创新产品精准破题，打造普惠融资"快车道"。针对小微企业"短小频急"资金需求，工行北海分行大力推 广"经营快贷"，凭借资料简、手续快、随借随还优势，有效解决了小微企业资金周转问题，累计投放已 超9亿元。同时，为破解小微企业普遍面临的"担保难"瓶颈，该行积极与政府背景的融资性担保机构合 作，推出"银政通"业务，为缺乏抵押物的企业提供增信支持。截至2025年9月末，已累计发放"银政 通"贷款2328万元，切实打通小微企业的融资梗阻。 集群模式集约转型，激活批量管理"新引擎"。为解决传统"分散营销"模式效率低、风险识别难等痛点， 工行北海分行创新推出"集群商户e贷"，转向"集中营销、批量管理"模式。该模式依托智能取数平台自 动采集商户经营数据，并组建专业团队根据不同商圈特点定制专属方案，实现了批量触达和精准风控。 截至2025年9月末，该行"集群商户e贷"已服务客户220户，贷款余额超2亿元，为小微商户发展注入了强 劲动力。 深耕乡村链式赋能，开辟涉农蓝海"主战场"。工行北海分行积极响应国家乡村振兴战略，将服务"三 农"作为普惠金融的核心阵地，致力打造"全链条、多场景、高效率"的乡村金融服务体系。该行组建普 惠青年先 ...

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 - The Industrial and Commercial Bank of China (ICBC) Jiangsu Branch is accelerating the cultivation of high-quality inclusive finance through two innovative initiatives: "Hundred Groups and Hundred Chains" and "One Village, One Product, Thousand Villages and Ten Thousand Households," aiming to create a dual-driven financial ecosystem for industrial upgrading and rural revitalization [1][2]. Group 1: "Hundred Groups and Hundred Chains" Initiative - The initiative focuses on the digital upgrade of industrial clusters, providing comprehensive financial services to activate the collaborative effects of the industrial chain [1]. - ICBC successfully provided 170 million yuan in financing for the cable industry cluster, becoming the first branch to implement financing plans for 100 key customer groups, marking a significant breakthrough in financial services for industrial clusters [1]. Group 2: "One Village, One Product, Thousand Villages and Ten Thousand Households" Initiative - The initiative aims to explore the potential of county-level rural characteristic industries by developing tailored financial service plans based on local conditions [2]. - ICBC has provided 32.5 million yuan in financing support to 35 retail enterprises, effectively injecting fresh capital into the county economy [2]. - The bank will continue to focus on local specialty agricultural products and provide customized financial services through products like "Planting E-loan" and "Prosperity Loan" [2].