以学增智，激发金融强国"深层力量" 中国特色金融文化是金融强国建设的重要支撑，对于实现金融高质量发展具有重要意义。2024年以来， 建行山东省分行培育和弘扬中国特色金融文化作为实现高质量发展的重要保障，持续深化全行上下 对"五要五不"深刻内涵的理解和把握，将培育中国特色金融文化融入党的建设和经营发展等，持续激发 金融强国"深层力量"。 制度建设方面，研究制定《山东省分行学习宣传张富清同志先进事迹 传承红色基因 培育和弘扬中国特 色金融文化的实施方案》《中国建设银行山东省分行党委理论学习中心组学习管理实施细则》等一系列 工作方案和配档表，与"十四五"时期企业文化建设、新时代廉洁文化建设以及相关领域专项治理等工作 紧密衔接、一体推进。 工作推进方面，大力开展"五个一"宣教活动，通过打造1面"宣传文化墙"、举办1场主题报告、组织1次 研讨交流活动、响应1个倡议、组织1项特色活动，有效调动全行上下培育弘扬中国特色金融文化积极 性，通过多轮次、多形式、多渠道、多层级的宣教达到全覆盖。例如，通过建立企业门户网站专栏和全 行统一线下宣传渠道，打造一面"线上+线下"宣传文化墙，先后制作布放"贯彻落实中央金融工作会议精 神"系 ...

● 本报记者 石诗语 近年来，多家银行坚持党建引领，推动党建与业务深度融合，深刻把握金融工作的政治性、人民性。始 终牢记使命，奋力做好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"，将党的建 设深度融入公司治理、经营发展、人才培养等方面。胸怀"国之大者"，聚焦主责主业，不断优化金融供 给，助力经济社会高质量发展。 服务实体经济 近年来，多家银行聚焦重点领域，服务现代化产业体系建设，坚持把金融服务实体经济作为根本宗旨， 扎实做好"五篇大文章"，助力经济运行持续向好，用足用好货币政策工具和一揽子金融政策，抓紧抓实 政策机遇，确保党中央重大决策部署在银行业落实落地。 例如，工商银行相关负责人向记者介绍，该行深入贯彻落实党中央、国务院决策部署，持续加大小微企 业融资支持力度，积极运用金融科技赋能，加快推进普惠金融数字化转型，畅通融资渠道，进一步提升 金融服务的可得性、便利性。该行上海分行成功推动"经营快贷"产品入驻上海市虹口区信易贷平台，支 持客户通过微信小程序、H5页面、二维码扫码等多种方式办理普惠贷款，提升客户融资体验。 又如，农业银行紧紧围绕党中央全面推进美丽中国建设的部署，聚焦美丽中国先行区建 ...

在创新驱动发展的时代浪潮中，科创企业如同破土而出的幼苗，既需要金融"活水"的精准滴灌，更需要 全生命周期的悉心呵护。建设银行江苏省分行以"商投行一体化"战略为笔，以金融创新为墨，在科创企 业的成长画卷上勾勒出一条从初创到腾飞的完整轨迹。 建设银行江苏省分行通过系统化推进"商投行一体化"服务，打造股权机构合作库、科创企业项目库、综 合服务产品库及一体化服务平台，以"三库一平台"体系为科创企业提供全生命周期、全资产负债表的综 合化服务，以金融之力托举科创企业跨越"死亡之谷"，在高质量发展的征程中破浪前行。 精准滴灌培育创新火苗 内外联动构建科创企业成长沃土 建设银行江苏省分行通过打造股权机构合作库，持续深化内外联动，加强商业银行与创投机构、产业龙 头、科研院所等九类机构合作，为企业搭建撮合、交流、共享的合作平台，形成江苏区域股权合作生态 圈，汇聚各类投资偏好的机构资源，满足科创企业全生命周期融资需求。特别是初创期企业处于发展起 步阶段，对于股权融资、直接融资的需求更为迫切，通过构建股权机构合作库，建设银行江苏省分行进 一步丰富、扩充服务场景，引导股权资源投早、投小、投硬科技，加大耐心资本、长期资本的服务供 给。 ...

