固定资产贷款

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山东交行:精准赋能实体经济 助力药企“智”造升级
Zhong Guo Zheng Quan Bao· 2025-08-22 20:10
—CIS— 2024年,交行工作人员获悉该企业制药注射剂智能制造项目存在融资需求,且该项目已入围济南市技改 再贷款项目库。该项目实施后将有利于进一步完善企业产品线,助推其制药板块成为技术领先的慢病领 域领军者。基于企业实际需求,交通银行山东省分行为其量身定制了固定资产贷款方案,给予固定资产 贷款额度2.8亿元,用于该智能制造项目建设。截至2025年7月末,交通银行山东省分行已累计为该企业 发放项目贷款9700万元,有效缓解了企业资金压力,助力其稳健经营和持续发展。 未来,交通银行山东省分行将坚持以金融赋能实体经济、驱动区域经济高质量发展,不断优化融资结 构,延伸服务链条,为加快建设新时代现代化强省贡献更多交行力量。 作为该行长期合作伙伴,山东某制药有限公司与交通银行山东省分行建立了稳固的合作关系。该企业多 家子公司在交行开立结算账户,分行也始终关注着企业的新发展需求,坚持"以客户为中心"的服务理 念,多次深入企业开展调研,与企业高管、财务及生产人员进行面对面交流,全面了解其在生产、采 购、供应、销售等环节的实际困难和融资需求。 近年来,交通银行山东省分行始终坚持服务实体经济,积极转变服务方式,持续提升金融服务 ...
浦发银行合肥分行:为革命老区高质量发展输入金融“活水”
Zhong Guo Jin Rong Xin Xi Wang· 2025-08-07 05:37
2022年5月,国家发展改革委印发《革命老区重点城市对口合作工作方案》,明确上海与六安结为对口 合作城市。浦发银行合肥分行勇当对口合作"金融桥",创优金融服务、强化金融供给,为革命老区高质 量发展输入金融"活水"。截至今年5月末,该行已累计为六安经济发展提供金融支持近50亿元。 金融引擎,驱动产业振兴 近年来,浦发银行合肥分行围绕农村供水保障工程、乡村清洁能源建设工程、"数字皖农"建设工程等重 点领域,以项目化、清单化管理方式,灵活运用固定资产贷款、基本建设贷款、中期流动资金贷款等金 融产品支持老区基础设施建设,自2016年起,已为六安市提供中长期贷款累计超13亿元。 金安脆桃、六安瓜片、皖西大白鹅……丰富的特色农产品是六安地区的特色资源。浦发银行合肥分行精 准对接当地产业发展需求,高效提供金融服务。围绕六安"一只鹅"的160亿元产业规模,浦发银行合肥 分行聚焦中小企业融资难问题,为六安市某羽毛有限公司提供800万贷款,帮助企业盘活产能,实现生 产技术升级换代。 转自:新华财经 精准滴灌,助力科技创新 编辑:赵鼎 六安中财管道科技有限公司是中财集团化学建材业的核心力量之一,也是国家级绿色工厂建设的典范企 业, ...
探索多元化金融服务路径提升农机贷款可获得性——访农行云南玉溪分行副行长邓迪泉
Zheng Quan Ri Bao Zhi Sheng· 2025-08-03 15:13
Core Viewpoint - The Agricultural Bank of China Yuxi Branch is committed to supporting the development of agricultural machinery equipment, which is crucial for building a strong manufacturing country and ensuring national food security [1][2]. Financial Support Measures - The bank offers various credit products for agricultural machinery purchase, leasing, or upgrading, including fixed asset loans, technology loans, and personal loans, with a total of 44.24 million yuan in loans supporting agricultural machinery as of June [1][2]. - The bank's support for agricultural machinery is a concrete measure to implement the rural revitalization strategy, promoting agricultural technology upgrades and improving the bank's credit structure [1]. Risk Management Strategies - The bank addresses the unique risks associated with agricultural machinery loans through financial technology, innovative risk-sharing mechanisms, and optimized loan methods, enhancing the accessibility and sustainability of these loans [2]. - The bank utilizes mobile internet, big data, and artificial intelligence for online processing of loans, and offers flexible repayment options to alleviate cost pressures on agricultural enterprises and farmers [2]. Future Plans - The bank plans to continue innovating and promoting credit products, focusing on high-quality small and micro enterprises in the agricultural sector [3]. - It aims to enhance financial coverage for agricultural industrial chains, particularly for leading enterprises, and increase loan support for green and intelligent agricultural machinery [3]. - The bank will leverage central bank policies to provide preferential interest rate loans for the replacement of old agricultural machinery and the procurement of intelligent agricultural equipment [3].
