Core Viewpoint - The article highlights the importance of financial services tailored for "specialized, refined, unique, and innovative" enterprises in China's economic transformation, exemplified by the successful financing of Xiamen Oulitong Electronic Technology Development Co., Ltd. through the "Xing Su Dai" product by Industrial Bank's Xiamen branch [1][3]. Group 1: Financial Innovation - The "Xing Su Dai" product provides efficient financing services specifically designed for high-growth, asset-light technology companies, addressing their unique financing needs [2][3]. - The Xiamen branch of Industrial Bank has embraced digital transformation, utilizing advanced digital technologies to create comprehensive enterprise customer profiles, enabling precise identification of promising tech enterprises [2]. Group 2: Policy Implementation and Collaboration - The successful implementation of the "Xing Su Dai" product is a direct result of the bank's commitment to national policies supporting small and micro enterprises, showcasing effective collaboration between financial institutions and businesses [3]. - The bank has actively engaged in initiatives like the "Thousand Enterprises, Ten Thousand Households" outreach program to understand the actual financing needs of enterprises, thereby providing tailored financial solutions [3]. Group 3: Future Outlook - The emergence of more online financing products like "Xing Su Dai" signifies a closer integration of traditional finance with technological innovation, contributing to high-quality economic development in China [4]. - The Xiamen branch plans to continue offering comprehensive financial services to technology enterprises, supporting their growth and contributing to the broader innovation landscape in Xiamen and nationwide [4].

证券之星消息，8月8日股份制银行板块较上一交易日下跌0.24%，招商银行领跌。当日上证指数报收于3635.13，下跌0.12%。深证成指报收于 11128.67，下跌0.26%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 600000 | 浦发银行 | 14.17 | 1.72% | 96.74万 | 13.68亿 | | 601818 | 光大银行 | 4.15 | 0.48% | 157.14万 | 6.54亿 | | 601916 | 浙商银行 | 3.43 | 0.29% | 206.09万 | 7.07亿 | | 600016 | 民生银行 | 4.97 | 0.00% | 202.61万 | 10.12亿 | | 601166 | 兴银行 | 23.06 | -0.04% | 41.08万 | 9.49亿 | | 600015 | 体直银行 | 8.12 | -0.12% | 35.99万 | 2.94亿 | | 601998 | 中信银行 | 8 ...

近日，兴业银行（601166）济南分行通过创新产品与高效服务，成功为滨州某重点金属加工企业解决紧 急融资需求，在避免企业损失50余万元利息的同时，保障其生产经营周转，展现了金融服务实体经济的 实效。 该企业是滨州市具有高成长性的制造业企业，年产值超2亿元，产品广泛应用于汽车制造、工程机械等 领域。近期，企业启动新厂房建设项目，自有资金投入后，流动资金趋紧，急需1000万元支付原材料采 购款。然而，企业法人在该行存有2000万元未到期定期存款，若提前支取将损失超50万元利息收益。如 何在"保收益"与"解燃眉"间找到平衡，成为企业亟需破解的难题。 此次合作进一步推动银企关系从单一融资向全面合作升级，企业计划将更多结算、资金管理业务转移至 该行，并表达了在供应链金融、跨境融资等领域深化合作的意向。该行依托金融科技探索了一条"数据 代替材料、线上代替线下、系统代替人工"服务路径，既发挥了综合服务优势，又通过信用融资模式降 低了企业融资门槛，为同类企业提供了可复制的普惠金融服务模板。 兴业银行济南分行相关负责人表示："此次服务印证了科技赋能与产品创新对实体经济的支撑作用。我 们将持续探索普惠金融新路径，以更高效、更贴心 ...

5月7日，也就是金融监管总局宣布支持符合条件的全国性商业银行设立AIC的当天，兴业银行即获 批筹建兴银金融资产投资有限公司，成为全国首家由全国性股份制银行设立的AIC。5月8日，招商银行 发布公告称，拟出资150亿元发起设立AIC。至此，股份制银行在AIC领域的竞争格局加速形成。 从专注债转股业务到试点股权投资业务，银行系AIC加速入局股权投资市场，正在成为支持科技创 新的重要金融力量。科技企业具有高投入、高风险、高回报、长周期的特征，与银行传统信贷风险偏好 不匹配。AIC股权投资试点开辟了银行资金支持股权投资的新路径，AIC可以直接开展长期股权投资， 以长期资本介入科创企业，同时充分利用母行的对公业务资源，精准识别优质科创项目，提供综合化服 务。市场预计，后续资本实力较强、综合经营建设完善的全国性商业银行将积极设立AIC，进而为科创 企业带来增量耐心资本。 继兴业银行获批筹建兴银金融资产投资有限公司之后，国内将迎来第二家由股份制银行设立的金融 资产投资公司（AIC）。 6月3日，中信银行表示，已于近日收到批复，金融监管总局同意筹建信银金融资产投资有限公司 （暂定名"信银金投"）。信银金投注册资本金拟为人民币 ...

