尝到甜头的陈景力灵光一闪：温州为"限电"发愁的企业那么多，他们肯定也需要这样的"绿色解药"！ 他毅然下定决心，告别熟悉的老本行，开启创业新起点。 【前言】坚韧不拔、奋斗创新…中国的小微企业是市场经济浪潮中最具活力的浪花。在国家"支持小微 企业融资协调工作机制"的推动下，我们开启了"浙银故事惠"，记录下一批银企携手、相互成就小微成 长的温暖故事，也讲述浙商银行践行"深耕浙江"战略，一路暖心护航实体的担当。 温州商人陈景力，现在依然有一个职业习惯，每次看到各种建筑屋顶，都会情不自禁地"计算"一番。 "限电焦虑"怎么破？他"灵光一闪" 夏天一到，工厂最怕什么？曾经从事传统制造业的温州商人陈景力深有体会——每当用电高峰来临，就 要"限电"，工厂的生产线无奈按下"暂停键"，订单交付周期拉长，哪怕生意上门，也只好咬咬牙放弃合 作。 "限电焦虑"一度是陈景力经营路上的一块"心病"。 转机发生在2022年。一家光伏企业上门，提议在工 厂闲置屋顶建分布式光伏电站。 "靠谱吗？"陈景力抱着试试看的心态同意了。 不成想，这一试效果超出预期！光伏发电直接接入工厂电网，电价比工业用电低了一大截，哪怕"限 电"工厂也能维持基础生产，再也 ...

中原银行洛阳分行在"千企万户大走访"中了解到企业需求后，立即组建业务小组开展实地调查，针对企 业实际情况，积极推荐"无还本续贷"政策，同时通过"绿色通道"简化审批流程，确保审批时效。在贷款 到期前，成功发放700万元的续贷资金。此次合作中，洛阳分行不仅提供700万元续贷支持，还主动下调 贷款利率，为企业节省融资成本超2万元。 作为省属法人银行分支机构，中原银行积极响应国家支持小微企业发展的政策号召，始终将自身发展融 入区域发展大局。下一步，该行将持续深化落实小微企业融资协调机制，加大无还本续贷政策宣导，对 符合条件的企业实行"无缝衔接"的贷款续作，切实缓解小微企业还款压力，进一步提升金融服务质效， 助力小微企业稳健发展。（娄祥） 来源：环球网 近日，中原银行洛阳分行积极响应国家支持小微企业发展的政策号召，通过"小微企业融资协调机制"创 新服务模式，成功为洛阳某科技股份有限公司发放700万元无还本续贷资金，以"无缝衔接"的金融支持 帮助企业破解融资难题，为地方科技型企业高质量发展注入强劲动能。 据了解，洛阳某科技股份有限公司集研发、制造、销售为一体，深耕金属材料制造及新材料领域。中原 银行洛阳分行自2021年起 ...

"信易贷"是泗阳农商银行为破解小微企业融资难、担保难问题创新推出的纯信用贷款产品，重点支持符 合产业转型升级方向、具备良好市场前景或社会效益的小微企业。该产品通过综合评估客户日均存款、 纳税销售额、有效净资产等多维度数据核定授信额度，最高可达500万元，具有"免抵押、审批快、额度 活"的特点，尤其适合租赁厂房、缺乏有效抵押资产但经营稳定的小微企业。 日前，泗阳农商银行成功向宿迁兴驰轴承科技有限公司发放首笔"信易贷"，有效缓解了企业流动资金压 力。 宿迁兴驰轴承科技有限公司是泗阳县李口镇乡村振兴产业园的招商引资企业，专注于轴承生产制造与精 密部件研发，产品销往美的、格力等知名企业。去年9月投产后，企业订单量持续增长，车间满负荷运 转，预计年销售额可达1500万元。然而，随着生产规模扩大，原材料采购资金压力骤增，但因企业无自 有厂房，传统融资渠道受限。泗阳农商银行李口支行在走访中了解到企业需求后，迅速对接，根据其日 均存款等情况新增150万元纯信用授信，并于第二个工作日放款到位，及时缓解了企业燃眉之急。"从申 请到放款，流程高效便捷，还免去了抵押担保的麻烦。"企业法人陈从豹表示，"除了贷款，我们的资金 结算、工资 ...

