当前，科技创新浪潮持续奔涌，如何引导金融活水精准浇灌科创领域，成为服务新质生产力发展的关键 着力点 。近日，广发银行携手广东省融资再担保有限公司推出 "科创贷"全线上银担合作融资服务平 台，以数字化手段为广东科技型企业提供更高效、更便捷的融资解决方案，助力破解科技型企业贷款难 题。 全流程线上管理 融资效率再提升 平台紧密对接国家及地方产业政策，创新采用动态"目标客户名单制"管理，主动衔接各级政府部门认定 的高新技术企业、专精特新"小巨人"企业等优质名单库。这一机制确保了金融服务能够自动、有效触达 重点支持的科技型企业，实现了政策导向与市场服务的有机结合，使金融资源得以定向支持至最有需要 的创新主体。 内外高效协同 构建服务生态 "科创贷"平台的实践为金融引导信贷资源持续流向科技创新前沿领域提供了借鉴经验。在平台内部，广 发银行打通了前、中、后台业务系统，实现了数据实时共享与流程自动化流转。对外，则通过标准化接 口与广东再担保等政府性融资担保机构实现系统直联，改变了以往银担双方多重审核、手工操作的模 式，实现了业务信息的实时共享衔接，运营效率显著提升的同时有效降低操作风险。 下一步，广发银行将以"科创贷"平台 ...

政银企深度协同 金融是国之大计，更是推动实体经济高质量发展的核心引擎。2025年交通银行（601328）依托对公金融 品牌"交银蕴通"，以"蕴力同行"为主题，打造"交银蕴通万里行"系列品牌活动，深入上海、贵州、河 南、湖北、河北、云南、江苏等重点区域、直达核心产业集群。通过政银企深度协作、场景化金融创新 和数字化工具落地，交行为企业融资、运营效率提升和高质量发展注入了持久动力，也为未来全国金融 服务创新提供了可复制的实践样板。 构建创新融资生态 蕴力同行 服务国之大者 近年来，国资委大力推动企业集团司库体系建设，为央国企构建世界一流财务管理体系指明方向。交行 积极以金融智慧赋能支持，目前已为近4000家央国企、超1万家企业开展各类司库合作。 经过多年服务经验沉淀，在"交银蕴通万里行"首站上海，交行正式发布"蕴通司库"品牌服务，面向央国 企及大中型企业集团，推出"1+3+N"智慧司库服务体系，即1套综合金融服务方案、3大系统服务平台和 N种产品组合。针对不同司库建设阶段、不同司库管理需求、不同行业规模的企业，交行可提供全流程 司库建设、差异化系统服务、全产品矩阵组合，助力企业实现对资金等金融资源"看得见、管得住 ...

Core Viewpoint - The article emphasizes the role of financial services in driving high-quality development of the real economy, highlighting the initiatives of the Bank of Communications (BoCom) to enhance corporate financing and operational efficiency through innovative financial solutions and deep collaboration with government and enterprises [1][11]. Group 1: Financial Services Initiatives - BoCom launched the "Yun Tong Treasury" brand service, offering a "1+3+N" smart treasury service system tailored for state-owned enterprises and large corporate groups, facilitating a comprehensive upgrade in financial resource management [2]. - The "Yun Tong Treasury Management System (Yun Kua Hang 3.0)" was introduced to enhance financial management capabilities, enabling direct connections with over 220 domestic and international banks for improved global account management and payment solutions [3]. Group 2: Collaborative Financing Ecosystem - BoCom collaborates with local governments to create a financing ecosystem that combines policy support, credit enhancement, and data empowerment, exemplified by the "Jike Points Loan" initiative in Hebei, which uses innovation points for credit assessment [5]. - The "Kechuang Cloud Guarantee Loan" was introduced in Yunnan, providing up to 10 million yuan in pure credit loans for qualified tech enterprises, thereby lowering financing barriers and supporting the expansion of tech finance [5]. Group 3: Scenario-based Financial Innovation - BoCom developed the "Electricity Network Pass" comprehensive financial service plan, addressing the financial needs of the electricity industry chain, and upgraded it to "Electricity Network Pass 2.0" to include services for new energy charging stations [7][8]. - The "Yun Dian Quick Loan" was created to assess corporate vitality based on electricity consumption patterns, offering credit support to high-quality electricity-using enterprises [8]. Group 4: Digital Tools and Efficiency Enhancement - The "Yun Tong Account Management" payment settlement solution was launched to address common pain points in corporate finance, providing flexible account and payment functionalities to enhance efficiency and security [10]. - BoCom aims to integrate financial technology into various operational aspects of enterprises, fostering a future-oriented digital financial ecosystem [10]. Group 5: Future Directions - BoCom plans to continue the "Yun Tong Wanli Xing" series of activities, focusing on resource allocation and financial integration to support regional high-quality development and modernization efforts in China [11].

