通讯员 宋开峰 德州报道 从手机银行月活用户突破百万的线上服务主阵地,到智慧校园、农业产业链等场景生态的深度渗透；从 RPA机器人替代人工的运营效率革命,到"人机协同"风控体系筑牢资金安全防线……在数字经济浪潮奔涌 向前的时代背景下,工行德州分行以"数字金融"为经纬,在德州大地上编织起一张覆盖城乡、链接产业、 服务民生的立体化"金融网"。 苦练内功 坚实自身,推动数字金融腾飞 打铁还需自身硬,工行德州分行深谙这一道理,苦练内功,为数字金融发展筑牢根基。 李梦晴 了解到企业融资需求后,工行德州宁津支行客户经理上门拜访,为企业量身推荐"产业e贷"融资方案。从整 理资料到资金到账,仅用不到两天时间,如今,新生产线已启动调试,该笔跨境订单正按计划赶工。 面对市场变化与客户需求升级,工行德州分行专注金融产品创新,针对产业集群痛点,推出线上标准化产品 矩阵,如"小微e贷""园区e贷""产业e贷",利用大数据风控实现"秒批秒贷",有效满足企业多元化融资需求。 这些创新产品如同"毛细血管",渗透到德州各大产业园区的每个环节。据了解,截至8月末,工行德州分行 通过"园区e贷""产业e贷",向全市2个国家级园区、11个省级园区共 ...

Group 1: Industry Development - The liquor industry in Luzhou, Sichuan Province is expanding from planting and brewing to a full industry chain model integrating culture and tourism [1] - Postal Savings Bank of Luzhou is actively engaging in local industry layout, using "industrial chain finance" to address financing challenges for growers, liquor companies, and distributors [1] Group 2: Raw Material Procurement Challenges - The core raw material for sauce liquor production, Hongyingzi glutinous sorghum, faces procurement challenges due to seasonal cash flow pressures for suppliers [2] - A supplier experienced a 15% increase in order volume for the 2024 autumn harvest but faced a funding gap of several million yuan, highlighting the urgency of timely financing [2] - Postal Savings Bank provided a quick loan of 1 million yuan to the supplier, enabling successful procurement within a critical timeframe [2] Group 3: Supporting Liquor Enterprises' Capacity Upgrades - A modern project at Sichuan Provincial Liquor Group's Yongle Sauce Liquor Base, with a total investment of 3.2 billion yuan, is under construction to enhance production capacity [3] - Postal Savings Bank customized financing solutions for this project, facilitating a fixed asset loan of 330 million yuan, with 267 million yuan disbursed to date [3] - The project is expected to create 415 new jobs and expand surrounding sorghum planting bases by 30,000 acres [3] Group 4: Addressing Distributor Financing Issues - Traditional financing models have left downstream distributors of Luzhou Laojiao struggling with seasonal inventory funding shortages due to lack of collateral [4] - Postal Savings Bank launched "Industrial e-loan," linking directly with Luzhou Laojiao's platform to provide credit based on real trade orders, enabling rapid loan disbursement [4] - By March 2023, the bank had provided 130 million yuan in financing to over 400 distributors, resulting in a 10% year-on-year increase in procurement within the industry chain [4]