In order to further implement the spirit of the Central Financial Work Conference and the Implementation Opinions of the State Council on Promoting the High Quality Development of Inclusive Finance, and actively implement the work deployment of the State Financial Supervision and Administration, SPDB launched the "Inclusive Finance Promotion Month" action in an all-round way, actively connected with the financial needs of market entities and the people, and promoted inclusive financial policies and products in various ways, Summarize the achievements and experience of inclusive finance development in the past ten years, and strive to write a great article on inclusive finance, so as to help the high-quality development of the real economy.

In promoting the implementation of the "Inclusive Finance Promotion Month", SPDB actively carried out the docking among government, banking, insurance and enterprises, increased research and visits, understood customer needs, and actively provided diversified, affordable and understandable financial products. At the same time, we will increase the publicity of inclusive financial policies, products and services, continue to optimize customer service experience, and constantly improve the accuracy and coverage of inclusive financial services.

In order to improve the service level of small and micro enterprises, the Bank has previously launched the "inclusive+partner banking service initiatives for small and micro customers" to the market, bringing together 30 measures, including the launch of financial products such as "online e-loan", incubation loan, and technology fast loan; Create service modes such as investment and loan linkage, credit insurance linkage, debt equity linkage, and debt insurance linkage; We will actively promote fee reduction and profit sharing, and strive to build a comprehensive inclusive financial service system and foster a new inclusive ecology.

In particular, in terms of serving small and micro technology-based enterprises, Shanghai Pudong Development Bank, centering on the different needs of technology-based enterprises in different growth stages, provides full life cycle services to accompany enterprises to grow together. The bank innovatively launched a "5+7+X" product system, in which, for small and micro technology-based enterprises in the seed stage and start-up stage, it launched "Pu Chuang Dai", "Pu Investment Loan", "Pu Ke Subsidy Loan", "Pu Ke Performance Loan" and other characteristic financing products; Build an incubator to realize service introduction with SPDB's iron partner alliance and help the achievement transformation of early technology enterprises. By the end of 2023, the Bank had more than 8000 small and micro loan households in science and technology finance, with a balance of more than 90 billion yuan.

In terms of serving agricultural modernization, SPDB actively promoted the improvement of comprehensive agricultural production capacity and the optimization and adjustment of agricultural structure. Focus on the needs of various subjects in the agricultural industry chain, and help to strengthen the agricultural industry chain. For upstream agricultural planting and breeding enterprises, it provides financing services such as planting loan, order loan, account loan, factoring, etc., and for downstream agricultural wholesale and retail enterprises, it provides supply chain mode solutions such as scenario loan (pure credit), goods floating mortgage mode, credit sales mode (difference compensation), fund flow closed-loop control mode, etc.

The innovation of products and services can not be separated from the support of science and technology. It is worth mentioning that after years of exploration and practice, Shanghai Pudong Development Bank has created a unique digital operation road of inclusive finance. Specifically, the Bank continued to upgrade the Puhui e-finance 2.0 service system and deepen the transformation of digital business model; Enrich the connotation of online financing service and launch six product systems; Build an intelligent risk control system for small enterprises to support sustainable business development; Expand the carrier of inclusive financial services and iterate the means of inclusive financial services.

This series of innovative achievements have also been recognized by all walks of life. In 2020, Shanghai Pudong Development Bank's Puhui e-finance digital service platform won the second prize of the Financial Innovation Achievement Award of Shanghai Municipal People's Government and the Excellent Application Scenario Award of Shanghai People's Finance; In 2021, Shanghai Pudong Development Bank's online financing service for small and micro enterprises based on blockchain technology will be approved by the People's Bank of China for sandbox innovation

The relevant person in charge of Shanghai Pudong Development Bank said that the bank will continue to improve and enrich the inclusive financial comprehensive service system and service ecosystem and continuously improve the quality and efficiency of inclusive financial services from the strategic height of "achieving sustainable development, through scientific and technological innovation, financial empowerment, fulfilling social responsibilities, and truly serving the real economy", Stimulate the endogenous driving force for the operation and development of small and micro enterprises, and promote the high-quality development of the real economy.

Source: Shanghai Pudong Development Bank

Edited by Xu Fanfang

Second instance Li Jie

Third instance Min Jie