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深化金融创新 激发发展活力
中经记者 张漫游 北京报道 60年来,西藏欣欣向荣的背后,离不开金融活水的精准浇灌与持续赋能。尤其是近年来,以工商银行 (601398.SH)西藏分行为代表的金融机构,坚持以创新为引领,将金融服务深度融入地方经济社会发 展大局,通过一系列接地气、有温度、见实效的金融产品与服务模式,有效破解了边疆地区融资难、覆 盖弱、效率低等痛点。 "十四五"以来,工商银行西藏分行聚焦服务国家战略、实体经济、普惠民生,累计投放贷款1792亿元。 截至今年7月末,各项贷款余额较年初增加76亿元,增幅达13.9%,同比多增23.5亿元,增速创历史新 高。这一组数字背后,是金融创新在服务实体经济、普惠民生方面的生动实践。 金融创新的生命力,在于精准对接发展需求。西藏旅游业加速发展并逐步成为富民兴藏的先导产业。以 林芝市米林县索松村为例,这个曾是连地图都难寻觅的偏僻村落,在工商银行西藏分行"藏宿贷"及后续 升级的"藏宿贷e贷"线上产品的支持下,当地农牧民吃上"旅游饭",升级改造后的家庭旅馆收入较改造 前增长5倍。 不仅如此,园区经济作为西藏壮大实体经济的重要平台,同样离不开金融创新的有力支撑。工商银行西 藏分行首创"园区e贷",通过银 ...
工商银行护航农产品稳产丰产
Group 1 - The Industrial and Commercial Bank of China (ICBC) is actively conducting the "Thousand Enterprises and Ten Thousand Households Visit" initiative to enhance credit supply in the agricultural sector, supporting stable production of agricultural products and increasing farmers' income [1] - In Longcheng District, Chaoyang City, Liaoning Province, local farmers face funding challenges despite high-quality crops like onions and potatoes, which are in demand in the market [1] - ICBC's Liaoning Chaoyang branch is addressing these funding gaps by promoting the "Planting e-loan" digital inclusive finance product to help farmers with costs for seeds, fertilizers, and agricultural machinery [1] Group 2 - ICBC's Guizhou Anshun branch has visited multiple towns in the Tunxi Buyi and Miao Autonomous County to understand the financing needs of local fruit farmers, specifically for the "Honey Sugar Plum" [2] - The bank has provided over 100 million yuan in loans to small and micro enterprises and farmers growing "Honey Sugar Plum," facilitating the purchase of fertilizers, infrastructure improvements, and expansion of planting areas [2] - In Tibet, ICBC's Shannan branch has tailored financing solutions for a large-scale egg-laying farm, providing nearly 3 million yuan in credit loans to support the expansion of its operations [2][3]
截至6月末,西藏社会融资规模存量达9447.29亿元,同比增长6.19%
Sou Hu Cai Jing· 2025-08-09 00:30
这一数据背后,是西藏金融系统通过政策创新、结构优化和精准服务,为实体经济注入强劲动能的生动实践。 来源:全国商报联合会 中国经济报导:截至 2025 年 6 月末,西藏社会融资规模存量达 9447.29 亿元,同比增长 6.19%,创历史同期新高。 增长动力:政策红利与战略导向双轮驱动 特殊优惠金融政策叠加适度宽松货币政策 中央赋予西藏的低息贷款、税收减免等特殊政策持续发力,叠加 2025 年上半年实施的适度宽松货币政策,推动金融机构加大信贷投放。 截至 6 月末,本外币各项贷款余额 6568.2 亿元,较年初增长 9.25%,增速位居全国前列。 例如,普惠小微企业贷款加权平均利率降至 1.15%,同比下降 0.51 个百分点,企业综合融资成本处于全国最低水平。 重大战略与民生工程资金保障 川藏铁路、雅鲁藏布江下游水电开发等国家重大项目带动基础设施中长期贷款余额达 1905.54 亿元,同比增长 7.69%。 同时,民生领域融资显著增长:个人消费贷款余额 1063.91 亿元,同比增长 20.43%;养老金融产品 "康养贷""安享贷" 发放金额 2.48 亿元,助力银发经济 发展。 绿色与科技金融创新突破 绿 ...