三晋大地红色底蕴深厚，从武乡八路军总部的烽火岁月到左权十字岭的英雄壮歌，再到阳泉百团大战的 辉煌战绩、兴县蔡家崖晋绥边区的峥嵘过往，山西革命老区既承载着厚重的历史记忆，又在新时代振兴 征程中满怀发展期待。建行山西省分行立足这片红色的热土，创新金融产品与服务模式，下沉服务重 心，助力老区产业转型发展，让革命老区的高质量发展之路越走越坚实。 光伏添翼 赋能乡村 在太行山深处的武乡县，一场绿色能源革命正在这片红色热土上蓬勃展开。蟠龙镇红龙山上，绵延数里 的蓝色光伏板在阳光下熠熠生辉，犹如一块块铠甲镶嵌在山间，勾勒出一幅"板上发电、板下种植"的生 态画卷。 华电福新武乡光伏一体化项目是当地绿色转型的重点工程，总投资5亿元，在蟠龙镇建设"光伏+农业"基 地。项目推进过程中，因资源配置和维护成本高、大量雇用当地劳动力等因素出现资金紧缺情况，一度 停滞不前。 注入金融活水后，该项目实现民生、产业、生态三重效益：为6万居民提供稳定供热，室温达标率保持 100%；助力腐竹厂日产能提升30%，乳胶品次品率下降15%；年减排二氧化硫800吨，节约标煤3万吨， 打造了能源循环利用的示范样板。如今，华能热电联产项目源源不断地为这座英雄 ...

在广东制造业蓬勃发展的热土上，科技型企业如繁星点点，汇聚成推动经济高质量发展的中坚力量。然 而，融资难、账期长、轻资产无抵押等痛点，时常困扰着企业的发展，尤其对处于初创期或成长关键阶 段的企业而言，资金流的畅通与否至关重要。中国建设银行广东省分行（以下简称"建行广东省分行"） 深耕科技金融领域，以金融活水精准滴灌，通过完善评价体系、创新产品供给、延伸服务链条，有力支 持科技型企业跨越发展难关，助力产业链供应链提质增效。 精准画像与动态赋能，筑牢风险防控基石 银行为企业垫付货款，如何有效控制风险？建行广东省分行强化数字化赋能，打造"科创企业多维评价 体系"，形成涵盖30余项指标的量化模型，对科技型企业进行精准"画像"和评级。 南方测绘作为中国测绘地理信息领域的标杆企业，拥有甲级测绘资质，产品覆盖高精度卫星导航定位、 激光雷达、无人机航测、海洋测绘等多个前沿领域，多项技术实现国产替代，荣获高新技术企业、专精 特新"小巨人"企业、国家级制造业单项冠军企业等荣誉。在建行评价体系中，南方测绘获评较高等级， 为其供应链融资提供了坚实基础。 陪伴企业走稳"最初一公里"，量身定制纯信用贷款 对于众多初创型、轻资产的科技企业而 ...

转自：新华财经 新华财经9月26日电（王宇静）近年来，建行江苏省分行践行绿色发展理念，通过创新金融产品和服 务，精准支持垃圾、污水处理，变"废"为"宝"，为区域经济绿色转型注入金融"活水"。 变"废"为"宝" 建筑垃圾在城市垃圾总量中占据着显著比例，医疗废物等危废垃圾的不当处置可能对城市公共卫生安全 造成影响，但换个思路，这些垃圾也是放错位的资源。 如何推动占城市垃圾总量近40%的建筑垃圾的高效循环利用，一直是城市建设的重要课题。南京嘉翼数 字化增材技术研究院有限公司给出了答案。该企业专注于建筑3D打印，能够将工业废弃物改造为强度 达C40的再生混凝土，该材料已广泛应用于民用及商用住宅、功能用房和市政工程等领域，真正实现了 建筑垃圾"变废为宝"。建行南京江北新区分行始终陪伴其成长创新，不仅在2024年为该企业投放"善新 贷"800万元，今年又为其上游公司追加"成长之路"贷款500万元，助力其压降原材料成本，出海中东市 场，践行资源高效利用的可持续发展承诺。 在江苏翔澄环保科技有限公司的生产车间里，建筑废弃物也正经历"涅槃重生"，该企业通过分选、破碎 等工艺，年处理30万吨装修垃圾，让建筑垃圾"回到建筑中去"。 ...