来源：环球网 人民日报记者 杨彦帆 来到武汉"光谷"，最能感受科技创新的强劲动力。 在湖北武汉驿路通科技股份有限公司的无尘车间，技术人员正在对硅光芯片进行测试。这条驿路通去年 8月投产的硅光引擎产线，可实现月加工硅光引擎10万支以上。 "从贷款审批到投放，仅用了7个工作日。"武汉鼎业安环科技集团有限公司总经办主任程则袁告诉记 者。他所说的贷款是建行推出的"善新贷"。据了解，建行武汉光谷自贸区分行为他们公司提供了1000万 额度"善新贷"，有助于进一步加大技术研发投入。 驿路通生产车间内，工作人员在进行装配工作。王剑 摄 光模块和硅光引擎是光通信的基石，通过光电转换与信号处理，支撑了数据中心到通信基站的各类高速 网络建设。驿路通是一家全球芯片集成科技的关键元件供应商，也是一家国家级专精特新"小巨人"企 业。 "随着AI和算力的发展，我们的产能不断扩大，需要投入更多高精度设备，资金压力大。"武汉驿路通科 技股份有限公司总经理张祥波说，"这条硅光引擎产线的投产，得益于建行武汉光谷自贸区分行为我们 提供的设备更新改造贷款，有了这笔资金，公司加速推进产线智能化升级。" 工作人员在驿路通研发中心对自研器件进行性能测试。王 ...

Group 1 - China Construction Bank provided over 450 million yuan in loans to Zhangzhou Qibin Photovoltaic New Energy Technology Co., Ltd. to support project construction [2] - The 20th National Congress of the Communist Party proposed building a financial system that aligns with technological innovation [3] - The Ministry of Science and Technology and other departments issued policies to enhance financial support for major technological tasks and small and medium-sized technology enterprises [3] Group 2 - Financial capital is crucial for supporting high-level technological self-reliance and innovation [4] - The growth rate of loans to technology-based small and medium-sized enterprises significantly outpaced overall loan growth, with expected year-on-year increases of 21.2% and 13.0% for technology-based SMEs and "specialized, refined, distinctive, and innovative" enterprises, respectively [5] - The cumulative issuance of science and technology bonds reached 1.2 trillion yuan, with a 64% year-on-year increase in 2024 [5] Group 3 - The "Several Measures" aim to improve the top-level design of the technology finance system by enhancing policy frameworks, optimizing market mechanisms, and promoting financial technology innovation [7][8] - The measures cover all aspects of financial support for technology innovation, integrating venture capital, bank credit, capital markets, and insurance [8] - The establishment of a "technology board" in the bond market is a novel approach to support technology enterprises [9] Group 4 - The financial system in China has advantages such as a mature financial market, strong industrial chain foundation, and robust research and development capabilities [16][17] - The multi-tiered financial support system includes various financial markets and institutions that can meet the financing needs of technology innovation [17] - The introduction of long-term capital from social security funds and insurance capital will enhance the supply of patient capital for technology finance [18]

Group 1 - The core initiative is the "Thousand Enterprises and Ten Thousand Households Visit" campaign launched in Futian District to enhance financial services for small and micro enterprises, addressing their financing difficulties [1] - Since the campaign's launch in October 2024, the financial service team has visited 25,000 enterprises, granting credit to 7,200 of them, with a total credit amount of 75 billion yuan and loans exceeding 31 billion yuan [1] Group 2 - Customized financial service solutions have been developed to address specific financing challenges faced by enterprises, such as a company with 12 core patents that required 10 million yuan for expanding its experimental base [3] - The China Construction Bank Shenzhen Branch introduced a targeted "Shanxin Loan + Technology e-loan" combination to meet the financing needs of a technology enterprise [3] - The招商银行福田支行 service team matched a rapidly growing LED technology company with the "Zhaoqi Loan" product, providing timely financial support based on its operational data and tax records [3] Group 3 - The Jiangsu Bank Futian Branch established a green approval channel and innovative credit assessment system to optimize financing services for technology enterprises, reducing approval time by 30% for a 10 million yuan loan [4] - A rapid response mechanism was created by Ningbo Bank Shenzhen Branch, allowing a high-end chip trading company to receive a 10 million yuan credit approval within two weeks, significantly improving financing efficiency [4][5] - The financial service team plans to deepen cooperation between government, banks, and enterprises, establishing a regular visiting mechanism to create a comprehensive financial service system for the high-quality development of the real economy in Futian District [5]

2025年，建行扬州分行深入贯彻落实"科技金融"战略部署和全市产业科创名城建设要求，不断优化科创 企业金融供给，坚定不移为"好地方"扬州提供更多的金融支持，持之以恒打造服务"好地方"的好银行。 持续加力制度牵引 建行扬州分行不断探索科技和金融的结合点，建立科技金融领导小组和工作专班，围绕扬州"613"产业 体系建设，聚焦高端装备、新能源产业等重点优势集群，已累计为超500户科技型企业提供信贷支持。 该行通过设立"科技金融特色支行"、建设科技金融服务团队等方式，逐步构建起多层次、常态化联动机 制，不断完善科技金融服务体系，赋能扬州产业科创名城建设。 同时，该行积极响应扬州市科技特色网点建设试点工作，成为唯一双试点入围的银行，围绕广陵生态科 技新城、仪征经济开发区，以"园区+市级金融机构+基层网点"模式，为园区内科技型企业提供全生命 周期精准、优质、高效金融服务，全面提升科技型企业金融服务水平和覆盖面，打造科技金融专业化运 行示范模式。 加速产品服务迭代 探索服务"新范式"。建立"科技企业创新能力评价体系"，作为企业级的数字化管理工具。"科创评价"围 绕企业知识产权这一核心创新要素，针对新材料、生物医药等不同技术 ...

