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
小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!
随机图片

小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!

更新时间: 浏览次数: 388

400电话:123456(点击咨询)
小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!各观看免费《今日汇总》
小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!各热线观看免费2025已更新(2025已更新)








小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!各区点热线观看免费《今日发布》
Random Image 小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!电话








7天观看免费人工电话为您、小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!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,








小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!各观看免费《今日汇总》2025已更新(今日/推荐)








小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!电话区域:








宁德市(屏南县、寿宁县、周宁县、古田县、霞浦县、柘荣县、福鼎市、福安市、蕉城区)








莆田市(荔城区、秀屿区、城厢区、仙游县、涵江区)








五指山市(琼海市、乐东黎族自治县、文昌市、临高县、澄迈县、白沙黎族自治县、定安县、屯昌县、万宁市、东方市、保亭黎族苗族自治县、陵水黎族自治县、昌江黎族自治县、琼中黎族苗族自治县)








池州市(石台县、东至县、青阳县、贵池区)  天津市(和平区、武清区、河东区、滨海新区、津南区、宝坻区、静海区、西青区、蓟州区、宁河区、东丽区、河北区、北辰区、红桥区、南开区、河西区)








宝鸡市(千阳县、眉县、麟游县、扶风县、陈仓区、凤翔区、金台区、太白县、陇县、渭滨区、岐山县、凤县)








许昌市(鄢陵县、襄城县、长葛市、建安区、禹州市、魏都区)








珠海市(斗门区、金湾区、香洲区)攀枝花市(米易县、东区、盐边县、西区、仁和区)








伊犁哈萨克自治州(巩留县、霍尔果斯市、奎屯市、特克斯县、霍城县、昭苏县、新源县、尼勒克县、伊宁县、察布查尔锡伯自治县、伊宁市)  淮北市(濉溪县、杜集区、烈山区、相山区)








湘潭市(湘潭县、湘乡市、岳塘区、韶山市、雨湖区)








湛江市(廉江市、雷州市、吴川市、麻章区、坡头区、霞山区、遂溪县、徐闻县、赤坎区)








淮南市(田家庵区、大通区、八公山区、寿县、凤台县、谢家集区、潘集区)








滁州市(全椒县、明光市、天长市、来安县、琅琊区、定远县、南谯区、凤阳县)








六盘水市(水城区、钟山区、六枝特区、盘州市)








运城市(绛县、万荣县、临猗县、河津市、闻喜县、芮城县、盐湖区、垣曲县、平陆县、新绛县、永济市、夏县、稷山县)








大兴安岭地区(呼玛县、塔河县、漠河市)








洛阳市(新安县、瀍河回族区、涧西区、宜阳县、伊川县、洛宁县、汝阳县、洛龙区、老城区、西工区、嵩县、偃师区、孟津区、栾川县)








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








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








荆州市(监利市、公安县、荆州区、洪湖市、石首市、松滋市、沙市区、江陵县)








六安市(金安区、金寨县、裕安区、霍邱县、叶集区、舒城县、霍山县)








江门市(新会区、江海区、恩平市、蓬江区、台山市、开平市、鹤山市)








衢州市(常山县、江山市、龙游县、衢江区、开化县、柯城区)








邯郸市(永年区、临漳县、涉县、馆陶县、曲周县、成安县、邱县、复兴区、邯山区、广平县、峰峰矿区、大名县、魏县、丛台区、肥乡区、磁县、武安市、鸡泽县)








阜阳市(颍东区、颍州区、临泉县、阜南县、太和县、颍泉区、颍上县、界首市)








阿坝藏族羌族自治州(阿坝县、黑水县、理县、壤塘县、小金县、若尔盖县、金川县、九寨沟县、松潘县、茂县、汶川县、红原县、马尔康市)








凉山彝族自治州(美姑县、甘洛县、普格县、会理市、昭觉县、越西县、冕宁县、喜德县、木里藏族自治县、宁南县、金阳县、德昌县、雷波县、西昌市、盐源县、会东县、布拖县)








来宾市(金秀瑶族自治县、忻城县、武宣县、兴宾区、合山市、象州县)
400电话:123456(点击咨询)
小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!各观看免费《今日汇总》《今日发布》
小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!各观看免费《今日汇总》(2025已更新)








小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!各观看免费《今日汇总》【2025已更新列表】
小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!电话








7天观看免费人工电话为您、小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!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,








小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!中心2025已更新(今日/推荐)








小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!电话区域:








喀什地区(叶城县、伽师县、塔什库尔干塔吉克自治县、喀什市、疏勒县、泽普县、岳普湖县、英吉沙县、巴楚县、莎车县、疏附县、麦盖提县)








