建设银行东营河口支行在得知企业需求后，迅速响应，主动上门了解其经营状况、资金需求及发展规 划。针对水产养殖行业周期特点及小微企业"短、频、急"的融资需求，该行精准匹配"小微快贷"产品， 简化审批流程，提高放款效率。"这笔贷款太及时了，正好解决了我们购买鱼苗、升级增氧设备的资金 难题，让我们对今年的养殖丰收更有信心了！"该企业负责人对河口支行的高效服务赞不绝口。 近日，建设银行东营河口支行向辖内一家水产养殖企业成功授信300万元小微快贷，以高效、精准的金 融服务为当地特色农业发展注入"强心剂"，切实解决了小微企业融资难、融资慢的痛点。 据了解，该水产养殖企业是当地颇具规模的特色农业经营主体，主要从事淡水鱼虾养殖及销售，凭借优 质的产品在区域市场积累了良好口碑。随着市场需求扩大，企业计划扩大养殖规模、升级养殖设施，但 短期内面临流动资金周转压力。 此次信贷支持，是建设银行东营河口支行践行普惠金融理念、服务地方实体经济的生动实践。下一步， 建行东营河口支行将持续聚焦小微企业融资需求，优化金融产品和服务，为更多像水产养殖企业这样的 市场主体注入金融活水，助力地方经济高质量发展。（大众新闻记者 杜美萱 通讯员 张晨玥） ...

证券代码： 001227 证券简称：兰州银行 兰州银行股份有限公司投资者关系活动记录表 编号：2025-01 | | □特定对象调研 □分析师会议 | | --- | --- | | 投资者关系 | □媒体采访 ☑业绩说明会 | | 活动类别 | □新闻发布会 □路演活动 | | | □现场参观 | | | □其他（请文字说明其他活动内容） | | 参与单位名称 | 通过网络互动参与本次业绩说明会的各类投资者 | | 及人员姓名 | | | 时间 地点 | 2025 年 5 月 15 日下午 全景网"投资者关系互动平台"（http://ir.p5w.net） | | 上市公司接待 | 1.兰州银行 党委书记、董事长许建平 | | | 2.兰州银行 党委副书记、董事、行长刘敏 | | | 3.兰州银行 独立董事方文彬 | | | 4.兰州银行 董事、董事会秘书张少伟 | | 人员姓名 | 5.兰州银行 公司业务部总经理李胜龙 | | | 6.兰州银行 计划财务部总经理高雪梅 | | | 保荐代表人曾琨杰 7.中信建投 | | | 保荐代表人田斌 8.中信建投 | | 投资者关系活动主 | 1.今年是贵行战略规划 ...

Financial Performance - In 2024, the company achieved an operating income of 7.854 billion yuan and a net profit attributable to shareholders of 1.888 billion yuan, representing a year-on-year growth of 1.29% [1] - As of March 2025, the company's asset scale exceeded 490 billion yuan, with a growth of 1.32% since the beginning of the year [1] - The company issued loans and advances totaling 262.99 billion yuan, marking a 7.18% increase, the largest growth in five years [1] Asset Quality and Stability - As of the end of 2024, the company reported a non-performing loan ratio of 1.83% and a provision coverage ratio of 201.60%, indicating stable asset quality [2] - The total assets reached 486.285 billion yuan by the end of 2024, with a year-on-year growth of 7.25% [2] Green Finance Initiatives - The company has actively engaged in green finance, providing loans for carbon reduction projects, with a total of 62.1046 million yuan disbursed, leading to a carbon reduction of 8,492.85 tons [4] - By the end of 2024, the balance of green loans reached 15.218 billion yuan, reflecting a net increase of 2.452 billion yuan, a growth rate of 19.21% [4] Inclusive Finance Strategy - The company focuses on inclusive finance, targeting small and micro enterprises, with a total of 9,076 small micro loan accounts and a balance of 13.794 billion yuan, which increased by 1.202 billion yuan, a growth rate of 9.55% [6] - In 2024, the company issued 2.31 billion yuan in small micro loans through various online products, enhancing accessibility for small businesses [6] Support for Local Economic Development - The company has supported 508 provincial key projects with a total credit of 30.56 billion yuan, focusing on infrastructure, agriculture, and environmental projects [8] - The company has also emphasized the development of the manufacturing sector, with a total manufacturing loan balance of 21.165 billion yuan, reflecting a net increase of 1.681 billion yuan [9] Conclusion - The company's annual report data illustrates a stable operational picture and highlights the effective implementation of financial supply-side reforms in the northwest region, showcasing the synergy between green finance and inclusive finance [10]

Core Insights - The article emphasizes the role of China Construction Bank's Qingdao branch in providing tailored financial services to support technology enterprises, particularly small and micro enterprises, through innovative products like "Shan Ke Loan" [1][2][3] Group 1: Financial Products and Services - The "Shan Ke Loan" product is designed to address the financing challenges faced by technology enterprises, offering a quick approval process and competitive interest rates [2][3] - As of April 2025, the Qingdao branch has issued over 14 billion yuan in loans to small and micro enterprises, demonstrating a commitment to inclusive financial services [1][2] - The bank has developed a diverse range of financial products, including over 30 sub-products under the categories of "Small Micro Quick Loan," "Personal Business Quick Loan," and "Small Micro Shan Loan" [2][3] Group 2: Support for Technology Enterprises - The Qingdao branch provides comprehensive financial services throughout the lifecycle of small and micro technology enterprises, ensuring a supportive environment for growth [3][4] - The bank has successfully assisted companies like Qingdao Jinnuo Technology Co., Ltd. in securing loans that facilitate production upgrades and team expansions, enhancing operational capabilities [2][3] - The bank's support extends to supply chain financing solutions, addressing cash flow issues for companies facing slow payment cycles [4][5] Group 3: Collaboration and Ecosystem Development - The bank fosters collaboration between government, enterprises, and financial institutions to create a supportive ecosystem for technological innovation [6][7] - A recent event in collaboration with local government saw over 60 technology enterprise representatives engage with the bank, resulting in multiple strategic cooperation agreements [6][7] - The bank employs a dual-evaluation system to assess the "soft strengths" of technology enterprises, converting intangible assets into creditworthiness for financing [6][7] Group 4: Growth Metrics - The loan balance for technology enterprises and related industries surpassed 50 billion yuan in 2024, with the bank leading in loan growth among major banks in the region [5][6] - The Qingdao branch has served over 2,000 technology enterprises, contributing significantly to the city's technological innovation and development goals [5][6]