深耕实体 筑基畅链 恒丰银行以立体金融赋能高质量发展

Core Insights - The article emphasizes the importance of constructing a comprehensive financial service network that connects various economic sectors, ensuring that financial resources effectively reach and support both large-scale industries and small enterprises [1] Group 1: Financial Connectivity - In the Yimeng old district, a railway branch and modern coal storage built by Linyi Heng New Energy Group were crucial for connecting heating services and reducing logistics costs, but faced funding challenges due to high initial investments [2] - Hengfeng Bank's Linyi branch identified this funding gap and quickly mobilized a response mechanism, approving an 860 million yuan "public-rail logistics loan" to support the project, which has since improved the logistics economy in the region [2] Group 2: Credit Innovation - Steel structure enterprises in Jiaozhou, with a combined output value exceeding 30 billion yuan, struggled with traditional financing methods that relied heavily on collateral [3] - Hengfeng Bank's Jiaozhou branch innovated by using "data credit" instead of "brick credit," creating a new assessment model based on real operational data, resulting in a total credit approval of 585 million yuan for the steel structure industry [3] Group 3: Industry Chain Support - A surge in overseas orders led to a funding gap for an aluminum template manufacturing company in Weifang, which was addressed by Hengfeng Bank's Weifang branch through a "network prepayment loan" linked to the credit of core enterprises [4] - The efficient processing of a 10 million yuan loan within a short timeframe exemplified the bank's commitment to supporting the entire industry chain, enhancing the vitality of small and micro enterprises [4] Group 4: Future Outlook - Hengfeng Bank aims to continue its focus on providing intelligent financial solutions and agile service responses to empower high-quality development in the region, aligning its services with the pulse of economic growth [4]