汾水融冰，三晋逢春。2026年2月28日，晋商银行迎来十七周岁生日。自2009年在太原挂牌成立以来，晋商银行始终高擎党建旗帜、厚植为民情怀，十七载 栉风沐雨，从一支地方金融生力军，成长为总资产近4000亿元的省属上市金融国企。在山西高质量发展的时代征程中，晋商银行既坚守晋商文化之根，又熔 铸现代金融之魂，用实干担当书写着地方金融机构守正创新、赋能民生的时代答卷。 党建领航：铸牢发展之魂 作为国有金融企业，晋商银行始终把党的领导摆在首位，将政治优势转化为治理效能，让"党建红"引领"金融蓝"行稳致远。 坚持政治建设为统领，严格落实"第一议题"制度，构建传达学习、部署落实、跟踪督办、监督考核的闭环体系，确保党中央决策部署和省委工作要求落地生 根。推进党建与公司治理深度融合，扎实落实"党建入章"和"双向进入、交叉任职"，将党的领导嵌入决策、执行、监督各环节。建强基层战斗堡垒，深入开 展"国企党建规范提升"专项行动，打造"晋领先锋"党建品牌，系统推进"四强"党支部建设，将组织优势源源不断转化为发展优势。 党建引领之下，战略转型步履铿锵。"十四五"期间，全行发展质效稳步提升，核心指标逆势增长：总资产从3033亿元稳步增长 ...

三大路径破解中小企业融资难题 制造业与服务业融合过程中，中小企业常面临"轻资产、缺抵押"的融资难题，广东工行又有哪些针对性 创新举措？ 对此，韩松回应称，广东工行通过"产品创新+数字赋能+生态共建"三大路径破解。在产品创新上，推 出"专精特新贷""粤科e贷""入园企业购建贷"等专属产品，以创新积分、知识产权、订单数据为增信基 础，单户最高可获1000万元信用额度。 2月24日，广东省高质量发展大会顺利召开，会议以"制造业与服务业协同发展"为主题，对广东产业融 合发展提出了更高要求。在当日大会"科技与金融创新赋能产业融合"分会场上，谈及如何进一步深化科 技与金融创新的协同赋能，中国工商银行广东省分行（下称"广东工行"）行长韩松表示，将围绕科技、 数据、资本三大核心要素，实施差异化赋能策略。 制造业贷款余额近4500亿元 当前广东正全力推动制造业与服务业深度融合，作为国有大行，广东工行在适配这一趋势中，构建了怎 样的金融服务体系？ 韩松表示，广东工行始终以"金融赋能产业协同"为核心，设立"大湾区制造业中心+科技金融中心"专营 机构，将生产性服务业作为制造业协同发展的核心抓手，重点聚焦科技服务、数字赋能、场景创新等 ...

对此，韩松回应称，广东工行通过"产品创新+数字赋能+生态共建"三大路径破解。在产品创新上，推 出"专精特新贷""粤科e贷""入园企业购建贷"等专属产品，以创新积分、知识产权、订单数据为增信基 础，单户最高可获1000万元信用额度。 数字赋能方面，韩松表示，该行搭建线上化服务平台，整合工商、税务、供应链等多维数据，实现"数 据可用、信用可贷"；在生态共建上，该行联合政府融资担保机构、产业园区，建立"主动授信+自动化 审批"机制，审批时长较常规贷款大幅缩短。 2月24日，广东省高质量发展大会顺利召开，会议以"制造业与服务业协同发展"为主题，对广东产业融 合发展提出了更高要求。在当日大会"科技与金融创新赋能产业融合"分会场上，谈及如何进一步深化科 技与金融创新的协同赋能，中国工商银行广东省分行（下称"广东工行"）行长韩松表示，将围绕科技、 数据、资本三大核心要素，实施差异化赋能策略。 制造业贷款余额近4500亿元 当前广东正全力推动制造业与服务业深度融合，作为国有大行，广东工行在适配这一趋势中，构建了怎 样的金融服务体系？ 韩松表示，广东工行始终以"金融赋能产业协同"为核心，设立"大湾区制造业中心+科技金融中心"专 ...