转自：新华财经 四方食事，不过一碗人间烟火。近年来，中国建设银行吉林省分行聚焦吉林省内食品行业发展，以"精 准直达"的金融服务破解企业原料采购、产业链建设中的融资难题，凭借"量体裁衣"式的金融方案匹配 企业不同阶段需求。 "蛋生"希望 清晨六点的长春市工农大路，某老牌面食餐馆的后厨已腾起白雾。这里出品的蘑菇炸酱面，凝聚了老师 傅三十余年对揉面力道、发酵时长、炸酱火候的精准把控，成为月销数万份的招牌美食。 随着门店在吉林省内持续扩张，原有人工生产模式已难以满足各分店的供应链需求。为保障货源稳定、 统一品质标准，餐馆升级为规模化生产模式，并成立了吉林某食品科技公司。凭借稳定的供货能力与积 累的扎实口碑，企业逐步成长为省内知名的老牌食品企业。 近年来，成品菜风口渐起，企业计划拓展"成品菜"生产线，在满足自身品牌门店需求的同时，还能供应 省内其他同类餐饮企业。然而，新机遇的背后藏着现实难题，新生产线搭建、原材料大规模采购及加工 环节的成本叠加，整体资金投入预计近千万元。而食品行业因需提前储备原材料，天然存在资金流偏紧 的属性，导致新产线建设面临资金周转压力。 在吉林金翼蛋品有限公司（以下简称"金翼蛋品"）的智能化生产 ...

初创型科技型企业普遍重研发、轻资产，如何更新传统抵押信贷模式，为企业赋能？建行江苏省分行通 过打造"善新贷""善科贷"等创新产品，将企业的专利、商标、著作权等无形资产纳入质押物范畴，采 用"线上办理+线下质押"方式，为小微企业专利质押融资提供便捷服务。据悉，该行利用"善新贷"等产 品已服务各类科创小微企业3000多家，累计提供超200亿元融资。 初创型科技型企业处于起步发展阶段，股东结构单一，对于股权融资的需求更为迫切，如何积极响应企 业所急所想？建行江苏省分行加强与创投机构、产业龙头、科研院所等九类机构合作，搭建股权机构合 作库，丰富合作场景，汇聚各类资源。该行按照投资偏好等维度对合作机构进行分类，并建立线上撮合 平台推送融资信息，实现投融资两端的精准匹配。截至目前，该行已与256家内外部投资机构建立合作 关系，与70家合作机构签署投资者联盟协议，与东南大学、江苏省股交中心、江苏省高新技术创业服务 中心等合作伙伴举办近10期"商投一体化 投融新生态"系列活动，覆盖超300家机构及客户，对外推荐股 权融资客户131户，为初创型企业搭建交流、互助、共享的合作平台。 转自：新华财经 新华财经南京9月23日电（记者 ...

