作为济宁制造业重点发展的产业，绿色建材产业在邹城市已形成相当规模。由于地方财政资金相对紧 张，市政工程、保障房建设、雨污分流等重大项目的工程款回款周期显著拉长，使得处于产业链上游的 绿色建材企业面临着前所未有的资金压力。 邹城市持续推进城市更新行动，近年来累计改造64.4公里合流制管网的雨污分流工程，涉及太平路、青 年路、迎宾路等28条道路，总投资规模达数十亿元。这些民生工程的顺利推进，高度依赖于上游建材供 应商的稳定供货和施工保障。兴业银行济宁分行深刻认识到，保障绿色建材产业链的资金畅通，不仅关 乎企业生存发展，更直接关系到城市建设和民生改善。 创新产品体系，深化多元服务 面对绿色建材企业的融资困境，兴业银行济宁分行充分发挥"商行+投行"双重优势，构建了一套多层 次、广覆盖的供应链金融产品体系，精准对接不同类型企业的差异化需求。 "e票贷"产品依托大数据风控模型，实现全流程线上化操作，企业无需提供财务报表，通过手机银行即 可完成申请、签约、提款、还款全过程，最高1000万元的授信额度和100%的质押率，有效破解了中小 建筑企业融资难、融资慢的困局。 齐鲁晚报·齐鲁壹点 张夫稳 通讯员 王衍浩 由济宁市委社会 ...

Core Viewpoint - The article discusses the financing difficulties faced by small and medium-sized medical enterprises and presents four practical supply chain financing models as solutions to alleviate these challenges [1]. Group 1: Inventory Financing - Inventory financing allows medical companies to convert their stock into liquid funds, particularly beneficial for consumables and pharmaceuticals [3]. - The front-end procurement model enables companies to purchase goods with the help of financing partners, requiring only a 20% deposit while the rest is covered by the financier [3]. - The dynamic pledge model allows companies to pledge their inventory to obtain approximately 70% of its value in loans, providing flexibility in sales during peak seasons [5]. Group 2: Accounts Receivable Financing - The accounts receivable financing model addresses the slow cash flow due to hospital payment terms, allowing suppliers to transfer their receivables to a financing platform for immediate cash [7]. - This model can significantly speed up the funding process, with some transactions completed in as little as one hour, improving efficiency by 90% compared to traditional methods [9]. - The model emphasizes the importance of assessing the payment capabilities of hospitals to ensure the reliability of the financing [9]. Group 3: Joint Venture Profit Sharing - The joint venture profit-sharing model involves shared risk and profit between the financing partner and the medical enterprise, with the financier covering 80% of the costs [11]. - This model requires close collaboration and transparency between the parties, ensuring that funds are used appropriately and that profit-sharing agreements are clear [13]. - It is particularly suitable for projects with high profits but long payment terms, such as medical equipment procurement [11][13]. Group 4: Future Outlook - The article concludes that traditional credit methods are not the only option for medical enterprises, and supply chain financing offers adaptable solutions [15]. - With advancements in financial technology, these financing models are expected to become more accessible, enabling companies to manage their operations effectively and overcome funding challenges [15].

Core Viewpoint - The traditional manufacturing industry, particularly the textile and apparel sector in Suzhou, is undergoing a transformation towards modernization, supported by financial services from Agricultural Bank of Suzhou, enhancing the entire supply chain's efficiency and competitiveness [1][2]. Group 1: Industry Transformation - The textile and apparel industry in Suzhou has evolved from its historical roots in silk weaving to become a significant player in modern industrialization, impacting everyday life [1]. - The integration of smart technologies in production processes, such as automated sewing systems and intelligent supply chain solutions, is crucial for the industry's digital transformation [1][2]. - During the "Double Eleven" shopping festival, Bosideng achieved over 100 million yuan in sales, showcasing the effectiveness of data and AI in driving digital transformation [1]. Group 2: Financial Support and Innovation - Agricultural Bank of Suzhou has provided nearly 8 billion yuan in group credit to support the transformation of companies like Bosideng, addressing funding challenges faced by suppliers [2]. - The bank's "Yin Piao e-Rong" product offers online financing solutions for upstream suppliers, ensuring quick access to funds and improving raw material supply efficiency [2]. - A tailored "Bosideng Industry Chain e-Loan" has reached a balance of 563 million yuan, demonstrating the bank's commitment to supporting downstream distributors with innovative financial services [2]. Group 3: Local Industry Development - The wool sweater market in Wujiang District has seen a resurgence, with local businesses adapting to consumer demands for high-quality, stylish winter apparel [3]. - Local textile enterprises have shifted from homogeneous competition to focusing on product quality and design, enhancing their market competitiveness [3][4]. - Agricultural Bank of Suzhou has implemented various financial products to support small and micro enterprises, facilitating their growth and contributing to the local economy [4]. Group 4: Future Prospects - The textile and apparel industry in Suzhou is expected to continue thriving under the guidance of Agricultural Bank of Suzhou, enhancing domestic demand and solidifying the foundation of the real economy [5].

