定制方案破痛点 分层服务显实效 针对产业链不同主体需求差异，分行量身定制专属金融方案：面向医疗机构，创新"脱核"授信模式，基 于真实交易背景，以未来医保资金、公共卫生经费回款为还款来源，无需额外抵押担保，同步开辟绿色 审批通道，缩短投放周期，高效缓解资金占压。面向医药流通企业，推出"供应链票据贴现"服务，依托 医院签发的供应链票据，实现应收账款线上化贴现，快速盘活沉淀资金，破解采购资金周转难题，提升 产业链整体资金效率。 医疗行业作为关乎民生福祉的核心领域，兼具资金密集型与公益属性双重特征。近年来，受医保资金拨 付周期延长、公共卫生经费周转延迟等因素影响，枣庄市市、区、乡镇三级医疗机构普遍面临资金占 压、现金流紧张等难题，上游医药流通企业亦因下游回款周期拉长，遭遇应收账款盘活难、采购资金周 转受阻等困境，"医院资金紧、流通企业账难收"的双向瓶颈，严重制约了医疗产业链协同发展。 数智赋能提效能 风险防控筑屏障 立足地方金融使命，日照银行枣庄分行以"民生为本、精准赋能"为核心，深耕医疗供应链场景，创新打 造"政银企协同+数智化支撑+定制化服务"金融服务体系，精准破解产业链资金周转难题，实现民生保 障、企业发展与金 ...

Core Insights - The central financial work conference emphasizes the importance of inclusive finance to support the development of small and micro enterprises [1] - China CITIC Bank Jinan Branch has launched a supply chain inclusive finance service plan to address the financing difficulties faced by upstream small and micro enterprises in the medical supply chain [1] Group 1: Financial Services Initiatives - The bank's "Order e-loan + Credit e-chain" financing service effectively revitalizes accounts receivable for upstream enterprises, alleviating cash flow pressures for small suppliers [1] - As of September, the bank has provided 250 million yuan in funding to numerous hospital suppliers, serving over 100 enterprises [1] Group 2: Future Plans - The bank plans to continue its commitment to serving the real economy by deepening innovations in inclusive finance and expanding the supply chain financial ecosystem [2] - The bank aims to assist more small and micro enterprises in achieving high-quality development, aligning with the "Serve Ten Thousand Enterprises - Trust and Benefit Enterprises" initiative [2]