针对中小科技型企业"轻资产、高成长、强专业"的特点，渤海银行推出"渤银科速贷"等专项产品，突破 传统授信模式，聚焦企业知识产权、研发投入、团队构成等"科技流"维度进行综合评估。同时，"人才 贷""渤银e链""渤银海纳池"等产品矩阵，覆盖了科创企业从初创、成长到成熟各阶段的金融需求，为企 业提供全过程、全周期、全覆盖的综合金融服务，助力企业优化资金管理、提升运营效率。通过与京东 科技等领先数字科技企业达成战略合作，渤海银行还推出"短e贷"等灵活融资产品，聚焦人工智能、量 子科技、生物技术等前沿领域，支持企业临时性、阶段性资金需求。 近日，在由《证券时报》主办的2025年中国银行业"天玑奖"评选中，渤海银行股份有限公司(以下简 称"渤海银行")凭借在科技金融领域的战略布局与创新实践，荣获"年度科技创新银行"奖项。 "天玑奖"旨在表彰银行业金融机构在多个关键领域的卓越实践与创新成果，重点关注跨境金融、研究赋 能及践行金融"五篇大文章"等领域的突破性进展，同时也涵盖财富管理、资产管理、私人银行等领域的 标杆案例。 渤海银行此次斩获"年度科技创新银行"奖项，得益于该行近年来高度重视科技赋能，持续加大金融科技 投入，以科 ...

Group 1 - The core viewpoint of the articles highlights the successful implementation of a "government-bank-enterprise" cooperation model in Jiangsu, aimed at addressing the financing challenges faced by businesses, particularly in the new energy equipment sector [1][2][4] - Jiangsu Yangtong Intelligent Technology Co., Ltd. expressed a financing need of 70 million yuan during a recent meeting, showcasing the direct engagement between enterprises and financial institutions [1] - Since 2022, the local government has established a framework to facilitate better communication between banks and enterprises, resulting in over 600 participating companies and more than 30 banking institutions [2] Group 2 - The "six lists" mechanism was introduced to streamline financing for key projects, green finance, inclusive finance, technology finance, digital finance, and pension finance, effectively guiding financial resources to where they are most needed [2][4] - A rigorous selection process ensures that only high-quality projects are included in the financing lists, which helps banks identify reliable clients and reduces due diligence costs [3] - Since the implementation of this mechanism, financial institutions have provided credit support totaling 148 billion yuan to 975 enterprises, demonstrating the tangible impact of the policies [3]

走进山东枣庄市山亭区建伟肉鸡饲养场，记者看到自动化喂料设备正将饲料投入食槽。饲养场负责人刘建伟说："在银行80万元贷款支持下，饲养 场对喂料、温控设备进行了自动化升级，养殖效益提升了20%。" 几个月前，建伟肉鸡饲养场在计划扩大养殖规模、更新养殖设备时，遇到了资金难题。"当时饲养场因营业执照注册登记日期未满两年，不符合银 行信贷的常规准入条件。"刘建伟回忆说，前期对接的几家金融机构均无法提供融资支持，项目建设一度陷入停滞。 山东亚泰新材料科技有限公司生产车间。（受访单位供图） 位于临沂市的山东亚泰新材料科技有限公司是一家国家级专精特新"小巨人"企业，近几年由于大力拓展海外市场，在流动资金、供应商货款等方 面有了新需求。公司财务负责人贾丙芹说："国外客户尤其看重公司资金流动的合规性、账户功能和国际结算效率，这对金融服务提出了新需 求。" 邮储银行临沂市分行在"千企万户大走访"中捕捉到亚泰新材料的需求后，根据企业"轻资产、高成长"的特点，为其量身定做"科创e贷+差额承 兑"的组合金融服务方案，为企业提供1500万元的流动资金贷款和3000万元的差额承兑，并给予下调利率与降低保证金比例的优惠。 支持小微企业融资协调 ...

全省社会融资规模和本外币贷款增速分别连续77个月和62个月快于全国,"十四五"期间年均增速分别达 到11.5%和11.2%,为山东经济大盘稳固提供了强有力的金融支撑。 价格上做减法 推动融资成本明显下行 11月13日上午,省政府新闻办举行新闻发布会,介绍"十四五"时期推进山东金融高质量发展情况。中国人 民银行山东省分行副行长李云山表示,"十四五"时期,人民银行推出了一系列支持性货币政策。始终将金 融服务实体经济作为根本宗旨,精准落实各项支持性货币政策,扎实做好金融"五篇大文章",为全省经济社 会高质量发展营造了良好的货币金融环境。 总量上做加法 促进融资规模合理增长 "十四五"期间,人民银行山东省分行根据人民银行总行安排,累计9次下调辖内相关机构法定存款准备金 率,释放长期资金约4600亿元,显著增强了金融机构信贷投放能力,带动金融总量实现合理增长。 2025年9月末,山东省社会融资规模和本外币贷款余额分别达到25.6万亿元和16.2万亿元,分别较2020年末 增长67.8%和65.4%,提前完成《山东省"十四五"金融业发展规划》设定的25万亿元和15万亿元目标。 结构上做乘法 引导信贷结构持续优化 "十四五 ...

