According to the data of Agricultural Bank of China (hereinafter referred to as ABC), by the end of February 2023, the balance of inclusive small and micro enterprise loans of ABC exceeded 1.4 trillion yuan, an increase of 330 billion yuan year-on-year, with a growth rate of 32%. In the first two months of this year, 328,654.38 billion yuan of inclusive loans were added, and the interest rate further dropped to 4.03%; Credit support for 2.02 million Pratt & Whitney customers increased by 340,000.

The relevant person in charge of the Agricultural Bank said that in recent years, the bank has vigorously promoted the digital transformation strategy, given full play to its advantages, coordinated online and offline services, and provided omni-channel, full-process and full-coverage financial services for inclusive finance; Whitney customers, and made many breakthroughs.

There are more and more loan products for customers. China Agricultural Bank continued to deepen the digital transformation, and made great efforts in the construction of three digital product lines: credit extension, credit enhancement and industrial chain, and constantly enriched financing scenarios to meet the financing needs of small and micro enterprises, farmers and individual industrial and commercial households.

The financing cost of customers is getting lower and lower. The Agricultural Bank of China has fully benefited small and micro enterprises, and the loan interest rate of small and micro enterprises has been declining; Reduce the financing cost of enterprises by issuing credit loans; Take the initiative to bear the mortgage assessment fees, insurance fees, mortgage registration fees and other fees charged by third-party institutions; Exempt all service fees related to small and micro enterprise loans.

Customer processing time is getting shorter and shorter. China Agricultural Bank launches "inclusive finance" service. Whitney e-Station is dedicated to serving small and micro enterprises on platforms such as Bank of China, online banking and WeChat applet. With a click, you can get all kinds of one-stop and all-weather financial services. Enterprises can make an appointment online, designate outlets and service personnel to open accounts, which greatly shortens the business processing time. Using big data analysis, artificial intelligence and other scientific and technological means to integrate internal and external data, provide accurate positioning and three-dimensional services for small and micro enterprises, and issue loans online, eliminating the cumbersome links in the past. Small and micro enterprise loans can be "repaid in seconds, with the loan".

Customer service experience is getting warmer and warmer. China Agricultural Bank deepened the two-wheel drive service system for agriculture, rural areas and farmers in inclusive finance, and built 1 000 head office-level and 1 000 branch-level Pratt & Whitney franchises, reducing service focus, and creating a warm and convenient service environment, rich and varied service contents and service culture that is deeply rooted in people's hearts. Extend the service tentacles of 22,000 physical outlets, extensively establish Huinongtong service points, and comprehensively enhance the service capabilities of outlets in inclusive finance.

The person in charge said that the Agricultural Bank of China, as the main force in inclusive finance, is focusing on the strategy of "building the best digital eco-bank/all-inclusive" in the field of agriculture, rural areas and farmers, constantly tilting resources to the grassroots and outlets, deepening the mechanism of "being able to lend, willing to lend and daring to lend", constantly improving the universality and directness of financial services, improving people's lives and facilitating enterprise financing.

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