Core Viewpoint - Jiangsu Bank, as a systemically important bank in China, is undergoing significant strategic evolution to adapt to the changing banking landscape, focusing on high-quality development while maintaining its scale advantage [2][4][49]. Group 1: Background and Purpose - Jiangsu Bank is the largest legal person bank in Jiangsu Province and plays a crucial role in the development of urban commercial banks and the Chinese banking industry [2]. - The research aims to analyze Jiangsu Bank's strategic evolution since its establishment in 2007, focusing on its current strategic layout and future development direction [2]. Group 2: Strategic Evolution Process - **Foundation and Scale Breakthrough Period (2007-2015)**: Jiangsu Bank was established through the merger of ten urban commercial banks, focusing on resource integration and local market penetration, achieving total assets of over 1 trillion yuan by 2014 [3]. - **Structural Optimization and Innovation Breakthrough Period (2016-2020)**: The bank went public in 2016, shifting its focus from scale expansion to quality and efficiency, establishing a "four modernization" development vision [4][5]. - **High-Quality Development and Strategic Deepening Period (2021-Present)**: Jiangsu Bank has set five strategic goals for high-quality development, emphasizing value creation, customer service, and political integrity [6][7]. Group 3: Current Strategic Statements - **Top-Level Strategic Positioning**: Jiangsu Bank's mission is to enhance people's quality of life through innovative financial services, with a vision of becoming a leading bank characterized by intelligence, specialization, internationalization, and comprehensiveness [8]. - **Five Strategic Goals**: The bank aims to be the most valuable bank, a service leader, an intelligent innovator, an employee-satisfied bank, and a politically robust bank, with each goal supporting the others [9][10]. Group 4: Business Development Strategies - **Corporate Business**: Jiangsu Bank focuses on strengthening corporate business, particularly in manufacturing and infrastructure, achieving a corporate deposit balance of 14,197 billion yuan, a 22.20% increase year-on-year [11]. - **Retail Business**: The bank aims to expand its retail business, with retail AUM exceeding 1.59 trillion yuan, marking a historic high [12]. - **Financial Market Business**: Jiangsu Bank is enhancing its financial market capabilities, with financial investment assets reaching 18,833 billion yuan, a 23.38% increase [13]. - **Digital Financial Development**: The bank is accelerating its digital transformation, with significant advancements in AI applications and digital financial services [14]. - **Regional Layout**: Jiangsu Bank maintains a strong presence in Jiangsu and extends its services to major economic regions [15][16]. - **ESG Strategy**: The bank integrates ESG principles into its operations, actively participating in sustainable finance initiatives [17]. Group 5: Comparative Analysis - **Comparison with Similar Banks**: Jiangsu Bank's asset scale is 3.95 trillion yuan, ranking it among the top urban commercial banks, with a focus on balanced development across various financial sectors [29][30]. - **Strengths and Weaknesses**: Jiangsu Bank has notable advantages in asset quality and regional presence but faces challenges in retail business proportion and internationalization [37][41][42]. Group 6: Future Strategic Directions - **"15th Five-Year" Planning**: Jiangsu Bank is preparing for its next strategic phase, focusing on clearer positioning and practical development goals, with expected revenue growth rates of 6.9% to 7.6% from 2025 to 2027 [44][45]. - **Key Development Areas**: The bank aims to enhance its technology finance services, green finance initiatives, and wealth management capabilities, with projected growth in these areas [46].

