新华财经南京12月15日电（王宇静）小微企业是经济发展的生力军、就业的主渠道、改善民生的重要支 撑。为助力小微企业纾困解难、提质增效，农业银行江苏苏州示范区分行积极落实小微企业融资协调机 制，强化金融供给，优化服务路径，创新产品体系，精准滴灌实体经济发展"沃土"，以"金融+"模式持 续激发区域经济新动能。 创新产品矩阵 破解科创企业融资难题 在新兴产业领域，科创小微企业常因缺乏传统抵押物、研发周期长、回报不确定性高等问题，让许多银 行望而却步，融资难、融资慢成为制约其发展的"拦路虎"。 转自：新华财经 大雪时节，寒意渐浓，苏州吴江横扇镇的羊毛衫市场却暖意融融。线下门店人头攒动，线上直播间热闹 非凡。借助电商与直播新业态，横扇羊毛衫走进千家万户。 面对持续升级的消费需求，当地羊毛衫企业主动求变，一方面投入资金改造生产线、扩大规模，以规模 化效应摊薄成本，让优质毛衫价格更亲民；另一方面融合传统工艺与现代技术，开发多元化毛衫产品， 打响区域品牌。但这一传统产业集群中多为小微企业，生产旺季备货、生产线改造等环节常面临短期、 灵活的融资需求，往往因抵押物不足、审批流程长等问题陷入资金困境。 农行江苏苏州示范区分行精准洞 ...

（作者为农业银行重庆分行公司业务部总经理，本报记者左希采访整理） 一是积极构建多维度服务体系。我们从战略层面开展布局，完善服务架构，制定指导意见、实施方案 等。构建"1+12+N"科技金融三级服务体系，建立科技金融柔性团队服务模式，全面开展"金融活水入园 区"活动。建立科技金融核心、骨干人才库，打造既懂金融又懂科技的复合型队伍。 二是全周期支持企业稳健成长。从科研成果转化到产业集群建设，我们围绕科技型企业成长全过程开展 金融支持。在科技成果转化的关键环节，与重庆大学深度合作，精准识别并服务产学研合作企业，成功 落地"科技e贷"600万元。针对企业不同成长阶段实施精准化的梯度培育。在初创期，运用"数智赋能+资 金直达"模式，支持企业完成技术迭代。在为成熟期龙头企业提供服务时，注重加强行司联动，优化供 应链金融服务等，全面助推企业核心战略落地实施。 三是创新产品做好综合性金融服务。借助前沿的科技工具和产品，不断提升金融服务的效率、精准度和 覆盖面。积极用好"科技e贷""专精特新小巨人贷""科捷贷"等重点产品政策，全力解决科技型小微企 业、专精特新企业等融资需求，持续推动投贷联动取得实效。 在科技创新引领高质量发展 ...

Core Insights - The integration of finance and technology is becoming a core driver for high-quality regional development, particularly in the Yangtze River Delta [2][7] - Agricultural Bank of China is leveraging precise financial services to empower the growth of technology innovation enterprises while upgrading its financial service model through technology [2][6] Financial Support for Technology - Agricultural Bank has established a precise and efficient technology financial service system, with a technology loan balance exceeding 1.5 trillion yuan in the Yangtze River Delta, marking an annual increase of 250 billion yuan [3][4] - The bank has built a three-tier service system comprising service centers, specialized departments, and professional branches, with over 200 specialized technology financial branches [3][4] Innovative Financial Products - The bank has shifted its credit evaluation logic to focus on future potential rather than past performance, introducing specialized evaluation models for technology enterprises [4] - Unique financial products such as "Specialized, Refined, Unique, and New Small Giant Loans" and "Torch Innovation Credit Loans" have been developed to meet the full lifecycle needs of technology companies [4] Technology Empowering Finance - The banking sector is becoming a pioneer in the application of large models, with Agricultural Bank leading in utilizing technology to enhance financial services [5] - The bank has created a "Technology Financial Digital Map" to visualize the distribution and competitiveness of technology enterprises, aiding in precise service delivery [5] Future Directions - Agricultural Bank plans to provide comprehensive services for technology enterprises throughout their lifecycle and deepen collaborations with governments and research institutions [6] - The bank aims to support over 1,200 quality technology enterprises annually in the Ningbo area, facilitating cross-regional technology innovation [6] Conclusion - The dual integration of finance and technology is reshaping the innovation ecosystem in the Yangtze River Delta, creating a virtuous cycle of technology enterprise growth and upgraded financial services [7]

