Core Insights - Guangdong is leveraging its unique position as a pioneer in reform and opening up to drive inclusive finance through innovation, urban-rural integration, and coastal development [2] - The Postal Savings Bank of China (PSBC) in Guangdong is implementing a series of financial solutions targeting key sectors such as technology innovation, rural revitalization, and cultural tourism to address financing challenges [2][3] Group 1: Technology Innovation - PSBC Guangdong has introduced a "patent pledge + property mortgage" credit model to convert intangible assets into financing capital, supporting the growth of technology-driven enterprises [3] - The bank provided a credit line of 95 million yuan to a local company, significantly reducing financing costs by over 270,000 yuan through favorable interest rates [3] Group 2: Agricultural and Marine Financing - PSBC Guangdong has developed a comprehensive inclusive finance service system covering agriculture, fisheries, and specialty industries, addressing high financing costs and narrow channels for fishermen [4] - The bank has launched over 140 industry loan projects in specialty agriculture, achieving a loan balance exceeding 20 billion yuan [4] Group 3: Cultural and Tourism Financing - The bank has tailored financial services for the tourism sector, reducing loan approval times to 30 days and providing nearly 100 million yuan for upgrades in tourism infrastructure [5] - PSBC Guangdong has invested over 4 billion yuan in major cultural and tourism projects, contributing to a 25% increase in visitor numbers at upgraded sites [6] Group 4: Overall Financial Impact - As of September 2025, PSBC Guangdong's agricultural loan balance exceeded 130 billion yuan, with an annual increase of over 40 billion yuan in the past three years, reflecting a growth rate close to 50% [6] - The bank aims to continue enhancing product innovation and service processes to support Guangdong's modernization efforts and inclusive finance development [6]