小微企业是国民经济的"毛细血管"，承载着亿万市场主体的活力与韧性，也是稳就业、保民生、促创新 的重要基石。 普惠金融，润泽百业发展，是滴灌小微成长的源头活水。以"支持实体、服务中小"作为经营宗旨的宁波 银行（002142），始终将普惠金融置于全行发展战略的突出位置，以陪伴者的姿态、赋能者的角色、共 建者的视野，与万千小微企业并肩前行，助力实体经济高质量发展。 全周期护航小微企业发展壮大 长期以来，众多小微企业面临"轻资产、缺抵押"的融资梗阻，为了疏通这一堵点，宁波银行从小微企业 的实际经营场景出发，深入市场调研并创新推出"小微贷""容易贷""出口极贷""科创贷""订单贷"等一系 列纯信用信贷产品组合，打破传统信贷模式下对抵押物的过度依赖。 与此同时，该行还通过简化申请材料、落实专属优惠政策、推广无还本续贷等举措，切实降低小微企业 融资难度，让众多经营稳定的小微企业能够便捷地获得"源头活水"。 以财资大管家为例，作为国内资金管理标杆平台，财资大管家通过整合企业内部的财务系统、银行系统 以及其他相关系统，为企业提供跨银行、跨区域、跨分子公司的资金管理，极大地提升了资金使用效 率。 某新能源汽车运营服务商麾下拥有1 ...

Core Viewpoint - The article discusses how banks, particularly Ningbo Bank, are evolving their service methodologies and tools to meet the increasingly diverse and non-standardized needs of various enterprises, including small and medium-sized enterprises and technology companies [1]. Group 1: Service Methodologies - Banks are enhancing their foundational lending capabilities by optimizing risk management and credit standards, which includes offering preferential policies to improve decision-making efficiency and expanding their product offerings to provide targeted credit support throughout the enterprise lifecycle [2]. - There is a growing recognition of the importance of equity financing, value-added services, and ecosystem development for customer acquisition and retention, leading banks to extend their services beyond traditional lending [2][3]. Group 2: Case Studies of Ningbo Bank - Ningbo Bank exemplifies this approach by providing comprehensive services to enterprises, including facilitating equity financing, assisting with compliance for overseas operations, and supporting equipment procurement [4]. - The bank has successfully helped establish and manage 324 industrial funds totaling 240 billion yuan, focusing on sectors like information technology, biomedicine, and high-end manufacturing, while also facilitating investments in 321 innovation projects [6]. Group 3: Globalization and Customized Services - Ningbo Bank has developed a financial management system that integrates various resources to enhance efficiency for enterprises, particularly targeting the challenges faced by small and medium-sized businesses in international markets [7]. - The bank's "Bobo Zhiliao" platform offers specialized services, such as carbon tax declaration assistance, which simplifies compliance for exporting companies [8]. Group 4: Equipment Update and Cost Reduction - Ningbo Bank has launched the "Equipment Home" platform to help enterprises manage equipment updates, aiming to reduce rigid costs associated with hardware investments [10]. - The platform has facilitated over 50 billion yuan in equipment transactions and has served more than 19,000 enterprises, demonstrating its effectiveness in integrating financial services into real business scenarios [12][13].

作为全国系统重要性银行、全球百强银行，宁波银行始终以"专业创造价值"为内核，以"真心对客 户好"为底色，在"十四五"时期国家金融改革发展的浪潮中，精准锚定科技金融、绿色金融、普惠金 融、养老金融、数字金融"五篇大文章"战略导向，以金融活水精准滴灌实体经济，用专业担当诠释国有 金融机构的社会责任，在服务国家战略、推动经济转型的实践中书写了高质量发展的亮眼答卷。 "十四五"时期是我国经济由高速增长阶段转向高质量发展阶段的关键时期，也是金融行业深化改 革、回归本源的攻坚阶段。五年来，宁波银行牢牢把握国家战略导向，将自身发展深度融入经济社会发 展大局，以差异化经营策略破解发展难题，以数字化转型赋能服务升级，实现了规模、效益与质量的协 同跃升。 尤其在2025年这一"十四五"收官关键节点，宁波银行银行经营业绩再创新高，核心经营指标持续领 跑行业：截至9月末，资产总额首次突破3.5万亿元大关，达35783.96亿元，较年初增长14.50%，彰显了 强劲的资产扩张能力与综合实力；前三季度实现归属于母公司股东的净利润224.45亿元，同比增长 8.39%，在复杂严峻的内外部经营环境下保持了稳健的盈利增长态势。 在规模稳步增长 ...

