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 ...

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 ...

通讯员 发改萱扬州市新闻传媒中心记者 默然 中小微企业，是产业科创名城的重要生态和高质量就业的根基，其贷款难、贷款贵一直备受关注。为进 一步优化中小微企业融资环境，做好普惠金融大文章，改善中小微企业融资环境，更好服务实体经济， 近日，市发改委等部门联合出台《扬州市支持中小微企业融资10条措施》，从扩大融资供给、降低融资 成本、优化融资机制三大方面破解融资难、融资贵问题。 "首先是通过政府性融资担保增信，构建多层次风险担保机制。"扬州金融监管局相关负责人说，将强化 政府性融资担保机构准公共服务定位，聚焦主责主业，加强中小微企业增信融资服务，持续做好降费让 利，政府性融资担保费率不超过1%。深化政银担联动，优化风险分担机制，加强与国家融资担保基 金、省级政府性再担保机构的多级联动，构建多层次风险担保机制。在省财政对增加资本金的政府性融 资担保机构给予增资部分2%奖励的基础上，市财政予以配套，鼓励政府性融资担保机构做大做强。 "其次，进一步统筹用好风险补偿及财政贴息政策。"该负责人说，将发挥扬州市级普惠金融风险补偿资 金池作用，支持"苏科贷""扬创贷""富民创业担保贷""小微贷"等省市普惠金融产品，助力创业群体、小 ...

江南时报讯 2025年11月22日，第十七届如东沿海经济开发区合作洽谈会举行表彰仪式，南通如东支行 凭借长期深耕市场的坚守与引领行业的实力，成功蝉联第八届"持续突出贡献金牛企业"称号。该奖项是 表彰年度纳税额5000万元以上的企业，这一荣誉也让南通如东支行成为全县经济版图中亮眼的金融坐 标。 转型创新与精细管理，是支行稳健前行的双引擎。以远程服务模式优化资源配置，迁移7类复杂业务提 升效率；深耕集镇网点，围绕棉纱、紫菜等特色市场搭建场景化授信，形成1个营业部+7个集镇网点+3 个城区网点的格局，推动四小业务快速上量。同时构建主动防、智能控案防机制，开展非法集资、异常 行为等专项排查；加强资产质量管控，通过客户体检、实地调研、严格审贷流程筑牢风险防线，以精细 化管理护航业务稳健前行。 从赋能当下到布局未来，南通如东支行以实绩诠释金融担当。常态化开展金融知识下乡、金融安全宣讲 等活动，帮助群众守好钱袋子；以更灵活的金融工具助力企业在复杂经济环境中稳健成长，为如东产业 升级、经济稳定增长持续注入动力。正如赞誉所言："用每一份业绩诠释担当，用每一次突破书写传 奇，用有力的臂膀挺起实体经济的脊梁"。 金牛熠熠，精神传承 ...

新华财经南京12月15日电（王宇静）小微企业是经济发展的生力军、就业的主渠道、改善民生的重要支 撑。为助力小微企业纾困解难、提质增效，农业银行江苏苏州示范区分行积极落实小微企业融资协调机 制，强化金融供给，优化服务路径，创新产品体系，精准滴灌实体经济发展"沃土"，以"金融+"模式持 续激发区域经济新动能。 创新产品矩阵 破解科创企业融资难题 在新兴产业领域，科创小微企业常因缺乏传统抵押物、研发周期长、回报不确定性高等问题，让许多银 行望而却步，融资难、融资慢成为制约其发展的"拦路虎"。 转自：新华财经 大雪时节，寒意渐浓，苏州吴江横扇镇的羊毛衫市场却暖意融融。线下门店人头攒动，线上直播间热闹 非凡。借助电商与直播新业态，横扇羊毛衫走进千家万户。 面对持续升级的消费需求，当地羊毛衫企业主动求变，一方面投入资金改造生产线、扩大规模，以规模 化效应摊薄成本，让优质毛衫价格更亲民；另一方面融合传统工艺与现代技术，开发多元化毛衫产品， 打响区域品牌。但这一传统产业集群中多为小微企业，生产旺季备货、生产线改造等环节常面临短期、 灵活的融资需求，往往因抵押物不足、审批流程长等问题陷入资金困境。 农行江苏苏州示范区分行精准洞 ...

