银行开年信贷“加速跑”

Group 1 - Agricultural Bank of China plans to focus on serving national strategic needs by prioritizing high-quality credit allocation, targeting a total of over 60 billion yuan in new loans for 2026, with an emphasis on the "Five Major Articles" related to financial supply [1] - Zhejiang-based banks are increasing their loan offerings in green finance, technology innovation, manufacturing, agriculture, and private enterprises to support structural indicators related to the "Five Major Articles" [1] - The People's Bank of China aims to enhance the financial policy framework of the "Five Major Articles" and improve the evaluation system for financial services, emphasizing specialized and refined financial service levels [1] Group 2 - Banks are innovating mechanisms to accelerate fund disbursement, with Ningbo Bank implementing a green approval channel for technology innovation, achieving loan disbursement in just three working days at a reduced interest rate of 2.3% [2] - A shift in banking strategy is observed, moving away from traditional interest rate competition to a focus on comprehensive services and long-term client relationships, as exemplified by a small agricultural machinery manufacturer choosing a bank based on service rather than the lowest interest rate [3] - The trend of integrating various financial services, such as credit, investment banking, and cash management, is becoming prevalent among banks, aiming to provide a holistic "financing + intelligence" service to support enterprises in accessing capital markets [3]