坚定深化"四贷联动"服务模式 工行苏州分行坚持"金融为民"，以满足小微企业需求为服务宗旨，做好首贷、信用贷、无还本续贷、转 贷"四贷联动"，深化支付结算、经营流水、知识产权等大数据应用，完善行内信用评价模型，构建大数 据模型科学测算授信额度，推动风险控制前移，为广大小微企业提供预授信。创新推出挖机e贷、国网 电力贷、太仓农贸贷、科创企业贷等产品，降低小微企业融资对抵押担保的过度依赖，显著扩大服务覆 盖面。今年以来，该行服务小微企业首贷户近1500户，较上年同期多增350余户。信用贷款发放金额和 户数显著增长，截至2025年11月末，该行小微企业信用贷款余额超350亿元，较年初增长超100亿元，增 幅达40%。 坚定秉持"政策+服务"双轮驱动 转自：新华财经 近年来，苏州市延续"工业立市"传统，着力打造1030现代产业体系，通过智转数改网联和绿色发展，推 动制造业向高端化、智能化、绿色化转型，赋能新质生产力发展。 在此进程中，工商银行苏州分行始终秉持金融服务实体经济的宗旨，以金融为笔墨，提升服务能力，做 到"五个坚定"，重点加大民营企业、制造业等领域信贷支持，当好服务实体经济主力军，为民营企业稳 健发展注入信心 ...

Core Insights - The article highlights the challenges faced by private enterprises, particularly small and medium-sized enterprises (SMEs), in securing financing, while also showcasing the innovative measures taken by Suzhou to enhance financial support for these businesses [1][2][3]. Group 1: Financing Challenges and Solutions - Suzhou has established a comprehensive financing support system for SMEs, addressing issues such as rising raw material costs and accounts receivable, as well as the concentration of bank loans maturing [1]. - The "Four Loan Linkage" mechanism has been implemented to provide a coordinated approach to financing, which includes first loans, credit loans, no-repayment renewal loans, and transfer loans, covering all 770,000 SMEs in the city [1][2]. - By April 2023, Suzhou had issued nearly 400 billion yuan in loans under this mechanism, with a 48 basis point reduction in loan interest rates [1]. Group 2: Government and Bank Collaboration - The establishment of a city and county-level financing coordination mechanism has facilitated the connection between over 1,400 enterprises and financial institutions, resulting in more than 100 billion yuan in loans issued [2][3]. - A specialized team of over 5,000 has been organized to conduct extensive outreach to SMEs, ensuring that their financial service needs are met [3]. - The government has initiated various measures to enhance the loan risk-sharing compensation mechanism and expand the scope of no-repayment renewal loans [3]. Group 3: Innovative Financial Products - Financial institutions in Suzhou are developing tailored financial products to meet the specific needs of SMEs, such as the "Future Value" credit assessment used by Shanghai Pudong Development Bank [4][5]. - The city has seen significant growth in first loans, with 3,792 enterprises receiving a total of 14.8 billion yuan, and credit loans reaching 1,053 billion yuan, accounting for 26.4% of total loans issued [5]. - The transfer loan service has also gained traction, with 392 transactions amounting to over 2.2 billion yuan completed within two months of the policy's introduction [6]. Group 4: Digital Transformation and Data Utilization - Suzhou is leveraging digital technology to enhance service quality, utilizing extensive credit data to create a comprehensive profile of enterprises, which aids in providing precise financial support [7][8]. - The city has implemented a "Payment Loan" platform that uses transaction data to alleviate information asymmetry between banks and enterprises [7][8]. - Future initiatives will focus on further advancing the "Four Loan Linkage" mechanism to create a more efficient and cost-effective financing ecosystem for private enterprises [8].