Core Insights - Agricultural Bank of China Liaoning Branch is committed to supporting the optimization of energy structure and low-carbon transformation in Liaoning through green finance initiatives [1] Group 1: Support for Clean Energy Development - The Jinzhou Heishan 900MW wind power project is a landmark for new energy development in Liaoning, receiving a total credit of 2.359 billion yuan and loans of 1.482 billion yuan from Agricultural Bank of China [2] - The project, with 180 wind turbines, generates an average of 2.26 billion kWh annually, saving 728,000 tons of standard coal and reducing carbon dioxide emissions by 1.99 million tons [2] Group 2: Empowering Technology Enterprises - The bank focuses on efficient operation and technological innovation in the green energy sector, providing tailored financing solutions to specialized and innovative enterprises [3] - A total of 15 million yuan has been provided to Shenyang Jiayue Electric Power Technology Co., a national-level "little giant" enterprise, to support breakthroughs in big data monitoring and intelligent operation [3] Group 3: Promoting Green Consumption - The bank has integrated financial services into the green travel industry by launching the "Taxi e-loan" product, which has disbursed over 14 million yuan to support the replacement of nearly 160 fuel taxis with new energy vehicles [4] - This initiative is expected to reduce carbon dioxide emissions by 300 tons annually and has been recognized as a model for nationwide replication [4] Group 4: Overall Green Finance Ecosystem - Agricultural Bank of China Liaoning Branch has established a comprehensive green finance ecosystem covering energy production, technological support, and consumer end [4] - As of October 2025, the bank's green loan balance is expected to exceed 70 billion yuan, with an annual growth rate of 22.35% [4]

Core Viewpoint - Agricultural Bank of China (ABC) Beijing Branch prioritizes technology finance as a strategic business, focusing on the construction of the Beijing International Science and Technology Innovation Center, and actively innovating financial products and service models to support the development of new productive forces and cultivate new growth momentum [1][3]. Group 1: Product Innovation and Development - ABC Beijing Branch has iteratively upgraded the "Beijing R&D Loan" product to address the financing difficulties faced by technology enterprises, using technology projects and achievements as the basis for evaluating "future repayment ability" [1][2]. - The upgraded "Beijing R&D Loan" is designed to meet the flexible funding needs of technology enterprises in various scenarios, including technology innovation, project research and development, and technology achievement transformation [2]. - The bank has optimized the admission criteria by focusing on credit ratings, R&D investment, industry sectors, and research capabilities, moving away from traditional credit thinking that emphasizes financial statements and collateral [2]. Group 2: Financial Product Features - The credit limit can be flexibly calculated based on R&D investment, equity investment, operating income, and project needs [2]. - The maximum term for working capital loans can reach 5 years, while fixed asset loans for capitalized R&D projects can extend up to 10 years [2]. - The bank has expanded the types of collateral to include intellectual property, patent licensing income, and core professional equipment, enhancing credit options and supporting government risk compensation funds and guarantee insurance [2]. Group 3: Growth Metrics and Future Focus - As of September 2025, the loan growth rate for technology enterprises in Beijing reached 33%, with a compound annual growth rate of over 20% for strategic emerging industry loans in the past two years [3]. - ABC Beijing Branch will continue to focus on emerging pillar industries and future industry development layouts, innovating products and optimizing services to support modern industrial systems, agricultural technology enterprises, and key areas such as private and small technology enterprises [3].

Core Insights - Agricultural Bank of China (ABC) has been actively supporting technology-oriented enterprises in Fujian Province, particularly through tailored financial products to address their funding challenges [1][2] Group 1: Financial Support Initiatives - ABC provided a specialized loan called "Specialized, Refined, Characteristic, and Innovative Small Giant Loan" to a CNC machine tool manufacturer, enabling them to stabilize production amid cash flow pressures [1] - The bank's quick response time, with loan approval completed in two weeks, highlights its commitment to supporting local businesses [1] - ABC has implemented a series of inclusive financial measures to eliminate information barriers and streamline financing for technology enterprises [1] Group 2: Innovative Financing Solutions - The bank utilized "Technology E-Loan + Patent Pledge" to assist a technology company in securing low-interest credit, recognizing the value of intellectual property as collateral [2] - ABC has established a comprehensive financial service network that integrates resources from government departments and industrial parks to enhance service efficiency for technology firms [2] - The bank's proactive approach has resulted in a significant increase in loans to technology enterprises, with a balance of 563 million yuan as of September, reflecting a growth of 270 million yuan since the beginning of the year [2]