Core Insights - The article highlights the innovative financing solution "Su Zhi Loan" by Nantong Rural Commercial Bank, which significantly improves the efficiency of loan disbursement for quality-certified enterprises [1][2] - The bank has provided nearly 150 billion yuan in financing to over 4,000 enterprises in the past five years, demonstrating its commitment to addressing financing challenges [1] - The bank plans to extend its quality credit services to new sectors, including new agricultural entities and technology companies, by 2026 [2][3] Group 1 - Nantong Rural Commercial Bank has introduced "Su Zhi Loan," which allows quality-certified enterprises to receive loans quickly, with amounts reaching up to 32.5 billion yuan for 623 companies [1] - The bank categorizes enterprises into four quality levels, offering differentiated support, with the highest credit limit for top-tier companies set at 30 million yuan and a minimal interest rate increase of 0.3 percentage points above LPR [1][2] - The bank aims to create a comprehensive financing service system that covers the entire lifecycle of enterprises by integrating "Su Zhi Loan" with other products like "Specialized and Innovative Loan" and "Technology Loan" [2] Group 2 - Nantong Rural Commercial Bank is committed to enhancing local economic development by ensuring that financial resources are effectively channeled to key industries such as home textiles, shipbuilding, and green agriculture [2][3] - The bank emphasizes a customer-centric approach, aiming to streamline the loan application process and improve service efficiency through online and offline integration [2] - The bank's strategy focuses on transforming quality recognition into quantifiable credit assets, thereby enhancing the competitive edge of enterprises [2]

当前，大连正在推进区域性金融中心建设，此次方案提出鼓励金融机构聚焦企业需求，开发更多特 色化、定制化、专属化普惠信贷产品。农行大连分行落实小微企业融资协调机制，创新"连海e贷·线下 集群"对公信贷产品，破解小微企业融资难题；交行大连分行以"科创连惠贷"等特色化产品组合，提升 金融服务精准度；工行大连分行精准支持科创企业高质量发展，推出"专精特新贷"等金融产品；建行大 连分行深耕政务数据赋能，创新产品累计投放普惠贷款超20亿元；中行大连分行发挥外汇外贸优势，通 过人工智能等技术拓宽小微企业融资渠道；兴业银行大连分行创新"宿易贷"，精准赋能民营企业。 辽宁省委副书记、大连市委书记熊茂平表示，要拿出"再怎么重视都不为过，再怎么抓也不为过"的 鲜明态度，切实推动营商环境在短期内实现明显好转、根本好转，不断提振社会信心、激发市场活力、 增强发展后劲。 经济日报大连1月30日讯（记者温济聪）近日，大连市召开全市优化营商环境大会，发布《大连市 2026年营商环境质量提升行动方案》（7.0版），全力营造市场化、法治化、国际化一流营商环境。截 至目前，大连已累计更新迭代6次营商环境提升方案，推出397项改革举措，持续打造"近悦 ...

本报大连1月30日讯（记者温济聪）近日，大连市召开全市优化营商环境大会，发布《大连市2026年营 商环境质量提升行动方案》（7.0版），全力营造市场化、法治化、国际化一流营商环境。截至目前， 大连已累计更新迭代6次营商环境提升方案，推出397项改革举措，持续打造"近悦远来"营商环境标杆城 市。 辽宁省委副书记、大连市委书记熊茂平表示，要拿出"再怎么重视都不为过，再怎么抓也不为过"的鲜明 态度，切实推动营商环境在短期内实现明显好转、根本好转，不断提振社会信心、激发市场活力、增强 发展后劲。 此次方案突出五大特色，即突出制度规则系统优化、突出数字技术应用、突出服务产业生态、突出优化 人文环境、突出培塑营商环境品牌。 （文章来源：经济日报） "突出优化人文环境非常重要，这次大会将企业家、个体商户等经营主体安排在核心位置，让我感受到 温暖。"大连市西岗区我爱大连文创中心主理人邹美玉说。 当前，大连正在推进区域性金融中心建设，此次方案提出鼓励金融机构聚焦企业需求，开发更多特色 化、定制化、专属化普惠信贷产品。农行大连分行落实小微企业融资协调机制，创新"连海e贷·线下集 群"对公信贷产品，破解小微企业融资难题；交行大连分 ...

