转自：新华财经 此次1000万元专项贷款的快速落地，是兴业银行济南分行辖属临沂分行积极履行社会责任、助力民营经 济高质量发展的具体行动。该分行相关负责人表示，将持续深化政银协同机制，聚焦纺织等区域特色产 业产业链条，不断优化金融产品体系与服务模式，让金融活水精准浸润实体经济，为区域产业升级与民 营经济提质增效保驾护航。（刘广永） 编辑：赵鼎 兴业银行济南分行主动聚焦民营经济发展核心需求，找准辖内某重点民营纺织企业生产经营痛点，近日 成功为其发放1000万元专项贷款，专款用于高档棉纱原材料采购，为企业优化产品结构注入强劲金融动 力。 作为区域产业链金融服务的践行者，兴业银行济南分行将当地支柱行业民营企业纳入重点服务清单。该 行在前期调研中了解到，该纺织企业作为当地纺织行业骨干企业，拥有多条现代化纺纱生产线，产品远 销江浙沪等纺织产业集群地区及海外市场。近期因下游订单激增，企业亟需资金补充原材料库存，资金 周转面临压力。针对企业实际需求，该行迅速组建专项服务团队，开辟绿色服务通道，简化审批流程， 打破传统思维，结合纺织行业生产周期短、资金周转快的特性，以企业经营流水、订单合同为核心授信 依据，"一企一策"定制差异 ...

Core Insights - The article highlights the proactive measures taken by Industrial Bank's Jinan branch to support the development of private enterprises in the textile industry by providing a 10 million yuan loan for high-end cotton yarn raw material procurement [1][2] Group 1: Financial Support Initiatives - Industrial Bank's Jinan branch issued a 10 million yuan loan specifically aimed at addressing the operational challenges faced by a key private textile enterprise [1] - The loan is intended to optimize the product structure of the enterprise, which is a backbone of the local textile industry and has modern spinning production lines [1] - The bank's rapid response included forming a specialized service team and simplifying the loan approval process to meet the urgent funding needs of the enterprise due to increased downstream orders [1] Group 2: Commitment to Economic Development - The swift disbursement of the 10 million yuan loan reflects Industrial Bank's commitment to social responsibility and the high-quality development of the private economy [2] - The bank plans to deepen the collaboration between government and financial institutions, focusing on regional characteristic industries like textiles, to enhance financial product offerings and service models [2] - The goal is to ensure that financial resources effectively support the upgrading of regional industries and improve the quality and efficiency of the private economy [2]

Group 1 - The financial system in Huaihua City, Hunan Province, is promoting deep integration of finance and industry, exemplified by various successful cases such as a 20 million yuan technology transformation loan for recycling waste batteries and a new financing path combining equity and debt for the local building materials industry [1] - As of April 2025, the loan balance for the private economy in Huaihua reached 59.59 billion yuan, a year-on-year increase of 8.5%, with loans to private enterprises at 29.55 billion yuan, up 12.8%, benefiting over 5,000 companies and covering sectors like manufacturing and new energy [1] Group 2 - The People's Bank of China Huaihua Branch has introduced a special action plan to support the high-quality development of the private economy, focusing on expanding financial supply, enhancing service capabilities, and broadening financing channels for private enterprises [3] - From January to April 2025, financial institutions in Huaihua issued loans totaling 9.76 billion yuan to ten key industries, with a weighted average interest rate 1.1 percentage points lower than the overall rate for enterprises [3] Group 3 - The bank has strengthened policy promotion and interpretation, conducting various activities to address financing difficulties for private enterprises, including the publication of a financial service manual that compiles over 30 policies and 20 financial products [4] - Since 2025, over 20 policy promotion events have been held, benefiting more than 30,000 market entities and distributing over 7,000 financial service manuals [4] Group 4 - Financial institutions in Huaihua are leveraging technology to address the financing challenges faced by private enterprises, introducing innovative products like "Technology Loans" and "Knowledge Property Pledge Financing" to meet the specific needs of technology-driven companies [5][6] - The use of data from national and provincial credit information platforms has enabled banks to develop products like "Flow Loans" and "Capital Flow Loans," enhancing the financing service model [6] Group 5 - The People's Bank of China Huaihua Branch has implemented initiatives to improve financial service quality for private enterprises, including a "White List" system to identify key enterprises and their financing needs, resulting in significant engagement with banks [7] - Since 2025, over 3,000 enterprises have been identified on the "White List," with financing needs exceeding 4 billion yuan, and banks have conducted over 200 visits to industrial parks and major projects [7] Group 6 - The bank is promoting transparency in loan costs by guiding banks and enterprises to fill out a comprehensive financing cost checklist, which has led to a decrease in financing costs for small and micro enterprises [8] - From January to April 2025, the interest rate for inclusive loans to small and micro enterprises in Huaihua decreased by 0.73 percentage points, resulting in over 90 million yuan in savings for enterprises [8]