中国邮政储蓄银行湖北省分行 信用生“金” 金融活水精准滴灌千企万户

Core Viewpoint - The 20th Central Committee's Fourth Plenary Session emphasizes the importance of optimizing financing structures and enhancing financial services to the real economy, focusing on credit as a key resource allocation tool [1] Group 1: Financial Innovations in Hubei - Hubei Province has introduced three policy tools: "Knowledge Value Credit Loan for Technology Enterprises," "Commercial Value Credit Loan for SMEs," and "Credit Loans for Farmers' Personal and Rural Asset Value," aimed at directing financial resources to market entities lacking collateral but possessing genuine credit value [3][4] - Postal Savings Bank of China Hubei Branch has actively implemented these credit loan tools, resulting in nearly 130,000 loans amounting to over 45.4 billion yuan by the end of November 2025, significantly supporting the development of the local economy [3][4] Group 2: Impact on Agriculture - The "Credit Loan for Farmers' Personal and Rural Asset Value" has effectively addressed challenges in agricultural credit, allowing farmers to access loans without traditional collateral, thus revitalizing rural economies [4][5] - In Jia Yu County, the Postal Savings Bank has issued over 110 loans totaling nearly 30 million yuan to local farmers, enhancing agricultural productivity and supporting a vegetable industry with an annual output value exceeding 1 billion yuan [4] Group 3: Support for SMEs - The "Commercial Value Credit Loan for SMEs" aims to unlock the potential of intangible assets such as customer base and market reputation, which are often overlooked in traditional financing [6][7] - The Postal Savings Bank has issued nearly 1,100 commercial value credit loans amounting to 2 billion yuan since the program's launch, enabling SMEs to convert their commercial reputation into operational capital [6][7] Group 4: Financing for Technology Enterprises - The "Knowledge Value Credit Loan for Technology Enterprises" is designed to facilitate the conversion of technological assets into financial resources, addressing the unique needs of innovation-driven companies [8][9] - In 2023, the Postal Savings Bank provided knowledge value credit loans to 1,773 technology enterprises, totaling nearly 9.4 billion yuan, significantly promoting the transformation of technology into capital [9][10] Group 5: Future Outlook - The Postal Savings Bank of China Hubei Branch is committed to continuing its role as a key player in the financial supply-side structural reform, integrating provincial policies into practical financial services that support high-quality economic development in Hubei [10]