普惠金融一头系着社会大众对美好生活的向往，一头连着国民经济发展大局，是金融服务实体经济 的"毛细血管"，更是推动共同富裕的重要纽带。中央金融工作会议明确将普惠金融列为"五篇大文章"之 一，凸显了其赋能实体经济的重要作用。 多年来，宁波银行坚守"金融为民"初心，以"真心对客户好"的服务理念，打破传统信贷边界，构建起了 多层次、立体化的普惠金融综合服务体系。从为小微企业量身定制信贷产品破解融资困局，到以数字化 工具优化企业经营管理，再到用开放化平台链接产业生态资源，宁波银行完成了从"资金输血"到"综合 赋能"的跨越，正书写着普惠金融的新篇章。 以"小微贷"为例，该产品依托大数据，整合企业纳税、水电费缴纳、交易流水等多维信息进行精准画 像，构建科学信用评价体系，替代传统抵押物成为授信核心依据。据了解，"小微贷"最高可提供300万 元信用额度，实现了快速审批、快速放款，极大提高了企业的融资效率。数据显示，仅2025年上半 年，"小微贷"就为超过2万家小微企业提供超380亿元的信贷支持，有效满足了小微企业的流动资金需 求。 浙江余姚某茶厂正是"小微贷"受益者之一，其主营粗制茶加工，年销售额逾500万元。正值春茶收购黄 ...

Group 1: Digital Transformation and Financial Services - Ningbo Bank leverages digital transformation to enhance financial services, enabling small businesses to apply for loans quickly and receive funds on the same day [2] - The bank has introduced a range of credit products tailored for small enterprises, addressing their unique financing challenges by reducing reliance on collateral [6][7] - A comprehensive financial service platform has been developed, integrating various functionalities to streamline processes for businesses [7] Group 2: Support for Technology and Innovation - Ningbo Bank has established industry funds to support technology-driven enterprises, facilitating their growth and development [3][4] - The bank's initiatives have led to the successful establishment of multiple industry funds, totaling 4.37 billion yuan, focusing on advanced sectors like robotics and high-end manufacturing [4][5] - A dedicated technology finance department is set to be established to provide lifecycle services for tech enterprises, enhancing support for innovation [5] Group 3: Green Finance Initiatives - The bank is actively promoting green finance by converting environmental benefits into financial value through data-driven solutions [8][9] - Services like "波波知了" have been introduced to help companies monitor energy consumption and improve efficiency, contributing to cost savings [8] - The bank has developed a green finance management system that incorporates ESG requirements into its credit management processes [9] Group 4: Commitment to Sustainable Development - Ningbo Bank is committed to investing 5% of its annual revenue into technology and digital product development, positioning itself as a leader among publicly listed banks [11] - The bank has implemented innovative financial solutions to assist businesses in optimizing their operations and reducing costs [11][12] - Ongoing efforts are focused on enhancing service delivery to meet the diverse needs of clients, thereby fostering sustainable economic growth [12]

