing the financing needs of businesses in Shandong Province [3][4]. Group 1: Financial Support Initiatives - Hengfeng Bank participated in the "Together to Benefit Enterprises, Financial Assistance to Enterprises" event organized by the Shandong Provincial Political Consultative Conference, conducting on-site research to understand the financial service needs of local enterprises [1]. - The bank has developed a series of financial products, such as "Park Loan," tailored for park enterprises, covering various stages of development, including property acquisition and operational financing [3]. Group 2: Loan Growth and Performance - As of May 2025, Hengfeng Bank's micro-loan balance reached 179.808 billion yuan, reflecting a year-to-date growth of 9.62%, with a significant increase in loans to manufacturing and technology enterprises [3]. - The bank has established partnerships with 120 park operators and supported over 1,500 enterprises, enhancing its service model to meet diverse financial needs [3]. Group 3: Cost Reduction Measures - Hengfeng Bank is focused on reducing financing costs for enterprises, with the average interest rate for micro-loans decreasing by 30 basis points since the beginning of the year, effectively addressing the issue of high financing costs [4].