回望这段绿色征程，兴业银行天津分行从"做大规模"到"做深内涵"的转型轨迹清晰可见。天津分行 依托总行"集团+行业+专案"三层级绿色金融产品体系，精准对接节能环保、新能源制造、绿色建筑等 重点行业，系统构建"政策引导+产品创新+场景融入"的全链条绿色金融服务模型，在推动绿色与经 济"双轮驱动"中不断突围破题。 "绿水青山就是金山银山。"20年来，这一理念已从地方实践上升为国家战略，无论是从生态兴国到 生态强国，还是从理念觉醒到制度建构，一条以绿色发展为底色的现代化之路愈发坚定而清晰。在这场 生态发展理念深刻变革的过程中，金融系统不再只是资本流动的服务者，更成为生态文明建设的推动者 和参与者。 兴业银行天津分行始终坚持"金融为民、绿色发展"的使命导向，聚焦国家"双碳"战略，以服务绿色 转型为牵引，不断夯实绿色金融底座、拓展绿色融资广度、提升绿色服务深度，用金融"活水"灌溉津沽 大地的青山绿水。截至2025年6月末，兴业银行天津分行绿色贷款余额超130亿元，绿色融资余额近300 亿元，服务区域绿色企业超过1800家，绿色金融业务增量、增幅连续多个季度居系统内前列。 以产业为脉，以城市为基。兴业银行在滨海新区、北辰区 ...

Group 1 - The core viewpoint emphasizes the urgent need for financial institutions to support technology startups due to high innovation costs, significant investments, and a lack of collateral [1][2] - The People's Bank of China and seven other departments have launched a work plan to enhance financial services for technology firms, focusing on early, small, long-term, and hard technology investments [2][5] - Financial institutions are innovating new service models to support early-stage technology companies, with commercial banks increasingly willing to provide loans to startups [2][3] Group 2 - The "Technical Flow" credit evaluation system by Industrial Bank has successfully provided loans totaling nearly 850 billion yuan to over 15,000 enterprises, addressing funding needs during critical phases of development [3][7] - Beijing Zhongguancun Bank has introduced the "Hui Chuang Loan" product, which assesses credit based on talent evaluation, including educational background and technical capabilities [4][6] - The government has emphasized the importance of supporting early-stage technology firms, leading to the establishment of a financial support system that integrates equity investment and loan mechanisms [5][6] Group 3 - Banks are actively exploring new models of investment-loan linkage to broaden financing channels and meet diverse financial needs of technology companies [6][7] - The Industrial Bank has partnered with external financial resources to create a 20 billion yuan industry cluster fund targeting key sectors such as electronic information and biomedicine [7][8] - Construction Bank is building a technology financial ecosystem by connecting various stakeholders, providing comprehensive services that include financial support, incubation, and industry guidance [8]

"这些年，我们企业从蹒跚起步到申报IPO，发展过程中每遇到困难，总有严毅明和他的同事帮我 们搭桥铺路，急人之所急，这一点实在难能可贵。"提及兴业银行员工严毅明，影石创新科技公司相关 负责人印象深刻、连连称赞。 从一名一线的业务经理，到兴业银行深圳分行科技金融中心主任，严毅明在陪伴科技公司一路成长 的同时，深入研究科技型企业所属行业及其产业链上下游行业的特点、金融需求，逐渐成长为创投机构 和科技产业的"圈内人"。 置身于深圳这座"创新之城"，近年来，严毅明带领团队发挥兴业银行科技金融优势，因地制宜打造 特色服务，引金融活水滋养创新一线，持续助力科技新秀成长为"小巨人""独角兽"。 跳出"商行"思维 走出"高定"路线 2022年，严毅明在带领团队拜访一家国家级专精特新"小巨人"企业时发现，面对传统的贷款、理财 等商业银行服务，企业负责人兴致不高，于是他便迅速转换思路，提到兴业银行在业内较早发力园区金 融新赛道，"如果有园区金融需求，我们可以帮忙推进"。 听闻此话，企业负责人顿时眼前一亮。原来，这家公司正值扩产增效的关键时期，但现在租赁的厂 房已经不能满足在手订单和设备更新的增产需求，企业负责人正为寻找合适的生产场 ...