同时，浙商银行北京分行还推出小微科创贷、人才贷等产品，精准对接科技型企业及实控人、核心股东 需求，助力园区吸引高端人才。 除了产品体系的创新，服务效率与客户体验的提升同样关键。在这一方面，浙商银行北京分行以数字化 转型破解传统融资痛点，构建"数科贷+数易贷+数字化项目"的"1+1+N"数字普惠产品体系，实现信贷服 务的线上化、智能化升级，践行"最多跑一次"理念，扩大小微业务线上办理范围，企业通过线上扫码即 可完成授信申请、审批、放款全流程。 得益于上述举措的持续推进，截至2025年9月末，浙商银行北京分行已累计服务30个产业园区、460余家 入园企业，投放融资支持超25亿元。 北京商报讯（记者 宋亦桐）在普惠金融深度赋能实体经济的背景下，产业园区作为小微企业集聚发展 的重要载体，其金融服务需求日益凸显，近日，浙商银行北京分行举办媒体开放日活动，走进位于北京 市石景山区的中关村工业互联网产业园，围绕"做好普惠金融大文章，助力产业园区发展"主题展开讨 论。 为更精准地满足园区多元化的金融需求，浙商银行北京分行创新性构建"10+N"金融顾问服务体系，以 10项园区贷子产品为基础，叠加N项特色服务，实现"一园一策"精 ...

"十四五"以来，人民银行山东省分行强化部门协同和政策集成，指导创设"科研贷""人才贷"等产品， 以"看技术、看订单、看前景"替代"看抵押、看报表"，有效破解科创企业融资难题。同时，创新推出 的"美德积分贷"，为讲诚信的农户提供了更优惠的信贷服务。通过"银行行长进商会访企业"等活动，主 动向民营企业输送知识、政策、产品和服务。 此举有效带动了金融总量的合理增长。至2025年9月末，山东社会融资规模和本外币贷款余额分别达到 25.6万亿元和16.2万亿元，较2020年末分别增长67.8%和65.4%，标志着"十四五"金融业目标已提前完 成。两项增速分别连续77个月和62个月快于全国，期间年均增速分别达11.5%和11.2%，为稳固山东经 济大盘提供了强力支撑。 价格上做减法，推动融资成本明显下行 "十四五"期间，人民银行政策利率累计下调了0.8个百分点，人民银行山东省分行积极引导金融机构将 政策利率调降的成效传导至贷款端。山东还作为全国试点，率先开展明示企业贷款综合融资成本试点工 作，通过将企业各项融资费用透明化和"阳光化"，进一步推动融资成本下降。 同时，指导金融机构两次批量下调存量个人住房贷款利率，合计下降1 ...

（文章来源：新华财经） 山东还发挥央行资金"四两拨千斤"的牵引带动作用，进入"十四五"以来，支农支小再贷款再贴现余额增 加1442亿元，带动同期涉农和小微贷款分别增加12111亿元和23165亿元。2025年前三季度，全省金融机 构运用科技创新和技术改造再贷款等结构性货币政策工具1600多亿元。 新华财经济南11月13日电（记者贾云鹏）记者从山东省政府新闻办13日举行的新闻发布会上获悉，今年 前三季度，山东金融"五篇大文章"领域新增贷款占全省的比重达79.5%；今年9月末，山东"五篇大文 章"领域贷款余额6.7万亿元，同比增长16.3%，高于各项贷款增速7.8个百分点，为全省绿色低碳高质量 发展注入了金融动力。 人民银行山东省分行副行长李云山说，"十四五"以来，人民银行山东省分行强化部门协同和政策集成， 指导丰富金融产品与服务，促进金融活水精准流向"五篇大文章"领域。例如，引导创设"科研贷""人才 贷"等金融产品，用"看技术、看订单、看前景"替代"看抵押、看报表"，有效破解科创企业融资难题； 创新推出"美德积分贷"，为品德好、讲诚信的农户提供额度更高、利率更优惠的信贷服务；组织开 展"银行行长进商会访企业"活 ...