为降低成本、实现产能和效能最大化，归一鲜食品于2024年启动"归一领鲜食客综合产业园项目"，从代 加工及直接销售原奶模式转型升级为自身加工生产销售模式。尽管入选省级绿色低碳高质量发展重点项 目，该项目在建设期仍面临融资瓶颈。 资金流信息平台为评估此类企业拓宽了视野。经企业授权，当地金融机构通过资金流信息平台调取分析 了企业资金往来、与上下游客户交易记录等数据，勾勒出一幅比固定资产更生动的"经营画像"，成功 为"归一领鲜食客综合产业园项目"发放信用贷款2000万元，推动建成集"绿色养殖+清洁加工+循环利 用"于一体的农业示范基地，预计年减碳1200吨、年增加销售额1.3亿元。目前，菏泽运用中小微企业资 金流信息成功为企业新增授信64.1亿元，发放贷款42.8亿元。 作为菏泽城建工程发展集团有限公司的上游供应商，菏泽祺宇门窗有限公司（以下简称"祺宇门窗"）主 要承接门窗安装项目，伴随着订单增长，企业流动资金周转压力也随之而来。 13项专利权转化为融资的"金钥匙"，近日，位于山东菏泽市的天宝牡丹生物科技有限公司（以下简 称"天宝牡丹"）融资难题迎刃而解。当地金融机构为该企业定制知识产权质押融资方案，从质押到放 款， ...

2022年12月9日，德州天衢新区正式揭牌成立。如今，走过了整整三年的时间，作为省委、省政府擘画的四大省级新区之一，正值德州打造对接京津冀桥 头堡、引领中心城区东移、建设新增长极的重大机遇。 三年来，德州天衢新区先行先试、敢闯敢试，改革步履不停，一个个项目向前奔跑，一座座厂房拔地而起，一个个产业飞跃而升，势头强劲，生机蓬勃， 成为这里新的注脚。 产业集聚：新质生产力撑起发展脊梁 集成电路产业从"一粒芯"到"百亿链"的突破，是新区产业变革的生动诠释。如今这里已集聚多家半导体企业，形成从衬底外延到终端应用的完整产业链， 2025年1—9月新一代信息技术产业营收达107.1亿元，同比增长31.69%。有研集团7个项目落地投产，威讯半导体二期扩产打造百亿级封装基地，先导科技 激光雷达项目3个月实现"签约即开工"，刷新产业（300832）落地速度。 "供应链+园区"模式更让产业集群效应凸显。AI智能安防产业园半年引来7家上下游企业，沃良智能"2月入驻4月投产"，凭借园区供应链金融支持，7个月 销售额突破1400万元，实现"上下楼就是上下游"的集聚优势。食品制造、高端装备等六大主导产业齐头并进，2025年一季度32.2亿 ...

围绕安徽"6178"现代化产业体系建设，主动对接合肥国家综合试验区、大科学装置等重大科技任务，在 科研成果转化、产业链协同等方面提供全方位金融支持。创新科技金融服务模式，完善"科创金融事业 部+科技金融服务中心+科技专营支行+科技特色网点"专业化服务组织体系，一产一策构建专业评价模 型，对企业开展融资能力、经营能力、科创能力、股东能力等多维度评估，研发"科技e贷"等专属信贷 产品，实现企业全生命周期金融赋能。截至今年11月末，农行安徽分行科技贷款余额722亿元，较去年 末增长193亿元。 链式服务，打造产业金融新业态 2025年，中国农业银行安徽省分行(简称"农行安徽分行")坚守"服务乡村振兴领军银行、服务实体经济主 力银行"两大定位，锚定安徽"三地一区"发展目标，以金融活水持续赋能现代化产业体系建设，为安徽 实体经济高质量发展注入强劲金融动能。截至今年11月末，农行安徽分行各项贷款余额9974亿元，较去 年末增长710亿元。 农行安徽分行以供应链金融为引擎，聚焦"稳链、补链、强链"，制定实施"徽聚合力·惠万企"行动计 划，打造链式金融服务新业态，着力提升金融服务产业链上下游企业的质效。截至今年11月末，农行 ...

Core Viewpoint - Longfeng Group is seeking to become the first "cosmetic retail stock" in Hong Kong by submitting an IPO application, but faces challenges due to its reliance on physical stores, tight financial conditions, and concentrated family governance structure [1]. Group 1: Business Model and Growth - Longfeng Group operates 29 physical retail stores in Hong Kong as of June 30, 2025, with 97.2% of its revenue coming from these stores, while online sales contribute only 1.7% [2]. - The company's revenue grew from HKD 1.094 billion to HKD 2.460 billion from FY2023 to FY2025, with a compound annual growth rate (CAGR) of 50% [3]. - The number of stores increased from 16 in FY2023 to 29 in FY2025, but same-store sales growth dropped from 64% in FY2024 to 5.6% in FY2025, indicating a negative impact on existing stores from new openings [3]. Group 2: Financial Performance - The gross profit margin improved from 24.9% in FY2023 to 31.9% in Q1 FY2026, driven by an increase in high-margin beauty product sales, which rose from 28.0% of revenue in FY2023 to 33.3% in FY2025 [3]. - Despite a high gross margin, the net profit margin decreased from 7.2% in FY2024 to 6.9% in FY2025, which is below the industry leader Watsons' margin of 8%-10% [3]. - As of June 30, 2025, the company had a net current liability of HKD 331.6 million and short-term borrowings of HKD 625 million, with cash and cash equivalents at only HKD 33.6 million, indicating a significant debt repayment gap [3]. Group 3: Governance and Market Position - Longfeng Group is a family-controlled business, with 100% ownership by the founder's family, raising concerns about transparency and fairness in related party transactions [5]. - The company paid HKD 13.65 million in rent for five stores leased from the controlling shareholder, which accounted for 9.8% of total rental expenses, but lacks detailed third-party valuation disclosures [5]. - As a business heavily reliant on the Hong Kong market, which accounts for over 97% of its revenue, Longfeng Group's performance is closely tied to local economic cycles, consumer confidence, and tourist traffic [5].

