深耕国际业务 畅通跨境资金流动"快车道" 跨境资金流动自由便利是自贸港高水平开放的核心标志。目前海南自贸港已构建起以多功能自由贸易账 户体系为基础、多项试点政策为支撑、风险防控为保障的跨境资金流动管理体系，海南正稳步向更高水 平的金融对外开放迈进。 企业出海，金融工具发挥着重要的作用，海南自由贸易港多功能自由贸易账户（EF账户）是一把让跨 境资金流动更便利的"钥匙"。建行海南省分行以EF账户为核心抓手，持续打造跨境金融服务新高地。 作为首批10家试点银行之一，建行海南省分行于2024年5月正式上线EF账户，截至2025年11月末，海南 省分行已开立EF账户104个，EF账户项下业务量折合人民币约157亿元。先后实现EF账户项下经常项目 与资本项目结算、离岸汇率交易、贸易融资、跨境融资等多场景突破，落地全国首笔EF账户外汇期权 业务，让跨境资金结算效率实现质的飞跃。 针对企业全球化布局需求，建行海南省分行结合政策优势和企业实际需求，持续创新丰富EF账户应用 场景，让跨境资金流动更便利，为企业的全球化布局提供助力。创新跨境资金运作模式，向海南天然橡 胶产业集团股份有限公司投放国际商业转贷款4.72亿元，支持企业采 ...

今年以来，泊头市聚焦实体经济发展，创新"线上+线下"联动对接模式，常态化征集企业融资需求，引 导金融机构开展"一对一"对接，推出"产业集群贷""信易贷""云税贷"等信用贷款产品。深化政银协同， 建立金融政策与项目信息定期交流机制，组织金融机构分批次入企走访、上门服务，实现金融服务"零 距离"。截至目前，共举办各类政银企对接活动132场次，对接企业超2000余家次，发放贷款46.50亿 元。 中新网河北新闻12月15日电 (李智婷)为进一步帮助企业解决融资难题、优化金融营商环境，12日上午， 河北省沧州泊头市组织金融机构开展普惠金融政策集中宣传活动。 图为金融机构开展普惠金融政策集中宣传活动现场。 郭辰光 摄 同时，该市联合银行开展数字化消费专项营销活动，激活消费活力；鼓励金融机构加大外贸企业支持力 度，用好跨境快贷、外贸云贷等线上产品，增加纯信用、低利率信贷供给，今年为50余家外贸企业，提 供了近亿元融资支持，进一步推动外向型经济发展。 据泊头市政府办金融科科长郭辰光介绍，下一步，该市将持续深化政银企联动，丰富普惠金融产品体 系，完善金融服务机制，扩大政策宣传覆盖面，为各类市场主体纾困解难、发展壮大提供坚实金 ...

如今，在政务大厅、地铁、医院、会展中心等地方，我们常常可以看到各式各样的机器人，有条不紊地 做着服务接待、导览讲解、安防巡逻、远程监控等工作。而广州智汇机器人科技有限公司（下称"智汇 机器人"），便是它们的"创造者"之一。 回顾智汇机器人的"成长"历程，中国建设银行广东省分行（下称"建行广东省分行"）称得上是不可或缺 的"伙伴"。2019年，公司刚成立时，由于是轻资产的科技型企业，难以获得传统贷款，而研发投入、硬 件采购、人才引进却刻不容缓。 智汇机器人创始人胡俊文回忆道，"转机发生在和建行进行接触后，他们深入调研企业技术实力与场景 落地潜力后，迅速给我们发放了首笔330万元'抵押快贷'，解决了燃眉之急。" 近年来，在加快培育和发展新质生产力的背景下，代表着科技创新和高端制造业水平的机器人产业迅猛 发展，也催生出大量的金融需求。作为国有大行，建行广东省分行充分发挥"产业赋能者"角色，以服务 好人工智能与机器人产业为突破口，精准对接人工智能产业链上游要素供给、中游技术创新、下游应用 扩大等各环节金融需求，助力广东打造全球领先的智能制造与数字经济新高地。 "精准滴灌"支持产业上游要素供给 当前，广东正在加快打造全 ...

