作为首都支农支小金融主力军，北京农商银行深入贯彻中央金融工作会议做好"五篇大文章"要求， 以"产品创新+数智转型"双轮驱动，以"场景延伸+服务升级"多点发力，构建全方位普惠金融服务体系， 为小微企业、个体工商户等市场主体注入金融活水，精准赋能首都实体经济高质量发展。 在科技金融赛道，该行精准对接科创型小微企业需求，以知识产权价值和交易数据为支撑，快速研 发"科创智贷"产品，3个月即完成产品上线，截至2025年末累计审批通过30户、2.25亿元，放款24户、 1.44亿元，为科技型小微企业搭建起高效融资通道。 机制保障强支撑，银担合作聚合力。该行强化普惠金融顶层设计，制定年度重点任务，出台专项考核与 激励政策，开展专项营销竞赛，激发全员服务积极性。深化与市属担保公司合作，推进银担"总对总"模 式落地，与市农担公司"见担即贷"业务累计投放规模和增幅位居北京市同业第一，以风险共担机制为小 微企业增信赋能。 在线上产品迭代方面，北京农商银行联合人民银行、金融大数据联合实验室等机构，推进"农商e信 通"产品模型升级，新增发票、流水、社保等多维数据入模，同步优化"凤凰e商通"2.0版本，推出"商户e 融""餐饮e融"特色 ...

Core Viewpoint - The article emphasizes the importance of financial support for the innovation and development of traditional Chinese brands, known as "laozihao," highlighting their cultural significance and market potential in the context of consumer upgrades [1][2]. Group 1: Financial Support and Policies - The Chinese government has implemented various policies to support the innovation and development of laozihao enterprises, including opinions from multiple departments and local action plans [2]. - Financial institutions are encouraged to provide tailored financial support to meet the diverse needs of laozihao enterprises, focusing on both well-performing companies and those facing temporary difficulties [2][3]. - As of November 2024, there are 274 laozihao enterprises in Beijing, with small and micro enterprises making up about two-thirds of this number, indicating a significant need for innovative financial products to address their financing challenges [2]. Group 2: Innovative Financial Products and Services - Financial institutions are developing specialized products for laozihao enterprises, such as credit loans based on daily operating cash flow and loans secured by intellectual property rights [6][7]. - Beijing Rural Commercial Bank has established partnerships with 134 laozihao enterprises, providing credit support totaling 6.04 billion yuan, with a credit balance of 2.84 billion yuan [5]. - Customized services, such as fee reductions and early predictions of funding needs during holidays, are being offered to lower financing costs and repayment pressures for laozihao enterprises [7]. Group 3: Enhancing Consumer Engagement and Market Presence - Financial institutions are leveraging online platforms to increase the visibility of laozihao brands, facilitating marketing collaborations and enhancing consumer experiences [5][6]. - The article highlights the need for laozihao enterprises to innovate their business models and connect with new consumer groups, emphasizing the importance of cultural experience and community engagement in modern consumption [4][5]. - Financial support for laozihao is seen as a means to stimulate consumption, expand domestic demand, and create new economic growth points [5][8]. Group 4: Future Directions and Recommendations - Experts suggest that technology should play a crucial role in enhancing financial products and services for laozihao, advocating for the use of big data and AI to create credit profiles for these enterprises [8]. - There is a call for government and relevant departments to strengthen policy guidance and risk compensation to encourage financial institutions to increase their support for laozihao [8].