服务消费一头连着民生福祉，一头牵着经济转型，是衡量社会发展和人民生活品质的重要标尺。在推动 经济高质量发展过程中，更大力度提振服务消费，离不开金融的强力支撑与深度赋能。 不过，服务消费领域的经营主体，普遍具有"轻资产、缺抵押、融资急"的特点，传统信贷模式往往难以 有效覆盖其融资需求。这就造成了巨大的市场潜力与金融支持不足之间的矛盾。笔者认为，为有效破解 这一矛盾，金融机构应主动作为，将信贷资源精准投向服务消费领域。这既是响应国家战略、服务实体 经济的责任担当，也是优化信贷结构、培育新增长点的内在要求。 首先，创新信贷产品，应实现"量体裁衣"。金融机构须摒弃"一刀切"的惯性思维，深入调研不同细分行 业的特点，开发出更具适配性的金融产品。如针对知识付费、在线服务等轻资产企业，可探索以知识产 权、订单数据等为授信依据的信用贷款。 其次，深化科技赋能，提升服务效率与风控水平。金融机构应积极拥抱金融科技，利用大数据、人工智 能、云计算等技术，为缺乏传统抵押物的消费服务企业精准画像，大幅提升融资效率，降低企业融资成 本。同时，科技赋能也能帮助金融机构更有效地识别和管控风险，提供坚实的技术保障。 最后，优化服务模式，不断延 ...

9月23日，由上海市人工智能行业协会指导、平安银行（000001）上海分行等机构协办的"AI赋能低空经 济 共探智能融合新未来"主题论坛在浦东张江模力社区成功举办。本次活动汇聚了低空经济与人工智能 领域的70余家代表性企业、行业专家及金融机构代表，围绕AI与低空经济的融合路径、基础设施构建 与金融支持机制展开深入探讨。 作为本次论坛唯一的协办金融机构，平安银行上海分行在推动产业与金融融合方面展现出积极姿态。平 安银行上海分行公司业务管理部负责人王春旭受邀出席，并在主题发言中系统阐述了平安银行在服务科 创企业、赋能新兴产业发展方面的战略布局与实践成果。 聚焦科创企业全生命周期，平安银行推出多元化金融支持体系 王春旭表示，面对低空经济、人工智能等新兴技术驱动型产业，平安银行已构建覆盖企业全生命周期的 金融服务方案，包括初创期信用贷款、成长期供应链金融、成熟期跨境并购支持等综合化产品体系。他 指出，低空经济作为国家战略性新兴产业，具有技术密集、资本密集、周期较长的特点，银行机构需 以"三大心态"深度融入产业发展： 一是以"细致务实"的心态夯实产业基础服务，聚焦企业从研发到商业化各阶段的融资需求，积极参与低 空基础设 ...

9月23日，伴随着丰收的喜悦，第八个"中国农民丰收节"（以下简称"丰收节"）如期而至。今年的丰收节以"庆农业丰收 享美好生活"为主题，全国各地 秉承"庆祝丰收、弘扬文化、振兴乡村"的宗旨，锚定推进乡村全面振兴、建设农业强国目标，深入学习运用"千万工程"经验，深化农村改革，突出农民主体 地位，组织开展丰富多彩的庆祝丰收活动。 金融是落实农业强国建设的重要力量。多年来，银行业金融机构紧跟国家政策导向，运用金融优惠政策，创新产品、优化服务，不断强化对"三农"和乡 村全面振兴的支持，成为推动农业增效益、农村增活力、农民增收入的重要力量。 支持乡村产业全链条升级：多策共举万象新 民以食为天。洁白饱满的大米，是人们日常饮食中不可或缺的"主角"，承载着国人的温饱。 在辽宁省辽阳市灯塔市，大米不仅是广大老百姓碗中的香糯，更是推动区域经济发展的重要支柱产业之一。从田野到餐桌，从播种到品尝，大米的"上 桌之旅"离不开金融铺就的路基。 辽宁禾谷茂源农业发展有限公司（以下简称"禾谷茂源"）是当地一家农业相关企业。年初，禾谷茂源负责人田先生一度因资金周转问题压得愁眉不展。 "化肥、农药、农机具的钱刚凑够，地租还没有着落。"站在承包的2 ...

企业发展，少不了贷款。可贷款从哪里来？可以从"数"中来。 提升融资服务的可得性精准性，数字技术是填平"信息鸿沟"的好工具。如今积极发展数字金融，就是要 连通"数据孤岛"，实现银企双赢。调研时，不少银行客户经理说，最开始接到"推荐清单"时，以为 是"摊派任务"。一走访才发现，清单上的企业确实有发展前景、有资金需求，服务效率大幅提升。现实 情况在变，企业需求在变，利用新技术更好满足客户的多样化、动态化需求，金融业才能不断开辟高质 量发展的新空间。 进一步讲，每一笔融资业务的背后，都有高质量发展的挖潜空间。比如，一家砂石开采企业曾受到行政 处罚，这个"污点"影响了后续经营。当地融资协调工作机制专班了解情况后，协调有关部门辅导企业完 成信用修复，企业得以轻装再出发。再如，针对企业反映集中的贷款到期"过桥"难题，浙江、山东等地 将落实无还本续贷政策嵌入协调工作机制，企业得以减负。进一步加强支撑保障，做好更有力度、温度 的金融服务，不断为破解经营主体融资难问题贡献新思路、新办法、新机制，金融活水才能更好浇灌高 质量发展沃土。 金融活则经济活，好政策要重落实。加强央地协同、用好数据手段、各领域汇聚合力，定能更好推动惠 企政 ...