Core Viewpoint - The traditional manufacturing industry, particularly the textile and apparel sector in Suzhou, is undergoing a transformation towards modernization, supported by financial services from Agricultural Bank of Suzhou, enhancing the entire supply chain's efficiency and competitiveness [1][2]. Group 1: Industry Transformation - The textile and apparel industry in Suzhou has evolved from its historical roots in silk weaving to become a significant player in modern industrialization, impacting everyday life [1]. - The integration of smart technologies in production processes, such as automated sewing systems and intelligent supply chain solutions, is crucial for the industry's digital transformation [1][2]. - During the "Double Eleven" shopping festival, Bosideng achieved over 100 million yuan in sales, showcasing the effectiveness of data and AI in driving digital transformation [1]. Group 2: Financial Support and Innovation - Agricultural Bank of Suzhou has provided nearly 8 billion yuan in group credit to support the transformation of companies like Bosideng, addressing funding challenges faced by suppliers [2]. - The bank's "Yin Piao e-Rong" product offers online financing solutions for upstream suppliers, ensuring quick access to funds and improving raw material supply efficiency [2]. - A tailored "Bosideng Industry Chain e-Loan" has reached a balance of 563 million yuan, demonstrating the bank's commitment to supporting downstream distributors with innovative financial services [2]. Group 3: Local Industry Development - The wool sweater market in Wujiang District has seen a resurgence, with local businesses adapting to consumer demands for high-quality, stylish winter apparel [3]. - Local textile enterprises have shifted from homogeneous competition to focusing on product quality and design, enhancing their market competitiveness [3][4]. - Agricultural Bank of Suzhou has implemented various financial products to support small and micro enterprises, facilitating their growth and contributing to the local economy [4]. Group 4: Future Prospects - The textile and apparel industry in Suzhou is expected to continue thriving under the guidance of Agricultural Bank of Suzhou, enhancing domestic demand and solidifying the foundation of the real economy [5].

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 ...

传统制造业是现代化产业体系的重要基底，其优化提升不仅关乎实体经济的持续壮大，也深刻影响着每 个普通人的衣食住行。在江苏苏州，纺织服装产业脱胎于蚕桑文明，扬名于丝绸织造，兴盛于现代工 业，近年来已然从独具风雅的江南名片，演化为泽被万家的"天下衣履"。如何将这一传统制造业的优势 重塑为构建现代化产业体系的胜势？农行江苏苏州分行（以下简称苏州农行）与各类服装制造企业同题 共答，用精准、完善的金融服务"穿针引线"，全力支持纺织服装全产业链智能化、融合化的焕新升级。 "大家对冬装的期待已不只是舒适保暖，高性价比和时尚设计成为了现在最主流的消费需求"。随着记者 在市场多处的细致问询，发现这一理念已成为横扇镇众多商户广泛达成的共识。面对不断变化的市场态 势，当地羊毛衫纺织企业经历过同质化竞争激烈、规模效应难以形成的低迷期，但在逐渐掌握"新需求 引领新供给，新供给创造新需求"的市场规律后，决心因势而动，坚持将产品质量作为立身之本，通过 引进设计师人才、使用高端纱线等手段，全面提升毛衫产品审美与品质，锻造横扇毛衫的核心竞争力与 品牌影响力。 在毛衫产业主动求变的同时，这类乡村特色产业综合生产能力和质量效益的协同提升，离不开金融 ...

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]

Group 1 - Suzhou Agricultural Financing Guarantee Company acquired 66.67% of Kunshan Agricultural Financing Guarantee Company to enhance the agricultural guarantee system and government financing guarantee system in the city [1] - The share transfer involved a strategic capital increase of 200 million yuan from Kunshan Rural Construction Group to Suzhou Agricultural Financing Guarantee Company [1] - Suzhou Agricultural Financing Guarantee Company has served over 23,400 small and micro enterprises and has a cumulative guarantee amount exceeding 144.2 billion yuan [1] Group 2 - The collaboration between city and county-level state-owned enterprises aims to optimize resource allocation and explore scientific cooperation models and equity structures [2] - The initiative focuses on enhancing inclusive financial services for urban-rural integration and aims to establish a new benchmark for rural financial services in Suzhou [2]