Core Insights - Dalian Xusheng Aquatic Products Co., Ltd. is actively involved in the sea cucumber farming industry, receiving financial support from Postal Savings Bank of China to stabilize operations amid declining prices [1][2] - The total industrial output value of Dalian's sea cucumber industry exceeds 30 billion yuan, indicating a strong market demand for financing [1][2] - Postal Savings Bank has developed a comprehensive financial service system that connects core enterprises with farmers, enhancing support for the sea cucumber industry [1][2][3] Financial Innovations - Postal Savings Bank has introduced differentiated financial solutions, including credit and agricultural guarantee loans for farmers recommended by core enterprises, and credit or pledge loans for downstream processing and sales [2][3] - A financial support service station for sea cucumber farmers was established in collaboration with Xusheng Aquatic Products during the Dalian Sea Cucumber Harvest Festival, further extending financial services to the grassroots level [2] - The bank has launched a salted sea cucumber pledge loan product, allowing for a more flexible financing approach that addresses the unique challenges of the sea cucumber industry [3] Market Challenges - The sea cucumber industry faces significant funding gaps due to the long cultivation period and high costs associated with seedling production, as well as the mismatch between harvesting and sales periods [2] - Traditional real estate mortgage financing methods are inadequate for meeting the specific needs of sea cucumber industry clients [2][3] Product Diversity - Postal Savings Bank offers a variety of financial products, including "Express Loans" for small-scale farmers to meet their funding needs for purchasing seedlings, ensuring that all types of farmers receive appropriate financial services [3]

转自：推广 近日，合肥市科技局向安徽兴泰担保发来表扬信，高度肯定其协同创新推出的"科技星火贷""科技团队 贷"等政府引导型科技金融产品，有效破解了科技型企业"融资难、融资贵"问题。 近年来，从普惠金融的 "毛细血管" 到科创赋能的 "创新动脉"，从债券市场的 "信用桥梁" 到保函业务的 "隐形盾牌"，安徽兴泰担保构建起"普惠+科技+债券+保函"全链条金融服务体系，成为民营企业成长路 上的坚实后盾。 普惠担保：精准滴灌小微企业的"金融血脉" 合肥市肥西县的一家食品机械生产企业，多年来深耕食品机械自主研发，是拥有近百项发明与实用新型 专利证书的安徽省专精特新中小企业，凭借稳定的质量成为盼盼、达利园等国内知名食品企业的长期供 应商，其产品更是远销印度、南美。2024年底，当企业负责人握着来自英国的3000万元订单合同 时，"心情却是喜忧参半"——喜的是欧洲市场的大门悄然开启，忧的是3000万元订单背后的原材料垫资 压力犹如巨石压肩。 就在企业资金链即将吃紧的关键节点，安徽兴泰担保的客户经理带着"专利贷" 方案走进了厂区。"我们 看中的不仅是这些专利证书，更是你们深耕行业的匠心。" 客户经理的话让企业负责人吃下了"定 ...