近日，为全面支持临沂健康肉制品产业集群高质量发展，兴业银行济南分行以金融特派员制度为抓手， 在临沂成立支持健康肉制品产业链工作领导小组，将服务触角延伸至健康肉制品产业链养殖、屠宰、加 工、冷链物流、精深加工全环节，重点对接农业产业化龙头及上下游配套企业，把金融服务精准送到产 业发展需要的地方。 转自：新华财经 该分行金融特派员以"专业、高效、精准"的服务理念，打通金融服务产业链的"最后一公里"。针对产业 链企业旺季备货、技改升级等阶段性资金需求，特派员开辟绿色审批通道，简化流程、压缩时限，投放 效率较传统模式大幅提升，确保资金及时足额到位，有力支撑企业稳产增收，助力临沂健康肉制品产业 向高端化、智能化、绿色化转型，为企业抢抓市场机遇保驾护航。 （刘广永） 编辑：穆皓 据了解，兴业银行积极践行"为金融改革探索路子、为经济建设多做贡献"初心使命，组建专业化金融特 派员队伍，聚焦产业链强链补链延链需求，构建全流程金融服务体系。2025年，该分行在临沂累计为产 业链企业审批授信41.25亿元，服务核心及上下游企业近20户，贷款余额达16.86亿元。 为破解产业链企业融资痛点，该分行通过金融特派员队伍创新工作模式，打造 ...

Core Viewpoint - The official launch of the Hainan Free Trade Port's full island closure on December 18 marks a significant step in China's commitment to high-level opening-up and the construction of an open world economy, presenting new development opportunities across various industries [1] Group 1: Support for Hainan's Full Island Closure - The full island closure operation is a foundational project for the Hainan Free Trade Port, with the National Development Bank's Hainan branch actively supporting infrastructure and logistics projects to ensure smooth implementation [2] - The bank has facilitated financing for major infrastructure projects, including upgrades to key ports and logistics hubs, ensuring that all ten "second-tier ports" pass national acceptance [2] - The Hainan branch of the National Development Bank prioritizes infrastructure service as its primary business initiative, engaging in significant projects aligned with national and provincial planning [2] Group 2: Growth of Cross-Border Financial Services - Post-closure, the convenience of cross-border capital flow is expected to significantly increase, with banks exploring new opportunities in cross-border trade settlement and offshore financial services [3] - Agricultural Bank of China has launched multifunctional free trade accounts to facilitate cross-border capital flow for quality enterprises in Hainan, establishing a comprehensive financial account service system [3] - The bank aims to enhance services for domestic and foreign enterprises investing in Hainan through collaborative mechanisms across various regions [3] Group 3: Financial Innovations and Support for Key Industries - Minsheng Bank's Haikou branch is actively engaging with cross-border financial reform policies, implementing innovative services such as cross-border asset transfers and QDLP pilot programs [4] - The financial sector is focusing on supporting Hainan's four leading industries and key areas to drive high-quality economic development [5] - Citic Bank's Haikou branch is committed to enhancing financial services for local enterprises, including innovative financing solutions for agricultural research and technology sectors [6]

精准滴灌,破解重点领域融资难题 邹城金融监管支局锚定县域经济高质量发展核心目标,以"金融服务进万企"深化提升年活动为总牵引,立 足邹城产业特色与民生需求,通过精准对接融资需求、创新保险保障模式、优化金融服务供给三维发力, 构建起覆盖城乡、精准高效、风险共担的普惠金融服务体系,让金融活水直达市场主体,全面彰显金融工 作的政治性与人民性。 创新赋能,提升普惠金融服务质效 创新"银行+镇街"联合走访模式。依托各镇街产业特点,精准匹配1-2家银行组成走访小组,"一企一策"了 解融资需求。目前,已累计走访企业5.6万户,摸排有效融资需求5000余项,推荐清单4899户,累计对4655户 主体首先116.4亿元。发挥"金融副镇长"桥梁纽带作用。选派16名金融机构业务骨干下沉至各镇街担 任"金融副镇长",深入小微企业解读政策、精准摸排需求、现场协调问题,成为服务小微的"贴心人"。 首创"金融会诊"纾困机制。组织银行金融顾问和融资担保机构共同参与,针对困难企业开展精准诊断和 联合施策。推广场景化、定制化信贷产品。鼓励银行依托税务、工商、交易流水等大数据优化风控模 型,创新"信E贷""税e贷""供应链融资"等产品。多措并举推动 ...

