作为粤港澳大湾区的民生保障"大动脉"，广州农批市场承载着千万市民的"菜篮子"供给重任。然而，传 统农批商户"经营散、融资难"的痛点长期制约行业发展。近日，兴业银行广州分行依托智慧农批系统与 专属融资产品"兴速贷"，以"科技+金融"双轮驱动破局，既为商户纾困解难，更助力广州农批行业迈向 智慧化转型新阶段，为普惠金融注入鲜活动能。 科技筑链破痛点 "金融活水"精准滴灌 扎根湾区核心，践行普惠使命。 兴业银行广州分行紧紧围绕广州市"百千万工程"金融部署及乡村振兴政策导向，将服务触角延伸至农批 市场的每一个摊位。数据显示，截至2025年9月末，该行普惠金融贷款余额已超460亿元，累计服务广州 地区普惠有贷户超万户，其中农批及涉农相关商户占比持续攀升，金融支持力度可见一斑。 农批市场是广州民生保障与农产品流通的"生命线"，从江南果菜市场的生鲜集散到各区农贸市场的便民 供应，活跃其中的多为中小微企业或个体工商户。长期以来，这些商户深受"收款方式杂、经营数据 散"的运营困扰，加之缺乏固定资产抵押，融资需求屡屡被"卡脖子"。 在江南果菜市场，某生鲜批发商户已率先享受到这份便利。通过智慧农批系统线上申请兴速贷后，该商 户当日即 ...

转自：新华财经 金融特派员以"驻点+走访"模式实时响应企业诉求，量身定制专属金融解决方案；依托"兴速贷"等数字 化平台，为园区内高新技术、生物医药、智能制造等领域企业提供精准信贷支持，精准匹配研发与经营 资金需求；整合开户咨询、材料受理、业务办理等全流程环节，推出"一站式"服务，提升服务效率；应 园区方邀请联合产品部门开展专场宣讲，专业解读公司业务、普惠信贷等政策要点并现场答疑解惑，助 力企业用足用好金融支持政策；拓展多元化个人金融服务场景，定期开展金融知识普及活动，重点讲解 反诈防骗等内容，守护好人民群众的"钱袋子"。（宋红蕊） 编辑：穆皓 据悉，哈尔滨新区产业园区运营服务有限公司作为哈尔滨新区产业发展的重要载体，管理运营园区总面 积超300万平方米，涵盖科技创新城、国际生物谷、智能制造产业园、数字经济产业园等特色园区，在 集聚产业资源、培育新兴业态、推动区域经济升级中发挥着关键作用。此次驻点是兴业银行哈尔滨分行 在国有园区运营平台拓展金融服务阵地的又一重要举措，是该行深化"政银园企"协同机制的重要实践。 为持续深化"金融特派员"服务模式，兴业银行哈尔滨平房支行围绕园区企业全生命周期发展需求，量身 打造全方 ...

下一步，自治区党委金融办将持续发挥好统筹协调作用，加强金融机构工作调度和跟踪问效，引导金融 资源投向重点领域，接续实施"六个工程"、组织开展"六个行动"，全力以赴为推动全区经济社会高质量 发展提供坚实的金融支撑。（杨启） 编辑：姜楠 转自：新华财经 2025年以来，为了落实好自治区政府工作报告关于一张蓝图绘到底，接续实施"六个工程"任务安排，自 治区党委金融办积极持续引导全区金融机构用好金融政策和金融工具，继续全力支持"六个工程"落地实 施。 兴业银行呼和浩特分行充分发挥金融对实体经济的推动作用，全力保障"六个工程"建设。在保障政策落 地工程方面，落实总行"绿色银行"发展战略，提供绿色金融"融资+融智""金融+非金融"的综合服务，促 进绿色产业交流，截至10月末，我行绿色贷款余额141.13亿，较年初新增27.01亿。在保障防沙治沙和风 电光伏一体化工程方面，主动参与荒漠化综合防治、"三北"工程建设、防沙治沙风光一体化等项目，本 年1-10月，为巴彦淖尔市杭锦后旗30万千瓦光伏项目在2024年投放5亿元的基础上，再次投放4.24亿 元。在保障温暖工程方面，为燃热集团提供流动资金贷款，为企业降本增效，截至202 ...