新思想引领新征程丨以金融“活水”助力经济高质量发展
Yang Guang Wang· 2025-07-28 02:17
Group 1 - Financial institutions are optimizing resource allocation and enhancing efficiency in serving the real economy, which is crucial for high-quality economic development [1] - In Tongren City, Guizhou Province, a local credit cooperative provided a 2 million yuan green finance loan to support the upgrade of new energy equipment in tea plantations [1] - Shengyuan Carpet Group in Xining, Qinghai Province, received 8 million yuan in fixed asset loans to introduce advanced intelligent production equipment, significantly improving production efficiency and product quality [2] Group 2 - In the first half of the year, China's social financing scale exceeded 430 trillion yuan, with new loans nearing 13 trillion yuan, creating a favorable monetary environment for economic recovery [2] - The China Bank's Shaanxi branch introduced 16 measures to support technological innovation, including R&D loans and incubation loans, with R&D loans extending up to 10 years [2] - Financial support for key sectors such as advanced manufacturing, technological innovation, and private economy has seen rapid growth, with the establishment of government industry funds in Pinghu City to alleviate financing difficulties [3] Group 3 - The National Development and Reform Commission, along with the Ministry of Finance, allocated 69 billion yuan in special bonds to support the consumption of old goods, promoting positive outcomes in the replacement of consumer goods [3] - Retail sales of consumer goods increased by 5% year-on-year, with significant growth in categories such as home appliances and automobiles, driven by the consumption stimulus [3] - The People's Bank of China plans to implement a moderately loose monetary policy to enhance the quality and efficiency of financial services for the real economy [4]
多样化选择解锁暑期文旅新玩法 带动夏日消费潜能加速释放
Yang Shi Wang· 2025-07-25 03:13
Group 1: Tourism Market Trends - The tourism market in China is experiencing a surge with the arrival of summer, particularly in rural tourism, which offers unique natural scenery and cultural experiences [1] - The "Rural Art Course" exhibition in Zhejiang showcases over 20 groups of youth art installations created by more than 3,000 rural children, highlighting the integration of art and tourism [1] - Various regions, including Jiangsu and Fujian, are enhancing their tourism offerings with activities such as agricultural experiences and traditional craft workshops, attracting more visitors [3][5] Group 2: Night Tourism and Consumption - Night tourism is gaining popularity, with vibrant night markets in cities like Taiyuan and Suzhou offering diverse food and entertainment options, contributing to increased consumer spending [6][8] - The lakeside square in Suzhou has transformed into a social hub, featuring live performances and food stalls, enhancing the summer night experience for tourists [10] Group 3: Diverse Summer Activities - Regions like Jiangxi, Hebei, and Anhui are providing various summer activities, such as the "lying in the creek" experience in Wugong Mountain, which appeals to tourists seeking relaxation [11] - Innovative tourism projects in Qinhuangdao, such as giant mech-themed water parks and holographic shows, are attracting large crowds and extending visitor stays [13] Group 4: Financial Support for Tourism Development - Financial institutions are actively supporting tourism projects, with the Postal Savings Bank in Chizhou providing 409 million yuan in credit to six tourism enterprises, facilitating asset integration and facility upgrades [17]
浙江余村:金融活水浇灌绿水青山
Ren Min Wang· 2025-07-04 01:11
Core Viewpoint - The article highlights the transformation of Yucun village in Zhejiang, China, from an environmentally damaging industrial village to a sustainable tourism destination, emphasizing the integration of ecological preservation and economic development through innovative financial support and community collaboration [1][3][9]. Group 1: Economic Transformation - Yucun village experienced significant economic growth in the late 1990s, with a collective annual income of 3 million yuan, primarily from mining activities [1]. - The village faced environmental degradation due to industrial activities, leading to a drastic drop in collective income to 210,000 yuan at its lowest point [1]. - Following the introduction of the "Green Mountains and Clear Water are Gold and Silver Mountains" concept in 2005, Yucun shifted its focus to eco-tourism, revitalizing its economy by "selling scenery" [1][3]. Group 2: Financial Support and Development Initiatives - Since 2018, Agricultural Bank of China Zhejiang Branch has implemented "financial autonomy" in Yucun, providing comprehensive financial services to support local entrepreneurship, particularly in tourism-related projects [3][8]. - The bank issued a loan of 11 million yuan for the renovation of a guesthouse, enhancing the visitor experience with local crafts and art [3]. - In 2022, the bank provided a loan of 570 million yuan for various projects, including landscape renovation and sewage treatment, facilitating the transformation of the area into a tourist attraction [4][5]. Group 3: Collaborative Development and New Projects - Yucun initiated a collaborative development model with neighboring villages, forming a "1+1+4" partnership to enhance resource sharing and brand development [4]. - The "Big Yucun" scenic area project, launched in 2022, aims to integrate 24 surrounding villages, creating a large-scale tourism and economic hub [4][6]. - The opening of the Yunshang cableway in June is expected to increase visitor traffic by 30%, enhancing connectivity and tourism potential [5][6]. Group 4: Youth Engagement and Innovation - The village launched a "Global Partner Program" in 2022 to attract talent in various sectors, resulting in over 60 projects and 1,200 university students settling in the area [6][8]. - Agricultural Bank's initiatives include tailored financial products for young entrepreneurs, providing up to 10 million yuan in support [8]. - Yucun has become a hub for new business models, including the first "rural metaverse" project and various cultural events, revitalizing the local economy with fresh ideas [8]. Group 5: Broader Implications and Future Outlook - The success of Yucun serves as a model for rural revitalization in Zhejiang, demonstrating how ecological advantages can be transformed into economic benefits [8][9]. - As of June, the Agricultural Bank's agricultural loan balance exceeded 870 billion yuan, with green credit surpassing 690 billion yuan, indicating strong financial support for rural development [9].
