The reporter learned from ABC that the Bank had newly published its official 2014 report on banking services for small and micro businesses, the first report of its kind issued by a large commercial bank in China. According to the report, in 2014, the number of ABC lending customers from small and micro businesses (including privately owned businesses and owners of privately owned enterprises) reached 250,000, an increase of 30,000 over the year beginning; the loan balance hit RMB974.9 billion, indicating a growth of RMB161.6 billion over the year beginning and a growth rate of 19.9% which was far higher than the average growth rate of its domestic loans. The Bank successfully fulfilled the objective that the growth rate of loans to small and micro enterprises and agriculture-related loans should not be lower than the average loan growth rate and the increase of loans to small and micro enterprises and agriculture-related loans should not be lower than those in previous year, and topped the banking industry in terms of increment, honoring its commitment of "a large bank serving small customers".
Small and micro businesses are an important force of the national economy and will play increasingly more important role in stabilizing growth, creating jobs, driving innovations, prospering market and meeting public demands under the new normal. Honestly implementing the deployments made by CPC Central Committee and the State Council, ABC gave priority to banking services for small and micro businesses in serving the new normal, supporting real economy and fulfilling social responsibilities and played a major role in supporting small and micro businesses with stronger supports and better services.
The report describes the banking services for small and micro businesses provided by ABC in 2014 in terms of stabilizing growth, creating jobs, benefiting the public, promoting innovation and prospering market.
Stabling growth is the major economic task. ABC is focused on helping small and micro businesses become stronger, to support the healthy development of real economy. Based on its years' expertise and human resource advantage, ABC did its best to support small and micro customers with funds and services to help them kick off and expand, and to create a favorable situation of "strong large enterprises and numerous small businesses".
Centering on creating jobs, ABC gave wholehearted support to small and micro businesses which created 70% jobs in China. ABC gave credit support to small and micro manufacturers and service providers to create more jobs, and helped small and micro businesses in rural areas to create jobs for local farmers.
As for benefiting the public, ABC in 2014 gave strong support to agriculture-related small and micro businesses to drive up the efficiency of agricultural production, income of farmers and development of rural areas. It helped small and micro businesses in poverty relief project clusters to improve basic financial services and consolidate poverty relief results; laid solid foundation for industrial capacity and boosted urbanization progress. It also tapped the human resource advantage of its outlets to provide small and micro businesses with publicly beneficial banking services and expanded services to townships and poverty stricken areas; ABC observed its green credit concept to organically integrate social responsibilities with economic benefits.
To back up business startup and innovation by the public, ABC actively explored the effective integration of technology and finance, enhanced credit input and specialized banking services in emerging industries with strategic importance, agricultural technology and cultural creativity to help small and micro businesses improve their independent innovation and foster conversion of technological results into productivity. Based on Internet finance technology and making full use of its Big Data-based analysis and access to information, ABC introduced the innovative "data-based online loan" based on big data analysis as solution to financing difficulties.
Small and micro businesses are the source of market vitality. ABC was dedicated to helping privately owned small and micro businesses tide over crisis with regulated loan services. It supported the growth of privately owned businesses and small and micro businesses in commerce and trade sectors, to prosper private economy and boost market vitality.



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