Core Viewpoint - The China Construction Bank Sichuan Branch has actively aligned its operations with national strategies during the "14th Five-Year Plan" period, contributing significantly to the economic development and transformation of Sichuan province [1][3]. Group 1: Strategic Alignment and Support - The bank has enhanced its capabilities to support major national strategies, including the construction of the Chengdu-Chongqing economic circle, by providing over 280 billion yuan in credit support for key projects [4]. - It has established a mechanism for project promotion and launched various supportive measures to ensure the successful implementation of significant initiatives [4]. Group 2: Financial Services and Innovations - The bank has focused on providing comprehensive financial services, including the establishment of seven private equity investment funds with a total commitment exceeding 30 billion yuan, and has invested over 26 billion yuan in more than 50 projects in Sichuan [4]. - It has developed a three-year action plan for technology finance, becoming the first bank in Sichuan to be recognized as a "Technology Finance Innovation Base" [5]. Group 3: Green Finance and Infrastructure Development - The bank has prioritized financing for clean energy and green infrastructure projects, actively supporting the construction of transportation projects and renewable energy initiatives [6]. - It has collaborated with local state-owned enterprises to revitalize existing assets and enhance funding for critical infrastructure [6]. Group 4: Inclusive Finance and Community Support - The bank has implemented an "active empowerment" credit model, providing nearly 178.8 billion yuan in credit and 144.6 billion yuan in disbursements to support small and micro enterprises [6]. - It has also focused on enhancing financial services for the elderly and other vulnerable groups through innovative digital solutions [7]. Group 5: Digital Finance and Consumer Support - The bank has successfully integrated digital currency applications in various sectors, including housing provident fund services and retail payments, covering over 6,600 stores [8]. - It has supported consumer spending through interest subsidies in key service sectors, with nearly 10 billion yuan in loans for the hospitality and entertainment industries [9]. Group 6: Social Responsibility and Rural Development - The bank has actively participated in rural revitalization efforts, with new loans in key counties exceeding the average growth rate of total loans [10]. - It has contributed to local community projects and provided scholarships to students, demonstrating its commitment to social responsibility [10].

Core Insights - The article emphasizes the importance of financial services in supporting small and micro enterprises, which are vital for economic development [1][7] - The China Construction Bank (CCB) is actively providing tailored financial solutions to small businesses in Taiyuan, helping them overcome challenges and innovate [2][4][6] Financial Support for Small Enterprises - CCB's Taiyuan branch has formed a specialized service team to cater to the financial needs of small business owners and individual entrepreneurs, offering flexible and convenient services [1][2] - The "Mortgage Quick Loan" product allows small enterprises to secure financing quickly by using quality real estate as collateral, with a recent case where a local inn received a loan of 540,000 yuan [2][3] - As of September 2025, the balance of inclusive micro loans in Shanxi Province reached 534.06 billion yuan, reflecting a year-on-year growth of 21.5%, significantly outpacing the overall loan growth rate [3] Case Studies of Financial Assistance - Taiyuan's Wowo Inn benefited from a 540,000 yuan loan to upgrade its facilities and enhance its appeal to tourists, showcasing the impact of targeted financial support [2] - Taiyuan Tai Tong Da Logistics Co., Ltd. received 1.01 million yuan through the "Cloud Tax Loan" product, which helped the company manage cash flow and fulfill existing orders [4] - The Taiyuan branch also provided a 3 million yuan "Mortgage Quick Loan" to Peite Trading Co., Ltd., enabling the company to stock up for the upcoming sales season and improve its market competitiveness [6]

