■本报记者 郑长灵 "上午通过手机提交'产业集群贷'申请，下午100万元就到账了，解了我们的燃眉之急。"江西省吉安市 新干县小微企业江西东进电源科技有限公司（以下简称"东进电源公司"）负责人裴小波对《农村金融时 报》记者表示，不久前，该公司获得了邮储银行新干县支行发放的创新金融产品贷款。这是邮储银行发 放的江西首笔"产业集群贷"，标志着新干县在创新金融服务模式、支持县域产业集群发展方面取得新突 破，为中小微企业融资提供了高效便捷的新路径。 这只是吉安金融活水精准滴灌实体经济的一个缩影。数据显示，截至目前，吉安市绿色贷款余额近1000 亿元，同比增长23.9%，增速高出全省平均2.3个百分点。数字背后，一场以改革创新为犁、金融"活 水"为源的深度耕耘，正将吉安的"生态家底"转化为高质量发展的澎湃动能。 一方面，"产业集群贷"依托银行数字平台，融合大数据风控与产业链信用，实现全流程线上操作、及时 审批放款。在吉安市新干县，200余家小微企业进入"白名单"，覆盖箱包、电子、大米加工等特色产 业，最高500万元额度有效化解融资慢、融资难。 另一方面，政府搭台推动政银企"面对面"。今年以来，市县联动举办对接活动30余场 ...

Core Viewpoint - Cangzhou Bank has demonstrated resilience and vitality in its annual performance by adhering to its market positioning of serving local economies, small and medium-sized enterprises, and urban and rural residents amidst the complex economic and financial landscape of 2024 [1] Group 1: Support for Local Economy - Cangzhou Bank has integrated its development into the regional economic landscape, providing precise financial support to the real economy, with a total of 17.7 billion yuan in new loans by the end of 2024, marking an 11.32% increase from the beginning of the year, achieving a historical high in loan scale [2] - The bank has supported key projects in the Beijing-Tianjin-Hebei coordinated development area with nearly 20 billion yuan in loans, focusing on transportation integration and industrial transfer [2] - Cangzhou Bank has also provided over 25 billion yuan in loans for port area construction, enhancing port infrastructure and supporting the development of coastal economic cities [2] Group 2: Financial Innovations - In 2024, Cangzhou Bank provided 14 billion yuan in loans to specialized and innovative enterprises and nearly 30 billion yuan to high-tech companies, supporting over 900 technology-driven enterprises [4] - The bank's green finance initiatives have seen a remarkable growth rate of 235% in green loans, significantly exceeding the average loan growth rate, with funds directed towards clean energy and environmental protection projects [4] - Cangzhou Bank has introduced various loan products to support the agricultural sector, with 4.2 billion yuan in new agricultural loans and a decrease of 0.42 percentage points in average interest rates for agricultural loans [8] Group 3: Digital Transformation and Risk Management - Cangzhou Bank is advancing its digital transformation by enhancing mobile banking and smart community functions, achieving a 101% growth in online loans and serving over 5,000 customers [6] - The bank has implemented a risk management system called "Cangyin Fenghuotai" to enhance risk identification and monitoring, ensuring continuous assessment of credit risks [6] - The bank's commitment to green finance includes establishing a "green credit incentive fund" and promoting eco-friendly practices within its operations [6] Group 4: Future Outlook - Cangzhou Bank aims to continue its focus on serving the real economy and enhancing the well-being of residents, with a target of becoming a first-class urban commercial bank [8] - The bank's asset scale is approaching 300 billion yuan, and it has achieved its best-ever regulatory rating of level 4 from the central bank [8] - The bank plans to further strengthen its support for the real economy and improve financial risk prevention measures in the future [8]