专业赋能特色定制。该行着力锻造专业化的信贷服务队伍，通过系统化、常态化的业务技能培训与行业 研究，全面提升客户经理在产业洞察、风险评估、产品组合设计及营销谈判等方面的综合能力。同时， 大力推行"一户一策"专属金融服务方案，针对不同成长阶段、不同行业特性的企业提供差异化、定制化 的融资解决方案，结合企业技术优势和市场潜力，量身定制了包括信用贷款、供应链融资等在内的综合 金融服务方案，有效满足了企业多元化、个性化的金融需求，显著提升了金融服务的精准度与适配性， 持续增强客户黏性与满意度。 下一步，工商银行钦州分行将持续做好战略性新兴产业项目储备，加快项目推进和落地，不断拓展金融 服务的广度和深度，加大战略性新兴产业贷款投放力度，为区域经济高质量发展注入更多金融动能。 （张琳） 编辑：王晓伟 精准聚焦重点领域。该行紧密围绕节能环保、新材料、新能源等核心战略性新兴产业板块，深入研判区 域产业图谱与市场需求。通过高频次、高质量的目标客户走访营销，深度对接企业生产经营实际与发展 规划，精准识别融资需求与合作契机，确保资源投向符合政策导向、市场前景广阔的优质领域，助力企 业扩大产能。 协同联动汇聚发展。该行积极构建并优化" ...

随着企业成长和市场认可度提升，订单量逐年攀升。2024年，徐州农商银行在综合评估其经营状况和发 展前景后，提供了700万元贷款支持，有力推动了生产扩张和技术改造。同年，公司销售额成功突破 1000万元大关。 在金融活水的持续灌溉下，这家扎根乡村的小微企业正朝着更高目标稳步迈进。"今年，我们力争销售 额突破2000万元！"谈及未来，乔先生充满信心。 在江苏楚亚电气科技有限公司的生产车间内，机器轰鸣，火花飞溅。打磨机、冲孔机、激光切割车床正 全速运转，工人们熟练地操作设备，现场一片繁忙景象。 这家成立于2021年的小微企业，专注于金属结构件和机械零部件生产。公司负责人乔先生回忆道："工 厂刚落地时，采购设备、租赁场地、招募工人等处处都需要资金。徐州农商银行提供的50万元信用贷 款，及时解决了我的燃眉之急。" 对于制造业小微企业而言，资金周转是最大挑战。原材料采购需要现金支付，而产品交货后货款回收又 有账期，这个时间差常常让企业捉襟见肘。"幸亏有农商行持续支持，工厂才能正常运转，并抓住发展 机遇。"乔先生感慨道。 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Chongzuo Branch has been actively enhancing financial services for small and micro enterprises since 2025, addressing the challenges of "difficult and expensive financing" [1] Group 1: Financial Support for Small and Micro Enterprises - As of August 31, the loan balance for small and micro enterprises reached 1.552 billion yuan, an increase of 337 million yuan since the beginning of the year, significantly supporting local small and micro enterprise development [1] - The bank has established a professional financial service team to better align with the needs of enterprises, enhancing communication with government departments and small businesses [1] Group 2: Tailored Financial Solutions - The team conducts in-depth investigations to understand the operational status of clients and develops customized financing solutions based on the local economic conditions, industry characteristics, and distribution of small micro-industries [1] - The bank plans to promote policies such as "no principal repayment renewal loans" and credit loans to ensure that policy benefits reach the operating entities [1] Group 3: Future Plans and Innovations - ICBC Chongzuo Branch aims to continue exploring innovative financial products and service models to improve service quality and efficiency [1] - The goal is to provide more convenient and efficient financial services to small and micro enterprises, injecting stronger financial momentum into the region's high-quality economic development [1]

