"天马行空"的创意要落地生根，离不开金融"活水"的持续浇灌。在文化强国战略深入推进的新阶段，文 化产业转型升级步伐加快，两大趋势日益凸显。 一方面，"文化+科技"加速融合，成为新质生产力的重要赛道。深度融合人工智能、AIGC、虚拟制片等 前沿技术的科技型文化企业，往往研发投入大、变现周期长且具有轻资产特点，对金融支持的精准性与 适配性提出更高要求。 另一方面，以网络文学、网络游戏、网络影视剧为代表的文化"新三样"出海提速，文化企业对跨境结 算、资本运作及全球合规等综合金融服务的需求日益迫切。 不同于提供传统的信贷支持，中国银行广东省分行（下称"广东中行"）更注重以"商行+投行"思维介入 文化企业全生命周期，通过"科技通宝""创新积分贷"等工具赋能科技型文化企业突破研发瓶颈；也依托 全球化网络与综合化服务优势，助力文化企业高效拓展海外市场。 11月26日，2025粤港澳大湾区文化产业投资大会在广州开幕，广东中行作为大会协办单位参会，为文化 企业带来集"投、贷、服"为一体的全方位综合服务方案。 这种"既懂科技、又通国际"的服务能力，正在为广东打造粤港澳世界级数字文化中心提供强有力的金融 支撑，助力文化企业既"飞得 ...

制造业是立国之本、强国之基。"十四五"以来，工商银行深入贯彻落实党中央决策部署，聚焦制造强国 战略，持续加大制造业贷款特别是中长期贷款的投放力度，助力加快建设以先进制造业为骨干的现代化 产业体系，打造发展新质生产力的主阵地。目前，工商银行制造业贷款突破5万亿元、制造业中长期贷 款及信用贷款双破2万亿元，"十四五"以来均实现3倍增长。 用好政策工具 扩大银政企合作"朋友圈" 工商银行围绕扩大中长期贷款投放专项工作机制，持续加大重点项目信贷支持；依托技术改造再贷款工 具，深入开展"工助升级 贷动更新"金融支持大规模设备更新专项行动，相关领域信贷投放领跑同业； 在相关部门指导下开展"工银惠群"支持先进制造业集群专项行动，全面服务80个国家级集群。 "以前贷款卡在抵押物上，我们这种轻资产企业只能干着急。"河南洛阳某轴承配套厂负责人说道。针对 该企业融资痛点，工行河南洛阳分行创新推出"轴承贷"，该轴承配套厂仅凭订单、纳税等经营数据即可 获得信用贷款，从提出贷款申请到收到资金仅用两天时间。"轴承贷"产品推出两个月内，超亿元资金迅 速注入轴承产业链，为46家轴承制造企业提供金融支持。目前该行已把此模式复制到农机、重工等更多 ...

Core Insights - The article highlights the innovative financial services provided by China Construction Bank (CCB) Shenzhen Branch to support foreign trade enterprises in response to the evolving international economic environment and diverse financial needs [1][6] Group 1: New Payment Tools - CCB Shenzhen Branch has launched the "Cross-Border Easy Payment" system, enabling enterprises to conduct cross-border payments quickly and at lower costs, enhancing the efficiency of cross-border trade [2] - This new payment tool utilizes blockchain technology for point-to-point payments, significantly improving payment efficiency by eliminating multiple intermediary steps [2] Group 2: New Account System - The bank has developed a flexible account matrix to accommodate the diverse needs of foreign trade enterprises, allowing them to manage multiple currencies with a single account [3] - The expansion of the pilot program for integrated domestic and foreign currency accounts aims to enhance service coverage across over 80% of foreign exchange outlets in Shenzhen [3] Group 3: New Settlement Channels - CCB Shenzhen Branch has introduced a "Cross-Border E-commerce Sunshine Settlement" solution to support the compliance and healthy development of cross-border e-commerce [4] - The bank has connected with Shenzhen's cross-border e-commerce online service platform to streamline the collection and settlement processes for small sellers [4] Group 4: New Financing Products - The bank has expanded its "Cross-Border Quick Loan" product line to provide online, unsecured, and low-cost financing options for small and micro foreign trade enterprises [5] - The introduction of various financing products, such as "Foreign Trade Loan" and "Insurance Loan," aims to meet the diverse financing needs of enterprises engaged in international trade [5] Group 5: Policy Support and Market Impact - The financial innovations are backed by strong policy support from the "Shenzhen Comprehensive Reform Pilot Program" and the "Thirty Measures for Financial Support in Qianhai," which provide clear development guidance [6] - The number of foreign trade enterprises served by CCB Shenzhen Branch has steadily increased, with a nearly 45% year-on-year growth in cross-border RMB settlement [6]