"融资难、融资贵"一直是困扰小微企业发展的难题，为缓解县域小微企业融资难、融资贵，湖南桃江农 商银行积极响应，构建三级联动融资协调机制，精准发力，全力打通小微企业融资的"任督二脉"，实现 金融活水向实体经济精准滴灌。今年以来，该行累计走访对接小微企业15391家，授信金额8312.78万 元，金融服务覆盖面提升至99.59%，以金融驱动助力小微企业发展驶入快车道。 在产品创新方面，桃江农商银行靶向发力。针对小微企业"短频急"的融资需求，推出"潇湘财银贷""小 微企业流水贷"等特色产品。"潇湘财银贷"由湖南省政府主导，突破传统抵押担保限制，以"免抵押+低 利率"的模式，为小微企业开辟融资新渠道。湖南某科技公司凭借专利技术和良好信用记录，获得500万 元"潇湘财银贷"信用贷款，成功化解研发资金短缺难题。 为进一步提升融资服务效能，桃江农商银行开辟"限时办结"绿色通道，优化业务流程，将审批时效大幅 提升40%。同时，主动让利实体经济，降低小微企业融资成本，通过资金归行等方式确定利率水平，对 周转困难企业实施延期还本付息政策。桃江某水利水电建设有限公司便在该行支持下，获得800万元信 贷资金。 下一阶段，桃江农商银行 ...

整理记录：郭怡萍 晨 会 纪 要 [2025]第 183 号 主 题：对近期重要经济金融新闻、行业事件、公司公告等进行点评 时 间：2025 年 10 月 9 日 8:50-9:30 会议形式：腾讯会议 参会人员：曹旭特 仇华 许雯 王攀 蒋栋 张德燕 轩鹏程 文正平 李杰 张智珑 郭怡萍 何超 李育文 李正威 别璐莎 邢维洁 马丽明 贺钰偲 汪炜 聂孟依 顾华昊 研究所今日晨会要点如下: 一、行业公司 1.1 银行（郭怡萍） 三季度货币政策例会召开，强调政策执行与效应释放 中国人民银行货币政策委员会召开 2025 年第三季度例会。 投资建议 货币政策强调执行落实，预计银行资产端利率压力缓解，随着存款成本下行与息差降幅 收窄，银行业绩增长有望保持相对稳健。银行股经历市场调整后，股息率已经明显回升， 高股息将吸引配置型资金流入，看好银行股绝对收益投资价值。建议关注国有大行稳健高 股息配置价值，以及经济改善预期下股份行和区域行估值修复机会，推荐中信银行、江苏 银行、成都银行、沪农商行、渝农商行、常熟银行、苏州银行等。维持行业"增持"评级。 风险提示 经济增长不及预期，信贷需求弱修复；信贷资产风险扩大；政策利率下降 ...

Group 1 - The article highlights the successful return of a young entrepreneur, Chen Wei, to his hometown to cultivate a local specialty crop, the "lotus white" cabbage, which has become a significant source of income for the community [1][2] - Chen Wei's agricultural venture has expanded from an initial 50 acres to 180 acres by 2024, with plans to further increase land under cultivation, indicating a growing recognition and demand for "Shuangping lotus white" in major markets [2][3] - The local government and financial institutions, particularly Guizhou Bank, have played a crucial role in supporting small and micro enterprises by providing financial assistance, such as a timely loan of 300,000 yuan to Chen Wei, which facilitated his operations [2][3] Group 2 - The agricultural project has created job opportunities for local villagers, with an average monthly wage of over 2,000 yuan for workers, contributing to the local economy and improving the livelihoods of families in the area [3] - The annual production value of the lotus white cabbage from Shizhuang Village has exceeded 3 million yuan, showcasing the economic impact of this agricultural initiative on the community [3]

Group 1 - The establishment of a financing coordination mechanism for small and micro enterprises in Dong'a County has achieved phased results, with a loan balance of 5.78 billion yuan for inclusive small and micro enterprises, reflecting a growth of 9.93% compared to the beginning of the year, which is 6.42 percentage points higher than the growth rate of various loans [1] - The "second visit" initiative by the Dong'a Financial Regulatory Bureau has effectively addressed the financing challenges faced by enterprises, exemplified by the case of Shandong Dong'a Jiyun Ejiao Pharmaceutical Co., which received a 5 million yuan loan after a thorough investigation of its complex network [2] - The Dong'a Financial Regulatory Bureau has implemented a closed-loop service model through "thousand enterprises and ten thousand households visits," resulting in visits to 19,946 market entities, with 4,841 enterprises receiving credit totaling 7.166 billion yuan and an average loan interest rate of 3.76%, down 0.27 percentage points from last year [3] Group 2 - In the high-end equipment manufacturing sector, Xinmiao Intelligent Equipment (Liaocheng) Co., Ltd. received a 9.9 million yuan loan within 72 hours to facilitate the purchase of essential equipment, allowing the company to start production 15 days earlier [4] - The Dong'a Financial Regulatory Bureau has focused on three key areas: technology, private enterprises, and foreign trade, facilitating loans for 3,826 private enterprises totaling 3.678 billion yuan, 79 technology-based SMEs for 1.046 billion yuan, and 28 foreign trade enterprises for 189 million yuan [5] - The Dong'a Financial Regulatory Bureau has conducted over 30 on-site visits and 14 financial policy promotion activities, resulting in 296 intentions for bank-enterprise cooperation, enhancing the financing capabilities and market competitiveness of enterprises [8]

