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 新华财经成都9月25日电（记者袁波）近年来，中国建设银行四川省分行落实四川省委、省政府及监管机构工作要求，主动融入国家区域重大战略，聚焦新 时代西部大开发、成渝地区双城经济圈建设等战略规划，加力服务实体经济，持续强化全面风险管理，高质量发展有力推进。日前，记者专访了建行四川省 分行党委书记、行长邹致师，就该行如何通过精准政策协同和机制建设，体系化系统化做好"五篇大文章"、增强与地方经济社会发展契合度等话题进行了探 讨。 今年5月，建行科技金融服务成果亮相第二十届中国西部国际博览会。 记者：今年以来，四川省经济在顶住压力、攻坚克难中保持了平稳上行发展态势，各项工作取得积极成效。建行四川省分行在服务经济发展中心工作方面是 如何谋划和行动的？ 邹致师：开年以来，国内外形势深刻复杂演化，低利率环境态势更加明显，银行业面临的压力挑战愈加凸显。我国提出要加快建设强大的金融机构，赋予国 有大行的定位是"当好服务实体经济的主力军和维护金融稳定的压舱石"，发展目标是"做优做强"。对标对表上级要求，建行四川省分行认真落实总行部署， 坚持以增强"三个能力"为根本遵循，锚定高质量发展目标，以质的有效提升引领量的合理增 ...

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 ...

Core Viewpoint - The Bank of China Shandong Branch is actively implementing foreign exchange policies to enhance service delivery to enterprises, aiming to stabilize and improve foreign trade in the province through various initiatives and competitions [1][3]. Group 1: Foreign Exchange Policy Implementation - The bank is conducting the "Lü Trade and Finance for the People" foreign exchange skills competition to promote compliance with foreign exchange regulations and expand the benefits of foreign exchange policies [1]. - Since the beginning of the competition, the bank has focused on enhancing its capabilities in foreign exchange management and service delivery to the real economy, launching multiple initiatives to improve financial services [3]. Group 2: Service Initiatives and Achievements - The bank has organized over 38 promotional events and visited more than 950 enterprises to raise awareness of foreign exchange facilitation policies and encourage participation in the foreign exchange market [3]. - Collaborative efforts with organizations like China Export & Credit Insurance Corporation and the China-Europe Railway Express have been established to provide comprehensive cross-border financial services to export-oriented enterprises [3]. - The bank has served over 1,400 foreign trade enterprises and disbursed loans totaling 4.2 billion yuan, leading among financial institutions in the province [3]. Group 3: Industry-Specific Support - The bank has tailored foreign exchange products and services to meet the specific needs of the wood industry cluster, providing support for both raw material importers and product exporters [4]. - Financial products such as trade financing and cross-border quick loans are offered through digital platforms to meet the financing needs of various enterprises in the wood industry [4]. - The bank plans to continue implementing foreign exchange management requirements and facilitate enterprises' international expansion, contributing to the high-quality development of Shandong's open economy [4].

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].

小微企业无还本续贷1日内"借新还旧"，抵押登记无缝衔接如何实现？近日，宁波创新推出"组合登 记"模式，为抵押贷款无还本续贷业务"打了个样儿"。 去年9月，金融监管总局优化调整无还本续贷政策，将续贷范围扩展至所有小微企业，要求银行业 金融机构进一步完善续贷尽职免责相关制度，优化工作流程，进一步缓解小微企业融资压力。但是《金 融时报》记者在调研中发现，企业在办理涉及不动产抵押的无还本续贷业务时仍面临一些困扰，如抵押 注销登记与设立登记环节流程多、手续复杂、时间慢等，影响政策落地效果和企业获得感。 为破解上述难题，宁波金融监管局联合宁波市自然资源和规划局联合打造了抵押贷款无还本续 贷"组合登记"模式，通过升级宁波市不动产登记平台，推出旧抵押权注销与新抵押权设立登记合并办 理、顺位抵押权设立和旧抵押权注销登记合并办理、抵押权变更登记三种业务模式。在新模式下，企业 只需要提交一套材料，1个工作日内即可实现抵押登记无缝衔接。业内人士告诉记者，这一模式大幅降 低了企业资金成本和时间成本，并解决了新旧抵押权之间的"空档期"和"超额抵押"等问题，有效规避了 抵押物查封风险。 受国际物流成本、汇率波动等影响，青海一家生物药品企业 ...

Core Insights - The article highlights the proactive measures taken by Xuan'en County to support small and micro enterprises through tailored financial services and credit loans, significantly boosting local economic development [1][2][3][4] Group 1: Financial Support Initiatives - Xuan'en County has implemented a "Small and Micro Enterprise Financing Coordination Mechanism," conducting extensive outreach to understand the financing needs of local businesses, resulting in a "申报清单" and "推荐清单" for targeted support [2] - Financial institutions in the county have issued loans totaling 21.83 billion yuan, with 1.36 billion yuan allocated to 189 small enterprises as first-time loans [2][3] - The average loan processing time for small and micro enterprises has been reduced from 7 working days to 3, enhancing accessibility to credit [3] Group 2: Economic Impact - In the first half of the year, Xuan'en County's financial institutions provided 15.09 billion yuan in new loans, exceeding the annual target by 17% and marking a historical high [1] - The county saw a 47% year-on-year increase in new business entities, with 3,164 new operating units established [1] - The tourism sector has significantly contributed to the local economy, with nearly 10 million visitors and a 45.16% increase in tourism revenue, leading to a doubling of household deposits [4] Group 3: Innovative Financial Products - Banks have developed nearly 20 new financial products aimed at small and micro enterprises, including various credit loans that do not require collateral [3] - The introduction of personal credit value loans and rural asset value loans has successfully disbursed 24.45 million yuan, demonstrating effective financial innovation [3] - The establishment of a "Financial + Industry + Tourism" ecosystem has supported key projects, with 19.08 billion yuan in credit granted for 10 major county projects [3]

