星河world产业园。 盐田综合保税区。 "民营经济第一城"再添普惠金融创新探索。"园区贷2.0"发布会暨小微企业融资协调机制推进会日前在 龙岗区星河·领创天下举行。 发布会由深圳市工业和信息化局、深圳市中小企业服务局、深圳金融监管局、深圳市地方金融管理局、 深圳市发展和改革委员会、深圳市国资委、深圳市政务服务和数据管理局、龙岗区人民政府主办；龙岗 区发展和改革局、工商银行深圳市分行承办。 如何为深圳近300万中小微企业尤其园区企业建立"立体画像"，扮演好"政园银担"四位一体的关键角 色，为深圳小微企业带来了破解融资困局的全新方案，成为看点。 "园区贷"首批试点 授信超115亿元 南都湾财社记者获悉，从去年以来，深圳多部门建立支持小微企业融资协调工作机制。通过开发"千企 万户大走访"系统、建立企业需求与银行服务"两张清单"，构建"监管—行业—机构"与"市—区—街 道"三级联动机制，加强园区、外贸、民营、科技"四个重点"领域融资支持。截至8月末，深圳新增授信 破万亿元，新发放贷款7982亿元，金额居大中城市首位。 深圳汇聚了超过270万家中小微企业，贡献了约50%的GDP，是经济发展的核心力量。在传统融资模式 ...

9月30日上午，以"聚势·赋能·跃升"为主题的"园区贷2.0"发布会暨小微企业融资协调机制推进会在龙岗 区星河领创天下成功举办，该模式通过"政园银担"四方协同机制，为深圳小微企业带来了破解融资困局 的全新方案。 破解融资难题和壁垒，"园区金融"成效初显 截至目前，作为试点初期的阶段性成果，首批试点银行对试点园区内企业的累计授信金额已超115亿 元，充分印证了"园区金融"模式的生命力。 以工商银行深圳市分行为例，作为首批试点银行，截至2025年8月末，在包括首批试点园区在内的全市 超300个园区中，该行已累计为2700余家入园企业授信超130亿元，其中专精特新、高新技术企业获授信 66亿元。在总行指导下，该行打造了"四融并举，数智赋能"的园区金融服务方案。在融资方面，推出标 准化"园区e贷"产品，为300余个优质合作园区内小微企业提供最高1000万元、最长3年的纯信用贷款。 在融智方面，担任企业医生和财务顾问，研发"科创企业AI智能顾问"，实现企业一键查询匹配专属金融 方案。在融技方面，强化科技赋能，联动4家知识产权评估机构、67家头部企业等外部资源，搭建专利 技术对接平台，精准匹配需求，打破信息壁垒。在融商方 ...

针对科创企业"轻资产、高成长、强研发"的特点，工行深圳市分行持续推动普惠金融产品创新，打造了 包括"园区e贷"、"兴科贷"等在内的特色信贷产品体系。作为园区贷首批试点银行，工行深圳市分行依 托园区合作与数据赋能，为科创企业提供便捷高效的融资支持。 国家级专精特新"小巨人"企业某科技股份有限公司是"园区e贷"的受益者之一。这家成立于2016年的实 时数据基础设施及分析供应商，拥有36项发明专利和227项软件著作权，最新一轮投后估值约62亿元， 正在向港交所申报上市。由于刚签下大金额订单且研发投入较大，企业面临短期资金压力。工行深圳市 分行依托"园区e贷"产品，仅用三个工作日就完成1000万元流动资金贷款的审批与发放，高效化解企业 资金瓶颈，赢得了企业的高度认可。 此外，工行深圳市分行还推出"兴科贷"等产品，精准匹配科技型企业研发投入大、资金需求急的特点。 某信息有限公司的成长轨迹是工行"陪伴式服务"的典范。该软件外包企业于2022年初获得工行500万元 信用贷款，有效支持了其技术团队扩建和业务扩张，同年即成功获评国家高新技术企业。随着企业营收 从2021年的5.08亿元持续增长至目前的9.05亿元，工行深圳市分 ...

