创新服务模式，助力园区企业发展。该行园区金融服务已覆盖玉林高新技术开发区、玉柴工业园区、福 绵环保园区、陆川产业园区等七个全市重点园区，创新推出一系列特色融资产品：针对新建园区及入园 企业购置机器设备、建造厂房的需求，推出"购建贷"产品，为企业提供长期、稳定的资金支持，帮助降 低融资成本，加快园区建设进度；推出线上化、便捷化的循环贷款产品"工业e贷"，满足企业日常随借 随还的经营资金需求。截至2025年8月末，该行为园区企业发放普惠贷款余额近6亿元，惠及小微企业 200余户。同时在园区周边优化三家网点布局，通过"支行行长+客户经理+网点人员"团队模式营销协 同，效率实现提升。 转自：新华财经 工行玉林分行坚持贯彻落实国家普惠金融政策，推出特色金融产品，纾解企业融资难题，助力"玉商回 归"。截至2025年8月末，该行普惠贷款余额超49亿元，在推动地方经济稳健成长中发挥了关键作用。 优化金融服务，纾解企业融资难题。该行推出"线上+线下"相结合的续贷服务，通过建立续贷审批绿色 通道，提高审批效率，为企业提供金融"及时雨"。此外，还加大服务创新力度，拓展续贷融资方式，根 据客户实际需求，推出"新一代经营快贷""链群交 ...

Group 1 - The company focuses on providing financial services to the real economy, achieving a loan balance growth of 2.35 billion yuan as of August 31, 2025, representing a significant increase from the beginning of the year [1] - The company targets key sectors such as renewable resources, environmental energy, pharmaceuticals, and photovoltaic electronics, establishing a quality project client list and implementing a tiered management system for marketing [1] - The company emphasizes the importance of supporting local economic development by increasing credit investment in manufacturing, green initiatives, private enterprises, and inclusive finance [1] Group 2 - The company actively promotes inclusive finance by implementing a financing coordination mechanism for small and micro enterprises, conducting outreach activities to expand its customer base [2] - The company is expanding its coverage of inclusive finance in rural areas, focusing on local industries such as tea, timber, and agriculture, and developing specialized loan products for these sectors [2] - The company is transitioning its personal loan strategy to include retail and inclusive finance, enhancing its consumer finance product offerings and leveraging recent government policies to stimulate consumer spending [2]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is enhancing its financial services for private enterprises, focusing on diversified financial needs and increasing credit support to stimulate regional economic development [1][2][3] Group 1: Financial Support and Growth - As of August 2025, the loan balance for private enterprises at ICBC Beihai Branch increased by over 280 million yuan, with a growth rate exceeding 20% [1] - The branch's inclusive loan balance rose by over 350 million yuan, achieving a remarkable growth rate of 42.8% [1] Group 2: Service Optimization and Digital Transformation - ICBC Beihai Branch is building a collaborative service network with a focus on "professional teams + grassroots outlets," ensuring comprehensive coverage of inclusive financial services across 16 outlets [1] - The bank is promoting digital transformation by developing an online product system that includes "Quick Business Loans + Digital Supply Chain + Specialty Scene Financing," targeting local enterprises with customized financial solutions [1] Group 3: Supporting Industry Upgrades and Cost Reduction - The branch is actively supporting key industry projects, such as integrated forestry and paper projects and ultra-white glass production lines for the solar industry, by providing project loans [2] - ICBC Beihai Branch has established a mechanism for regular assessment of enterprise financing needs, utilizing tools like "no repayment renewal loans" to alleviate temporary cash flow pressures for small and micro enterprises [2] Group 4: Enhanced Engagement and Customized Solutions - The bank is conducting a "thousand enterprises, ten thousand households" outreach initiative to understand the actual needs of private enterprises, leading to the development of customized financial service plans [3] - ICBC Beihai Branch is deepening collaboration with local government and industry organizations to extend financial services to various business clusters, addressing urgent issues faced by private enterprises [3]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is actively implementing the national inclusive finance development strategy, focusing on serving small and micro enterprises, individual businesses, and the agricultural sector, achieving significant results in financial service precision and coverage [1][2]. Group 1: Financial Performance - As of July 2025, the inclusive loan balance of ICBC Beihai Branch increased by over 300 million yuan compared to the beginning of the year, representing a growth rate of 40% [1]. - The agricultural loan balance increased by over 18 million yuan, with inclusive agricultural loans growing by over 10 million yuan, marking an increase of over 50% [1]. Group 2: Industry Focus - The bank is focusing on regional specialty industries, providing targeted financial support to sectors such as aquaculture, pearl industry, and specialty agriculture [1]. - In the aquaculture sector, the bank is innovating inclusive financial products and service models to support the entire industry chain [1]. - For the pearl industry, financial support is being enhanced across the entire chain from breeding to processing and sales [1]. Group 3: Service Innovation - The establishment of the "Youth Pioneer Team" aims to enhance financial service quality by directly engaging with businesses and identifying their financing needs [2]. - The team employs a "现场测额+精准对接" (on-site assessment + precise matching) model to improve service efficiency [2]. - Various innovative loan products such as "集群商户e贷" (Cluster Merchant e-loan) and "兴农e贷" (Agricultural Prosperity e-loan) are being promoted to meet specific financing needs of different sectors [2]. Group 4: Collaborative Mechanisms - The bank is deepening cooperation with local governments and enterprises to facilitate precise matching of financing needs [3]. - Efforts are being made to optimize processes and innovate service models, including mobile services and on-site assistance for small and micro clients [3]. - The establishment of mobile service points in key business areas is extending the reach of financial services [3].

