服务升级：暖心举措彰显责任担当。金融服务有速度，更要有温度。"这笔贷款来得太及时了！从申请 到放款不到24小时，不仅解决了我们的资金周转问题，还帮我们成功拿下了一个订单。"青岛某农业机 械设备制造企业负责人刘先生激动地说。凌晨5点，整座城市还在睡梦中，威海银行的客户经理小毕已 经驱车赶往客户家中。得知从事农业机械设备制造的刘先生当天要赶早班机去外地签合同，急需资金支 持，小毕主动提供上门服务，在客户登机前完成了所有核查工作。当飞机落地时，刘先生就收到了贷款 审批通过的短信通知。而这样的温暖故事在威海银行不断上演：有的客户经理驱车百余公里深入田间地 头，为农产品加工厂办理贷款；有的放弃休息时间，深入市场，只为用最优的服务最快满足客户需求； 还有的主动为企业设计最优还款方案，切实减轻融资负担。 展望未来：持续创新服务实体经济。威海银行"优企贷"推出半年来，已为近300家小微企业提供授信支 持超2亿元。随着业务的深入开展，"优企贷"的品牌效应日益凸显。近三成的新客户来自老客户推荐， 形成了"贷动一家、带动一片"的良性循环。未来，威海银行将持续优化"优企贷"服务：一方面深化与税 务、工商等部门的数据共享，进一步提升审 ...

潮新闻客户端 通讯员 杭萱 杭州某智能家具公司，是扎根杭州近十年的小微企业，在全铝家居行业市场具有领先优势。企业本身有智能化创 新，扩大产能，抢占市场的需求，但受限于收款周期长、流动资金不足等问题。 杭州银行南阳小微综合支行积极响应国家政策号召，加大对智能制造领域小微主体的信贷倾斜，及时为该企业提供 一笔云小贷100万的资金支持，助力其新增生产线，扩大产能。 这笔业务的落地是杭州银行服务科创企业、践行普惠金融的真实写照。杭州银行聚焦实体制造业及专精特新企业， 深化行业客群、园区客群走访，持续深耕产业场景，创新服务模式，依托多元化金融产品，为小微企业提供优质高 效的金融服务。 "园区+产业+金融"融合创新 湖州国千东源智能产业园，以"高层次人才科技创新及创业产业化"为主题，重点聚焦"3D打印、汽车零部件、智能 制造"等核心产业。 该园区内许多初创期企业面临融资难、融资成本高等难题，亟需资金支持，但其轻资产运营模式与传统抵押融资难 以匹配。 一直以来，杭州银行湖州分行重点聚焦当地产业园区，持续与该园区走访对接，了解到园区内部分企业融资需求后 主动响应，积极寻求解决方法，最终为其中6家科技型企业量身打造"抵押+信用 ...

Group 1: Economic Characteristics and Financial Support - The block-style characteristic industry is a prominent feature of Zhejiang's economy since the reform and opening up, with the private economy being the main force behind it [1] - Hangzhou Bank focuses on policy guidance and regional characteristics, innovating financial products to empower county economies and support private enterprises in Zhejiang [1] - As of the end of 2024, Hangzhou Bank's loans in manufacturing, green finance, technology, and inclusive small microcredit have seen year-on-year growth of 26.27%, 21.52%, 29.52%, and 29.91% respectively [1] Group 2: Technological Innovation and Financial Solutions - Financial support is crucial for the rapid technological iteration and high R&D investment in the new energy industry, acting as a catalyst for the transformation of scientific achievements [2] - A specific new energy technology company in Changxing has developed key technologies for lithium battery-related functional films, supported by a tailored technology loan of 4.5 million yuan from Hangzhou Bank [2] - The financial backing has enabled the company to enhance R&D efforts, optimize product performance, and significantly improve market competitiveness, contributing to regional economic development [2] Group 3: Intellectual Property Financing - Intellectual property financing is an effective attempt to address the financing difficulties faced by small and medium-sized enterprises while unlocking the market value of intellectual property [3] - A daily necessities company specializing in cotton swabs and other hygiene products received a 3 million yuan loan through a patent pledge loan scheme, alleviating financial pressure and reducing costs [3] - The loan has allowed the company to increase R&D investment and expand its international market presence [3] Group 4: Marine Industry and Financial Innovation - The fishing industry in Zhoushan is supported by policies and financial initiatives, with Hangzhou Bank providing tailored loans to enhance the efficiency of aging fishing vessels [6][7] - The bank has issued loans to over 50 squid fishing boats and supported more than 20 marine enterprises in upgrading vessels and optimizing production capacity [7] - Financial products like "Comprehensive Loans for Ocean Fisheries" and "Cloud Pledge Loans" address the operational funding needs of fishing enterprises, enabling them to operate more efficiently [7][8]