Group 1: Background of Banks Focusing on Corporate Clients - The rise of industrial digitalization presents opportunities for banks to overcome challenges in traditional supply chain finance, enabling better access to real-time and reliable data [1] - The integration of big data, AI, and IoT technologies allows banks to identify potential risks and monitor new types of collateral in real-time, facilitating a shift towards a more intelligent supply chain finance model [1] Group 2: Promoting High-Quality Development of Inclusive Finance - Despite efforts to advance inclusive finance, banks face challenges in serving the diverse needs of small and micro enterprises, leading to incomplete and uneven service [2] - By leveraging financial technology, banks can better understand enterprise operations and provide comprehensive "financial + non-financial" services, enhancing customer satisfaction and loyalty [2] Group 3: Implementing the Five Key Financial Areas - The central financial work conference outlines five key areas for banks: technology finance, green finance, inclusive finance, pension finance, and digital finance, guiding future development [3] - Engaging in corporate scene finance can help banks address challenges such as talent shortages and information asymmetry, enabling them to provide tailored financial products and services [3] Group 4: Development Strategies for Corporate Scene Finance - Banks need to carefully select corporate finance scenes based on their resources and strategic goals, integrating these into their overall development plans [4] - Establishing industry selection principles and internal organizational structures is crucial for the sustainable development of scene finance [4] Group 5: Intelligent Transformation of Supply Chain Finance - Banks are adopting advanced technologies like big data, AI, and IoT to upgrade supply chain finance, enhancing data integration and creating intelligent systems [5] - The goal is to develop automated business models that can be applied in specific scenes, thereby deepening the supply chain finance landscape [5] Group 6: Empowering Merchant Operations - Banks are providing differentiated operational tools such as IaaS, PaaS, and SaaS to support the digital transformation of merchants and small enterprises [6] - By exploring new technologies like IoT and blockchain, banks aim to offer comprehensive solutions that reduce costs and improve operational efficiency [6] Group 7: Comprehensive "Financial + Non-Financial" Service Orientation - Banks are increasingly offering integrated "financial + non-financial" services to meet diverse customer needs, leveraging high-frequency non-financial scenarios to drive financial engagement [7] - Collaborations with various industries help create unique service offerings, enhancing customer experience and satisfaction [7][8] Group 8: Innovative Practices in Corporate Scene Finance - The digital supply chain finance sector is undergoing transformation, with banks like Ping An leveraging IoT and satellite technology to create a new supply chain finance model [9] - This model addresses financing challenges for small and micro enterprises by reducing reliance on core enterprise credit [9] Group 9: Innovations in Smart Agriculture - In the context of rural revitalization, banks are focusing on the livestock industry, utilizing IoT and AI to create innovative financial models that address the lack of traditional collateral [10] - New products like "Smart Livestock Loans" and advanced risk control technologies are being developed to support this sector [10] Group 10: Innovations in Smart Canteens - Banks are innovating in the smart canteen sector to enhance customer engagement and operational efficiency, employing technologies like facial recognition and AI for seamless service [11] - Collaborations with companies like Meituan are aimed at improving dining experiences while driving financial demand [11] Group 11: Innovations in Smart Parks - Smart parks are becoming a focal point for banks, leveraging technologies like big data and cloud computing to provide diverse services and enhance user experience [12] - The development of a smart park management system allows banks to analyze data and improve operational efficiency [12]

Core Viewpoint - The private economy is becoming a key player in green development under the "dual carbon" goals, with innovative financial products like "carbon footprint-linked loans" facilitating the green transformation of enterprises [1][5]. Group 1: Financial Innovation - The "carbon footprint-linked loan" is designed to tie financing costs directly to the company's emission reduction achievements, allowing for lower interest rates as carbon footprints decrease [2]. - This innovative financing approach addresses the dual challenges of high transformation pressure and financing costs faced by private enterprises in the chemical industry [2]. Group 2: Environmental and Financial Benefits - The product effectively converts environmental benefits into financial gains, making carbon reduction tangible and financially rewarding for companies [3]. - It not only reduces financing costs for green transformation but also provides strong internal motivation for continuous investment in emission reduction technologies and production optimization [3]. Group 3: Broader Impact on Private Enterprises - The implementation of this loan product is a vivid example of how financial institutions can support the green transformation of private enterprises, with nearly 200 million yuan in loans issued to multiple companies [5]. - The initiative aims to help every private enterprise find the optimal balance between economic and environmental benefits, marking a shift from passive carbon reduction to proactive transformation [5].

5月7日，国家金融监督管理总局局长李云泽在国新办新闻发布会上表示："支持符合条件的全国性 商业银行设立金融资产投资公司（AIC），近日即将陆续批复。今天我们就会批复一家，推动加大对科 创企业的投资力度。" 当日，国家金融监督管理总局发布《关于筹建兴银金融资产投资有限公司的批复》，同意兴业银行 筹建兴银金融资产投资有限公司（名称暂定）。 国家金融监督管理总局进一步表示，该行应严格按照有关法律法规要求办理筹建事宜，自批复之日 起6个月内完成筹建工作。筹建工作接受国家金融监督管理总局的监督指导。筹建期间不得从事金融业 务活动。筹建工作完成后，应按照有关规定和程序向国家金融监督管理总局提出开业申请。 今年3月5日，国家金融监督管理总局发布《关于进一步扩大金融资产投资公司股权投资试点的通 知》，支持符合条件的商业银行发起设立AIC。 此次兴业银行筹建AIC获批，意味着全国性股份制银行正式加入AIC阵容。目前全国共有五家 AIC，均成立于2017年，且均为5家国有大行旗下全资子公司，分别为工银金融资产投资有限公司、农 银金融资产投资有限公司、中银金融资产投资有限公司、建信金融资产投资有限公司、交银金融资产投 资有限公司。 ...