Group 1: Financial Support and Agricultural Development - The Industrial and Commercial Bank of China (ICBC) has provided over 20 million yuan in inclusive loans over three years, transforming saline-alkali land in Kashgar into productive rice fields [1] - ICBC Xinjiang Branch has launched a "Huangqi Crop Loan" specifically for traditional Chinese medicine cultivation, facilitating a 100,000 yuan loan for a farmer in Yili within one day [4] - The bank has introduced an online cotton financing service, providing over 3.5 billion yuan in loans to cotton farmers, significantly improving the efficiency of financial services [5] Group 2: Renewable Energy and Infrastructure Projects - ICBC Xinjiang Branch has successfully funded a 1 billion yuan project loan for a green hydrogen demonstration project, breaking traditional collateral models [2] - The bank has facilitated nearly 25 billion USD in cross-border settlements and foreign exchange transactions during the 14th Five-Year Plan period, supporting the development of Xinjiang as a key logistics hub [3] Group 3: Social Welfare and Community Services - ICBC Xinjiang Branch has issued 3.4 million social security cards, enhancing accessibility to social services across the region [6] - The bank has established 106 rural inclusive financial service points, improving financial service availability in remote areas [6] Group 4: Support for Small and Micro Enterprises - The bank has increased its inclusive loan balance by 5.6 times since the beginning of the 14th Five-Year Plan, significantly boosting support for small and micro enterprises [7] - ICBC Xinjiang Branch has developed over 30 regional financing solutions tailored for small businesses, enhancing their growth potential [7]

通讯员 宋开峰 德州报道 从手机银行月活用户突破百万的线上服务主阵地,到智慧校园、农业产业链等场景生态的深度渗透；从 RPA机器人替代人工的运营效率革命,到"人机协同"风控体系筑牢资金安全防线……在数字经济浪潮奔涌 向前的时代背景下,工行德州分行以"数字金融"为经纬,在德州大地上编织起一张覆盖城乡、链接产业、 服务民生的立体化"金融网"。 苦练内功 坚实自身,推动数字金融腾飞 打铁还需自身硬,工行德州分行深谙这一道理,苦练内功,为数字金融发展筑牢根基。 李梦晴 了解到企业融资需求后,工行德州宁津支行客户经理上门拜访,为企业量身推荐"产业e贷"融资方案。从整 理资料到资金到账,仅用不到两天时间,如今,新生产线已启动调试,该笔跨境订单正按计划赶工。 面对市场变化与客户需求升级,工行德州分行专注金融产品创新,针对产业集群痛点,推出线上标准化产品 矩阵,如"小微e贷""园区e贷""产业e贷",利用大数据风控实现"秒批秒贷",有效满足企业多元化融资需求。 这些创新产品如同"毛细血管",渗透到德州各大产业园区的每个环节。据了解,截至8月末,工行德州分行 通过"园区e贷""产业e贷",向全市2个国家级园区、11个省级园区共 ...