针对企业需求，农行清远太平支行量身定制"额度充足、期限适配、用信灵活"的综合金融服务方案。该 支行结合订单规模、营收水平及偿债能力，给予企业1000万元授信额度；依托农行普惠金融数字化审批 通道，简化流程、压缩时限，快速完成放款，为企业抢占市场赢得时间。 授信发放后，农行清远太平支行建立常态化跟踪机制，定期回访并动态监测企业经营、订单及资金使用 情况，同步提供账户结算、代发工资、理财咨询等一揽子服务，助力企业降本增效。 在农行清远太平支行支持下，石元公司生产线产能提升30%以上，供货稳定性获国际车企高度认可，营 收逐年增长，成长为清远汽车零部件产业骨干企业。 石元公司的案例是农行清远分行系统服务产业转移企业的缩影。近年来，该分行聚焦清远产业园区这一 产业转移核心载体，打出政策倾斜、产品创新、服务升级"组合拳"，为园区企业注入强劲金融活水。 为给园区企业提供更优渥的成长环境，农行清远分行主动向上级行争取差异化信贷政策，将金融资源优 先向产业园区汇聚，同时通过利率优惠、开辟贷款审批"绿色通道"、设立专项信贷额度等方式，精准破 解企业"担保难""融资额度紧"等燃眉之急，为产业转移项目在清远"落地生根、开花结果"提供 ...

金融不仅是经济发展的"晴雨表"，更是推动产业结构升级、保障民生福祉的关键"催化剂"与"稳定器"。 建设银行中山市分行(以下简称"建行中山分行")秉持国有大行的责任担当，以金融为笔，深入开展民生 实践，绘就金融与城市交融共进的高质量发展新图景。 破解治理难题 人口老龄化浪潮下，如何让老年人安享晚年，是社会也是金融必须回答的课题。金融作为服务民生的关 键力量，其价值正体现在对百姓最现实、最迫切需求的回应之中。 中山HJYY有限公司(以下简称"HJYY")是中山医药供应链中的重要一环，承担着为众多养老机构、社区 及家庭配送老年常用药品的关键职责。然而，药品采购需占用大量流动资金，这让企业在保障稳定供应 时时常感到压力。 对此，建行中山分行展现了服务精准与创新并重的"巧实力"。分行并未止步于传统信贷支持，而是依托 其成熟的"核心企业+上下游"供应链金融服务体系，精准施策。基于HJYY的上游核心药企——XST制药 的强健信用，建行中山分行为HJYY提供了便捷高效的供应链融资。这一模式省去了复杂的抵押担保流 程，通过线上化操作迅速将金融养料注入产业链的毛细血管。 为"制造业当家"注入绿色动能 在珠三角制造业版图上，中山以 ...

郡县治，天下安。作为国民经济"毛细血管"的县域经济，是高质量发展的重要支撑，也是推动新型城镇 化和乡村振兴的重要动力。 建设银行福建省分行深度融入八闽县域经济发展脉动，聚焦产业、民生、消费等重点领域，整合金融产 品供给，着力在"圈链群"上做文章，为县域中国式现代化建设注入金融动能。截至2025年10月，该行县 域重点产业贷款余额超1000亿元，支持超1.2万家县域重点产业主体协同发展。 链式服务 融通县域产业链 沿着泉州南安茂盛东路一路行驶，南安市数字化卫浴产业园、奥飞智能卫浴园等园区集链成群，上百家 水暖卫浴企业生产如火如荼，共绘一幅"链主领航+链员协同+产业融合"的水暖卫浴阀门千亿元级产业 生态画卷。在卫浴产业以创新闻名的九牧，便是这条千亿元级产业链的"链主"。 "我们每年将10%以上的销售额用于研发，在全球设立了16大研发中心，累计获得各项专利超2万项。这 背后离不开建行这个'长跑搭档'。"九牧集团副董事长林四南说，从高能量的直营沟通，到高适配的金 融服务，建行不仅为九牧数字化转型提供中长期信贷、政府贴息等惠企服务，还整合在线供应链中应收 账款的数字化信息，并基于此创新提供供应链融资，有效解决了上下游供 ...

