转自：新华财经 工行北海分行坚决贯彻工行总行"服务高水平对外开放"要求，深入落实"春融行动2025"专项部署，全面 推广"工银e贸"外贸新业态服务体系，持续提升外贸金融服务质效。截至2025年7月末，该行累计投放贸 易融资折合人民币超4亿元，精准赋能区域外贸高质量发展，助力外贸企业扬帆出海、行稳致远。 聚焦需求，数字赋能破解融资瓶颈。针对轻资产进出口企业融资难题，工行北海分行以"跨境贷"等数字 普惠产品为抓手，提供高效便捷的融资服务。如，基于RCEP原产地证书及报关数据，为北海某服饰公 司3个工作日内发放70万元贷款，助力其拓展日本市场；通过电子单证替代纸质材料，为北海某生物科 技公司全线上办理300万元融资，实现72小时放款，及时保障其生产原料的进口采购。 强化风控，合规护航高质量发展。工行北海分行严守风险底线，以合规经营护航高质量发展。该行聚焦 存续期管理，建立健全贸易背景真实性动态核验、回款进度动态跟踪、行业风险前瞻预判三项机制。针 对大宗商品价格波动特点，预先制定包括动态追加担保、调整授信额度等在内的风险缓释预案，有效保 障贸易融资资产质量稳定，为服务高水平对外开放筑牢金融防线。（孙洁文 戴好） 编辑 ...

Group 1 - The core viewpoint of the articles emphasizes the proactive measures taken by the Industrial and Commercial Bank of China (ICBC) Yulin Branch to support small and micro enterprises through loan renewals, thereby contributing to local economic stability [1][2] Group 2 - As of June 30, 2025, the bank has renewed loans for over 500 small and micro enterprises, with a total amount exceeding 900 million yuan, an increase of over 600 million yuan compared to the same period last year [1] - The bank has implemented a precise service approach to alleviate financing difficulties for enterprises, including on-site visits to businesses and tailored renewal plans for eligible companies [1] - The bank has introduced an innovative service model for loan renewals, combining online applications with offline approvals, significantly improving the speed of loan processing [1][2] Group 3 - The bank has expanded its product offerings to meet the diverse and personalized financing needs of small and micro enterprises, utilizing internet and big data technologies to promote various loan products [2] - The bank aims to optimize loan service models based on the operational characteristics and risk profiles of small and micro enterprises, enhancing the coverage of credit funds [2] - Future plans include continued exploration of innovative financial services to further support the stable development of small and micro enterprises in alignment with national financial policies [2]