Core Insights - The new inclusive finance policy for 2025 aims to alleviate financing difficulties for enterprises by introducing a "light review of liabilities" credit loan program, with a credit pool formed by four major banks [1][4] - The program targets three types of enterprises: small and micro businesses, light asset innovative companies, and stable operating merchants, providing credit limits ranging from 700,000 to 9.2 million [1][3] Group 1: Key Features of the New Loan Program - High debt tolerance allows businesses with higher liabilities to access loans without being rejected based on historical debt details [3] - Credit limits are tailored to meet specific needs, starting from 700,000 for daily operations to 9.2 million for equipment upgrades and supply chain expansion [3] - Interest rates are significantly reduced, starting from 2.98%, which is 30% lower than the market average, potentially saving over 300,000 in interest for large loans [3] Group 2: Application Process and Requirements - Core application requirements include being established for at least one year, having a legal representative holding at least 5% of shares, and maintaining a good credit record [6][9] - Businesses must have a minimum tax payment of 5,000 in the last 12 months and must open a corresponding bank account [6] - The application process involves submitting necessary documents for preliminary review, with funding potentially available within 3 to 6 days after approval [12][8] Group 3: Real-World Examples - A Guangzhou electronics factory, previously rejected by three banks due to high debt, received 4.2 million in just four days through the "operating quick loan" channel, allowing for early production line launch [4] - A Hangzhou e-commerce company secured 2.8 million in six days to boost inventory for the peak season, resulting in a 180% increase in sales [4] Group 4: Additional Information - The program is available nationwide, excluding Hong Kong, Macau, and Taiwan, and is not applicable to certain industries such as finance and government [10][11] - The loan terms are flexible, with amounts ranging from 500,000 to 50 million, and repayment options include interest-first, principal later [8]

Core Insights - The "Yun Tax Loan" product from China Construction Bank (CCB) is designed to provide timely and efficient financial support to small and micro enterprises, significantly enhancing their production capabilities [1][2] - The product leverages the company's tax credit as collateral, allowing for a streamlined online application process that can be completed in just 30 minutes without the need for physical documents or asset pledges [2] Group 1: Company Overview - Hubei Shenzhan Wheel Co., Ltd., established in 2019, specializes in manufacturing automotive tire steel rims and has seen over 10% year-on-year sales growth in the first eight months of this year [1] - The company faced challenges with cash flow and production funding, which hindered further growth despite its rapid expansion [1] Group 2: Financial Product Details - The "Yun Tax Loan" is a fully online financing product tailored for small and micro enterprises with good tax credit records, breaking away from traditional loan requirements [2] - CCB's "Yun Tax Loan" has provided 736 million yuan in loans to 729 small and micro enterprises in Shiyan City this year, with an increase of 33.48 million yuan since the beginning of the year [2] Group 3: Future Plans - CCB's Shiyan branch aims to continue supporting the real economy through technological empowerment and product innovation, ensuring that financial resources are effectively directed towards small and micro enterprises for high-quality economic development in Shiyan City [2]

Group 1 - The core viewpoint of the articles emphasizes the efforts of the Weifang banking sector in promoting high-quality financial services to support economic development, particularly through technology finance, green finance, inclusive finance, and digital finance [1][11][30] - Weifang banks have established 14 technology branches or specialized institutions to enhance financial support for technology enterprises, resulting in significant growth in loans to high-tech and specialized small and medium-sized enterprises [3][4] - The banking sector has seen a rapid increase in green credit, with a balance of 215 billion yuan as of June 2025, reflecting a growth rate of 13.36%, which is higher than the average growth rate of other loans [11][30] Group 2 - The Weifang banking industry has implemented various financing solutions for local enterprises facing capital constraints, such as providing tailored financing plans and quick loan approvals to support production expansion [4][14][21] - The introduction of innovative financial products like "订货快贷" (Order Quick Loan) has significantly improved loan approval efficiency for small and micro enterprises, reducing processing time from weeks to minutes [22][35] - The establishment of a dedicated pension finance service team has led to a substantial increase in loans directed towards the elderly care industry, with a loan balance of 6.45 billion yuan as of mid-2025, marking a growth of 159.13% [30][32] Group 3 - The Weifang banking sector is actively enhancing digital financial services, with 27 banks implementing digital credit approval systems, resulting in a 40.92% increase in loans to the digital economy sector [34][35] - The development of a cloud platform for photovoltaic payment solutions has attracted over 40 local photovoltaic companies, facilitating efficient payment processes and addressing cash flow challenges in the industry [34] - The use of patent pledges as a financing solution has enabled high-tech companies to secure funding despite lacking traditional collateral, demonstrating the innovative approaches being adopted in the banking sector [35]