Group 1: Financial Support for Technology Enterprises - The Industrial and Commercial Bank of China (ICBC) in Chenzhou has issued the city's first intellectual property pledge loan of 105 million yuan to a local new energy company, aimed at supporting R&D and equipment upgrades [1] - As of June 2023, Chenzhou's technology-related industry loans reached 52.732 billion yuan, a year-on-year increase of 25.4%, with over 1,200 technology enterprises receiving financial support [1] - The total financing for supply chain financing in Chenzhou has reached 12.608 billion yuan since 2025, with various banks providing tailored financial services to technology enterprises [3] Group 2: Customized Financial Solutions - Everbright Bank Chenzhou Branch has provided a customized credit plan of 110 million yuan to a national-level specialized technology enterprise, enhancing the efficiency of fund turnover for R&D and capacity expansion [2] - The bank has issued loans totaling 314 million yuan and handled off-balance-sheet bank acceptance bills amounting to 513 million yuan for enterprises in the digital industry chain as of June 2023 [2] Group 3: Innovative Financing Models - A new "insurance + credit" project has been successfully implemented in Chenzhou, providing 1 million yuan in risk protection for a technology company's pilot project, which facilitated an additional 1 million yuan in credit [5] - The Chenzhou Financing Guarantee Group has introduced various guarantee services, with an average guarantee fee rate as low as 0.71% per year, supporting technology enterprises with government-backed loans [6] Group 4: Data-Driven Financing - The local banks have been leveraging data from tax, social security, and intellectual property to enhance risk assessment efficiency, resulting in a significant increase in the availability and convenience of financing for technology enterprises [9] - As of June 2023, the balance of loans for technology SMEs at a local bank reached 783 million yuan, with over 50% being credit loans [9] Group 5: Cross-Border Financial Services - Since 2024, 47 technology enterprises in Chenzhou have adopted cross-border RMB settlement, with a total settlement amount of 1.011 billion yuan, effectively reducing exchange rate risks and costs [7] - A local electronics company has benefited from online, low-cost, and instant cross-border RMB services, facilitating the settlement of export payments totaling 5.628 million yuan over the past two years [6]

Group 1 - The article highlights the challenges faced by a Shunde-based electrical company, which has developed cable technology certified by a major appliance manufacturer but is struggling with high debt levels and insufficient collateral for financing [1] - The company is experiencing a funding gap due to high R&D investments and a lack of traditional assets for collateral, leading to difficulties in securing loans from banks that are accustomed to traditional risk assessment models [1] - China Construction Bank's Foshan branch introduced an innovative financing guarantee model called "Ke Chuang Dan," which involves collaboration with provincial re-guarantee institutions to share risks and broaden credit access for technology enterprises [1] Group 2 - The bank's "Ke Chuang Dan" service model focuses on the core value of the enterprise, emphasizing its technological strength and qualifications, and customizes financing solutions by quantifying patent values and utilizing policy tools [2] - A rapid response team was formed to streamline the due diligence and approval process, resulting in a successful issuance of a 2.5 million yuan pure credit loan within 10 days [2] - The "Ke Chuang Dan" model has already benefited nearly 10 enterprises within two months of operation, demonstrating the effectiveness and necessity of the risk-sharing mechanism [2]

Core Viewpoint - Construction Bank's Fujian Branch is enhancing inclusive financial services for small and micro enterprises, focusing on increasing accessibility and convenience, thereby supporting high-quality development of these businesses [1][2][3]. Group 1: Financial Support and Products - Since the beginning of the 14th Five-Year Plan, Construction Bank's Fujian Branch has issued a total of 792.3 billion yuan in inclusive loans, with the new loans for small micro enterprises having an interest rate of 3.2%, which is over 1.05 percentage points lower than before the LPR reform [1]. - The bank has introduced a "white list" mechanism for technology companies, allowing for credit loans of up to 2 million yuan, with interest rates nearly 20% lower than the previous year [2]. - The bank has developed over 30 tailored financing products, including "Technology Precision Loan" and "Merchant Cloud Loan," focusing on the unique needs of small micro enterprises and individual businesses [3]. Group 2: Digital Transformation and Efficiency - The bank has implemented a "green approval" process, enabling companies like Putian Wanxie Precision Mould Co., Ltd. to secure loans quickly, such as a 10 million yuan "Factory Quick Loan" [4]. - The "Hui Dong Ni" app has evolved from version 1.0 to 4.0, providing integrated services for financing, account settlement, wealth management, and personalized products, making the loan process as convenient as online shopping [4]. - The bank has established a specialized coordination mechanism for small micro enterprise financing, enhancing collaboration with government departments and industry associations to create an efficient service model [4][5]. Group 3: Cost Reduction and Transparency - The bank has introduced a "loan clarity paper" that outlines all costs associated with loans, helping businesses understand their financial obligations and reducing overall financing costs to 2.85% [6][7]. - The average weighted interest rate for new loans issued by the bank has decreased by 27 basis points year-on-year, reflecting the bank's commitment to reducing financing costs for small micro enterprises [7]. - The bank is actively promoting the "no principal renewal loan" policy and has streamlined the renewal process to be fully online, significantly alleviating the financial pressure on enterprises [7].

