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◎记者陈佳怡

普惠金融,一头连着百姓生活,一头连着发展大局。

2024年,是金融业做好“五篇大文章”的首个完整年度。随着A股年报的披露,上市银行2024年普惠金融答卷跃然纸上:一方面,金融机构在普惠金融供给端做“加法”,普惠金融覆盖面不断扩大;另一方面,在融资成本上做“减法”,持续推动普惠贷款利率下降,充分彰显“普”与“惠”的内涵。

上市银行普惠金融发展态势喜人

从年报披露的信息来看,上市银行普惠金融发展态势喜人。

作为服务实体经济的“主力军”,国有大行普惠金融发展蹄疾步稳。截至2024年末,农业银行普惠金融贷款余额为4.66万亿元(央行口径),其中普惠型小微企业贷款余额为3.23万亿元、增速达31.3%。工商银行、中国银行和交通银行普惠型小微企业贷款增长也较快,同比增速均接近30%。建设银行普惠金融贷款余额为3.41万亿元,服务客户336万户,较上年增加18.51万户。邮储银行普惠型小微企业贷款余额占客户贷款总额比重超过18%,居国有大行前列。

股份行方面,招商银行、民生银行和中信银行的普惠型小微企业贷款余额名列前三,分别为8876.79亿元、6627.18亿元和5998.25亿元。从增速来看,在已披露数据的股份行中,光大银行普惠型小微企业贷款余额以14.85%的同比增速表现亮眼。中信银行普惠金融专业化体制机制持续完善,“中信易贷”产品货架不断丰富,全年服务小微企业超30万户,覆盖近80%的国民经济行业。

作为深耕当地的城、农商行,其普惠金融的触角也在不断下沉延伸。数据显示,青岛银行、北京银行的普惠金融贷款余额增速均超30%,在同类银行中表现突出。农商行之中,渝农商行、常熟银行的普惠型小微企业贷款余额均超1000亿元。

除了不断提升服务覆盖面,推动综合融资成本稳中有降也是普惠金融高质量发展的应有之义。上市银行在融资成本上积极做“减法”。例如,郑州银行披露,该行普惠型小微企业贷款当年发放利率为3.67%,较上年末下降76个基点。

科技赋能普惠金融提质增效

细读上市公司年报可以发现,科技已经成为发展普惠金融的强劲推动力。其中,数字化是金融机构提升普惠金融效能的重要抓手。

普惠金融的核心在于降低金融服务的成本和门槛,使更多人能够享受到金融服务。数字技术与普惠金融的结合,催生出数字普惠金融这一新型模式,逐步拓宽传统普惠金融的服务边界。

中国普惠金融研究院研究员张晓峰对上海证券报记者表示,金融机构可借助数字化转型持续提升普惠金融服务的质效。数字技术通过降低获客成本、提升服务效率,提高客户满意度,同时增强风险管理能力。从长远发展看,金融机构可以将数字化转型纳入发展战略并坚定贯彻实施。

多家上市银行年报也充分彰显“科技范”。例如,建设银行运用互联网、大数据、人工智能和生物识别等技术,为普惠金融客户打造了综合化生态型服务平台——“建行惠懂你”。截至2024年末,该平台引流获客效能持续提升。

浙商银行在年报中介绍,该行全面推进普惠金融数字化、场景化转型,推动普惠金融高质量发展。打造浙银数字普惠品牌,创新推出综合性数字化业务产品服务,加大首贷、续贷、信用贷、中长期贷款投放,持续加大对民营、小微企业和个体工商户的金融支持。

随着AI热度的不断攀升,部分银行也在探索如何将AI应用于普惠金融领域。常熟银行在年报中表示,该行秉持“科技让普惠金融更有温度”的理念,深耕计算机视觉、智能语音、自然语言处理、知识图谱、智能模型等领域的专业能力,构建起涵盖基础研究、场景开发、系统运维等的AI创新体系,推动AI在普惠金融服务领域落地实践,为用户带来便捷化、个性化、智能化的极致产品体验。

供需发力搭建银企精准对接桥梁

长期以来,破解小微企业融资困境是金融机构面临的重要课题。

自去年10月支持小微企业融资协调工作机制启动以来,小微企业融资“梗阻”得以进一步打通。该项机制通过搭建起银企精准对接的桥梁,从供需两端发力,解决小微企业“喊渴”、银行“喊难”的困境。

多家上市银行也在年报中披露了相关工作的进展。农业银行介绍,该行积极做实支持小微企业融资协调工作机制,组建工作专班,深入园区、社区、乡村开展“千企万户大走访”活动。截至2024年末,农业银行累计走访小微企业141万户,为87万户小微企业授信11235亿元,为85.5万户小微企业发放贷款7041亿元。

北京银行透露,该行构建了专班机制统筹部署,围绕“两张清单”积极走访企业需求,依托“四级专班”搭建区县级银政对接机制;建立“千企万户大走访”活动的“日跟进、周通报、月排名”机制,全面摸排小微企业融资需求;上线小微企业融资协调机制智拓平台,为企业提供便捷融资服务;积极落实“应续尽续”“应免尽免”。

金融监管总局普惠金融司司长蒋平近日表示,下一步,金融监管总局将按照“保量、提质、稳价、优结构”的总体目标,继续会同国家发展改革委做深做实支持小微企业融资协调工作机制,推动加大信息共享力度,引导金融机构精准对接,保持小微企业贷款投放力度,提升贷款质量,科学合理确定贷款利率,优化贷款业务结构,加大首贷、续贷、信用贷的支持力度,更好满足守信小微企业的融资需求。

(文章来源:上海证券报)

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