金融不仅是经济发展的"晴雨表"，更是推动产业结构升级、保障民生福祉的关键"催化剂"与"稳定器"。 建设银行中山市分行(以下简称"建行中山分行")秉持国有大行的责任担当，以金融为笔，深入开展民生 实践，绘就金融与城市交融共进的高质量发展新图景。 破解治理难题 人口老龄化浪潮下，如何让老年人安享晚年，是社会也是金融必须回答的课题。金融作为服务民生的关 键力量，其价值正体现在对百姓最现实、最迫切需求的回应之中。 中山HJYY有限公司(以下简称"HJYY")是中山医药供应链中的重要一环，承担着为众多养老机构、社区 及家庭配送老年常用药品的关键职责。然而，药品采购需占用大量流动资金，这让企业在保障稳定供应 时时常感到压力。 对此，建行中山分行展现了服务精准与创新并重的"巧实力"。分行并未止步于传统信贷支持，而是依托 其成熟的"核心企业+上下游"供应链金融服务体系，精准施策。基于HJYY的上游核心药企——XST制药 的强健信用，建行中山分行为HJYY提供了便捷高效的供应链融资。这一模式省去了复杂的抵押担保流 程，通过线上化操作迅速将金融养料注入产业链的毛细血管。 为"制造业当家"注入绿色动能 在珠三角制造业版图上，中山以 ...

■郝飞 筑牢跨境金融服务根基是首要任务。农业国际合作涵盖农产品跨境贸易、跨国农业投资、技术合作等多 元场景，资金流动具有周期长、跨境性等特点，对金融服务的全链条覆盖能力提出了更高要求。银行需 打破传统服务边界，构建"贸易+投资+结算+增值"的一体化跨境金融服务体系。 （文章来源：证券日报） 在贸易融资领域，针对农产品出口企业订单周期长、资金占用多的痛点，优化信用证开立、单据议付等 流程，推广订单融资、仓单质押、保理等特色产品，实现"发货即融资、回款即还贷"的高效衔接，缓解 企业资金周转压力。在跨境结算方面，大力推广跨境人民币结算，降低企业汇率兑换成本和结算风险， 助力农业企业在国际贸易中提升结算效率、规避汇率波动影响。针对跨国农业园区建设、海外种植养殖 基地开发等大额资金需求，银行可以联合相关机构提供长期、稳定的低成本资金支持，畅通农业国际合 作的资金循环通道。 深化政策协同是关键支撑。银行需主动对接各级政府部门，依托农业国际合作园区、重点口岸等平台， 落实专项金融支持政策；参与农业对外合作政策落地，共享企业资质、项目审批等信息，提升服务精准 度，形成政策与金融的合力。 坚持创新赋能是源泉活力。银行要以金融创 ...

卅年砥砺，风云激荡。从扎根一隅、服务地方的"金融毛细血管"，到与国同梦、与城共进的"经济重要 支柱"，中国城市商业银行用三十载时光，完成了一场波澜壮阔的跨越与重塑。在此背景下，金融界重 磅推出"城商行三十年：跨越与重构"系列策划，系统梳理城商行蜕变为区域金融支柱的历程，剖析行业 挑战与未来航向。 本文聚集贵阳银行。在曾连续多年GDP增速领跑全国的贵州，贵阳银行28年的成长史，正是区域城商行 蝶变的生动样本。1997年从25家城市信用社整合起步，如今以超7000亿元资产规模稳居贵州第一大法人 金融机构，其每一步跨越都与黔贵大地的发展脉搏同频共振。 一部与区域共生的成长史诗 1997年4月，贵阳市瑞金北路上的彩旗见证了贵州金融史的重要时刻——贵阳城市合作银行正式诞生。 这家由25家城市信用社整合而成的金融机构，以2亿元注册资本开启了本土金融服务征程，跻身中国最 早成立的一批城市商业银行之列。成立之初便锚定的"服务市民、服务中小、服务地方"初心，自此贯穿 其发展全程。 从名称迭代到版图扩张，贵阳银行的成长轨迹清晰可循：1998年更名为"贵阳市商业银行"；2008年毕节 分行设立，吹响跨区域经营的号角；2010年完成 ...