Core Viewpoint - The article emphasizes the importance of small and micro enterprises (SMEs) in driving economic growth, stabilizing employment, and improving livelihoods, highlighting the government's efforts to address financing challenges faced by these businesses through a series of coordinated policy measures [1]. Group 1: Policy Measures - The National Financial Supervision Administration and eight other departments have implemented measures to support SME financing, aiming to create effective solutions to the persistent issue of financing difficulties [1]. - A coordination mechanism has been established to understand SME needs and facilitate direct access to credit, resulting in significant outcomes, including 23.6 trillion yuan in new credit and 17.8 trillion yuan in new loans issued by banks by mid-2023 [1]. Group 2: Practical Approaches - The article outlines a three-pronged approach to resolve the dual challenges of SMEs being unable to find financing and banks being hesitant to lend, which includes enhancing financial service processes and policy collaboration [2]. - Local governments are encouraged to adopt best practices, such as the example from Jiangxi Fuzhou, where a multi-department collaboration has created a credible "recommendation list" for banks to identify viable SMEs [2]. Group 3: Technological Integration - The integration of online and offline efforts is crucial to bridging the gap in financial services for SMEs, with a focus on streamlining application processes and utilizing intelligent risk assessment tools [3]. - Banks are leveraging technology, such as AI-driven credit assessment tools, to expedite loan approvals and enhance the efficiency of financial services for SMEs [3]. Group 4: Financial Structure Optimization - The article stresses the need for a multi-faceted policy approach to lower financing costs for SMEs, including differentiated regulatory policies and increased support for various types of loans [3]. - There is a call for improving the credit support mechanisms for SMEs with good credit ratings and expanding the range of collateral accepted for loans [3].

Group 1 - Small and micro enterprises play a crucial role in driving local economic development, despite their individual small size [1] - Long-standing issues such as high financing costs and difficulties in obtaining guarantees have hindered the growth of small and micro enterprises [3][7] - The Yongchang Financial Regulatory Bureau has actively explored diversified credit enhancement methods to facilitate financing for small and micro enterprises [7][10] Group 2 - Traditional collateral requirements have acted as barriers for many small and micro enterprises seeking loans, leading to a lack of financing options [7] - The Yongchang Financial Regulatory Bureau has guided banks to simplify approval processes, reducing waiting times for loan approvals and enabling quicker access to funds for enterprises [7][10] - Innovative measures, such as the combination of credit enhancement and interest rate reduction, have been implemented to support enterprises like the Green Heng Vegetable Cooperative, increasing their credit limit and lowering loan rates [8][10] Group 3 - The Gansu Huayu Agricultural Technology Co., Ltd. faced financial pressures due to rising costs and was able to secure additional funding through a loan extension, allowing it to maintain production stability [10] - The financial support provided to these enterprises not only addresses their immediate financing challenges but also injects significant momentum into the local economy [10][11] - The Yongchang Financial Regulatory Bureau aims to continue innovating financial service models to provide high-quality and efficient services to more small and micro enterprises [11]

Core Insights - The article highlights the transformation of traditional food production in Henan's Jia County, specifically focusing on the automated production of the local specialty, He Le Mian, by Huang Banzhang Food Co., Ltd [1][3] - The company has developed a product matrix that includes fresh, self-heating, and instant varieties, expanding its offerings to over ten specialty food products [1][4] - The financial support from Zhongyuan Bank has been crucial for the company's growth, with a recent loan of 500,000 yuan facilitating market expansion and the development of new high-quality food products [3][4] Company Overview - Huang Banzhang Food Co., Ltd was established in 2016, driven by a demand for local flavors among customers in the restaurant business [1] - The company has successfully integrated automated production lines to standardize and package traditional He Le Mian, allowing for wider distribution [1][3] - The founder, Huang Pu Jian, emphasizes the importance of financial support from banks in enabling business growth and innovation [3][4] Financial Support and Impact - Zhongyuan Bank's Jia County branch has implemented a "thousand enterprises, ten thousand households" outreach program, visiting over 10,580 small and micro enterprises since October of the previous year [4] - The bank has streamlined its loan approval process, reducing the average approval time by over 30%, and has provided over 2.5 billion yuan in loans to small and micro enterprises [4] - The efficient service provided by the bank, including on-site assistance, has been highlighted as a significant factor in supporting local businesses like Huang Banzhang Food [3][4]