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 the national rural revitalization strategy through financial services tailored to local agricultural needs [1][2] Group 2 - As of July 2025, the agricultural loan balance of ICBC Yulin Branch increased by over 700 million yuan compared to the beginning of the year, injecting strong vitality into rural revitalization [1] - The bank has introduced various innovative micro-loan products such as "New Generation Business Quick Loan," "Chain Group Transaction E-Loan," "Cluster Merchant E-Loan," and "Agricultural E-Loan" to meet the funding needs of local farmers in areas like grain planting and livestock breeding [1] - The bank has partnered with Yulin Agricultural Credit Financing Guarantee Co., Ltd. to provide diversified financing guarantee services for agricultural enterprises, addressing financing challenges [1] - The bank has issued over 70 million yuan in "Warehouse Receipt Pledge Guarantee Loans," promoting the development of financial regulatory warehouse business in Yulin [1] Group 3 - ICBC Yulin Branch has emphasized the importance of financial literacy in rural areas, conducting over 30 promotional activities and reaching more than 3,000 individuals to help farmers understand agricultural support policies [2] - The bank has established 12 "Xingnong Tong" rural inclusive financial service points in various towns, utilizing financial technology to create new service channels [2] - The "Xingnong Tong" App has attracted over 30,000 users in rural areas, indicating a successful online customer acquisition strategy [2]

Group 1 - The core viewpoint of the articles emphasizes the commitment of the Industrial and Commercial Bank of China (ICBC) Wuzhou Branch to support the development of small and micro enterprises, as well as rural revitalization through inclusive finance initiatives [1][2] - The bank has increased credit investment in key areas, particularly focusing on first-time borrowers and individual businesses, enhancing the accessibility of financing in weak sectors [1] - As of June 2025, the balance of inclusive loans increased by 323 million yuan compared to the beginning of the year, indicating a strong push towards meeting the financing needs of small and micro enterprises [1] Group 2 - The bank is actively implementing financial support strategies for rural revitalization, tailoring its services to the unique resources and industrial characteristics of various counties [2] - The "One County, One Characteristic" agricultural financing scheme has been launched, with 25 new clients added, and agricultural loans increased by 137 million yuan since the beginning of the year [2] - The bank has strengthened its service chain by promoting inclusive agricultural policies and enhancing outreach efforts through the "ICBC Inclusive Action" initiative, resulting in over 5,500 new users of the "ICBC Agricultural Communication" app this year [2]