Core Viewpoint - The establishment of a financial liaison station by Industrial Bank in Harbin Comprehensive Bonded Zone aims to enhance financial services for local enterprises, facilitating their high-quality development [1][3]. Group 1: Financial Services Initiatives - Financial liaisons are actively engaging with enterprises, providing tailored services to meet specific needs, thereby addressing the "last mile" of financial service delivery [1][2]. - The bank employs a "stationed + visiting" service model, ensuring direct interaction with businesses to understand and respond to their financial requirements [2]. - A combination of online and offline services is implemented, offering one-stop solutions for account opening, consultation, and document processing, which minimizes the need for enterprises to make multiple trips [2]. Group 2: Policy Promotion and Education - Financial liaisons serve as policy promoters, delivering on-site explanations of cross-border trade, supply chain management, and other relevant financial policies to enterprises [2]. - Customized financial service plans are developed in collaboration with the bank's professional teams, addressing common concerns such as cross-border fund turnover efficiency and export tax refund account management [2]. - Regular financial literacy training sessions are organized, focusing on topics like fraud prevention and exchange rate risk management to safeguard enterprise funds [2]. Group 3: Strategic Collaboration - The Harbin Comprehensive Bonded Zone, established in 2016, serves as a modern logistics center and a platform for outward economic development, enhancing the region's economic capabilities [3]. - A comprehensive strategic cooperation agreement has been signed between Industrial Bank Harbin Branch and the Harbin Comprehensive Bonded Zone to strengthen collaboration and support regional development [3].

Core Insights - Industrial Bank's Hefei branch has successfully completed a system integration with the provincial financing credit service platform, enhancing financial service capabilities for technology enterprises and injecting new financial momentum into the real economy [1] Financial Services Development - The Hefei branch quickly responded to a loan application from a local rice company, utilizing a comprehensive assessment based on various credit information dimensions and issued a credit loan of 2 million yuan to meet the company's financing needs [1] Future Initiatives - The Hefei branch plans to continue promoting innovation in financial products and service models, aligning with regional technological innovation development and leveraging both national and regional credit information platforms to provide efficient financing support for more enterprises [1]

Core Insights - The article highlights the challenges faced by small and micro enterprises in financing, specifically issues of difficulty, high costs, and slow processes [1] - It discusses the proactive measures taken by Industrial Bank's Urumqi branch to support small and micro enterprises in Xinjiang through a coordinated financing mechanism [1][4] Group 1: Financing Challenges and Solutions - Small and micro enterprises are crucial to regional economic vitality and face significant financing challenges [1] - Industrial Bank's Urumqi branch has initiated a financial service practice focused on "precise empowerment and collaborative efficiency" to address these challenges [1] - The bank has established a team of "financial special commissioners" to provide tailored financial services that meet the specific needs of enterprises [1][4] Group 2: Case Studies and Impact - A case study is presented where a specialized small enterprise in the IoT sector received a loan of 9.58 million yuan to upgrade equipment, showcasing the effectiveness of the bank's financial special commissioner mechanism [2] - The bank has implemented a "one county, one industry, one policy" approach to support local agricultural industries, such as the tomato sector, by providing customized financing solutions [3] - Over the past year, the Urumqi branch has provided credit support exceeding 10 billion yuan to over 1,000 small and micro enterprises, leading in the implementation of the financing coordination mechanism among Xinjiang's joint-stock banks [4]

Core Insights - The article highlights the proactive measures taken by Industrial Bank's Urumqi branch to address the financing challenges faced by small and micro enterprises in Xinjiang, emphasizing the importance of these businesses in regional economic vitality and livelihood [1] Group 1: Financing Challenges and Solutions - Small and micro enterprises in Xinjiang face significant challenges such as "difficult, expensive, and slow" financing, which restricts their development [1] - The Urumqi branch of Industrial Bank has initiated a financial service practice centered on "precise empowerment and collaborative efficiency" to provide sustainable financial support to these enterprises [1] Group 2: Tailored Financial Services - The bank has integrated national policies with local industry characteristics and development needs by establishing a specialized team of "financial commissioners" to provide targeted services [1] - A case study illustrates the bank's success in providing a 9.58 million yuan loan to a technology-focused small giant enterprise in Karamay, showcasing the effectiveness of the "financial commissioner" mechanism [2] Group 3: Industry-Specific Strategies - The bank has implemented a "one county, one industry, one policy" approach to support local特色产业, such as the tomato industry, by customizing financing solutions based on comprehensive research [3] - The bank's tailored financing services have significantly alleviated the financial pressures faced by enterprises in the tomato supply chain, enhancing their operational confidence [3] Group 4: Impact and Future Directions - Over the past year, the Urumqi branch has provided credit support exceeding 10 billion yuan to over 1,000 small and micro enterprises, leading the effectiveness of the financing coordination mechanism among joint-stock banks in Xinjiang [4] - The bank plans to deepen "government-bank-enterprise" collaboration and upgrade its inclusive service system to further support the sustainable development of small and micro enterprises in the region [4]