Core Insights - The article discusses the challenges faced by technology innovation enterprises, such as insufficient physical assets and difficulties in financing, and highlights how financial institutions are innovating products and services to support these companies [1][2] - A new policy tool called "innovation points" is introduced, which quantifies and evaluates a company's innovation capabilities based on key indicators like R&D investment and intellectual property, helping to improve access to financing [1][2] Group 1 - Technology innovation enterprises often possess multiple patents but struggle to convert these intangible assets into tangible financial support [1] - Agricultural Bank of China has developed the "Innovation Points Loan" to assess the innovation capabilities of enterprises and enhance their financing profiles [1][2] - The bank's initiatives have led to a significant increase in loans to technology enterprises, with a loan balance nearing 40 billion yuan and a growth rate of 22.5%, outpacing other loan categories by 20 percentage points [2] Group 2 - The bank's approach shifts from traditional asset-based lending to evaluating innovation potential, providing tiered financial support throughout the lifecycle of technology enterprises [2] - New financial products such as "Emerging Industry Empowerment Loan" have been introduced to assist companies that have received private equity investments but still face funding shortages [2] - The bank has implemented a three-tier structure for technology financial services, optimizing its offerings to better serve the needs of technology enterprises [2]

Group 1: Agricultural Bank of China Zhuhai Branch's Financial Support - The Agricultural Bank of China Zhuhai Branch has provided significant financial support to local projects, including the modern marine ranch "Standard Sea" project, which has successfully commenced production [2][4]. - The bank has been actively involved in various sectors such as pension finance, green finance, and support for small and micro enterprises, contributing to the economic development of Zhuhai [2][3]. Group 2: Pension Finance Initiatives - The bank is focusing on the pension finance sector, responding to national strategies by providing financial support to the elderly care industry, exemplified by a recent loan of 300 million yuan to Green Bamboo Biopharmaceutical Co., Ltd. for vaccine development [3]. - A specialized service model has been established, offering tailored financial products and policies to support pension institutions and healthcare enterprises [3]. Group 3: Green Finance Development - The "Standard Sea" project represents a significant advancement in sustainable marine farming, marking a new phase of standardized and intelligent aquaculture [4][5]. - The bank has customized financial service plans for this project, including an initial credit of 84 million yuan, facilitating the transition from traditional fishing to a technology-driven and green development model [5]. Group 4: Support for Small and Micro Enterprises - Small and micro enterprises are recognized as vital components of the economy, with the bank providing crucial financial support to companies like Zhuhai Huitian Solar Technology Co., Ltd., which has benefited from the bank's credit assistance [6]. - The bank's rapid response to the financial needs of these enterprises, including a quick renewal of a loan of 430,000 yuan, demonstrates its commitment to alleviating financial pressures faced by small businesses [6]. Group 5: Innovation and Technology Financing - The bank has allocated a special loan of 265 million yuan to support the development of a new productivity base in the electronic chemical industry park, aligning with national strategies to support the real economy [7]. - The bank plans to introduce innovative financial products to further support the development of strategic emerging industries in Zhuhai, contributing to the region's goal of becoming a global innovation hub [7].

Core Viewpoint - The establishment of "Silver Village" in Danzhai County, Guizhou, has successfully integrated over 30 intangible cultural heritage (ICH) projects, enhancing local tourism and cultural industries, and demonstrating the potential of financial support in driving regional development [1][2]. Group 1: Development of "Silver Village" - "Silver Village" was created to gather and develop scattered ICH projects, aiming to transform cultural resources into a distinctive industry [1]. - The project received initial funding of 1 million yuan and an additional 500,000 yuan from personal savings, but faced financial challenges during construction [1]. - Agricultural Bank of China provided a loan of 4 million yuan, which alleviated funding shortages and allowed for the successful opening of "Silver Village" [1]. Group 2: Economic Impact and Financial Support - "Silver Village" now attracts 200,000 visitors annually, generating a comprehensive output value exceeding 10 million yuan [2]. - The Agricultural Bank of China has supported 48 ICH inheritors in Qiandongnan Prefecture, facilitating the creation of various ICH brands and tourism routes [2]. - The bank is focused on optimizing financial resource allocation to support regional characteristic industries and promote new business developments [2]. Group 3: Broader Financial Initiatives - The Agricultural Bank of China is also supporting the green industry, helping companies like Guizhou Gaofeng Shili Xiang Rice Industry Co., Ltd. to expand production and market reach [3]. - By the end of 2024, the bank aims to have a loan balance of 8.3 billion yuan for technology-based enterprises, supporting 429 companies with specialized financial products [3]. - The bank's strategy includes focusing on serving the real economy, rural revitalization, and the integration of culture and tourism [3].