Core Viewpoint - The article discusses the challenges and solutions related to foreign exchange risk management for enterprises in the context of fluctuating RMB exchange rates, emphasizing the role of AI and technology in enhancing risk management capabilities [1][2][6]. Group 1: Exchange Rate Fluctuations - On September 1, the People's Bank of China announced that the central parity rate of the RMB against the USD was 7.1072, a depreciation of 42 basis points from the previous day [1]. - In August, the RMB appreciated by 466 basis points against the USD, highlighting the volatility in exchange rates that enterprises must manage [1]. Group 2: Challenges Faced by Enterprises - Enterprises face three main types of exchange rate risks: cash flow loss due to currency fluctuations in cross-border transactions, financial risks from currency translation in consolidated financial statements, and impacts on product competitiveness and profitability [2][5]. - The long order cycles (3-6 months) exacerbate cash flow loss risks, directly affecting profits [2]. Group 3: Technological Solutions - Shanghai Bank is developing AI-driven tools for risk diagnosis and automated hedging solutions to help SMEs manage market risks more efficiently [1][2]. - The integration of big data, cloud computing, and AI in products like "Foreign Exchange Gold Manager" aims to enhance risk management capabilities for enterprises [1][2]. Group 4: Online Trading Benefits - Online trading provided by Shanghai Bank allows enterprises to match their cash flow characteristics, enabling efficient foreign exchange hedging operations [3]. - The transparency and real-time nature of online trading improve market opportunity management and enhance fund management efficiency [3]. Group 5: AI Applications in Risk Management - AI applications in foreign exchange risk management are increasing, with banks like Standard Chartered and Citibank collaborating with Ant International to develop AI-driven solutions for real-time risk management [4][5]. - AI can simplify complex risk management strategies, monitor exchange rate fluctuations, and optimize hedging operations, thereby reducing operational difficulties for enterprises [5]. Group 6: Recommendations for Enterprises - Enterprises are encouraged to incorporate exchange rate fluctuations into daily financial decisions and focus on core business operations to mitigate negative impacts [6]. - Establishing dedicated risk management teams and implementing a tiered risk warning mechanism can enhance the effectiveness of foreign exchange risk management [5][6].

Core Viewpoint - Ningbo Bank is leveraging its local financial strength to innovate cross-border financial services, supporting export-oriented enterprises and contributing to Ningbo's high-level openness [1] Group 1: Process Optimization - Cross-border settlement has been accelerated to "second-level" speed, with simplified client classification and approval processes, resulting in a 40% efficiency increase and saving 1-3 days in preparation time for businesses [2] Group 2: Currency Integration - Ningbo Bank has launched an all-currency, fully online cross-border fund pool service, enhancing global fund management for enterprises and improving fund turnover rates by 30% [3] Group 3: E-commerce Support - The bank has developed a "one-stop" service for cross-border e-commerce, integrating over 40 services including settlement, financing, and exchange rate management [4] - A "Cross-border E-commerce Financial Manager" service has been introduced to support the entire lifecycle of export e-commerce, reducing financial costs by 15% and significantly increasing efficiency [6] Group 4: Inclusive Finance - To address financing challenges for small and medium-sized enterprises, Ningbo Bank has introduced a fully online "Export Extreme Loan" product, which has reduced the average financing cycle by 70% and provided immediate funding for export businesses [7]

Group 1 - Ningbo's economy has a foreign trade dependency exceeding 80%, with private enterprises playing a crucial role [1] - The People's Bank of Ningbo has enhanced policy guidance and financing channels to support foreign-related enterprises, allocating a special quota of 10 billion yuan for agricultural and small loans [1] - Ningbo Boling Electric Co., Ltd. has benefited from low-cost credit financing and cross-border financial services provided by local banks, significantly reducing costs [1] Group 2 - Ningbo Bank has introduced the "Foreign Exchange Gold Manager" system, offering 24/7 online services for import and export enterprises, facilitating over 200 business operations [2] - The "Foreign Exchange Gold Manager" system has successfully assisted numerous foreign trade enterprises in managing exchange rate fluctuations and cash flow issues, serving over 3,700 freight forwarding companies [2] - The People's Bank of Ningbo has launched the "Yonghui Tong" rediscount tool to meet the discount needs of 2,578 enterprises, combining monetary policy tools with fiscal subsidies to support small foreign trade enterprises [2]

