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从“融资难”到“出海易”:浙江小微企业成长的普惠动能
Nan Fang Du Shi Bao· 2025-08-06 00:13
小微企业仍面临"信用白户"、市场波动等问题 7月31日,巴基斯坦外商阿里卡姆兰在浙江义乌拿到了自己新公司的营业执照,这是义乌第10000户外资 经营主体营业执照。据相关报道,经国家市场监管总局确认,义乌成为全国首个外资经营主体破万的县 级市。 对上万外商产生强大吸引力的,是义乌"世界超市"的浓厚商贸氛围。在诺大的义乌国际商贸城里,拥有 7.5万个商铺,各类中国制造产品通过这里数以万计的中外小商户之手,不断发往全世界上百个国家。 有人这样描述:"在这里每个摊位逗留3分钟,每天逛8小时,逛完这个市场,都要花上1年零5个月。" 小微企业的繁荣,离不开普惠金融广洒"活水"。近年来,我国针对小微企业发展的共性金融需求和面临 的共同难题,持续引导强化银行机构普惠金融支持力度。 "浙江每千人就有56个老板,杭州、金华、宁波、温州四地民营企业最多。"据浙江省民营企业发展联合 会日前发布的《2024年浙江省民营企业发展简报》,截至2024年底,浙江全省民营企业在册总量350.53 万户,其中116.43万户民营企业从事批发和零售业。可以说,民营小微企业的活跃发展,是浙江经济腾 飞的重要底色。 日前,南方都市报社、湾财社携手中国 ...
DeepSeeK盘点的五家特色化城商行:藏着哪些发展启示
Core Viewpoint - Domestic city commercial banks are facing survival challenges due to the dual impact of interest rate marketization and intensified competition, but some have successfully differentiated themselves through innovative products and strategies [1][2]. Group 1: Characteristics of Leading City Commercial Banks - The five city commercial banks identified as the most distinctive by DeepSeek include Ningbo Bank, Dalian Bank, Jiujiang Bank, Jiangsu Bank, and Zhejiang Chouzhou Bank, each leveraging unique advantages to stand out in the industry [1][2]. - Ningbo Bank has achieved significant success in inclusive finance, with its inclusive small and micro loan balance reaching 219.941 billion yuan by the end of 2024, serving over 270,000 clients with a non-performing loan ratio of only 1.70%, significantly better than the industry average [2][3]. Group 2: Regional Economic Support - City commercial banks are deeply integrated with regional economic development, providing essential services that stimulate local economies and support structural optimization [2][5]. - Jiujiang Bank has focused on rural revitalization, offering customized financial services based on local agricultural products, such as the "Tea Fragrance Loan" which provided 13 million yuan to 33 enterprises and individuals in the tea industry [4]. Group 3: Technological Innovation and Financial Services - Technological innovation is crucial for city commercial banks, enabling them to restructure service models and product systems while enhancing risk management capabilities [5][6]. - Ningbo Bank's "Bobo Zhiliao" platform exemplifies a comprehensive service platform that addresses the full lifecycle needs of enterprises, offering services in legal, tax, and accounting areas [5][6]. - Jiangsu Bank has developed the "Smart Xiao Su" language model for risk control, improving efficiency and accuracy in risk management with over 4,000 applicable rules [6]. Group 4: Future Outlook - The selected city commercial banks are expected to leverage their unique advantages to further align with regional economic development, transitioning from homogeneous competition to a diverse and flourishing stage [7].