Core Viewpoint - Shenzhen has transformed from a small fishing village to a global innovation hub, with GDP growth exceeding 10,000 times over 45 years, driven by small and micro enterprises and inclusive finance [1][2]. Group 1: Economic Development - Shenzhen's economy is characterized by over 4.5 million registered business entities and 25,000 national high-tech enterprises, forming a robust industrial cluster in electronics, biomedicine, and high-end manufacturing [2]. - The "20+8" industrial cluster in Shenzhen is experiencing significant growth, with small and micro enterprises acting as the engine for economic growth and technological innovation [2]. Group 2: Inclusive Finance Initiatives - Shenzhen Industrial and Commercial Bank (ICBC) has established a comprehensive inclusive finance strategy, with a loan scale exceeding 200 billion yuan, positioning itself as a key financial partner in the region's development [3][12]. - The bank has set up 39 flagship inclusive finance outlets and has reached over 100,000 small and micro enterprises, effectively addressing the "last mile" of financial services [3]. Group 3: Innovative Financial Products - ICBC has developed tailored financial products such as "Yard e-loan" and "Green Loan" to meet the specific needs of small and micro enterprises, enhancing service quality through data-driven decision-making [4][5]. - The bank's innovative approach includes using third-party data analysis tools to assess creditworthiness for individual businesses, facilitating access to credit for small merchants [5]. Group 4: Technology Empowerment - The bank has integrated technology into its inclusive finance model, creating a digital ecosystem that enhances service efficiency and customer experience [7][8]. - ICBC has streamlined processes for loan applications and approvals, reducing the time for mortgage processing to under 8 hours, significantly improving operational efficiency [9]. Group 5: Ecosystem Building - ICBC emphasizes collaboration with government and other stakeholders to create a supportive ecosystem for small and micro enterprises, integrating financing, intelligence, and business support [10][11]. - The bank has established a credit information sharing mechanism and collaborates with government-backed financing guarantee institutions to lower financing costs for small businesses [10]. Group 6: Future Outlook - ICBC aims to continue its commitment to inclusive finance, supporting Shenzhen's development as a model for shared prosperity and sustainable growth [12].

在莲花山公园上空，无人机配送的"空降"；在南头古城街上，"机器人警察"与年轻人同框合影；后浪新 天地广场，智能石墩成了"新晋网红"，排队"给手机续命"的大有人在……45年峥嵘岁月，深圳已经成为 人们口中的"赛博鹏城"。 当前，深圳"20+8"产业集群正在茁壮成长。细观深圳经济的发展内核，小微企业是其最活跃的细胞，它 们不仅是经济增长的发动机，更是科技创新的生力军。如何在阡陌纵横的产业脉络中，通过金融活水最 大程度地激活细胞活力? 面对这一挑战，深圳工行给出了自己普惠金融这篇大文章的答卷。多年来，该行系统布局，从服务渠道 入手下沉服务，巩固加强网点普惠金融营销服务阵地作用。目前，该行设立39家普惠金融旗舰网点、19 家普惠金融标杆网点、83家普惠金融普及型网点，并组建了50支"普惠青年先锋队"，累计触达和服务小 微企业和个体工商户超10万户，打通了普惠金融服务"最后一公里"。深圳工行将普惠金融深度嵌入深 圳"20+8"产业集群、外贸出海、乡村振兴等重点战略场景，以普惠为底色，围绕科技、绿色、养老、数 字，在做好金融"五篇大文章"上持续发力，形成了具有深圳特色的普惠金融模式。 【立方都非報 奥一网oceee 时间 ...

Group 1 - The core viewpoint of the articles emphasizes the significant role of financial innovation in supporting the economic development of Tibet, particularly through the efforts of the Industrial and Commercial Bank of China (ICBC) Tibet Branch [1][2][3] - Since the beginning of the 14th Five-Year Plan, ICBC Tibet Branch has focused on serving national strategies and the real economy, with a total loan issuance of 179.2 billion yuan, marking a historical high growth rate of 13.9% year-on-year [1] - Financial products like "Cangsu Loan" and "Cangsu Loan e-loan" have effectively supported local tourism development, significantly increasing the income of transformed family inns by five times [1] Group 2 - The "Park e-loan" initiative has been launched to support the park economy, providing 74.6 million yuan in loans to meet the urgent funding needs of enterprises in the park [2] - In rural areas, ICBC Tibet Branch has developed tailored financial products such as "Snowy Agriculture e-loan" and "Cang Chicken Loan," which have contributed to a nearly 2.1 billion yuan increase in agricultural loans over the past three years [2] - The bank has also engaged in community support by sending 70 cadres to remote villages and donating over 20 million yuan in materials to improve local living conditions and education [3] Group 3 - ICBC Tibet Branch has established eight "Xingnongtong" financial service points in rural areas to fill the financial service gap, promoting the "Xingnongtong" app for inclusive financial services [4] - The bank's service teams, referred to as "Highland Financial Vanguard," actively deliver financial services and knowledge to farmers and herders in remote areas, enhancing financial accessibility [4] - The bank's efforts align with the central government's financial work meeting spirit and the action plan for financial innovation in border areas, aiming to strengthen financial services in underdeveloped regions [3]