深耕基层践初心，普惠金融润千企。建设银行哈尔滨南岗支行的金融服务不仅局限于会场。"张富清金 融服务队"主动下沉服务，深入王岗镇等基层地区开展政策宣讲，将普惠金融服务送到企业。同时，立 足区域产业特色，聚焦秋林商圈、科技企业集群等推出"一企一策"专属服务模式。为高新技术企业定 制"善新贷"服务方案，成功实现1000万元授信。通过举办"数智金融银企共创"科技金融专场活动，为4 家科技企业提供全流程金融解决方案。 建设银行哈尔滨南岗支行行长万禹表示，下一步将持续深化政银企合作机制，在科技金融、绿色信贷、 先进制造业等重点领域持续发力。通过优化普惠金融服务体系，扩大服务覆盖面，提升金融服务精准 度。 亮眼的数据印证了建设银行哈尔滨南岗支行的服务实效：自去年开展"千企万户大走访"活动以来，该行 累计为南岗区1463家企业授信20.6亿元，为1285户企业发放贷款17.6亿元。 中国发展网讯秦薏颜盛妍邢净记者林强报道"政策来得太及时了！线上申请秒到账，大大缓解了我们的 资金压力！"在哈尔滨南岗区政银企"凝聚金融力量助力企业发展"融资对接会现场，哈尔滨旭东升饲料 有限公司总经理李永利难掩兴奋地分享融资体验。5月27日，由哈 ...

Core Viewpoint - Construction Bank is actively enhancing its financing services for small and micro enterprises, transitioning from a passive response to proactive empowerment, with a focus on accessibility and suitable interest rates [1]. Group 1: Financing Initiatives - As of April 2023, Construction Bank has provided funding to over 1.4 million enterprises, with a total credit issuance of 1.8 trillion yuan [1]. - The bank has established a "236" work mechanism to improve customer service capabilities and address the actual difficulties faced by enterprises [1]. Group 2: Tailored Financial Solutions - Construction Bank customizes financial solutions for small and micro enterprises, such as the "Shanxin Loan" for a smart technology company, which successfully secured a loan of 670,000 yuan after resolving legal issues [2]. - The bank offers comprehensive financial services tailored to the specific needs of enterprises in key sectors like foreign trade, technology, and agriculture [2]. Group 3: Addressing Sector-Specific Challenges - A biological pharmaceutical company faced challenges due to rising international logistics costs and exchange rate fluctuations; Construction Bank provided a comprehensive service plan, including a loan of 2 million yuan and risk management solutions [3]. - A high-tech pig farming enterprise utilized the "Jianhang Huizhongni" app to apply for a technology enterprise credit loan, benefiting from rapid approval and disbursement [3]. Group 4: Agricultural Financing - The bank has developed a financing risk control model for the Lingbao apple industry, offering a pure credit, no-collateral, fully online loan product called "Yunong Zhenxing Loan (Apple Industry)" to meet the growing financial service demands of farmers [4]. - Construction Bank is committed to implementing national policies to enhance financial service precision and accessibility for small and micro enterprises, contributing to high-quality development of the real economy [4].

一直以来,建设银行德州分行坚守金融为民初心,以服务实体经济为根本,通过构建普惠金融服务体系、深 化政银企协同创新、打造科技金融专属模式,持续为区域经济高质量发展注入金融动能。截至4月末,该行 普惠贷款余额超过54亿元,累计服务客户超7200户；科技型小微企业贷款余额超14亿元,本年度入库科技 企业备案金额4亿元,占全市总备案量的70%,交出了一份亮眼的答卷。 开拓科技金融新赛道点燃创新"强引擎" 建行德州分行秉持合作共赢之路,将深化政银企合作作为拓展普惠金融服务的重要抓手。通过与市工商 联及各类商会、协会建立常态化沟通机制,推进党建联建共建,发挥金融指导员专业优势,构建起"工商联 +银行+商会协会"的特色生态圈。 面对新质生产力发展的时代要求,建行德州分行全力做好科技金融这篇大文章。依托创融、智融、兴融 三位一体的"科创桥"专属品牌,聚焦科技企业全生命周期服务需求,构建起完善的金融服科技务体系。 在此基础上,该行联合德州市工商联举办银政企"亲清"座谈会,为企业搭建起一个高效的互动交流平台。 银政企三方齐聚一堂,围绕民营企业发展中的机遇与挑战展开深入探讨,有效打通了信息壁垒,为企业发展 注入新动能。 在产品创新 ...