抚州市(宜黄县、东乡区、乐安县、南城县、金溪县、南丰县、资溪县、临川区、广昌县、黎川县、崇仁县)








遂宁市(船山区、大英县、安居区、蓬溪县、射洪市)








黔南布依族苗族自治州(平塘县、福泉市、罗甸县、龙里县、惠水县、独山县、荔波县、都匀市、贵定县、瓮安县、三都水族自治县、长顺县)  眉山市(青神县、洪雅县、彭山区、丹棱县、仁寿县、东坡区)








酒泉市(瓜州县、肃州区、阿克塞哈萨克族自治县、敦煌市、玉门市、肃北蒙古族自治县、金塔县)








濮阳市(华龙区、南乐县、台前县、濮阳县、清丰县、范县)








七台河市(桃山区、勃利县、茄子河区、新兴区)桂林市(雁山区、兴安县、恭城瑶族自治县、全州县、龙胜各族自治县、七星区、临桂区、荔浦市、平乐县、叠彩区、永福县、资源县、灌阳县、秀峰区、灵川县、象山区、阳朔县)








达州市(达川区、宣汉县、渠县、开江县、通川区、万源市、大竹县)  益阳市(桃江县、安化县、南县、赫山区、资阳区、沅江市)








汕头市(澄海区、金平区、龙湖区、潮南区、濠江区、潮阳区、南澳县)








昌都市(贡觉县、左贡县、江达县、丁青县、洛隆县、察雅县、芒康县、边坝县、卡若区、八宿县、类乌齐县)








丹东市(东港市、振安区、元宝区、宽甸满族自治县、振兴区、凤城市)西宁市(城北区、大通回族土族自治县、城中区、城西区、湟中区、湟源县、城东区)








甘南藏族自治州(卓尼县、迭部县、夏河县、合作市、玛曲县、碌曲县、舟曲县、临潭县)








泰安市(岱岳区、东平县、泰山区、新泰市、肥城市、宁阳县)








黄石市(铁山区、大冶市、阳新县、下陆区、黄石港区、西塞山区)








鄂州市(梁子湖区、华容区、鄂城区)








锡林郭勒盟(苏尼特右旗、西乌珠穆沁旗、镶黄旗、阿巴嘎旗、太仆寺旗、锡林浩特市、苏尼特左旗、正蓝旗、多伦县、正镶白旗、东乌珠穆沁旗、二连浩特市)








平顶山市(舞钢市、新华区、石龙区、湛河区、叶县、卫东区、汝州市、宝丰县、鲁山县、郏县)








天水市(清水县、张家川回族自治县、武山县、秦安县、甘谷县、秦州区、麦积区)








塔城地区(托里县、额敏县、沙湾市、和布克赛尔蒙古自治县、塔城市、裕民县、乌苏市)








黄南藏族自治州(河南蒙古族自治县、泽库县、同仁市、尖扎县)








秦皇岛市(海港区、卢龙县、山海关区、青龙满族自治县、抚宁区、北戴河区、昌黎县)








临汾市(永和县、吉县、曲沃县、大宁县、浮山县、蒲县、隰县、霍州市、襄汾县、古县、翼城县、尧都区、安泽县、乡宁县、汾西县、洪洞县、侯马市)








三亚市(天涯区、海棠区、崖州区、吉阳区)








保定市(定兴县、涞水县、徐水区、安新县、高阳县、阜平县、博野县、雄县、清苑区、唐县、顺平县、蠡县、易县、定州市、涿州市、容城县、涞源县、莲池区、望都县、满城区、竞秀区、曲阳县、安国市、高碑店市)








聊城市(茌平区、东昌府区、莘县、东阿县、冠县、高唐县、临清市、阳谷县)








东营市(广饶县、河口区、利津县、垦利区、东营区)








清远市(佛冈县、阳山县、连山壮族瑶族自治县、连南瑶族自治县、英德市、连州市、清新区、清城区)

◎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)

新闻结尾 小泽玛利亚最新电影:解锁隐藏在影幕后的那些激情与故事!的相关文章
沪指低开反弹录得8连涨
刘国正说雨果完全是拼刺刀的打法
中国男乒8年半未出新科单打世界冠军
美国人开始飞中国代购中国制造
想培养孩子的英语阅读习惯,有哪些好方法?
7人在上海迪士尼疯狂偷玩具被抓
  • 友情链接:
  • 12306推出宠物托运功能 内外资机构看好A股韧性 ns2定档6月5日正式发售 MCN为700余名主播偷逃税3200余万

    查看更多评价 ∨