Core Insights - Hua Chiao Bank China won the "Best ASEAN Partner Bank" award at the "2025 First Financial Financial Value List (CFV)" ceremony, recognizing its significant role in the "Greater China-ASEAN" integration strategy and cross-border service capabilities [1][2] - The bank is the second-largest financial group in Southeast Asia and has been a steadfast participant in China's economic development since its establishment in 1925 [1] Group 1: Strategic Advantages - The bank's "Greater China-ASEAN" integration strategy is central to its operations, leveraging the deepening trade relations between China and ASEAN to create growth opportunities [3][4] - Hua Chiao Bank has a robust network in key ASEAN countries, including Singapore, Malaysia, Indonesia, Thailand, and Vietnam, which facilitates its role as a financial bridge between Greater China and ASEAN [3] - The bank's deep-rooted connection with the Chinese market positions it as a key player in the region, with the Greater China area being its second core market [4] Group 2: Support for Chinese Enterprises - The bank provides comprehensive support to Chinese enterprises venturing into ASEAN markets, addressing challenges such as local regulations, culture, and business practices [5] - It offers tailored financial solutions and localized support through its "Greater China Overseas Business Department," which helps Chinese companies establish local networks and navigate the business landscape [5][6] - Successful case studies include supporting Chinese enterprises in Malaysia's clean energy sector through cross-border financing solutions, enhancing operational efficiency and reducing costs [6][7] Group 3: Currency and Trade Facilitation - The bank actively promotes the use of the Chinese yuan in cross-border transactions, addressing currency exchange and foreign exchange risk as key pain points for Chinese enterprises [8] - As a direct participant in the offshore RMB payment system (CIPS), the bank provides efficient RMB trade and investment settlement services, enhancing the cross-border application of the currency [8]

Core Insights - The strategic cooperation between Industrial and Commercial Bank of China (ICBC) Ningbo Branch and Ningbo Jin Investment Holding Group aims to enhance the "Silk Road Maritime" port and shipping trade integration development through financial empowerment [1][2] - The partnership focuses on supporting national industrial and supply chain stability, contributing to the construction of Ningbo as a "modern coastal metropolis" [1] Group 1: Strategic Cooperation - The cooperation will involve deep collaboration in areas such as investment and financing innovation, financial technology empowerment, cross-border financial management, and comprehensive project lifecycle services [1] - ICBC Ningbo Branch will leverage its global network and the "Belt and Road" interbank cooperation mechanism to design comprehensive financial service solutions for Ningbo Jin Investment Holding Group [1] Group 2: Role of Ningbo Jin Investment Holding Group - Ningbo Jin Investment Holding Group serves as a core functional platform integrating municipal resource coordination, financial state-owned asset layout, fiscal-financial linkage, and financial technology empowerment [2] - The group aims to enhance the "supply chain, financing chain, and supplementary chain" functions through innovative fiscal-financial tool combinations and strengthened state-owned asset collaboration [2]

Core Insights - First Brands Group, a US auto parts supplier, filed for bankruptcy due to over-leveraging, financial misconduct, and external tariff impacts, accumulating over $10 billion in debt [1][2][3] - The bankruptcy has raised concerns about trade financing risks and due diligence standards in the private credit industry, exacerbating fears of corporate debt issues spreading [1][2] Company Overview - First Brands Group, founded in 2013 by Patrick James, expanded aggressively through acquisitions, acquiring over 20 companies and reaching a peak employee count of 26,000 [2] - The company primarily supplied auto parts to major retailers like Walmart and AutoZone, but its rapid growth masked underlying financial issues, including overdue payments to suppliers [2][3] Financial Operations Leading to Collapse - The company utilized significant borrowing for acquisitions, leading to a façade of growth while concealing financial instability [2] - First Brands accumulated $2.3 billion in factoring debt and $800 million in supply chain financing debt, shocking Wall Street and indicating a more fragile financial state than previously understood [6][7] - Allegations surfaced that the former CEO misappropriated hundreds of millions of dollars, further complicating the company's financial situation [3][6] Impact on Financial Institutions - Jefferies, a key financial partner since 2014, faced significant exposure and reputational damage, with its stock dropping approximately 19% since the bankruptcy filing [7][8] - Other notable institutions affected include UBS Group, Norinchukin Bank, and various trade financing platforms, raising concerns about the broader implications for the financial sector [8][9] Private Credit Industry Concerns - The bankruptcy has sparked scrutiny of the private credit sector, which is a $1.7 trillion market, as most of First Brands' debt was not sourced from private credit firms, but some trade financing did involve them [9][10] - Jamie Dimon, CEO of JPMorgan, expressed concerns about due diligence in the private credit industry following the collapse of Tricolor, another company facing financial difficulties [9][10] Future Developments - An independent board committee is investigating potential misuse of collateral and the overall financial practices of First Brands [6][10] - Creditors are seeking more information regarding the company's profitability and cash needs, with uncertainty surrounding the recovery of funds [10]

Core Viewpoint - Iran's Finance Minister announced the implementation of a "National Credit Plan" aimed at providing low-cost financing to small and medium-sized enterprises (SMEs) and supporting low-income families with affordable loans for marriage, childbirth, and employment [1] Group 1 - The plan will direct liquidity into the production sector and subsidize essential consumer needs [1] - The initiative aims to promote production, control inflation, and support livelihoods [1]