Core Insights - The "Chuangxiang Youth Star Yao Yunling" innovation and entrepreneurship exchange event was held in Kunming, focusing on financing connections for youth [1][2] - Industrial Bank's Kunming branch emphasizes support for youth entrepreneurship and technological innovation as a key service area [1] Group 1: Financial Services and Products - Industrial Bank's Kunming branch engaged with over 100 young entrepreneurs, providing customized solutions to address financing challenges [1] - The bank utilizes a "technology flow" credit evaluation system to assess the innovative value of enterprises, moving beyond traditional "funds flow" evaluations [1] - Key products promoted include "Xing Su Loan" and "Xingye Inclusive Loan," offering credit limits from 2 million to 10 million yuan without traditional collateral [1] Group 2: Strategic Goals and Collaborations - The bank aims to enhance collaboration with the Youth League of Yunnan Province and the Yunnan Financial Youth Work Committee to integrate policy resources [2] - By 2025, the Kunming branch's loans to small and medium-sized technology enterprises are projected to exceed 2.3 billion yuan, positioning it as a leader among local joint-stock banks [2] - The focus is on creating a comprehensive ecosystem that combines financial and non-financial services to effectively support youth entrepreneurs [2]

Core Viewpoint - The Industrial Bank's Linyi Branch is actively promoting technology finance business by integrating technology, industry, and finance, aiming to support local technological innovation and economic development [1][3]. Group 1: Technology Loan Growth - As of the end of Q3 2025, the balance of technology loans reached 3.805 billion yuan, a 43% increase from the beginning of the year [1]. - The number of specialized and innovative enterprises served has increased to 94, covering key industries such as high-end equipment manufacturing, new materials, pharmaceuticals, and electronic information [1]. Group 2: Financial Product Innovation - The bank has developed a full lifecycle product system tailored to enterprise needs, including "High-tech Talent Startup Loans" for startups and "R&D Loans" for growth-stage companies [2]. - The "Xing Su Loan" product has provided over 150 million yuan in loans to 17 local specialized and innovative enterprises, including a 10 million yuan loan to a provincial-level enterprise in the baking sector [2]. Group 3: Collaboration and Policy Support - The bank has established communication mechanisms with local government departments and actively participates in platforms like the "Yimeng Financial Salon" to enhance policy coordination and enterprise services [3]. - The bank aims to position "Technology Finance" as its fourth brand identity, following "Green Bank," "Wealth Bank," and "Investment Bank," while continuously improving its service capabilities for innovative enterprises [3].

Group 1 - The article highlights the challenges faced by small and micro enterprises, particularly the issue of sudden order increases leading to cash flow shortages [1] - Xiamen Bank's rapid response in providing a 10 million yuan credit loan to a medical technology company demonstrates the effectiveness of their online loan product "Xing Su Dai" designed for small businesses [1] - Since the beginning of the year, Xiamen Bank has issued loans totaling 460 million yuan to over 130 local small and micro enterprises, aiding their market opportunities and stable development [1] Group 2 - Hydrogen energy is identified as a key component of the future national energy system and a strategic emerging industry in Xiamen's modern industrial framework [3] - Luyuan Hydrogen (Xiamen) Technology Co., Ltd. has developed over 80 core patents and achieved international leading technology in proton exchange membrane (PEM) hydrogen production equipment [3][5] - Xiamen Bank provided comprehensive financial support to Luyuan Hydrogen, including a 5 million yuan credit loan during its startup phase, facilitating its growth [3] Group 3 - As Luyuan Hydrogen expanded, Xiamen Bank approved a 40 million yuan credit limit for factory upgrades and research and development investments [4] - The company has established a production line with an annual capacity of 1 GW, corresponding to a production value of 2 billion yuan, positioning itself as a leading global hydrogen solution provider [5] - By the end of September, Xiamen Bank's technology finance loan balance exceeded 22 billion yuan, with over 7 billion yuan allocated to small technology enterprises [5] Group 4 - Xiamen Bank has launched personal operating loans for individual businesses, offering up to 1 million yuan without collateral, which has been well-received by small business owners [6] - The bank has also introduced a "Technology Talent Loan" service for high-level talents, providing credit loans up to 5 million yuan for entrepreneurial or technology transformation purposes [6] - By the end of September, Xiamen Bank had issued over 70 million yuan in personal operating loans, supporting the local economy [6] Group 5 - Xiamen Bank has developed a diverse range of inclusive financial products, including "Xing Su Dai," "Ke Xin Dai," and "Zeng Xin Dai," to meet the financing needs of small and micro enterprises [7] - The bank aims to create a high-quality development model for inclusive finance, effectively serving the local real economy and promoting the growth of inclusive finance [7]