Group 1 - The 14th China Innovation and Entrepreneurship Competition Shandong Division and the 2025 Shandong Province Small and Micro Enterprises Innovation Competition Action Plan finals were launched on August 1 in Jinan [1][3][5] - Over 340 participating companies are competing in various industry sectors including "new generation information technology," "high-end equipment manufacturing," "new materials," "biomedicine," and "new energy, new energy vehicles, and energy conservation and environmental protection" [1][3] - The competition format includes a "7-minute roadshow + 5-minute Q&A" session for participants [1] Group 2 - Since 2017, the competition has attracted over 12,500 small and micro enterprises and teams, with more than 2,400 advancing to the finals and 400 recommended for the national competition [3] - The Shandong provincial government has allocated 420 million RMB in financial support, while banks and venture capital institutions have provided over 15 billion RMB in funding for winning enterprises [3][7] - More than 3,000 small and micro enterprises have grown into high-tech enterprises as a result of this competition [3] Group 3 - The Shandong Technology Market has gathered high-end resources such as talent, technology, and achievements, aiming to become a significant hub for innovation factor allocation in the country [5] - The market has identified 11,341 technical needs and attracted nearly 50,000 technology-based enterprises [5] - Over 2,000 enterprises have been served by the market, facilitating a basic transaction volume of 1.433 billion RMB [5] Group 4 - Financial institutions like China Construction Bank and China Merchants Bank are providing tailored financial products to support quality projects and technology enterprises [7][8] - China Construction Bank has established an online evaluation platform for technology enterprises, serving over 8,000 technology-based companies with a loan balance exceeding 100 billion RMB [7] - The competition offers cash prizes for winning enterprises, with first-place winners receiving 300,000 RMB and additional support for those qualifying for the national competition [8][9] Group 5 - The China Innovation and Entrepreneurship Competition, initiated in 2012, is the largest and most influential national innovation and entrepreneurship event in China [9] - Shandong has implemented the "Shandong Province Small and Micro Enterprises Innovation Competition Action Plan" since 2017, using a competition-based selection mechanism to support outstanding technology entrepreneurship projects [9]

□源泽 （图片由建行四川省分行提供）巴蜀大地上，宽窄巷子的青砖灰瓦镌刻着老成都的闲适， 杜甫草堂的茅檐下回响着"安得广厦"的慨叹，泸沽湖畔摩梭人的木楞房藏着女儿国的传说。当川 剧变脸的惊鸿一瞥遇见蜀绣的指尖生花，当自贡灯会的流光溢彩碰撞羌族口弦的悠远旋律，四川 文旅正向世界展示着天府之国的千面魅力。省委十二届七次全会对推进文化和旅游深度融合发 展、做大做强文化旅游业作出一系列重大部署，提出"优化文旅融合资源要素配置""强化财政金融 支持"。四川金融机构积极创新服务模式，助力丰富优质文旅供给，持续助推文旅产业高质量发 展。作为国有大行，近年来，中国建设银行股份有限公司四川省分行（以下简称建行四川省分 行）深耕文旅消费场景需求，立足区域资源禀赋，通过提供定制化金融服务方案等务实举措，为 四川文旅产业高质量发展注入强劲动能，助力"流量"变"留量"、"风景"成"钱景"。数据显示，今 年上半年，建行四川省分行文旅企业贷款客户达6000余户，贷款余额超145亿元，较年初新增超27 亿元。打造多元金融产品 破解文旅企业融资难题"来这儿的游客越来越多，我们有信心打造更多 让大家喜欢的文化体验项目。"在绵阳，北川羌族自治县和谐 ...

Core Viewpoint - The integration of technology and finance is crucial for the innovation and development of enterprises, particularly in the context of the oil drilling equipment manufacturing sector in Heilongjiang Province. Group 1: Company Overview - Heilongjiang Province's Hailin Xinke Petroleum Wear-Resistant Tools Co., Ltd. has been operational for over a decade and is recognized as an "innovation leader" in the oil drilling equipment manufacturing field [1][2]. - The company has faced significant funding gaps as it expands its business, necessitating support from financial institutions [2]. Group 2: Financial Support and Innovation - The People's Bank of China in Mudanjiang has established a comprehensive technology finance service system, enhancing financial services for technological innovation, with a loan balance for technology-based enterprises reaching 3.517 billion yuan by the end of May [1][3]. - The Industrial and Commercial Bank of China provided a credit limit of 3 million yuan to Hailin Xinke, enabling the company to purchase new equipment and expand its R&D team, thus revitalizing its innovation projects [2]. Group 3: Financial Products and Services - Various financial institutions in Mudanjiang have developed specialized credit products to meet the needs of technology-based enterprises, such as the "Kechuang Loan" with a maximum limit of 8 million yuan and favorable interest rates [4]. - The Construction Bank introduced the "Shanke Loan," tailored for small and micro technology enterprises, utilizing an online and offline process to better serve the growth needs of these companies [4].