Core Viewpoint - China Construction Bank's Hainan branch is enhancing cross-border financial services to support the high-quality development of Hainan Free Trade Port, focusing on facilitating capital flow and empowering the real economy [3][18]. Group 1: Cross-Border Financial Services - The Hainan branch has launched the EF account, which is crucial for cross-border capital flow, with 65 accounts opened and a settlement volume of approximately 87 billion RMB by the end of August [5][7]. - The bank has successfully executed various financial services under the EF account, including trade financing and offshore exchange rate transactions, and has organized 19 promotional events to enhance awareness and collaboration [6][7]. - International settlement clients and cross-border RMB clients have seen a growth rate of nearly 40%, with international settlement volume and cross-border RMB business volume averaging a growth of nearly 50% [7]. Group 2: Support for New Productive Forces - Hainan Construction Bank has provided 50 million RMB in working capital loans to Hainan Hangxin, a semiconductor chip manufacturing project, aiding in production expansion [8][9]. - The bank has developed a comprehensive evaluation system that incorporates a company's technological capabilities into financing decisions, thus facilitating long-term loan solutions for businesses [9]. - The bank's support has enabled Hainan Hangxin to stabilize and expand production, with an expected output value of 100 million RMB by 2025 [9]. Group 3: Focus on Key Industries - The bank has tailored financing solutions for Hainan Zhongzheng Aquatic Technology Co., providing 10 million RMB in supply chain financing to support its operations [14][15]. - Hainan Construction Bank has established a comprehensive financial service ecosystem for "Hainan Fresh Products" brand enterprises, offering a range of financial services to meet diverse needs [15]. - By the end of August, the bank's loans to high-tech industries reached 2.71 billion RMB, with an increase of 845 million RMB this year [13][16]. Group 4: Commitment to Real Economy - The bank has actively directed financial resources towards technological innovation, with loans to tech enterprises reaching 3.39 billion RMB, a year-on-year increase of 83.84% [16]. - The bank's green loans have grown by 12.41% in the first eight months of the year, supporting local economic transitions to green and low-carbon development [16]. - The bank has supported over 22,300 small and micro enterprises with a total loan amount exceeding 22 billion RMB, leading local financial institutions in both loan volume and number of clients [16].

Core Viewpoint - Suixian County is actively implementing financial support policies to enhance the efficiency of financial services for the real economy, aiming to alleviate financing difficulties and costs, thereby promoting high-quality economic development [1] Group 1: Policy Coordination and Support - Suixian County is building a multi-level policy support network to facilitate financial resources flowing to the real economy, focusing on precise implementation of policies to reduce financing costs for small and micro enterprises [2] - The county has provided a total of 1.745 billion yuan in financing guarantees through provincial agricultural guarantee companies, addressing financing bottlenecks for new agricultural business entities [2] - A financing coordination mechanism has been established, involving various stakeholders, resulting in 5,372 enterprises receiving credit totaling 2.989 billion yuan, with 2.748 billion yuan disbursed [2] Group 2: Innovative Financial Ecosystem - Financial institutions in Suixian County are encouraged to innovate products and services tailored to local economic needs, with total loans reaching 20.99 billion yuan, an increase of 1.33 billion yuan since the beginning of the year [3] - New credit products have been developed, such as "Shoe Loan" for the shoe industry and "Cloud Tax Loan" for small businesses, addressing traditional collateral challenges [3] - A "dual service" initiative has been launched to provide customized financial solutions for over 500 projects and enterprises, resulting in 3.84 million yuan in financing for 365 companies [3] Group 3: Service Efficiency and Financing Circulation - Suixian County has prioritized optimizing service experiences to enhance financing efficiency, conducting extensive outreach to small and micro enterprises [4] - The "main bank" system has been established to provide comprehensive financial services throughout the enterprise lifecycle, improving service continuity [4] - Regular meetings and specialized matching events have been organized to create a responsive platform for financing needs, ensuring that enterprises have access to necessary financial support [4]