Group 1 - The core viewpoint emphasizes the importance of developing new productive forces to drive high-quality development, with financial services playing a crucial role in this process [1] - China Construction Bank Foshan Branch is committed to integrating its reform and development into the national strategic framework, contributing to the construction of a financial powerhouse and promoting modernization [1] - The city of Foshan aims to transform its traditional industries and foster emerging sectors, focusing on three key areas: upgrading traditional industries, developing new industries, and nurturing future industries [1] Group 2 - High-tech enterprises face significant financing challenges due to high R&D costs, high debt ratios, and a lack of traditional collateral, leading banks to be hesitant in lending [2] - China Construction Bank Foshan Branch has introduced an innovative financing guarantee model called "Sci-Tech Guarantee," which involves collaboration with provincial re-guarantee institutions to share risks and broaden credit access for tech enterprises [2] - The bank has tailored financing solutions based on the core value of enterprises, such as their technological capabilities, and has successfully issued a 2.5 million yuan unsecured loan within 10 days [2] Group 3 - The "Sci-Tech Guarantee" model has already benefited nearly 10 enterprises within two months, demonstrating the effectiveness of the risk-sharing mechanism [3] - Financial support has enabled various manufacturing enterprises to convert patented designs into products, showcasing the evolution of new productive forces [3] - By May 2025, the loan balance for sci-tech initiatives at China Construction Bank Foshan Branch is expected to exceed 20 billion yuan, reflecting a growth rate of over 26.6% [3]

Core Points - The training program aimed at supporting the high-quality development of the private economy was successfully held in Taiyuan, Shanxi [1][2] - The event was organized by the SME Cooperation Development Promotion Center and the State-owned Assets Supervision and Administration Commission, with participation from various leaders and experts [1][2] Group 1: Objectives and Mission - The SME Cooperation Development Promotion Center emphasizes the importance of not only informing enterprises about policies but also assisting them in utilizing these policies effectively [2] - The center aims to build a communication bridge between the government and enterprises, providing comprehensive services to support sustainable development for SMEs [2] Group 2: Training Content and Structure - The training program includes courses on legal policies, macro trends, risk prevention, and asset inheritance, tailored to meet the actual needs of entrepreneurs [6] - The program lasts for three days and gathers over a hundred representatives from various industries, focusing on addressing the challenges faced by private enterprises in transformation and innovation [8] Group 3: Financial Support and Initiatives - China Construction Bank's Shanxi branch has introduced over 40 credit products aimed at supporting the private economy, with a loan balance for private enterprises reaching 69.9 billion yuan by mid-2025 [7] - The average annual growth rate of small and micro loans over the past five years has been 30%, serving nearly 99,000 private enterprises in Shanxi [7] Group 4: Legislative Support - The "Promotion Law of Private Economy" was highlighted for its significant provisions, including the first legal acknowledgment of the "two unwavering" principles and the role of the private economy in modernizing China [8] - This law reinforces the government's commitment to supporting the private economy as a long-term policy [8] Group 5: Feedback and Future Plans - Participants expressed that the training was practical and broadened their knowledge and networks, enhancing their confidence in improving core competitiveness [10] - The Shanxi office of the SME Cooperation Development Promotion Center plans to initiate one-on-one precise assistance for SMEs in Shanxi, promoting technological innovation and management upgrades [10]