Group 1 - The core viewpoint of the articles emphasizes the role of the Industrial and Commercial Bank of China (ICBC) Yulin Branch in supporting the "Yushang Return" initiative, which aims to enhance local economic development through innovative financial products and services [1][2] - As of July 2025, the bank has issued nearly 50 million yuan in loans to small and micro enterprises under the "Yushang Return" program, contributing to high-quality local economic growth [1] - The bank has implemented a principle of "no loan withdrawal, no loan interruption, and no loan pressure" to assist struggling small and micro enterprises, ensuring continuous financial support [1] Group 2 - The bank has strengthened cooperation with government departments and enterprises to enhance the financial service system, signing a strategic cooperation agreement with the Yulin Municipal United Front Work Department in April 2025 [2] - The bank actively promotes innovative financial products such as "Industrial e-loan," "New Generation Business Quick Loan," "Chain Group Transaction e-loan," and "Cluster Merchant e-loan" to attract enterprise interest [2] - Regular communication mechanisms have been established with local government departments and industry associations to stay updated on the latest policies and market demands related to the "Yushang Return" initiative [2]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Wuzhou Branch has implemented measures to enhance credit expansion, focusing on the real economy, inclusive small and micro enterprises, and personal loan markets, resulting in an effective increase in loan issuance and optimization of credit structure [1] Group 1: Credit Expansion Measures - As of June 30, 2025, the bank's total loans increased by 367 million yuan compared to the beginning of the year [1] - The bank is focusing on key areas for credit investment, leveraging its corporate credit advantages to support economic development and industrial upgrades in the Wuzhou area [1] - The bank is actively participating in the construction of the Xijiang Economic Belt and the Guangdong-Hong Kong-Macao Greater Bay Area, expanding investments in projects such as highways and green energy [1] Group 2: Inclusive Finance Initiatives - The bank is accelerating the expansion of inclusive credit markets, targeting industrial clusters, professional markets, quality business circles, and core customers [1] - Initiatives include the development of specialized loan products such as "One County, One Feature" agricultural loans, planting loans, trading loans, and regional loans to support small and micro enterprises [1] - The bank is utilizing a financing coordination mechanism to assist small and micro enterprises with no-repayment renewal loans, effectively addressing the "renewal loan difficulty" issue [1] Group 3: Personal Loan Business Transformation - The bank is fully promoting a "retail + inclusive" credit strategy, focusing on personal operating and consumer credit business [1] - There is an emphasis on increasing the proportion of non-housing loans within personal loans by leveraging product advantages [1] - The bank is enhancing its personal loan business development by promoting products like "Business Quick Loan" and "Rong E Borrow," and focusing on scenario-based expansion [1]

机制筑基，构建服务新格局。为强化金融服务乡村振兴的组织保障，工行北海分行成立乡村振兴办公 室，深入贯彻工行总行金融支持乡村振兴战略部署。该办公室牵头推广涉农金融产品，统筹协调全辖金 融服务乡村振兴工作，致力构建覆盖农业、农村、农民的乡村金融服务体系，确保金融资源向"三农"领 域倾斜，为涉农贷款优先投放提供保障。 新征程上，工行北海分行将坚守服务"三农"初心，持续引导金融活水精准赋能乡村产业，为全面推进乡 村振兴贡献坚实的工行力量。（孙洁文 戴好） 产品创新，灌溉特色产业链。工行北海分行聚焦地方优势产业，打造差异化涉农贷款产品体系。针对农 业龙头企业及重点项目，如广西重点国有林场"12万亩高质量商品林基地建设项目"、中储粮北海直属库 项目等，提供项目贷款与流动资金双轨支持。创新推出"蔗担贷"，立足广西作为我国甘蔗和蔗糖主产区 的优势，大力支持种植合作社及蔗农发展"甜蜜事业"。同时，依托"集群商户e贷"等优势产品，重点扶 持木材加工等特色小微集群。截至2025年6月末，该行涉农大中型企业贷款余额超5.9亿元，较年初净增 1.68亿元，增幅超39%。上半年，累计支持34户木材加工小微企业，金额超7800万元，有力支 ...

Group 1: Financial Support for Marine Economy - The company actively implements the national marine power strategy, providing innovative financial services to support the high-quality development of the marine economy, with a financing balance exceeding 2.2 billion yuan by June 2025, an increase of 1.4 billion yuan from the beginning of the year [1] - The company addresses the financing difficulties of small and micro enterprises in the marine industry by promoting inclusive products like "Operating Quick Loan" and "Aquaculture e-loan," resulting in a 73.5% increase in loans for aquaculture and wholesale retail by June 2025 [1] Group 2: Support for Western Land-Sea New Corridor - The company focuses on upgrading transportation hubs to support the construction of the Western Land-Sea New Corridor, with a loan balance exceeding 800 million yuan for related projects by June 2025 [2] - The company has established a regular visiting mechanism to meet the seasonal funding needs of marine logistics enterprises, leading to a 24.8% increase in working capital loans for these enterprises by June 2025 [2] Group 3: Empowering Marine Industry Clusters - The company targets key industrial platforms like Tieshan Port (Linhai) Industrial Zone and Tieshan East Port Industrial Park, providing tailored financial solutions for industries such as green chemicals and high-end paper manufacturing [3] - The company employs a three-dimensional collaborative service model to enhance the resilience of industrial chains, including vertical support for power generation companies and horizontal collaboration with logistics enterprises [3] - The company plans to continue increasing financial support for the marine economy and optimizing financial service models for marine industry chains to contribute to regional economic development [3]