金融科技破浪出海 综合服务硬核护航
Sou Hu Cai Jing· 2025-07-03 00:26
Core Viewpoint - Ningbo Bank has developed an integrated service system of "financing + intelligence" to address the transformation challenges faced by cross-border e-commerce enterprises, particularly in the context of the evolving global trade landscape [2][4]. Group 1: Industry Context - Cross-border e-commerce has transitioned from a "new business model" to a "new normal," becoming a significant driver of economic growth, especially in Shenzhen, which is projected to exceed 300 billion yuan in cross-border e-commerce import and export volume by 2024 [4]. - As the initial advantages of rapid growth diminish, cross-border e-commerce sellers are now required to focus on brand building and global expansion, facing challenges such as compliance with overseas intellectual property laws and navigating complex international financial environments [4][5]. Group 2: Challenges Faced by Enterprises - The shift from a "stocking" model to brand-oriented operations presents new challenges, including compliance risks related to intellectual property, which can lead to severe consequences such as product delisting and legal disputes [5]. - Marketing challenges arise from high traffic costs and the need for effective brand outreach, with traditional marketing methods becoming less effective and new social media strategies facing difficulties in execution [5][6]. - Financial management issues are prevalent, with cross-border e-commerce businesses often facing high inventory financing needs, long payment recovery cycles, and significant foreign exchange risks [6]. Group 3: Ningbo Bank's Solutions - Ningbo Bank has integrated financial and non-financial services to provide a comprehensive solution for cross-border e-commerce enterprises, focusing on both "financing" and "intelligence" [7]. - The "Bobo Zhiliao" platform offers services such as risk detection for intellectual property and marketing support, enabling businesses to mitigate risks and enhance their marketing effectiveness [7][8]. - The bank has introduced innovative financing products like "Export Extreme Loan," allowing businesses to access up to $2 million in credit through a fully online process, addressing the urgent cash flow needs of e-commerce enterprises [8]. Group 4: Ecosystem Development - Ningbo Bank aims to create a "tropical rainforest" service ecosystem that combines online and offline resources, as well as financial and non-financial services, to support cross-border e-commerce enterprises [9]. - The bank has facilitated over $2 billion in cross-border settlement services for more than 200 e-commerce companies in Shenzhen, establishing itself as a reliable financial partner in the region [10]. - By organizing various events and workshops, the bank provides valuable insights into policies and practices relevant to cross-border trade, fostering collaboration and knowledge sharing among enterprises [10].
助力中资企业出海“行稳致远” 宁波银行构建全方位跨境金融服务体系“添翼赋能”
Jing Ji Guan Cha Wang· 2025-06-30 05:09
Group 1 - Shenzhen Kolaide Electronics Co., Ltd. specializes in the research, development, production, and sales of in-vehicle smart multimedia players, with an annual export volume reaching approximately 30 million USD [2] - The company faced challenges in cross-border payment efficiency, foreign exchange operations, and risk management as its foreign trade business continued to grow [2] - Ningbo Bank Shenzhen Branch provided a smart cross-border financial platform that enabled Kolaide to access real-time order, logistics, and fund flow information, enhancing their financial service experience [2] Group 2 - Ningbo Bank has been actively responding to national policy directions and has created a one-stop comprehensive service platform called "Bobo Zhiliao" to support Chinese enterprises in their overseas expansion [3] - The platform offers various financial services, including cross-border fund settlement, currency exchange, and risk management, to enhance the quality of cross-border financial services [3][6] - The bank aims to empower Chinese enterprises to achieve multiple benefits such as increasing revenue, saving costs, and managing funds effectively [3] Group 3 - The "Overseas Customer Assistant" feature of the "Bobo Zhiliao" platform helps Chinese enterprises quickly identify potential overseas customers and understand competitive dynamics [9][10] - This tool has successfully connected companies with overseas clients, leading to significant new orders and facilitating market expansion [10] - The platform has integrated compliance data from over 200 countries, providing tailored functionalities for Chinese enterprises to gain insights into global trade [9] Group 4 - Ningbo Bank has introduced specialized services for cross-border e-commerce, including product infringement detection and comprehensive market analysis reports [11] - These services help enterprises avoid economic losses from infringement issues and provide insights into consumer preferences and market trends [11][12] - The bank is committed to building a comprehensive ecosystem for cross-border e-commerce, facilitating communication and collaboration among industry players [12] Group 5 - As of April 10, 2025, Ningbo Bank will celebrate its 28th anniversary, marking a new starting point for deepening the application of digital financial platforms [12] - The bank aims to support Chinese enterprises in their global market endeavors by focusing on high-quality development and integrating finance with industry [12]