精准对接，锚定需求痛点 （来源：湖南金融） 在中国人民银行湖南省分行持续引导金融机构加大普惠小微领域信贷支持的政策导向下，中国民生银行长沙分行秉持"快字当头、实字托底"的服务理念， 为某服装品牌湖南区域14家经销商精准审批信用贷款近2000万元，高效满足小微企业旺季备货的资金需求，以有温度、有速度的金融服务为实体经济注入 强劲动能，生动诠释了该行深耕普惠金融的责任担当与主动作为。 今年初，民生银行创新推出"某品牌经销商民生快贷"专项项目，为该服装品牌全国经销商提供定制化融资支持。获悉这一消息后，中国民生银行长沙分行 第一时间迅速组建专业服务团队主动走访该品牌湖南分公司，通过深度座谈全面掌握湖南区域经销商的融资诉求与经营痛点——这类贸易型小微企业普遍 缺乏合规足值抵质押物，传统融资渠道受限；同时旺季备货资金需求呈现"短、快、频、急"特征，传统线下授信审批流程难以匹配。"民生银行的服务团 队务实专业，不仅带来了贴合行业特点的创新融资方案，更结合湖南市场实际给出定制化服务建议，让我们感受到满满的诚意。"该品牌湖南分公司负责 人对该行的主动服务给予高度认可。 （来源：湖南金融） 高效审批，破解融资难题 针对经销商融资 ...

作为浙江民营企业的"成长伙伴"，民生银行杭州分行通过创新融资产品、加大金融供给、优化便利服务 等措施，与民营经济双向奔赴。截至11月末，民生银行杭州分行民营贷款余额突破1120亿元。 在电商之都杭州，直播经济浪潮奔涌。民生银行杭州分行扎根于此，将创新服务深度融入这一新兴领 域。直播电商行业资金流转频繁，在高频次直播交易中面临收款确认滞后、记录不及时等突出痛点。为 精准服务杭州某头部电商直播机构，该行仅用15天成功为企业搭建起自动化收款管理体系。该系统精准 匹配企业快速迭代的业务节奏，打通主流直播平台与企业ERP系统，构建起"技术开发+运维支持+资金 规划"的全周期服务体系。上线首周就高效落地了多笔直播交易收款，并成功为5.3万家合作供应商配置 专属子账户，形成高效资金管理闭环。 转自：新华财经 在跨境贸易领域，该行依托外汇局"跨境金融服务平台"的数据，创新推出全流程线上化产品"出口e 融"，实现从申请到放款的全流程线上化操作。该产品显著提升企业融资效率，助力浙江的外贸企业破 解资金难题，为拓展海外市场注入强劲动力。 在嘉兴制造业集聚区，针对纺织企业库存和应收账款占用资金较多问题，民生银行创新推出"应收账款 融 ...

Core Viewpoint - Minsheng Bank has been committed to serving the public and enhancing financial services for nearly 30 years, focusing on high-quality development of the real economy through financial innovation [1] Group 1: Financial Innovation and Services - The bank has actively responded to national policies aimed at stabilizing foreign trade by enhancing innovative services for foreign trade enterprises [1] - Minsheng Bank successfully utilized the innovative financial product "Export e-loan" to assist a small and micro export manufacturing enterprise in Qingdao, Shandong Province, in overcoming cash flow difficulties [1][2] - The "Export e-loan" product is a pure credit, fully online financing service designed for export enterprises, allowing them to apply for credit limits online and withdraw funds quickly after completing customs clearance [1][2] Group 2: Product Features and Benefits - The enterprise received an online credit limit approval of 2 million yuan and an additional 400,000 yuan for financial derivatives to hedge against foreign exchange risks within two hours of applying for the "Export e-loan" [2] - The product addresses the common issue of credit difficulties faced by small and micro enterprises due to lack of collateral, utilizing big data models based on past export payment records for quick approval [2] - Since its launch in 2023, the "Export e-loan" product has evolved to include additional financing options, expanding its service radius and increasing the maximum credit limit for export letters of credit to 10 million yuan [2]

Core Viewpoint - During the "14th Five-Year Plan" period, the complex international situation has prompted the banking industry in China to actively pursue transformation and high-quality development, with a focus on reform and innovation to enhance operational vitality [1]. Financial Performance - In the first half of the year, the bank achieved operating income of 72.384 billion yuan, an increase of 5.257 billion yuan, or 7.83% year-on-year [2]. - The net interest margin stood at 1.39%, up by 1 basis point year-on-year, supported by improved funding costs and growth in interest-earning assets [2]. - Non-interest income reached 23.181 billion yuan, a year-on-year increase of 4.636 billion yuan, or 25%, accounting for 32.03% of total operating income, up by 4.40 percentage points [3]. Business Strategy - The bank emphasizes a customer-centric approach, enhancing financial asset management and promoting non-interest income growth through transaction banking and investment trading [3]. - The bank is committed to optimizing its asset-liability structure and improving management levels to maintain stable net interest margins [2]. Risk Management - The bank has strengthened its risk preference transmission and improved its internal control management system, focusing on coordinated development of scale, structure, quality, efficiency, and safety [4]. - It has implemented proactive risk prevention measures and increased efforts in recovering non-performing assets to maintain overall asset quality stability [4]. Cross-Border Financial Services - The bank has developed a digitalized cross-border service ecosystem, offering solutions like "instant account crediting" and "integrated collection and payment" to enhance efficiency for export enterprises [7]. - In the first half of the year, the bank served over 24,000 small and micro foreign trade enterprises, a year-on-year increase of 12.49%, addressing diverse financial needs in the new foreign trade landscape [7]. Future Outlook - The bank aims to maintain strategic focus, deepen customer-centric operations, and avoid "involution" competition, while reinforcing customer management and optimizing asset-liability management to drive sustainable high-quality development [7].