Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!
随机图片

剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!

更新时间: 浏览次数: 748

400电话:123456(点击咨询)
剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!各观看免费《今日汇总》
剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!各热线观看免费2025已更新(2025已更新)








剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!各区点热线观看免费《今日发布》
Random Image 剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!电话








7天观看免费人工电话为您、剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!各观看免费《今日汇总》2025已更新(今日/推荐)








剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!电话区域:








赣州市(兴国县、全南县、信丰县、瑞金市、赣县区、宁都县、崇义县、于都县、章贡区、安远县、大余县、南康区、定南县、上犹县、石城县、龙南市、会昌县、寻乌县)








东莞市








宿迁市(宿豫区、泗阳县、泗洪县、沭阳县、宿城区)








郴州市(临武县、安仁县、桂阳县、桂东县、苏仙区、永兴县、宜章县、北湖区、汝城县、嘉禾县、资兴市)  南阳市(社旗县、桐柏县、邓州市、南召县、方城县、内乡县、唐河县、镇平县、宛城区、新野县、淅川县、卧龙区、西峡县)








鄂尔多斯市(康巴什区、鄂托克旗、伊金霍洛旗、准格尔旗、乌审旗、杭锦旗、鄂托克前旗、达拉特旗、东胜区)








咸阳市(秦都区、乾县、三原县、彬州市、永寿县、杨陵区、旬邑县、兴平市、武功县、淳化县、礼泉县、长武县、渭城区、泾阳县)








南通市(海门区、如皋市、海安市、崇川区、如东县、启东市、通州区)








宜宾市(长宁县、筠连县、高县、江安县、珙县、南溪区、屏山县、翠屏区、兴文县、叙州区)  临夏回族自治州(和政县、临夏市、积石山保安族东乡族撒拉族自治县、临夏县、东乡族自治县、永靖县、康乐县、广河县)








南京市(鼓楼区、栖霞区、六合区、江宁区、高淳区、建邺区、秦淮区、浦口区、玄武区、雨花台区、溧水区)








日喀则市(聂拉木县、亚东县、谢通门县、桑珠孜区、吉隆县、南木林县、江孜县、萨嘎县、康马县、定日县、昂仁县、仲巴县、仁布县、萨迦县、岗巴县、定结县、白朗县、拉孜县)








柳州市(鱼峰区、柳江区、柳北区、融水苗族自治县、三江侗族自治县、融安县、柳城县、城中区、鹿寨县、柳南区)








成都市(温江区、青白江区、郫都区、崇州市、大邑县、邛崃市、龙泉驿区、武侯区、金堂县、金牛区、都江堰市、双流区、新津区、锦江区、蒲江县、青羊区、新都区、彭州市、简阳市、成华区)








景德镇市(昌江区、乐平市、珠山区、浮梁县)








阿拉善盟(额济纳旗、阿拉善右旗、阿拉善左旗)








广安市(岳池县、前锋区、武胜县、华蓥市、广安区、邻水县)








长治市(沁县、上党区、壶关县、潞城区、沁源县、武乡县、黎城县、襄垣县、平顺县、潞州区、长子县、屯留区)








宣城市(绩溪县、宁国市、旌德县、郎溪县、宣州区、泾县、广德市)








漯河市(郾城区、源汇区、舞阳县、临颍县、召陵区)








遵义市(仁怀市、湄潭县、正安县、赤水市、务川仡佬族苗族自治县、红花岗区、播州区、绥阳县、道真仡佬族苗族自治县、习水县、余庆县、凤冈县、桐梓县、汇川区)








湘西土家族苗族自治州(泸溪县、保靖县、吉首市、永顺县、凤凰县、龙山县、花垣县、古丈县)








大庆市(肇州县、大同区、龙凤区、杜尔伯特蒙古族自治县、林甸县、让胡路区、肇源县、红岗区、萨尔图区)








牡丹江市(宁安市、绥芬河市、东安区、东宁市、海林市、西安区、穆棱市、爱民区、林口县、阳明区)








揭阳市(揭西县、普宁市、揭东区、榕城区、惠来县)








唐山市(丰润区、乐亭县、遵化市、滦州市、古冶区、丰南区、玉田县、曹妃甸区、路北区、路南区、迁西县、开平区、滦南县、迁安市)








新疆维吾尔自治区








玉溪市(红塔区、江川区、华宁县、新平彝族傣族自治县、澄江市、通海县、元江哈尼族彝族傣族自治县、易门县、峨山彝族自治县)








镇江市(京口区、丹徒区、丹阳市、句容市、润州区、扬中市)
400电话:123456(点击咨询)
剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!各观看免费《今日汇总》《今日发布》
剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!各观看免费《今日汇总》(2025已更新)








剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!各观看免费《今日汇总》【2025已更新列表】
剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!电话








7天观看免费人工电话为您、剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!中心2025已更新(今日/推荐)








剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!电话区域:








阳江市(阳东区、阳西县、阳春市、江城区)








云浮市(云安区、郁南县、新兴县、罗定市、云城区)








海西蒙古族藏族自治州(德令哈市、茫崖市、乌兰县、格尔木市、都兰县、天峻县)