党建赋能科技金融，激活创新发展新动能。邳州农商银行坚持把党建引领贯穿科技研发与服务创新各环 节，设立党员先锋岗，以"敢为人先"的担当破解服务痛点、提升服务效能。依托大数据、人工智能等前 沿技术，构建智能化风控体系，将蒜农种植面积、板材企业经营流水、商户信用记录等多维度数据整合 分析，制定标准化评级模板，实现贷款审批"精准画像、智能决策"，让金融服务从"经验判断"向"数据 说话"转变。构建并动态更新"科创企业白名单"，精准对接"专精特新"企业和科技型企业，推广"专精特 新贷"等专项信贷产品，实施精准滴灌式金融服务。 站在新的发展起点，邳州农商银行将持续深化党建与业务融合，为推动邳州经济社会高质量发展、助力 乡村全面振兴贡献更强农商力量。胡梦 党建深耕普惠金融，筑牢乡村振兴新根基。坚守"支农支小"初心使命，邳州农商银行把普惠金融服务延 伸至田间地头、街头巷尾，构建"党建+金融村官+网格化"服务模式，打通金融服务"最后一公里"。全行 197名金融村官以"三强五进"工作法为指引，每周固定入驻行政村参与乡村治理，建立村民普惠信息档 案66.8万户，实现全市行政村整村授信全覆盖，让超70%的村民享受到"无感授信、有感反馈 ...

Core Viewpoint - The article highlights the efforts of Juyue Rural Commercial Bank in implementing a systematic approach to support small and micro enterprises, addressing their long-standing financing challenges through a coordinated financial service mechanism [1][4]. Group 1: Mechanism Design - Juyue Rural Commercial Bank recognizes that solving the financing difficulties of small and micro enterprises requires a stable institutional arrangement rather than sporadic visits or products [2]. - The bank has established a financial service coordination mechanism involving government leadership, bank management, departmental collaboration, and multi-party participation [2]. - A quarterly joint meeting system has been set up with local regulatory bodies to assess the operational status and financing needs of small and micro enterprises [2]. Group 2: Policy Implementation - The bank focuses on executing the coordination mechanism effectively, ensuring that financial policies reach the enterprises [3]. - A product adaptation mechanism has been developed to promote tailored credit products that align with the lifecycle and characteristics of enterprises [3]. - A "green channel" has been established to prioritize loan applications for high-quality small and micro enterprises, significantly reducing the average loan processing time [3]. Group 3: Achievements and Impact - Since the implementation of the small and micro enterprise coordination mechanism, the bank has seen a 40% increase in the number of serviced small enterprises and individual businesses, with over 25% being first-time borrowers [4]. - The bank has addressed the financing needs of over 3,000 small enterprises, disbursing more than 2 billion yuan in loans [4]. - The coordination mechanism has become a crucial part of optimizing the local business environment, supporting specialized enterprises and enhancing cooperation between government, banks, and businesses [4].

企业融资需求怎样精准匹配？金融产品怎么选择？1月27日，由市民营经济发展促进中心主办、中国工 商银行泸州分行承办的"一'泸'易贷"政银企面对面融资对接会给出了答案——政企银三方围坐"一张 桌"，让政策解读"接地气"、融资办理"少跑腿"、精准服务"暖人心"。此次对接会吸引58家企业参会， 其中25家企业与工行泸州分行达成初步合作意向，涉及资金近1亿元，切实为民营企业发展注入金融活 水。 活动现场，工行泸州分行聚焦民营企业多元需求，推介综合金融服务矩阵：烟火贷、专精特新贷等产 品，适配小微商户与优质科创企业；可转让大额存单、分阶段项目融资等服务，精准赋能企业发展。针 对中小微企业流动性资金紧张、暂时难以归还银行贷款的困境，泸州市兴泸融资担保集团有限公司推介 了泸州市产业发展应急转贷资金，为企业提供短期资金周转支持。据了解，我市已有25家金融机构推出 了106款特色金融产品，融资额度覆盖500万元到3000万元，在资料齐备的情况下，企业可以实现线上提 交、秒申秒贷。 "我的餐饮店分店正在装修，急需一笔流动资金，这次对接会让我全面了解了各类贷款产品和金融服 务，给我提供了更多的选择。"泸州市餐仪汇餐饮有限公司负责人刘 ...