Core Insights - Jingjiang Rural Commercial Bank has conducted a systematic review of its loan risk models within the credit approval system to enhance risk identification accuracy and support stable business development [1] Group 1: Risk Model Optimization - The review involved a comprehensive assessment and optimization of intelligent models, crucial for loan approvals in the digital financial service era [1] - The model recalibration is necessary due to changes in market conditions and customer behavior, ensuring ongoing precision [1] - The review covered six customer segments, including small and micro enterprises, individual businesses, and farmers, evaluating the models based on differentiation ability, stability, and accuracy [1] Group 2: Service Precision and Risk Control - The optimized models have improved service precision for different customer groups while maintaining risk control, fostering a positive interaction between risk management and business growth [1] - For retail credit business, the team has enhanced the interest rate and limit models by incorporating multi-dimensional data cross-validation, aligning income assessments more closely with actual customer situations [1] Group 3: Future Developments - The bank aims to further enhance its model lifecycle management mechanism, transitioning from periodic checks to real-time monitoring to build a more intelligent risk control system [1] - This initiative is part of the bank's commitment to deepen inclusive financial services and improve the accessibility, precision, and satisfaction of financial services [1]

Core Insights - The article highlights the customized cross-border financial services provided by China Merchants Bank's Nantong branch to the emerging e-commerce company Nantong ML Crystal Co., Ltd, facilitating its international operations and addressing challenges faced during its startup phase [1][2]. Group 1: Company Overview - Nantong ML Crystal Co., Ltd was established on February 14, 2025, with a registered capital of 50,000 RMB, focusing on the export of crystal products [2]. - The company targets the global crystal product market, utilizing overseas platforms like Douyin for its core operations [2]. Group 2: Financial Services Provided - China Merchants Bank's Nantong branch developed a comprehensive foreign exchange financial service plan tailored to the company's needs, covering aspects such as the establishment of a combined domestic and foreign currency account and guidance on cross-border e-commerce policies [2][3]. - The bank's services include a streamlined process where the company only needs to "visit the bank once, fill out one form, and automatically open the corresponding currency for incoming foreign funds," significantly reducing operational costs and improving efficiency [3]. Group 3: Operational Efficiency - The company successfully upgraded to a combined domestic and foreign currency account, allowing for RMB and USD transactions in a single account, which greatly simplified its financial management processes [3]. - The bank provided targeted business guidance and policy interpretation, ensuring compliance and efficiency in each transaction, and enabling the company to conduct online self-service foreign exchange operations [3]. Group 4: Future Prospects - The success of Nantong ML Crystal's international expansion reflects the vast market potential in the cross-border e-commerce sector and highlights the financial needs of small and micro enterprises in their globalization efforts [4]. - China Merchants Bank's Nantong branch aims to continue enhancing its services in the cross-border e-commerce sector, exploring new opportunities in the digital era to support more quality Chinese products in the global market [4].

Core Insights - Postal Savings Bank of China (PSBC) Beijing Branch has showcased its digital financial services through the HarmonyOS at the "京彩不设限·经济热力站" event [1] - The branch is the first HarmonyOS ecological bank of PSBC, collaborating with Huawei and Shenzhen Zhengtong Electronics to integrate traditional and innovative banking services [1] Group 1: Digital Financial Services - The bank utilizes the native HarmonyOS PSBC app for business appointment initiation, allowing customer managers to receive notifications via a wristband, enhancing service efficiency [1] - The integration of various terminals, including VIP customer alerts, queue calling, and ticketing, improves the convenience and intelligence of financial services [1] Group 2: Intelligent Products - The branch is equipped with multiple intelligent products, including a multilingual AI translation screen that supports eight languages, facilitating communication with foreign clients [1]

财富管理服务升级。光大手机银行13.0版本持续强化财富管理功能建设，聚焦"阳光财富"特色品牌，满 足客户多层次、高品质、多样化的财富管理需求。打造活钱管理、稳健投资、进阶投资、保险保障"人 生四笔钱"专区，助力客户实现财富旅程合理规划、有效管理；全新上线"人气榜单"，展示产品人气排 名；理财频道推出"理财定投"专区，创新"目标投、人气投、安稳投"三种定投类型；基金频道优化购买 及持仓查询全流程，支持转入他行资金购基功能，同时支持客户查询基金产品连续持仓天数；私募频道 重构产品货架，增加产品特点介绍，便于客户快速了解产品。 全新推出"借钱"主页。本次光大手机银行13.0版本全新推出的"借钱"专区，从实际生活场景出发，通过 打造专属资金需求解决方案，有效解决传统金融服务分散化、碎片化问题，降低客户使用门槛。其 中，"贷款"页提供"我要经营、我要买房、我要消费、我有增信"四个专区，形成产品矩阵，满足客户不 同生活场景下的用款需求；"信用卡"页覆盖光大银行信用卡各项功能，为客户提供信用卡查账还款、额 度调整、积分兑换、热门活动等一站式服务，助力提振消费。 养老金融服务温馨升级。光大手机银行13.0版本通过养老金融、个 ...