恒丰银行:绿色金融赋能 书写“节能增效 焕新引领”实践答卷
Qi Lu Wan Bao· 2025-06-26 15:16
Core Viewpoint - The company is committed to promoting green finance and supporting the transition to a low-carbon economy, aligning with national "dual carbon" goals to enhance high-quality development [1] Group 1: Green Financial Support - The company is increasing financial support for green, low-carbon, and circular economies, aiming to establish itself as a recognized green finance brand and climate-friendly financial institution [1] - The company is focusing on innovative services to address the challenges of green infrastructure investment, utilizing diverse financing tools to meet local energy upgrade needs [2] Group 2: Specific Projects and Innovations - In Shandong Zaozhuang, the company approved a 450 million yuan fixed asset loan for distributed energy storage projects, which will install 494 energy storage devices with a total capacity of 494 MWh, significantly reducing electricity costs by 20% and lowering carbon emissions [4] - The company is implementing tailored financial service plans to assist traditional industries in their transition to low-carbon and intelligent operations, integrating "green genes" into industrial development [5] - In Jiangsu Taixing, the company provided a 200 million yuan fixed asset loan to support a company's transition from traditional landscaping to an intelligent data service platform, enhancing energy efficiency and reducing energy consumption [7] Group 3: Environmental and Community Impact - The company is actively involved in supporting environmental projects, such as providing a 100 million yuan loan to an environmental enterprise in Changshu for organic waste treatment and recycling, enhancing the company's capabilities in waste management [10] - The company is focusing on key areas such as energy conservation, pollution reduction, and carbon reduction, increasing green credit issuance to support regional energy security and low-carbon development [11] - The company acted as a lead underwriter for a 1 billion yuan sustainable bond issuance, which is linked to the expansion of a natural gas pipeline, expected to reduce coal consumption and lower carbon emissions by approximately 699.37 tons [12]
建行威海分行:政府“搭台”,银行发力 高效融资点亮热电升级“民生暖光”
Qi Lu Wan Bao· 2025-06-25 12:12
Core Viewpoint - The upgrade of the heating system in the western urban area of Weihai is significantly improving the living conditions of residents and stabilizing production for enterprises, supported by a 329 million yuan loan from the Construction Bank Weihai Branch [1][2]. Group 1: Project Overview - The Weihai Zhongyin Thermal Power Co., Ltd. is responsible for both steam supply to industrial parks and heating for residents in the western urban area of Wendeng District [2]. - The project, with a total investment of 469.87 million yuan and a financing plan of 329 million yuan, was approved at the end of 2022 and began implementation in 2023 [2][3]. - The project aims to replace the aging heating system to improve living quality and ensure stable production for enterprises [2]. Group 2: Financing Process - The Construction Bank Weihai Branch established a special team to expedite the financing process, transforming a sequential approval process into a parallel one [2][3]. - The entire financing process took only 26 working days, setting a record for similar projects, with a total of 284.6 million yuan already disbursed [3]. Group 3: Collaboration and Problem Solving - The project benefited from effective collaboration among the bank, government, and enterprise, which resolved discrepancies in environmental impact documentation swiftly [5]. - The local government and financial institutions worked together to ensure compliance and expedite necessary approvals, showcasing strong support for key livelihood projects [5]. Group 4: Environmental Impact - The new natural gas heating system is replacing old coal-fired boilers, aligning with national green finance initiatives and carbon reduction goals [7]. - The project is expected to save approximately 50,000 tons of standard coal annually and reduce carbon dioxide emissions by 130,000 tons, equivalent to planting 700,000 trees [7]. Group 5: Broader Implications - The successful implementation of this project serves as a model for financial support of major livelihood projects, demonstrating effective collaboration between financial institutions, local governments, and enterprises [8]. - The project not only addresses immediate heating needs but also contributes to long-term environmental benefits and economic vitality in the region [8].
