一、政策东风助力科技赋能——聚焦政策红利，打造金融创新新引擎 为深入贯彻中央金融工作会议精神，落实中国人民银行关于科技创新和技术改造再贷款的政策部署，广 发银行济南分行积极响应，依托总行"大中型客户设备采购贷"产品授权，创新推出"设备更新和技术改 造"专项金融服务。 （一）政策背景 中国人民银行联合多部门设立科技创新和技术改造再贷款，旨在支持科技型中小企业发展和大规模设备 更新。该政策通过财政贴息、FTP优惠利率等工具，降低企业融资成本，推动产业升级。该产品针对国 标为大、中型的境内企业，为满足自身生产经营或其相关事项需要，通过采购设备或工器具而产生的资 金需求，以借款人未来综合经营收益或可预见的特定收入为主要还款来源。重点支持位于重点区域符合 绿色、战略性新兴、科技金融、先进制造业等支持类行业客户，优先支持纳入《技术改造和设备更新项 目清单》内的企业。 （二）企业背景 滨州ZY食品成立于2003年10月，是我国小麦全产业链的龙头企业，曾获农业部"国家农产品加工示范企 业"、山东省"省级农业产业化重点龙头企业"等称号。企业专注主业20余年，产品覆盖国内外市场，信 用风险可控。其"年处理100万吨面粉生产线节粮 ...

Core Viewpoint - The company, Zhongjie Resources, is investing approximately RMB 199.81 million to enhance its core component supply capabilities and market competitiveness through a project aimed at producing 2 million sets of high-end intelligent sewing machine key components annually [1][2]. Group 1: Project Overview - Project Name: Annual production of 2 million sets of high-end intelligent sewing machine key components equipment update and technology transformation project [2]. - Implementing Entity: Zhejiang Zhongjie Sewing Technology Co., Ltd. [2]. - Project Location: Yuhuan City, Zhejiang Province, in the southern part of the Yuhuan Intelligent Sewing Equipment Industrial Park [2]. Group 2: Project Details - Construction Content and Scale: The project will utilize three existing buildings in the Yuhuan Intelligent Sewing Equipment Industrial Park, including one for casting, one for dormitory, and one for a comprehensive building, without adding new structures. The project aims to achieve an annual production capacity of 2 million sets of high-end intelligent sewing machine key components [2]. - Investment Estimation and Funding Sources: The total estimated investment is RMB 199.81 million, which includes engineering costs of RMB 169.82 million, other construction costs of RMB 5.82 million, contingency fees of RMB 4.39 million, interest during construction of RMB 4.51 million, and working capital of RMB 15.27 million. Funding will be sourced from a combination of self-owned funds and bank loans [2]. - Construction Period: The expected construction period is 24 months [2].

Group 1 - Agricultural Bank of China is implementing policies to support large-scale equipment upgrades and technological transformations, establishing a collaborative mechanism to provide differentiated credit support [1] - By June 2025, Agricultural Bank has signed loan contracts exceeding 315 billion yuan for projects on the technology upgrade list, with a loan balance of over 115 billion yuan [1] - The bearing manufacturing industry is evolving towards precision, lightweight, and longevity, with companies like Anhui Sanduo Bearing Co., Ltd. planning to increase production capacity for high-end bearings used in robotics and intelligent equipment [1] Group 2 - Agricultural Bank's Anhui branch approved a 600 million yuan loan for Anhui Sanduo Bearing Co., Ltd., facilitating the upgrade of production lines and enhancing the company's competitiveness in the international market [2] - Ningbo Graphene Innovation Center Co., Ltd. is focusing on the research and application of graphene materials in the lithium battery industry, supported by over 150 million yuan in equipment upgrade loans from Agricultural Bank [2] - Jiangsu branch of Agricultural Bank is actively providing low-cost, long-term financing to local companies, such as Suzhou Likai Technology Co., Ltd., which is upgrading its production line for electric vehicle chassis [3]

Group 1 - The core viewpoint of the report highlights the acceleration of equipment updates in the petrochemical industry due to government support and guidelines, which is expected to optimize the supply side and eliminate outdated capacity, benefiting leading enterprises with financial and technological advantages [1][2] - The National Development and Reform Commission announced a special long-term bond funding support of 200 billion yuan, with the first batch of approximately 173 billion yuan allocated to 7,500 projects across 16 sectors, including petrochemicals [2] - The Ministry of Industry and Information Technology's guidelines for key industrial sectors emphasize the importance of equipment updates in industries such as petrochemicals, electronic components, lithium batteries, and photovoltaics [1][2] Group 2 - New product launches from companies like Xiaomi and Honor are driving the domestic material localization process, with significant advancements in battery technology, such as the Honor Magic V5's ultra-thin battery with a capacity of 6100mAh and energy density of 901Wh/L [3] - The report suggests that as leading companies in the consumer electronics sector enhance their R&D and innovation capabilities, it will stimulate a positive cycle in the domestic supply chain and promote high-end development in materials [3] Group 3 - The report tracks industry performance, noting that the Shanghai-Shenzhen 300 Index rose by 1.95%, while the Shenwan Petrochemical Index fell by 2.07%, underperforming the market by 4.02 percentage points [4] - The Shenwan Basic Chemical Index increased by 3.11%, outperforming the market by 1.16 percentage points, with the top-performing sub-sectors including membrane materials and other plastic products [5] Group 4 - The investment suggestion indicates a structural optimization of the supply side, recommending attention to sectors with significant supply elasticity, such as organic silicon and membrane materials, and highlighting key companies like Hoshine Silicon Industry and Zhejiang Longsheng [6] - The report also emphasizes the importance of domestic chemical enterprises in filling gaps in the international supply chain, driven by cost advantages and technological breakthroughs [6] Group 5 - The report identifies new consumption trends, particularly in health additives and sugar substitutes, driven by regulatory policies that are expected to expand the food additives industry [7] - The domestic self-sufficiency rate for new chemical materials is approximately 56%, indicating a significant opportunity for accelerated domestic substitution in sectors like semiconductor materials and high-end engineering plastics [7]

Group 1 - The Jinan Industrial Equipment Update and Technology Transformation Government-Bank-Enterprise Matching Conference was held to facilitate deep dialogue among government, banks, and enterprises, aiming to address financing difficulties for companies [1] - Jinan has a significant demand for equipment updates, with 1,717 industrial enterprises indicating a need for equipment renewal in the next two years, representing 60% of the total number of industrial enterprises [1][2] - The introduction of a comprehensive set of policies, including long-term government bonds for equipment updates and special loans, is expected to provide multiple benefits for enterprises, enhancing their potential for transformation and innovation [2] Group 2 - Companies are encouraged to rationally plan their investment scale to avoid blind expansion and to manage accounts receivable effectively to alleviate liquidity pressure [2] - The Jinan Industrial and Information Technology Bureau plans to implement a "white list" system to prioritize credit and interest rate incentives for trustworthy enterprises [2] - Key industries in Jinan, such as high-end equipment, advanced materials, and biomedicine, are accelerating their equipment updates, with 1,004 industrial technology transformation projects being implemented from January to May 2025 [3]