Core Insights - The article highlights the innovative financial services provided by China Construction Bank (CCB) Shenzhen Branch to support foreign trade enterprises in response to the evolving international trade environment and financial needs [1][6] Group 1: New Payment Tools - CCB Shenzhen Branch has launched the "Cross-Border Easy Payment" tool, enabling zero-cost, instant cross-border RMB payments, significantly enhancing payment efficiency and reducing exchange costs for enterprises [2] - The new payment system utilizes blockchain technology for point-to-point transactions, eliminating the need for multiple intermediary banks and reducing the risk of excessive audits due to information asymmetry [2] Group 2: New Account System - The bank has expanded its foreign and domestic currency unified account pilot program to over 80% of foreign exchange outlets in Shenzhen, allowing enterprises to manage multiple currencies with a single account [3] - The upcoming launch of the Free Trade Account (FT Account) will facilitate easier cross-border fund transfers and financing for eligible foreign trade enterprises, enhancing their ability to utilize both domestic and international markets [3] Group 3: New Settlement Channels - CCB Shenzhen Branch has developed a "Cross-Border E-commerce Sunshine Settlement" solution to ensure compliance in cross-border e-commerce, addressing challenges faced by small sellers in receiving payments and ensuring compliance [4] - The bank has processed a total of 4 billion RMB in sunshine payments for cross-border e-commerce, demonstrating its commitment to supporting this growing sector [4] Group 4: New Financing Products - The bank has introduced the "Foreign Trade Loan" under its "Cross-Border Quick Loan" product line, providing online, unsecured, and low-cost financing options for small and micro foreign trade enterprises [5] - Since 2025, the bank has served over 100 small foreign trade enterprises through its cross-border financing products, achieving a year-on-year growth rate of 72% [5] - The introduction of cross-border e-commerce performance guarantees aims to address new tax requirements from European countries, providing strong credit support for domestic enterprises expanding overseas [6]

Group 1 - The first domestically developed turbine engine in China has received production approval, highlighting the significant financial support from local banks to address funding challenges in the aerospace sector [1] - The People's Bank of China (PBOC) in Hunan has initiated the "Bank Leaders Visit Cities and Counties" campaign to enhance financial services for the real economy, resulting in 2,705 financing issues resolved and 141 financing events held, with a total signed amount of 155.3 billion yuan [1] - Local banks have actively engaged with enterprises, providing tailored financial solutions and support for various industries, including new materials and specialized manufacturing [2][4] Group 2 - The PBOC has organized over 380 financial policy promotion activities, reaching more than 5,460 market entities, and distributed 49,000 financial product manuals to enhance understanding of financial policies [3] - Financial institutions in Hunan have developed innovative financing products, such as "Xiang Porcelain Loan" and "Ceramic Master Loan," to support the local ceramics industry, with over 9.26 billion yuan in loans issued [6] - The PBOC has emphasized the importance of addressing financial service challenges for enterprises, establishing a system to track and resolve specific financial service requests from market entities [4][6] Group 3 - The PBOC has facilitated the establishment of a data asset value assessment system to support local enterprises in securing loans, exemplified by the first data asset pledge loan for a private enterprise in Zhangjiajie [7] - Customized financial products have been developed across various banks in Hunan, such as "Fireworks Loan" for the fireworks industry and specialized loans for agricultural enterprises, demonstrating a shift towards tailored financial services [8] - The collaboration between financial institutions and enterprises has led to significant loan approvals, such as 500 million yuan for a new materials company and 3.5 billion yuan for a steel structure enterprise [2][4]