Core Viewpoint - The mechanism for supporting small and micro enterprises' financing has shown significant effectiveness in addressing the challenges of financing difficulties and high costs, leveraging a coordinated approach and adhering to financial market principles [1][2][3] Group 1: Mechanism Effectiveness - As of the end of June, the mechanism has visited over 90 million small and micro enterprises, resulting in an increase of 23.6 trillion yuan in credit for recommended entities and 1.78 trillion yuan in new loans [1] - The mechanism, established in October last year, has quickly demonstrated results by identifying key focus areas to bridge the financing gap for small and micro enterprises [1][2] Group 2: Collaborative Approach - The mechanism enhances the financial service ecosystem for small and micro enterprises through central-local collaboration, ensuring policy consistency while allowing local flexibility [1][2] - Local governments have utilized data from various departments to engage with enterprises at the grassroots level, facilitating a comprehensive understanding of their operational status and financing needs [2] Group 3: Precision in Financing - A notable 32.8% of the new loans issued under the mechanism are credit loans, indicating a shift towards reducing reliance on collateral for financing small and micro enterprises [2][3] - The mechanism aims to optimize the credit structure by directing resources towards key sectors such as foreign trade, private enterprises, technology, and consumption [2] Group 4: Data Empowerment and Policy Efficiency - The mechanism emphasizes the importance of building local credit data platforms to provide financial institutions with accurate enterprise credit information, thereby reducing financing risks [3] - Policies related to small and micro enterprises are integrated into the mechanism framework to enhance execution efficiency, including measures to address loan renewal issues [3] Group 5: Business Environment Improvement - The mechanism not only focuses on financing but also aims to improve the overall business environment for small and micro enterprises by providing support in areas such as credit repair and financial management [3][4] - The ongoing implementation of the financing coordination mechanism is expected to boost the confidence of small and micro enterprises and stimulate new momentum for high-quality development [4]

Core Viewpoint - The low-altitude economy is gaining significant attention from financial institutions, with banks actively embedding themselves into the industry chain to support its development, projected to reach a market size of 1.5 trillion yuan by 2025 and 3.5 trillion yuan by 2035 [1][19]. Group 1: Bank Involvement in Low-Altitude Economy - Multiple banks have begun to establish a presence in the low-altitude economy, which includes activities below 1,000 meters such as drone logistics, low-altitude tourism, and aircraft manufacturing [2][4]. - Banks are providing various financial support mechanisms, including credit loans, special bonds, and asset-backed plans, to facilitate funding for low-altitude manufacturing, infrastructure, and operations [4][5]. - State-owned banks are focusing on infrastructure projects, exemplified by Postal Savings Bank's rapid credit approval for a precision manufacturing company in the aerospace sector [4][5]. Group 2: Financial Products and Innovations - Policy banks are leveraging long-term funding and policy synergies, with Agricultural Development Bank approving 800 million yuan for a drone demonstration base [5][9]. - Joint-stock banks and city commercial banks emphasize service flexibility and product innovation, such as Everbright Bank's online financial products for low-altitude economy enterprises [5][11]. - Jiangsu Bank has introduced a "Low-Altitude Park Treasure" product to support the development of industrial parks in the low-altitude economy [7]. Group 3: Challenges and Opportunities - The low-altitude economy presents banks with new lending and investment opportunities, but also requires enhanced risk management capabilities due to its complexity [14][16]. - Banks are encouraged to develop innovative financing tools tailored to the characteristics of low-altitude enterprises, such as intellectual property pledges and future revenue rights [9][11]. - The evolving regulatory landscape poses challenges, as banks must navigate uncertainties while capitalizing on the growth potential of the low-altitude economy [17][18]. Group 4: Strategic Collaborations - Banks are advised to engage in partnerships with government industry funds and leading enterprises to create a multi-layered financing system [11][19]. - The integration of online and offline service models is crucial for improving efficiency and customer experience in the low-altitude economy [11][14]. - A focus on comprehensive financial support systems, including equity investments and credit services, is essential for meeting the funding needs of low-altitude startups [11][19].

Core Viewpoint - Shenzhen Special Economic Zone has achieved remarkable growth over 45 years, with significant contributions from both technology and finance sectors, exemplified by the development of Ping An Bank and its support for local tech enterprises [1][2]. Group 1: Shenzhen Economic Development - Shenzhen has 4.508 million business entities, including 25,000 national high-tech enterprises, averaging 12 per square kilometer [1]. - The city's R&D investment is projected to account for 6.46% of GDP in 2024, with PCT international patent applications leading the nation for 21 consecutive years [1]. Group 2: Ping An Bank's Role - Ping An Bank's value added in the financial sector grew from 0.16 billion yuan at the establishment of the special zone to 471.1 billion yuan in 2024 [1]. - The bank has provided significant financial support to technology enterprises, including a 20 million yuan credit loan to XWD for expansion, which later successfully listed on the Sci-Tech Innovation Board [2]. Group 3: Financial Services for Technology Enterprises - Ping An Bank's financial services for XWD represent a broader strategy of "relay financing" to support the entire lifecycle of tech enterprises [3]. - The bank has provided 600 billion yuan in credit support to a specific new energy vehicle company, facilitating financing for approximately 700 downstream dealers [3]. Group 4: Organizational and Product Innovation - Ping An Bank has established a Technology Finance Center to address the needs of tech enterprises at various stages, creating a comprehensive financial service system [4]. - The bank has developed innovative products like "Tengfei Loan" and "Listing Loan" to cater to the high-growth characteristics of tech companies [5]. Group 5: Financial Performance Indicators - As of June, Ping An Bank's corporate deposit balance reached 2.37 trillion yuan, with corporate loan balance at 1.68 trillion yuan [6]. - The bank issued 239.77 billion yuan in new loans to foundational industries and 123.82 billion yuan to emerging industries in the first half of the year [6].