Core Insights - The People's Bank of China Shandong Branch has recognized Jinan Industrial and Commercial Bank (ICBC) as "excellent" for six consecutive quarters in its evaluation of small and micro enterprise credit policies, making it the only financial institution in its peer group to achieve this status [1] - Jinan ICBC has provided credit services to 17,000 small and micro market entities, contributing to the stable development of the real economy [1] Group 1: Mechanism Optimization - Jinan ICBC focuses on inclusive finance as a key approach to enhance political and public service aspects of financial work, aiming to establish a long-term development mechanism [2] - The bank's leadership regularly reviews the development of inclusive finance, ensuring unified development strategies and accountability at all levels [2] - Measures such as maintaining KPI assessment weight and utilizing provincial bank activity rights are implemented to stimulate employee engagement [2] Group 2: Policy Implementation - Jinan ICBC has formed a dedicated task force to efficiently implement national small and micro enterprise financing policies, coordinating with government mechanisms [3] - The bank actively engages in "thousands of enterprises and ten thousand households" outreach activities, integrating various initiatives to enhance contact with small micro clients [3] Group 3: Product Innovation - Jinan ICBC focuses on the diverse needs of small micro clients, driving inclusive service through product innovation [5] - The bank has established a list of central state-owned enterprises in Jinan to better serve upstream and downstream small and micro enterprises through supply chain business [6] - Innovative products such as "泉城添翼贷," "AI贷," and "RT贷" have been launched to support local industries, with "泉融e贷" providing 1.32 billion yuan to 1,978 small micro enterprises [6]