凉山彝族自治州(普格县、木里藏族自治县、金阳县、布拖县、冕宁县、昭觉县、西昌市、盐源县、美姑县、会理市、越西县、德昌县、甘洛县、宁南县、会东县、喜德县、雷波县)  菏泽市(东明县、巨野县、单县、郓城县、牡丹区、曹县、鄄城县、成武县、定陶区)








昭通市(昭阳区、镇雄县、彝良县、鲁甸县、大关县、巧家县、水富市、盐津县、永善县、威信县、绥江县)








伊春市(汤旺县、伊美区、乌翠区、嘉荫县、金林区、友好区、大箐山县、铁力市、丰林县、南岔县)








本溪市(平山区、溪湖区、本溪满族自治县、桓仁满族自治县、明山区、南芬区)鞍山市(海城市、铁西区、岫岩满族自治县、台安县、立山区、千山区、铁东区)








绥化市(绥棱县、肇东市、北林区、庆安县、青冈县、海伦市、安达市、望奎县、明水县、兰西县)  葫芦岛市(龙港区、南票区、绥中县、兴城市、建昌县、连山区)








中山市








湖州市(长兴县、吴兴区、德清县、南浔区、安吉县)








宁波市(海曙区、北仑区、江北区、余姚市、鄞州区、宁海县、奉化区、镇海区、慈溪市、象山县)玉树藏族自治州(囊谦县、治多县、曲麻莱县、称多县、玉树市、杂多县)








兰州市(红古区、七里河区、城关区、榆中县、西固区、永登县、皋兰县、安宁区)








朝阳市(双塔区、凌源市、建平县、北票市、朝阳县、龙城区、喀喇沁左翼蒙古族自治县)








舟山市(定海区、岱山县、普陀区、嵊泗县)








三亚市(吉阳区、天涯区、海棠区、崖州区)








甘孜藏族自治州(道孚县、色达县、德格县、甘孜县、丹巴县、白玉县、雅江县、康定市、九龙县、稻城县、巴塘县、炉霍县、石渠县、泸定县、新龙县、乡城县、得荣县、理塘县)








阜阳市(颍泉区、颍上县、临泉县、太和县、颍州区、界首市、颍东区、阜南县)








汕头市(龙湖区、澄海区、濠江区、金平区、潮阳区、潮南区、南澳县)








吕梁市(兴县、岚县、方山县、文水县、临县、中阳县、石楼县、离石区、交城县、交口县、柳林县、汾阳市、孝义市)








果洛藏族自治州(甘德县、玛多县、达日县、久治县、班玛县、玛沁县)








广州市(番禺区、从化区、南沙区、越秀区、增城区、海珠区、花都区、荔湾区、天河区、白云区、黄埔区)








攀枝花市(米易县、东区、仁和区、盐边县、西区)








江门市(鹤山市、新会区、开平市、江海区、恩平市、台山市、蓬江区)








天津市(津南区、河东区、静海区、宝坻区、和平区、武清区、河北区、河西区、滨海新区、蓟州区、宁河区、南开区、红桥区、东丽区、西青区、北辰区)








儋州市








九江市(湖口县、德安县、瑞昌市、共青城市、永修县、浔阳区、修水县、庐山市、武宁县、都昌县、柴桑区、彭泽县、濂溪区)








博尔塔拉蒙古自治州(博乐市、精河县、阿拉山口市、温泉县)

◎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)

剩女不打折:实时捕捉世界精彩瞬间,尽享无与伦比的视觉盛宴!的相关文章 F勒布伦无缘乒乓球世界杯16强的相关文章
广东廉江一家三口遭同村村民杀害
特朗普关税“大棒”下,美国进口订单量暴跌64%
男子花 155 万贷款买迈巴赫跑网约车,称「接单看质量而非单量」,如何评价他的行为?体现怎样的价值观?
ns2定档6月5日正式发售
猫的一些叫声听起来格外可爱,人是怎么感知声音可爱程度的呢?
权志龙日本演唱会携程有票
8个月女婴被虐待体重仅6斤
双一流大学研究生是怎么洗澡的
三河市回应「警徽改色」事件,最初是为适配墙体颜色,新警徽已更换完毕,这一说法成立吗?应承担哪些责任?
五连冠创造历史!居文君击败谭中怡卫冕国际象棋棋后头衔
蔚来上周新增大定 9k,这次能翻身吗?
互联网公司直播员工周末上班
  • 友情链接:
  • 林冲为何要帮助李小二,并出钱让他可以在沧州谋生?这反映了什么? 高铁驶入时男子跳向车头不幸身亡 港股异动小米集团再跌超5% 贩卖出生医学证明,武汉一民营医院4人被判刑 特朗普嘲讽泽连斯基:向比你强大20倍的国家开战,还指望别人给导弹? “棉花糖爸爸”确认找到失踪女儿:19年寻遍全国,孩子或一直在失踪地生活 阿斯麦CFO:20%的全球员工在美国 拼多多宣布投入 1000 亿扶持商家,对西部地区电商发展有哪些积极影响? 小书虫问我「为什么礻和衤只差一点,却这么不一样」?阅读会让孩子发现哪些汉语的奥秘? 订婚强奸案审判长介绍房本加名经过 商务部:美方将关税工具化武器化 三河市牌匾禁用红蓝色,视频显示市监负责人曾说:红色让人烦躁,蓝色俗

    查看更多评价 ∨