"Institutional Business Dynamics" Beijing Rural Commercial Bank builds inclusive finance with capital characteristics.

In recent years, Beijing Rural Commercial Bank, firmly based on its business origin, has comprehensively improved the adaptability and overall efficiency of comprehensive financial services for small and medium-sized enterprises by strengthening the support of policy resources, building green channels, increasing product innovation, and improving due diligence and exemption, and made inclusive finance better and better. Integrate and launch a series of distinctive agriculture-related credit products such as "quick loan for benefiting farmers", "new residence loan", "agricultural e-link" and "loan for farmers' professional cooperatives" to promote the organic connection between agricultural business entities and modern agricultural development.

We launched the "Capital Employee Entrepreneurship Microfinance", tailored the exclusive bookkeeping service of "Phoenix e-Accounting" for small and micro enterprises, and established a batch, online and intelligent small and micro display mode based on digital financial technology to fully meet the financial needs of various business entities and support the sustainable development of agriculture-related, private and small and medium-sized enterprises.

Taking finance as the direction, Beijing Rural Commercial Bank promotes industrial integration, kinetic energy conversion and scientific and technological innovation, and takes the opportunity of promoting the construction of key projects such as "innovative financing" docking and "bank-tax interaction" to continuously promote the systematic construction of "six mechanisms" for small and micro enterprises, build a "policy+product+service" system, enrich financial supply channels, and strengthen accurate drip irrigation of funds, effectively alleviating the financing difficulties and expensive problems of SME customers. In the first half of 200212002, the inclusive small and micro enterprise loans of Beijing Rural Commercial Bank increased by more than 50% compared with the beginning of the year, and the weighted average interest rate of inclusive small and micro enterprise loans remained at a low level.

In the next step, Beijing Rural Commercial Bank will continue to improve the comprehensive financial service capabilities of small and micro enterprises, better solve problems for small and micro enterprises, and open up the "last mile" of financial services.