Core Viewpoint - Hubei Province is committed to becoming a strategic support point for the rise of the central region, implementing seven major strategies to enhance economic growth and development [2] Group 1: Consumer Demand and Financial Innovation - The Bank of Communications Hubei Branch has launched innovative consumer finance solutions like "discounts + zero-interest installments" to alleviate consumer pressure and enhance consumption quality [3] - The bank has optimized payment ecosystems through technology, such as launching a mobile banking transit code that has saved commuting costs for 1.7 million people [3] - The bank has actively responded to policy benefits, supporting various local events to stimulate consumption through a combination of payment, scenarios, and policies [3] Group 2: Support for Foreign Trade - Hubei's import and export volume exceeded 400 billion yuan in the first half of 2025, reflecting a strong trend in high-level opening up [5] - The bank has provided tailored financial products to support local enterprises in foreign trade, including a 3 million yuan "foreign trade loan" approved in one working day for a food company [5] - The bank has facilitated cross-border financing for various industries, including a 1.85 billion yuan loan for a pharmaceutical company's acquisition [5] Group 3: Infrastructure and Transportation Financing - The Bank of Communications Hubei Branch is supporting the construction of a multi-modal transportation system, providing diverse financing for major infrastructure projects [6] - The bank has launched a public information service platform for the shipbuilding supply chain, offering financing services to green and intelligent ship manufacturers [6] - The bank has invested 4.8 billion yuan in transportation projects, including highways and high-speed rail construction [7] Group 4: Commitment to Regional Development - The Bank of Communications Hubei Branch emphasizes the principle of "finance for the people," aiming to stimulate domestic demand and support the construction of an inland open highland [7] - The bank plans to continue innovating products and services to contribute to Hubei's high-quality development and its strategic importance in the central region [7]

Core Insights - Zhangjiagang Rural Commercial Bank has significantly increased its agricultural and micro-loan balance to 124.625 billion yuan by June 2025, with a year-to-date increase of 8.389 billion yuan, representing 90.88% of its total loans [1] - The bank has focused on providing tailored financial products for small and micro enterprises, achieving a loan growth rate of 9.15%, which is higher than the overall loan growth rate of 1.09% [1] - The bank aims to deepen its financial services by creating a "full lifecycle" partnership model, emphasizing customer-centric development and long-term collaboration with enterprises [1] Group 1 - The bank has launched various credit products such as "Micro Enterprise Easy Loan" and "Technology Talent Loan" to support startups with limited collateral, utilizing a three-dimensional assessment model for credit evaluation [1] - The introduction of flexible financing products like "Small Micro Loan" and "Foreign Trade Loan" aims to address urgent financing needs and support enterprises in scaling up and seizing market opportunities [2] - The bank provides comprehensive services including merger financing, syndicate loans, and investment advisory to support enterprises in capital market layout and asset diversification [2] Group 2 - The bank has implemented a differentiated financial service strategy based on regional resources and institutional positioning, aiming to become a leader in financial services for small and medium enterprises and local economic units [2] - By establishing localized operations, the bank has improved customer service response times and enhanced market penetration through data-driven risk assessment and client engagement [2] - The bank plans to continue its mission of making inclusive finance accessible, focusing on supporting private enterprises and contributing to high-quality local economic development [3]

Core Viewpoint - The article highlights the innovative cross-border financial services provided by China Construction Bank (CCB) Shenzhen Branch, which significantly enhance the efficiency and cost-effectiveness of cross-border payments for foreign trade enterprises in Shenzhen. Group 1: New Payment Tools - CCB Shenzhen Branch launched the "Cross-border Easy Payment" tool in collaboration with CCB Asia (Hong Kong Branch), offering enterprises a "zero-cost, instant payment" experience for cross-border RMB transactions, utilizing blockchain technology to improve payment efficiency by eliminating multiple intermediary banks [1]. Group 2: New Account System - The bank has developed a flexible and efficient account matrix to accommodate diverse cross-border trade needs, including expanding the pilot of the unified domestic and foreign currency account and promoting the Qianhai Free Trade Account (FT Account) for easier fund transfers and cross-border financing [2]. Group 3: New Settlement Channels - CCB Shenzhen Branch has established a transparent collection and settlement service for cross-border e-commerce, directly connecting with Shenzhen's cross-border e-commerce online service platform to streamline the collection and settlement process, addressing challenges faced by small sellers [3]. Group 4: New Financing Products - The bank has enriched its "Cross-border Quick Loan" product line to support small and micro foreign trade enterprises, introducing "Foreign Trade Loans" that provide online, unsecured, and low-cost financing based on customs data, with a 72% year-on-year increase in service to over 100 small enterprises since 2025 [4]. - Additionally, the bank has innovated the issuance of cross-border e-commerce performance guarantees to meet new tax guarantee requirements from European countries, significantly reducing approval processes and providing strong credit support for domestic enterprises expanding overseas [4]. Group 5: Overall Impact - The number of foreign trade and foreign investment enterprises served by CCB Shenzhen Branch has steadily increased, with a nearly 45% year-on-year growth in cross-border RMB settlement volume, enhancing the resilience and international competitiveness of Shenzhen's foreign trade enterprises [4].

