Group 1 - The core viewpoint of the articles highlights Chengwu Rural Commercial Bank's commitment to supporting local economic development through innovative services, optimized products, and technology empowerment [1][2] Group 2 - In financial services, Chengwu Rural Commercial Bank focuses on grassroots engagement by organizing visits to rural areas, conducting financial literacy sessions, and promoting tailored financial products [1] - The bank has established a system for real-time customer information recording and marketing logs to create precise customer profiles for customized financial services [1] - The bank has optimized its credit product system by offering various collateral options such as deposit, inventory, fee rights, and intellectual property pledges to meet diverse customer needs [1] Group 3 - In terms of technology empowerment, the bank utilizes technology to enhance inclusive finance by expanding online loan services and employing big data for customer credit analysis [2] - Customers can complete loan applications and approvals from home, benefiting from convenient "on-demand" loan services [2] - Chengwu Rural Commercial Bank remains dedicated to serving agriculture, rural areas, and the real economy, focusing on the needs of farmers, merchants, and enterprises to contribute to high-quality local economic development [2]

Group 1 - The company Tianjin Port Development (03382.HK) announced an asset transfer agreement with Jingjinji Logistics, involving the transfer of assets for a consideration of RMB 162 million (excluding tax) [1] - The target assets include inventory, fixed assets, and land use rights held by the company's subsidiary, China Aviation Oil Terminal Company [1] - The inventory consists of 341 items, primarily operational materials such as pressure gauges, wrenches, and sealing rings [1] Group 2 - The fixed assets include buildings and equipment, with a total building area of 1,892.3 square meters and various structures related to port operations [1] - The land use rights pertain to a state-owned land area of 19,300.9 square meters, designated for port terminal use, with a termination date of March 28, 2061 [1] - Following the asset transfer, the company expects to record a one-time loss of approximately RMB 72.08 million, based on the difference between the transfer price and the latest unaudited net asset value of the target assets [2]

传统融资担保方式多依赖房产、土地等固定资产抵押，但中小企业普遍存在固定资产规模小的问题，难 以满足银行严格的担保要求，导致融资困难。尤其是一些处于初创期的科技型中小企业，其虽拥有前沿 技术和广阔市场前景，但因缺乏足够不动产用于抵押，常被银行拒之门外，发展受限。 6月1日起，新修订的《保障中小企业款项支付条例》（以下简称《条例》）正式施行。《条例》提出， 鼓励、引导、支持商业银行等金融机构增加对中小企业的信贷投放，降低中小企业综合融资成本，为中 小企业以应收账款、知识产权、政府采购合同、存货、机器设备等为担保品的融资提供便利。 创新担保方式，已成为银行助力中小企业发展、激发市场活力的关键之举。 为打破这一困境，银行需积极探索创新担保方式。其中，应收账款质押融资是一条可行路径。中小企业 日常经营中通常存在大量应收账款，银行可依据企业与核心企业间真实贸易往来的应收账款，在确认真 实性及核心企业支付能力后，按一定比例为企业提供贷款。这有助于盘活企业应收账款，解决资金周转 难题，使企业在等待账款回收期间，也能有充足资金维持生产运营、扩大规模。 知识产权质押融资也是极具潜力的创新方式。对于科技型中小企业而言，知识产权是其 ...

在云南省文山壮族苗族自治州麻栗坡县的仓储库里，一袋袋标着编号的三七正安静地躺在阴凉干燥的货架上。这些曾被视作"沉睡资产"的中药 材，如今却成为撬动500万元贷款的"金钥匙"，在金融体系中拥有了真正的价值。 近年来，云南红塔银行股份有限公司（以下简称"云南红塔银行"）通过创新贷款，助力当地企业摆脱资金困境，银企合作完成了一次次金融"破 冰"，让企业产品实现了从"沉睡库存"到"流动资本"的转变。 一场关于三七的融资困局 2024年10月，云南红塔银行以创新性的"三七存货质押贷"，为高新技术赞七科技注入流动资金。 文山赞七科技有限公司拥有17项专利，是国家级科技型中小企业，也有全国唯一的三七国家级示范社资源。可在金融机构的风控列表中，它仍是 一家"难贷户"——公司免税额度高、纳税少，传统线上贷款额度低；法定代表人房产早已抵押在另一笔贷款中，公司手中最值钱的，是大量三七 存货。但这些三七存货在传统金融体系眼中并不是标准意义上的"抵押物"。 "银行问我要不动产，问我要现金流，由于企业正处在发展期，都难以满足要求。"赞七科技董事长周枫凌回忆说。而农产品不能抵押，资金链常 年紧绷，也是农业领域企业的普遍困扰。 云南文山州麻 ...