在新疆这片广袤而充满活力的土地上，小微企业正成为推动地方经济高质量发展的重要力量。作为服务 实体经济的生力军，广发银行乌鲁木齐分行加大普惠金融服务力度，建立专项工作机制、倾斜政策资 源，并深入千余家企业问需解难，在降低企业融资成本方面持续发力。今年上半年，分行普惠型小微企 业贷款较年初增长17.6%、综合融资成本较上年下降29基点，切实助力更多小微企业轻装上阵。 新疆某酒业的发展是该分行支持小微企业成长的生动缩影。这家白酒生产和销售的企业曾面临资金周转 压力大、融资成本高等难题。2024年，该分行深入了解企业经营状况和发展需求，向企业发放了流动资 金贷款；今年，该分行进一步落实减费让利政策，主动将贷款利率下调65基点，为企业节约融资成本。 如今，该企业市场占有率逐步提升、新疆地域品牌特色凸显，正计划进一步扩大产能，将新疆特色白酒 推向更广阔的市场。 新疆维吾尔自治区正以蓬勃的发展姿态展现新时代的崭新面貌。 广发银行乌鲁木齐分行自成立以来，始终将自身发展融入新疆改革发展稳定大局，十三载风雨同行，始 终以金融活水精准灌溉实体经济，助力谱写大美新疆的壮丽篇章。截至2025年6月末，该分行已服务各 类客户超27万户， ...

Core Insights - The article emphasizes the importance of supply chain finance as a key channel for serving the real economy, with a focus on the "stabilizing and strengthening the chain" policy [1] - The total funding amount through the "e-second supply chain" online platform has exceeded 40 billion yuan this year, targeting critical sectors such as manufacturing, logistics, agriculture, and food [1] Group 1: Supply Chain Finance Innovations - Supply chain finance innovations are driving industrial upgrades, with a notable example being a leading Chinese engineering machinery manufacturer that has partnered with the bank to provide efficient online financing support to over 600 small and medium suppliers, totaling 2.5 billion yuan [2] - The "one credit, shared limit" business model has effectively addressed challenges such as decentralized member units and low credit efficiency [2] Group 2: Agricultural Sector Support - The agricultural supply chain is long and complex, and the bank has introduced a "ticket-chain integration" model to alleviate financing difficulties for small and micro enterprises, ensuring a "T+0" experience for financing applications to fund disbursement [3] - This model enhances the financing capabilities of farmers and improves transaction efficiency while helping core enterprises optimize their financial structures [3] Group 3: Logistics Industry Transformation - In the logistics sector, the bank has enabled a leading automotive logistics company to shorten settlement cycles and reduce financing costs through a non-recourse domestic factoring business [4] - This online service allows carriers to finance immediately upon confirmation of payable freight, thus ensuring timely payments and enhancing operational efficiency [4] Group 4: Inclusive Finance Development - The bank is expanding its inclusive finance coverage by supporting regional specialty industries, exemplified by a food company in Dongguan that benefits from a "dual limit" supply chain business model [5] - This model allows small and micro enterprises to access bank financing at lower costs, with real-time monitoring of fund flows to enhance transparency and reduce risks [5] Group 5: Future Directions - The bank aims to continue focusing on key industries and critical areas to support the optimization and upgrading of supply chains, promoting high-quality development and mutual benefits in the real economy [5]