21世纪经济报道记者 叶麦穗产业园区是实体经济高质量发展的重要载体，也是金融服务实体经济的主 要阵地之一。当前，广东省已形成106个省产业园区的网络化体系横贯珠三角与粤东西北，正加速孕育 新质生产力。 近日，21世纪经济报道记者在广东金融业支持产业园区建设相关调研走访中发现，不少银行正把"园 区"当作一级经营单元，围绕产业图谱和企业生命周期，将信贷、投行、租赁、保理、跨境、数字平台 等非金融工具打捆成"行业解决方案"，从"贷"向"配"升级，从"点"向"链"延伸。业内预计，随着产业园 区GDP规模增长，综合化、数字化、生态化的"园区金融"有望打开千亿级增量市场，成为银行转型的新 增长极。 为银行带来"流量" 罗鹏对记者表示，作为非金属功能材料生产应用科技公司，公司经营模式其实是轻资产模式，在获取贷 款方面，能用于银行抵押的资产十分有限，且资金主要用途就是购买原材料，要扩大生产规模，就要增 加高岭土采购，这对企业而言就会面临资金问题。 近年来，产业园区作为我国工业化、城镇化的重要载体，对经济社会发展作出了重要贡献。赛迪顾问园 区经济研究中心最新数据显示，截至去年末，已有59个园区GDP超过千亿元，比上年新增5个， ...

Core Viewpoint - Industrial Bank's 2025 semi-annual report highlights stable operational performance and initial achievements in building a value bank amidst complex challenges [1] Financial Performance - As of June 30, 2025, total assets reached 10.61 trillion yuan, a 1.01% increase from the end of the previous year [1] - Revenue was 1104.58 billion yuan, with net profit at 431.41 billion yuan, reflecting a 0.21% year-on-year growth, reversing the negative trend from the first quarter [1][2] - Non-performing loan ratio remained stable at 1.08%, with a provision coverage ratio of 228.54%, indicating solid asset quality [1][3] Value Bank Characteristics - The bank's five key characteristics of a value bank are becoming increasingly evident: strong profitability, deep customer cooperation, low risk costs, balanced business structure, and distinct operational features [2] - Net interest margin was 1.75%, down 7 basis points from 2024, while net fee and commission income grew by 2.59% to 130.75 billion yuan [2] Customer Cooperation - The number of corporate clients exceeded 1.6 million, a 4.26% increase from the previous year, with significant growth in high-potential and value clients [3] - Retail customer base reached 112 million, up 1.63%, with double-gold customers increasing by 8.34% [3] Risk Management - The bank's risk management reforms led to a stable asset quality, with the focus on reducing risks in key areas [3] - The ratio of impaired loans to total loans was 27.27%, down 3.08 percentage points year-on-year, indicating improved risk resilience [3] Business Structure - Customer loan balance reached 5.90 trillion yuan, a 2.91% increase, with significant growth in green, technology, and manufacturing loans [4] - Customer deposit balance was 5.87 trillion yuan, up 6.10%, with a retail deposit balance of 1.72 trillion yuan [4] Distinct Operational Features - The bank maintained its leadership in green banking, wealth management, and investment banking, with green loan balance at 1.08 trillion yuan [5] - The bank is advancing its digital transformation, focusing on AI capabilities and enhancing customer experience [5][9] Support for New Quality Productivity - The bank is integrating its financial services with national economic priorities, focusing on technology finance and green finance to support new quality productivity [6][7] - The number of technology finance clients grew by 6.07%, with financing balance reaching 2.01 trillion yuan, reflecting a 14.18% increase [6] Inclusive Finance - The bank's inclusive finance initiatives led to a 5.22% increase in small and micro enterprise loans, totaling 584.93 billion yuan [8] - Agricultural loans reached 529.40 billion yuan, a 7.31% increase, demonstrating the bank's commitment to rural finance [8]