Core Insights - The article highlights the innovative financial services introduced by China Construction Bank (CCB) Shenzhen Branch to support foreign trade enterprises in response to the evolving international trade environment and financial needs [1][6]. Group 1: New Payment Tools - CCB Shenzhen Branch has launched the "Cross-Border Easy Payment" tool, enabling zero-cost, instant cross-border RMB payments, significantly enhancing payment efficiency and reducing exchange costs for enterprises [2]. - The new payment system utilizes blockchain technology for point-to-point transactions, eliminating the need for multiple intermediary banks and reducing the risk of excessive audits due to information asymmetry [2]. Group 2: New Account System - The bank has expanded its foreign and domestic currency unified account pilot program, allowing enterprises to manage multiple currencies through a single account, thus improving fund allocation efficiency and reducing management costs [3]. - The upcoming launch of the Free Trade Account (FT Account) will facilitate easier cross-border fund transfers and financing options for eligible foreign trade enterprises, enhancing their ability to utilize both domestic and international resources [3]. Group 3: New Settlement Channels - CCB Shenzhen Branch has developed a "Sunshine Settlement" solution for cross-border e-commerce, ensuring compliance throughout the entire process of collection and settlement, thus addressing the challenges faced by small sellers [4]. - The bank has processed a total of 4 billion yuan in sunshine payments for cross-border e-commerce, demonstrating its commitment to supporting this growing sector [4]. Group 4: New Financing Products - The bank has introduced the "Foreign Trade Loan" as part of its "Cross-Border Quick Loan" product line, providing online, unsecured, and low-cost financing options tailored for small and micro foreign trade enterprises [5]. - Since 2025, the bank has served over 100 small foreign trade enterprises through its cross-border financing products, achieving a year-on-year growth rate of 72% [5]. - The introduction of cross-border e-commerce performance guarantees has streamlined the approval process for financing, providing strong credit support for domestic enterprises expanding into overseas markets [6]. Group 5: Policy Support and Market Impact - The financial innovations are backed by strong policy support from the Shenzhen Comprehensive Reform Pilot Program and the "Thirty Measures for Financial Support in Qianhai," which provide clear guidance and ample policy space for the bank's initiatives [6]. - The number of foreign trade enterprises served by CCB Shenzhen Branch has steadily increased, with a nearly 45% year-on-year growth in cross-border RMB settlement volume, enhancing the resilience and international competitiveness of Shenzhen's foreign trade enterprises [6].

Core Viewpoint - The banking industry is undergoing significant transformation, with local financial institutions playing a crucial role in supporting regional economic development and meeting diverse financial needs of the public [1] Group 1: Focus on Inclusive Finance - Zhangjiagang Bank prioritizes inclusive finance as its core strategy, focusing on small and micro enterprises, with agricultural and small micro loans reaching 1246.25 billion yuan by June 2025, an increase of 83.89 billion yuan from the beginning of the year, accounting for 90.88% of the total [2] - The bank offers tailored financial services for enterprises at different stages, including various credit products that reduce reliance on financial indicators and utilize policy guarantees and a three-dimensional assessment model [2] Group 2: Comprehensive Financial Services - For mature enterprises, Zhangjiagang Bank provides a range of services including merger financing, syndicate loans, bond underwriting, and investment advisory, along with cash management tools to support global expansion [3] - The retail sector is also a key area for the bank, focusing on consumer credit innovation and optimizing services to stimulate local consumption through a three-dimensional support system [3] Group 3: Risk Management - As of June 2025, the bank maintained a non-performing loan ratio of 0.94%, stable compared to the beginning of the year, and a provision coverage ratio of 383.98%, indicating strong risk mitigation capabilities [4] - The bank employs rigorous pre-loan investigations, in-process reviews, and post-loan management to effectively identify and mitigate credit risks [4] Group 4: Industry Recognition - Zhangjiagang Bank has received multiple accolades, ranking 502nd among the world's top 1000 banks and being recognized as an excellent participant in foreign exchange clearing business [5] - The bank aims to continue optimizing financial services and adapting to national policy directions to strengthen its support for enterprises and contribute to the new development pattern [5]