汉阴县政银企恳谈会在陕西农信汉阴农商银行召开
Sou Hu Cai Jing· 2025-06-23 05:32
Core Viewpoint - The meeting aimed to enhance the financing support for small and micro enterprises in Hanyin County, optimizing the local business environment and deepening cooperation between government, banks, and enterprises [1][3]. Group 1: Meeting Overview - The "Government-Bank-Enterprise Consultation Meeting" was held on June 20 at Hanyin Rural Commercial Bank, attended by various government officials and business representatives [1]. - The Hanyin County Development and Reform Bureau reported on the optimization of the business environment for the first half of 2025, while the Economic and Science Bureau explained policies to support enterprises [3]. Group 2: Financial Support Initiatives - Hanyin Rural Commercial Bank introduced various financial products for small and micro enterprises, including Qin V Loan, Honest Tax Loan, Government Procurement Loan, Entrepreneurial Guarantee Loan, Fixed Asset Loan, and Working Capital Loan, detailing their eligibility criteria, interest rates, and loan terms [3]. - The bank signed credit agreements totaling 35 million yuan with six enterprises and expressed intentions to provide an additional 46 million yuan to five other enterprises [5]. Group 3: Economic Impact and Performance - Since the beginning of the year, Hanyin Rural Commercial Bank has focused on the real economy, providing loans totaling 467 million yuan to 48 small and micro enterprises and issuing credit loans of 660 million yuan to nearly 4,600 market entities [5]. - The bank's total loan balance reached 5.219 billion yuan, with corporate loans amounting to 1.825 billion yuan, reflecting a net increase of 160 million yuan [5]. - The bank achieved a 2A rating in the 2024 small and micro enterprise financial service evaluation, ranking second among financial institutions in Ankang [5]. Group 4: Future Strategies - Hanyin Rural Commercial Bank plans to address the financing challenges faced by private enterprises by focusing on key industry needs and utilizing development funds to broaden financing channels [6]. - The bank aims to improve loan approval efficiency and ensure timely responses to enterprise needs by implementing transparent lending practices and having leadership engage directly with clients [6].
建行江西省分行多措并举,助力长江经济带高质量发展
Xin Lang Cai Jing· 2025-06-19 03:37
Core Viewpoint - The news highlights the collaborative efforts of financial institutions, particularly the Construction Bank of Jiangxi Province, in supporting infrastructure and cultural projects in Jiujiang, enhancing both economic development and environmental protection [3][6][8]. Group 1: Infrastructure Development - Jiujiang's geographical advantages, including a 152-kilometer golden coastline along the Yangtze River, have spurred its development as a key port city [1]. - The Construction Bank of Jiangxi has actively participated in the Yangtze River Economic Belt construction, focusing on ecological protection and green development [3]. - The upgrade project for the public container terminal at Ruichang Port aims to enhance port capacity and efficiency, with an investment of nearly 600 million yuan [4][6]. - The bank's specialized service team successfully facilitated a 300 million yuan construction loan for the port upgrade project, addressing the funding gap and enabling project initiation [6][7]. Group 2: Environmental Protection - Following severe flooding, the Jiujiang municipal government initiated a comprehensive flood control plan, including the public bidding of operational rights for seven key reservoirs [8]. - The Construction Bank provided 250 million yuan in fixed asset loans to a newly established company, leveraging the reservoir operating rights as collateral, thus overcoming financing challenges [8]. - The bank has supported 26 water-related projects in Jiujiang, with a total loan balance exceeding 7.1 billion yuan, positioning itself as a leader in local financial support for water environment governance [8]. Group 3: Cultural Heritage and Tourism - The Ruichang Tongling Copper Mine site, recognized as a significant archaeological site, is being developed into a cultural tourism project, enhancing local tourism resources [9]. - The Construction Bank tailored a financing solution of 120 million yuan for the project, utilizing a combination of project revenue rights and corporate guarantees to mitigate risks [9][10]. - The ongoing development of the copper mine archaeological park is expected to revitalize the local economy and cultural landscape [10].