Core Viewpoint - Ningbo Bank has developed an integrated service system of "financing + intelligence" to address the transformation challenges faced by cross-border e-commerce enterprises, particularly in the context of the evolving global trade landscape [2][4]. Group 1: Industry Context - Cross-border e-commerce has transitioned from a "new business model" to a "new normal," becoming a significant driver of economic growth, especially in Shenzhen, which is projected to exceed 300 billion yuan in cross-border e-commerce import and export volume by 2024 [4]. - As the initial advantages of rapid growth diminish, cross-border e-commerce sellers are now required to focus on brand building and global expansion, facing challenges such as compliance with overseas intellectual property laws and navigating complex international financial environments [4][5]. Group 2: Challenges Faced by Enterprises - The shift from a "stocking" model to brand-oriented operations presents new challenges, including compliance risks related to intellectual property, which can lead to severe consequences such as product delisting and legal disputes [5]. - Marketing challenges arise from high traffic costs and the need for effective brand outreach, with traditional marketing methods becoming less effective and new social media strategies facing difficulties in execution [5][6]. - Financial management issues are prevalent, with cross-border e-commerce businesses often facing high inventory financing needs, long payment recovery cycles, and significant foreign exchange risks [6]. Group 3: Ningbo Bank's Solutions - Ningbo Bank has integrated financial and non-financial services to provide a comprehensive solution for cross-border e-commerce enterprises, focusing on both "financing" and "intelligence" [7]. - The "Bobo Zhiliao" platform offers services such as risk detection for intellectual property and marketing support, enabling businesses to mitigate risks and enhance their marketing effectiveness [7][8]. - The bank has introduced innovative financing products like "Export Extreme Loan," allowing businesses to access up to $2 million in credit through a fully online process, addressing the urgent cash flow needs of e-commerce enterprises [8]. Group 4: Ecosystem Development - Ningbo Bank aims to create a "tropical rainforest" service ecosystem that combines online and offline resources, as well as financial and non-financial services, to support cross-border e-commerce enterprises [9]. - The bank has facilitated over $2 billion in cross-border settlement services for more than 200 e-commerce companies in Shenzhen, establishing itself as a reliable financial partner in the region [10]. - By organizing various events and workshops, the bank provides valuable insights into policies and practices relevant to cross-border trade, fostering collaboration and knowledge sharing among enterprises [10].

Group 1 - Shenzhen Kolaide Electronics Co., Ltd. specializes in the research, development, production, and sales of in-vehicle smart multimedia players, with an annual export volume reaching approximately 30 million USD [2] - The company faced challenges in cross-border payment efficiency, foreign exchange operations, and risk management as its foreign trade business continued to grow [2] - Ningbo Bank Shenzhen Branch provided a smart cross-border financial platform that enabled Kolaide to access real-time order, logistics, and fund flow information, enhancing their financial service experience [2] Group 2 - Ningbo Bank has been actively responding to national policy directions and has created a one-stop comprehensive service platform called "Bobo Zhiliao" to support Chinese enterprises in their overseas expansion [3] - The platform offers various financial services, including cross-border fund settlement, currency exchange, and risk management, to enhance the quality of cross-border financial services [3][6] - The bank aims to empower Chinese enterprises to achieve multiple benefits such as increasing revenue, saving costs, and managing funds effectively [3] Group 3 - The "Overseas Customer Assistant" feature of the "Bobo Zhiliao" platform helps Chinese enterprises quickly identify potential overseas customers and understand competitive dynamics [9][10] - This tool has successfully connected companies with overseas clients, leading to significant new orders and facilitating market expansion [10] - The platform has integrated compliance data from over 200 countries, providing tailored functionalities for Chinese enterprises to gain insights into global trade [9] Group 4 - Ningbo Bank has introduced specialized services for cross-border e-commerce, including product infringement detection and comprehensive market analysis reports [11] - These services help enterprises avoid economic losses from infringement issues and provide insights into consumer preferences and market trends [11][12] - The bank is committed to building a comprehensive ecosystem for cross-border e-commerce, facilitating communication and collaboration among industry players [12] Group 5 - As of April 10, 2025, Ningbo Bank will celebrate its 28th anniversary, marking a new starting point for deepening the application of digital financial platforms [12] - The bank aims to support Chinese enterprises in their global market endeavors by focusing on high-quality development and integrating finance with industry [12]