Core Insights - The meeting focused on enhancing the "Digital Federation of Industry and Commerce" platform to improve financial services for private enterprises, addressing the challenges of financing difficulties and delays [1][3]. Group 1: Platform Development - Six financial institutions recognized the platform as a vital link between government, banks, and enterprises, suggesting increased promotion, diversified financial products, and optimized platform functions to provide digital financial services to more businesses [3]. - The government aims to replace traditional one-on-one banking interactions with efficient "checklist-style" services through the platform, enhancing service response efficiency and ensuring that financial products reach target enterprises directly [4]. Group 2: Collaborative Efforts - There is a strong emphasis on inter-departmental and inter-bank collaboration to ensure effective policy implementation, with a focus on establishing a regular communication mechanism among the financial office, industry associations, and banks [4]. - Financial institutions are encouraged to share information and provide specialized guidance to assist enterprises in using the platform effectively, ensuring a coordinated approach to service delivery [4]. Group 3: Financial Product Optimization - Banks are urged to innovate and optimize their financial product offerings to cater to the diverse needs of enterprises at different growth stages and in various industries, ensuring that all eligible businesses can access necessary financing [4]. - The goal is to enhance the quality and efficiency of financial services, thereby supporting enterprise development and contributing to the overall economic growth of the region [5].

Core Insights - The article discusses the launch of the "Yun Tong Guan Zhang" payment and settlement service by the Bank of Communications, aimed at enhancing financial support for the real economy and facilitating enterprise transformation in Hubei province [1][3]. Group 1: Service Overview - "Yun Tong Guan Zhang" service addresses key pain points for enterprises, such as complex settlement tools, low reconciliation efficiency, and difficult fund supervision, by providing three core capabilities: smart and convenient payment and settlement, precise and efficient reconciliation, and secure and visible fund supervision [4]. - The service focuses on four major ecological scenarios: real economy, livelihood services, platform economy, and park economy, effectively responding to the customized and agile financial needs of enterprises in the new economy and new business formats [4]. Group 2: Technological Integration - The service emphasizes the integration of scenarios, customers, accounts, and funds to build a data-driven management system for enterprise financial and operational integration, supporting refined operations and strategic decision-making [4]. - The article highlights the shift of the Bank of Communications from a traditional settlement service provider to a "scene ecological enabler" that deeply engages in business scenarios and drives value creation [4]. Group 3: Collaborative Partnerships - During the event, the Bank of Communications awarded titles to 15 enterprises as "Technology Navigation Strategic Partners" and 12 enterprises as "Yun Tong Treasury Strategic Partners," indicating a new paradigm of cooperation between banks and enterprises [5]. - The article mentions that the Bank of Communications has established treasury business cooperation with 91 central enterprises and their subsidiaries, achieving a coverage rate of 91% among central enterprises [6]. Group 4: Financial Innovation - The Bank of Communications has launched a series of innovative service models and products driven by financial technology, such as the "Knowledge Value Credit Loan," which quantifies intangible assets like patents and R&D investments into credit [7]. - As of the end of August, the bank has disbursed 3.3 billion yuan to support nearly 1,000 technology enterprises in Hubei province [7].

Group 1 - Postal Savings Bank announced the absorption and merger of its wholly-owned subsidiary, Postal Savings Bank of China Huinong Bank Co., Ltd., to optimize management and business structure, integrate resources, and reduce operational costs [1] - The independent legal status of Huinong Bank will be legally canceled, and all its business, assets, debts, and other rights and obligations will be inherited by Postal Savings Bank [1] - The merger has been approved by the board of directors and awaits approval from the shareholders' meeting and the National Financial Regulatory Administration [1] Group 2 - The merger is part of Postal Savings Bank's strategy to enhance its digital transformation and financial technology investments [1] - The integration aims to leverage Huinong Bank's operational experience and resources, particularly in online business [1] - The merger is expected to inject new momentum into Postal Savings Bank's future development, effectively reduce management costs, and improve overall operational efficiency [1] Group 3 - On September 23, Postal Savings Bank's stock closed at 6.05 yuan per share, with an increase of 1.51%, and a trading volume of 929 million yuan, resulting in a total market capitalization of 706.136 billion yuan [2] - Despite a 3.04% decline in the stock over the past seven trading days, the merger announcement may shift market expectations and investor sentiment [2] - The market is likely to focus on the synergistic effects of the merger and its potential to enhance Postal Savings Bank's long-term competitiveness [2]