Group 1 - The core viewpoint of the articles emphasizes the proactive role of the Industrial and Commercial Bank of China (ICBC) Yulin Branch in supporting flood relief efforts in response to the severe flood situation anticipated in 2025 [1][2] - Since June 2025, the bank has optimized loan approval processes and improved loan issuance efficiency, providing over 500 million yuan in loans to small and micro enterprises [1] - The bank has also facilitated the renewal of loans for struggling businesses, with over 170 renewal cases amounting to more than 200 million yuan, ensuring financial support for small enterprises during the flood period [1] Group 2 - The bank has tailored financial products to meet the specific and urgent financing needs of affected small and micro enterprises, utilizing internet and big data technologies to promote convenient loan products [2] - Focused on the renewal of loans for normally operating enterprises, the bank has developed individual renewal plans and conducted on-site research to promote renewal policies [2] - The bank is providing preferential interest rate loans to help affected small and micro enterprises quickly resume production and rebuild their homes, demonstrating its commitment to social welfare [2]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch is actively promoting inclusive finance, enhancing its services for small and micro enterprises, and achieving significant growth in inclusive loans and customer numbers as of May 31. Group 1: Loan Growth and Customer Base - As of May 31, the bank's inclusive loan balance increased by 175 million yuan compared to the beginning of the year, with the number of loan accounts rising by 130 [1]. Group 2: Simplified Account Opening - The bank has implemented simplified account opening procedures to meet the service needs of small and micro enterprises, addressing challenges such as lack of fixed operating locations and personnel [1]. - The bank utilizes various methods for identity verification, including facial recognition and mobile number validation, to facilitate account opening for new business models [1]. - The bank actively informs small and micro customers about account opening policies and application channels to enhance awareness [1]. Group 3: Service Enhancement through Branch Network - The bank leverages its branch network to improve the depth and breadth of inclusive financial services, focusing on business promotion, information collection, and client outreach [2]. - It aims to understand the comprehensive financial needs of small and micro enterprises and their associated individuals, tailoring financial service plans accordingly [2]. Group 4: Data Application and Financing Support - The bank utilizes the Guangxi local credit platform "Guixinrong" to create a data-sharing model that combines government, finance, and commerce, enhancing financing support for small and micro enterprises [2]. - By connecting its credit system with "Guixinrong," the bank can create credit profiles for previously unbanked enterprises, matching them with suitable financial products [2]. Group 5: Long-term Mechanism for Service Challenges - The bank is establishing long-term mechanisms to address challenges in providing financial services to small and micro enterprises, such as reluctance to lend and lack of understanding of loan processes [3]. - It aims to build confidence in lending, stimulate willingness to lend, strengthen the foundation for lending, and enhance the ability to provide specialized financial services [3]. - The bank promotes innovative lending models, such as proactive credit and flexible repayment options, to meet the dynamic funding needs of small and micro enterprises [3].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Yulin Branch has been awarded the "一级" (first-level) rating for its financial services to small and micro enterprises for the third consecutive year, reflecting its commitment to high-quality inclusive finance and support for local economic development [1][3]. Group 1: Financial Performance - As of the end of 2024, the total amount of inclusive loans from ICBC Yulin Branch exceeded 4.3 billion, marking an increase of 760 million for the year, maintaining a leading position in the industry [1]. - The bank successfully expanded its inclusive loan offerings by over 500 million, achieving comprehensive coverage of local specialty industries and markets [1]. Group 2: Product Innovation - The bank has actively promoted innovative financial products, including "新一代经营快贷" and "链群交易e贷", to enhance marketing efforts and support local key industries [1]. - A significant collaboration with Yulin Agricultural Credit Financing Guarantee Co., Ltd. led to the launch of the first cold chain supply chain financial service project in the region, utilizing a warehouse receipt pledge guarantee model [2]. Group 3: Support for Agriculture - ICBC Yulin Branch has introduced tailored financial products such as "养殖e贷" and "种植e贷" to support agricultural producers and service organizations, ensuring strong financial backing for production needs [2]. - By the end of 2024, the bank had issued 21.88 million in "养殖e贷" and 2.1 million in "种植e贷", enhancing the efficiency of inclusive financial services [2]. Group 4: Future Plans - The bank plans to continue implementing inclusive finance development strategies, focusing on serving small and micro enterprises and contributing to high-quality local economic growth [3].

Core Insights - The news highlights the efforts of financial institutions in Guangxi to support small and micro enterprises by leveraging credit information and innovative financing solutions [1][2][3][4][5] Group 1: Financial Support for Small and Micro Enterprises - A private small and micro enterprise in Liuzhou faced difficulties in obtaining sufficient loans due to a lack of collateral, but was able to secure working capital loans through the national credit information sharing platform [1] - The People's Bank of China in Guangxi has established credit files for approximately 41.27 million individuals and 1.33 million enterprises, providing essential credit reports to support business financing [2] - In the first quarter, the platform helped enterprises secure financing of 12.365 billion yuan, marking a nearly 30% year-on-year increase [2] Group 2: Data-Driven Financing Solutions - The Guangxi credit platform "Gui Xin Rong" has been upgraded to enhance the integration of financial, governmental, and commercial data, facilitating a new financing model for small and micro enterprises [3] - In the first quarter, local financial institutions provided credit to 4,305 first-time borrowers, with a total amount of 32.209 billion yuan, representing increases of 50% in number and 60% in amount compared to the previous year [3] - Various banks have utilized artificial intelligence to create personalized loan products based on operational data, successfully financing 6.696 billion yuan for 3,193 enterprises through credit derived from business operations [3] Group 3: Specialized Financing Products - The People's Bank of China in Guangxi has collaborated with various departments to create specialized financing products tailored to specific industries, such as "Gui Xin Rong + Individual Business Loan" which supported 12,800 individual businesses with 7.829 billion yuan in financing [4] - Other industry-specific products include "Gui Xin Rong + Liubao Tea Loan" for 196 million yuan, "Gui Xin Rong + Copper Chain Loan" for 9.169 billion yuan, and "Gui Xin Rong + Photovoltaic Loan" for 8.587 billion yuan [4] Group 4: Enhancing Credit Services - A retail merchant faced challenges with traditional loan processes but successfully obtained a 200,000 yuan online credit loan through the integration of procurement data and order information [5] - Guangxi United Credit Co., Ltd. has developed specialized credit reports for small enterprises by combining commercial and financial credit data, enhancing the accessibility of financial services for small and micro enterprises [5] - As of the end of March, Guangxi United Credit Co., Ltd. has partnered with over 90 financial institutions, providing 31.91 million credit reports and facilitating financing exceeding 400 billion yuan for 8.57 million small and micro enterprises nationwide [5]