Core Insights - Shandong Province is enhancing financial policies to integrate with technology, industry, and fiscal policies, aiming to optimize financial supply and deepen reform and innovation [1][2] - The province is focusing on attracting investment in key sectors such as high-end manufacturing and integrated circuits, with significant financial support from major financial institutions [1] - A total of 167 projects were financed by various financial institutions, amounting to 147.376 billion yuan in the first three quarters of the year [1] - Shandong is establishing a "four-value" system to support innovation, including credit data pricing and intellectual property valuation, alongside launching 114 specialized credit products [2] - The province has seen an increase in the number of listed companies, with 8 out of 9 new listings being technology firms, and over 8% of IPOs under review or guidance also being tech companies [2] - Financial support for talent is being enhanced through optimized loan services and risk compensation funds, with 129.51 billion yuan disbursed across 2,877 loans [3] Group 1: Financial Policy and Investment - Shandong is strengthening financial policies to align with technology and industry, focusing on optimizing financial supply and enhancing service quality [1][2] - The province is actively engaging with major financial institutions to secure more credit resources and insurance funds for key sectors [1] - In the first three quarters, financial institutions financed 167 projects with a total investment of 147.376 billion yuan [1] Group 2: Innovation and Industry Support - Shandong is promoting the establishment of a "four-value" system to support innovation, which includes pricing for credit data and intellectual property [2] - The province has launched 114 specialized credit products, achieving a total financing support of 35.2 billion yuan [2] - There has been a focus on nurturing high-quality enterprises in new technology sectors, with 8 out of 9 new listed companies being technology firms [2] Group 3: Talent Support and Services - Shandong is enhancing financial support for talent through optimized loan services and risk compensation funds, with 129.51 billion yuan disbursed [3] - The province has expanded risk coverage for talent, providing 86.63 billion yuan in risk guarantees to 139 companies [3] - The regional equity market has supported 206 companies listed on the talent board [3]

Core Points - The article emphasizes the implementation of the spirit of the 20th Central Committee of the Communist Party, focusing on practical actions and measurable results as keys to governance [1][4] - It highlights the innovative governance model in Luolong District, which integrates community services and grassroots governance through a grid management system [5][11] - The article discusses the importance of attracting and retaining talent in Luolong District, showcasing policies that support high-level professionals in contributing to local development [19][20] Governance Model - Luolong District has adopted a "Party building + grid + big data" approach to grassroots governance, effectively addressing management challenges in densely populated areas [5][7] - The community has established a comprehensive grid system, dividing areas into basic grids and micro-grids, with dedicated personnel assigned to manage them [11][12] - The integration of various departments into a unified grid management system has improved efficiency and responsiveness to community needs [10][11] Talent Attraction and Retention - The district has implemented the "government-record-enterprise-use" policy to attract high-level talent, allowing professionals to work in enterprises while maintaining government employment benefits [19][20] - The introduction of the "Long Love Card" provides various exclusive services to high-level talents, enhancing their living and working conditions [21][22] - As of October, the total talent pool in the district has reached 270,000, including a significant number of high-skilled and high-level professionals [23] Community Engagement - New employment groups, such as delivery riders, are actively involved in community governance, reporting issues and assisting in problem-solving [15][16] - The district has fostered a collaborative environment where local enterprises and community organizations work together to enhance service delivery and community well-being [16][18] - Events and activities are organized to strengthen community ties and promote cultural engagement among residents [24][25]

Core Viewpoint - Su Nong Bank's senior management, including President Wang Liang and Vice Presidents Fei Haibin and Geng Zhi, voluntarily plan to increase their shareholdings, demonstrating confidence in the bank's future and commitment to its development strategy [1][2]. Management Changes - Wang Liang, born in 1982, has extensive experience in various departments at Citic Bank and Su Nong Bank, making him well-suited for the role of President [2]. - Vice Presidents Fei Haibin and Geng Zhi also have rich backgrounds in grassroots banking and risk control, contributing to a well-rounded management team [3]. Strategic Focus - Su Nong Bank aims to serve as a "financial service steward" for small and medium-sized enterprises (SMEs), with over 90% of its loans supporting the real economy and more than 60% directed towards private enterprises [4]. - The bank has positioned itself as a leader in manufacturing loans among listed banks, establishing a "Su Nong model" for rural financial institutions [4]. Green Finance Initiatives - As the only legal bank in the Yangtze River Delta ecological green integration development demonstration zone, Su Nong Bank emphasizes green finance, with a target of exceeding 6 billion yuan in green loans by mid-2025 [4][5]. - The bank has successfully implemented various green finance projects, including the "Textile Industry Low Carbon Transformation and Financial Innovation Guide" to support the local textile industry's transition [5]. Innovation in Financial Products - Su Nong Bank has launched several innovative financial products aimed at technology enterprises, including "Talent Loans" and "Su New Loans," and has partnered with local government initiatives to enhance financial support for innovation [5]. - The bank has also introduced a unique "loan + equity option registration" business model, marking a first for rural commercial banks in Jiangsu [5].