"政银担"协同助力潮州县域经济发展。黄品 摄 随着"百县千镇万村高质量发展工程"纵深推进，潮州县域经济活力迸发，但融资难题仍制约着众多小微企业的发展。 要让金融活水流向最需要的地方，潮州如何破题？去年，潮州创新设立"百千万工程"信贷风险补偿资金，委托粤财普惠潮州担保公司运营管理，实现"政银 担"模式在潮州市"零的突破"。 随"风"潜入"潮"，润企细无声。在这个创新模式下，粤财普惠潮州担保公司积极引导金融"活水"精准润泽产业"良田"，为地方特色产业发展注入强劲动能。 ●许钰敏 王妍祺 风险共管 撬动超3亿元信贷资金 2024年，潮州市"百千万工程"金融专班成功争取省、市两级财政资金500万元，设立全省首个"百千万工程"信贷风险补偿资金。 在普惠金融、乡村振兴贷款、绿色信贷、涉农贷款等领域，该公司充分利用风险补偿金的增信作用，打通农村金融服务"最后一公里"，使涉农民营小微企业 能享受到丰富快捷便利的现代金融服务。 数据显示，粤财普惠潮州担保公司与本地农商行累计合作担保金额达14.5亿元，与工行、建行、中行的合作担保金额也分别达到7.7亿元、5.7亿元和1.2亿 元。今年来新增担保小微和"三农"687户次、新增担保 ...

Core Viewpoint - Guangzhou Rural Commercial Bank is committed to green development as a guiding principle and development goal, leveraging its unique business advantages to support the real economy in the Guangdong-Hong Kong-Macao Greater Bay Area and promote green finance development [1][4]. Group 1: Regional Strategy and Support for the Real Economy - Guangzhou Rural Commercial Bank integrates the layout of the Greater Bay Area into its "14th Five-Year Plan" and annual strategic planning, demonstrating the responsibility of local state-owned enterprises in supporting local economic development [2]. - The bank has increased financial support for key projects, focusing on rural revitalization, financial poverty alleviation, private economy, inclusive small and micro enterprises, green credit, and technological innovation [2][3]. - As of the end of 2021, the bank supported 15 key construction projects in Guangdong Province with a credit balance of 3.757 billion yuan and 6 key projects in Guangzhou with a credit balance of 1.042 billion yuan [2]. Group 2: Green Finance Development - The bank has integrated green finance into its strategic planning, establishing a three-tier management mechanism to promote green credit business development [4]. - By the end of 2021, the bank's green credit balance reached 14.731 billion yuan, an increase of 3.438 billion yuan, representing a growth rate of 30.44% [4]. - The bank has launched various green financial products, including loans for carbon emission rights and rural revitalization, to support sustainable development [5]. Group 3: Technological Innovation and Inclusive Finance - Guangzhou Rural Commercial Bank has enhanced its financial service system through technological empowerment, meeting diverse and personalized financial needs [6]. - In 2021, the bank introduced 10 "Sui Good Service" and 113 "Yue Province Service" government service functions across 245 outlets, serving over 84,000 outdoor workers [6]. - The bank aims to continuously improve customer service systems and enhance financial service capabilities to support rural revitalization and the real economy [6][7].