"政保共担贷"是该行与吴兴区发改经信局、浙江省融资担保有限公司联合推出的，旨在为当地优质 科技型企业提供以信用为主、免抵押、低费率、降门槛、简手续的创新性融资担保服务，适用于湖州市 吴兴区发展改革和经济信息化局划定的科创型企业名单内的企业。 "轻舟贷"是该行推出的一款专门针对科技型企业的信用贷款，旨在缓解科技型企业融资困难，扶持 科技型企业发展，加速科技成果产业化，通过采用纯信用、弱担保的产品，获贷企业最多可享受35%的 政府专项资金贴息。 科创型企业在成长初期，大多存在投入大、轻资产、缺抵押物和担保人带来的"融资难、抵押难、 担保难"问题。近年来，浙江农商联合银行所辖吴兴农商银行始终围绕企业自主创新和发展的融资需 求，主动对接，缓解科创型民营企业融资难题，多措并举助力科创型企业成长。 近日，吴兴农商银行为浙江孔辉汽车科技有限公司发放专利权质押贷款及"绿色助力贷"共1200万 元，并下调利率0.5个百分点，主动为企业减负。据悉，该行制定出台首批科技型企业白名单，通过"投 贷补"模式切实缓解科创型中小企业融资难、融资贵问题。一是创新综合担保方式，积极打造"信用+担 保+质押"的组合方式，着力推动政策担保、专利权 ...

Group 1 - The core viewpoint of the articles emphasizes the proactive role of Chengwu Rural Commercial Bank in supporting the high-quality development of local economies by innovating financial products and optimizing financial supply to facilitate financing for small and micro enterprises [1][2] - The bank recognizes the significant role of private enterprises in economic development and has increased financial support for them, focusing on addressing the loan difficulties faced by these businesses through various initiatives [1][2] - Initiatives such as "Hundred Banks Entering Ten Thousand Enterprises" and "First Loan Cultivation for Private and Small Enterprises" have been organized to provide targeted financial support to growing private and small enterprises with market potential and financing needs [1][2] Group 2 - An example of a beneficiary of the bank's financial support is a certain electronic technology company that faced funding shortages while planning to expand its operations, leading to a customized financial service plan and a timely issuance of a 4 million yuan pledge loan [2] - The bank has innovatively expanded the range of collateral options for small enterprises, introducing various loan products such as "Small Business Owner Loans" and "Intellectual Property Pledge Loans" to address the common issue of lack of collateral among small businesses [2] - Looking ahead, the bank aims to continue exploring financial innovation, focusing on the development needs of technology-driven and green low-carbon private enterprises to inject stronger financial momentum into local economic development [2]

Group 1: Financial Support for Key Industries - The People's Bank of China (PBOC) Ningde Branch focuses on financial services for key industrial chains, aiming to create a favorable monetary environment for high-quality economic development in Ningde [1] - Ningde has developed four main industries: lithium battery new energy, new energy vehicles, stainless steel new materials, and copper materials, which are crucial for its economic growth [2] - As of February 2025, the local financial institutions have issued a total of 1.694 billion yuan in technology innovation and technical transformation re-loans [2] Group 2: Green Finance Initiatives - Ningde has initiated the "Electric Ningde" plan to promote carbon neutrality, integrating carbon peak and carbon neutrality goals into its economic development [4] - The PBOC Ningde Branch has implemented a green finance service system, with green loans accounting for 24.47% of total loans by the end of 2024, the highest in the province [4][5] - Financial institutions have provided 414 million yuan in credit to support electric shipbuilding and charging facilities as of January 2025 [5] Group 3: Inclusive Finance Development - The PBOC Ningde Branch has established various inclusive finance initiatives, including "fishing farm loans" and a "guarantee cloud" online platform, to support local特色产业 [6] - The "financial special commissioner" model has been implemented, with 398 financial personnel sent to 131 towns and districts to enhance financial services [6] - Since the launch of the "Hundred Bankers into Thousand Enterprises" initiative, 2,378 new credit approvals totaling 24.035 billion yuan have been granted [6] Group 4: Support for Specific Industries - The sea cucumber industry in Xiapu County has seen significant growth, with a production of approximately 102,000 tons in 2024, accounting for over 30% of the national market [7] - A sea cucumber farmer received a 500,000 yuan "Huinong e-loan" to expand operations, demonstrating effective financial support for local agriculture [8] Group 5: Elderly Care Financial Services - The PBOC Ningde Branch is enhancing financial support for the elderly care industry, with a focus on developing specialized financing solutions [9] - A loan of 20 million yuan was issued to support a senior care project, showcasing the commitment to improving elderly services [9] Group 6: Digital Financial Innovations - The PBOC Ningde Branch is promoting digital financial services, including the establishment of a "digital brain" platform for the edible fungus industry to facilitate financing [10] - As of February 2025, the local credit union has issued 5791 "Fugu Digital Economic Loans" totaling 480 million yuan, supporting the digital transformation of the edible fungus industry [10][11]