Group 1 - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have issued guidelines to enhance financial services for rural reform and promote comprehensive rural revitalization, focusing on financing needs for specialty agricultural products and proposing differentiated credit policies [1] - The guidelines aim to address the financing bottleneck faced by agricultural entities due to difficulties in collateral and guarantees, thereby improving the success rate of agricultural credit [1] - Local banks are innovating financial products and services tailored to the characteristics of rural industries, such as whole-village credit assessments and specialized financial products for specific agricultural sectors [1][2] Group 2 - The Central Document No. 1 for this year emphasizes the promotion of live livestock and agricultural facilities as collateral for financing loans, encouraging banks to innovate collateral methods to better meet the financing needs of small and micro enterprises and farmers [2] - Financial institutions in various regions are collaborating with guarantee companies to innovate financial products, utilizing a risk-sharing model to alleviate the financing difficulties faced by small enterprises and the agricultural sector [2] - The importance of ecological assets as potential collateral for financing in the agricultural sector is highlighted, suggesting that financial institutions explore the use of ecological value to support rural financing [3]

Core Viewpoint - Shenzhen is accelerating the construction of a globally influential industrial technology innovation center, driven by significant R&D investments and a strategic focus on high-quality development [2][3]. Group 1: R&D Investment and Innovation - Shenzhen's R&D investment reached 223.66 billion yuan in 2024, with a growth rate of 18.9%, marking nine consecutive years of double-digit growth [2]. - The city's strategic emerging industries accounted for over 42.3% of the regional GDP in 2024, with advanced manufacturing as a core driver of high-quality development [3]. Group 2: Financial Support for Technology Enterprises - The Industrial and Commercial Bank of China (ICBC) Shenzhen Branch has restructured its technology financial services to support the growth of "hard technology" enterprises, focusing on long-term capital injection [3][4]. - By May 2025, the financing balance for technology enterprises at ICBC Shenzhen exceeded 160 billion yuan, with over 5,000 credit clients, reflecting a robust growth in its professional service system [4]. Group 3: Innovative Financing Mechanisms - ICBC Shenzhen has shifted its credit evaluation from traditional asset-based assessments to a focus on future value indicators, such as talent structure and R&D capabilities [6]. - The bank has developed a unique "three-in-one" evaluation mechanism that emphasizes the potential of technology enterprises rather than current financial metrics [6]. Group 4: Comprehensive Product Offerings - ICBC Shenzhen has created a diverse product matrix that supports technology enterprises throughout their lifecycle, including products for R&D investment and mergers and acquisitions [8]. - The bank has successfully implemented cross-border intellectual property pledge financing, facilitating the flow of technology resources between Hong Kong and mainland China [8]. Group 5: Ecosystem Development - ICBC Shenzhen is actively building a "technology innovation ecosystem" that connects government, capital markets, and industry resources, enhancing the integration of innovation, industry, and finance [9]. - The bank has organized over 20 investment roadshows, helping more than 120 small and medium-sized technology enterprises connect with national investment institutions [9]. Group 6: Digital Transformation - ICBC Shenzhen has developed a digital platform that enhances operational efficiency and supports technology enterprises in obtaining financing and tailored financial solutions [10]. - Since its launch, the digital platform has efficiently approved over 130 cutting-edge technology enterprises, showcasing the bank's commitment to leveraging technology in financial services [10].