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特色金融“贷”动乡村振兴的徐州样本
Jiang Nan Shi Bao· 2025-10-09 23:13
通过构建"银行+政府+担保"多方风险分担模式,该行不仅降低了担保费率,还落实了财政贴息政策, 切实减轻了农户负担,让涉农贷款"贷得省心、还得放心"。 徐州农商银行以特色金融产品为支点,有效破解涉农融资难题,持续为农业强、农村美、农民富的乡村 振兴图景贡献金融力量。 申玉龙 在产品层面,该行主推"小微贷""苏农贷""苏质贷"等省级产品,依托政府增信与风险分担,有效降低融 资门槛。截至2025年8月末,相关产品累计服务490户,余额达8.18亿元,助力一批农户实现从"小打小 闹"到"规模经营"的跨越。 针对不同群体需求,该行还推出多款定制化产品。如"三乡助力贷"为返乡青年提供贴息贷款,铜山区小 李因此获得20万元启动资金成功开办家庭农场;"兴村强体贷"则为村级经济合作社提供最高1000万元授 信,已支持198个村集体经济主体。2024年与担保机构合作的"产业兴农贷""增额贷"也分别投放2.1亿元 和2.99亿元。 徐州农商银行聚焦"融资贵、担保难、信息差"等涉农主体长期面临的痛点,五年来从产品创新、机制建 设和政银合作三方面发力,推出一系列接地气、见实效的特色金融产品,为乡村振兴注入持续动力。 ...
南通农商银行授信审批实现效能提升与风控赋能双突破
Jiang Nan Shi Bao· 2025-10-09 03:20
审批流程做"减法",服务效能做"加法"。8月以来,南通农商银行紧扣高质量发展主线,坚持"精准研 判、审慎经营",以问题为导向统筹推进授信审批工作,在审批效能、流程优化和队伍建设等方面取得 显著成效。 审批提速增效,资金精准直达。全行授信审批高效运转,8月单月审查审批贷款810户,金额20.3亿元, 快速通过率稳定在92.5%。严格落实"当日响应、限时办结"承诺,及时受理和审批待批业务,确保审批 时效。通过建立跨部门沟通机制与信息共享平台,加强前中后台协作,提升信息传递和审批效率。 流程优化升级,风控屏障加固。持续推进"全流程标准化+动态化"审批体系建设,细化资料完整性、客 户资质和经营状况等八大核心审查维度,推动审批从"经验驱动"转向"规则驱动"。落实风险分担产品管 理要求,加强准入管理。授信审批部与普惠金融部联动,明确调查审查要点,统一业务流程与标准,尤 其在续贷业务上协同筑牢风控屏障。 一线精准赋能,双向联动增效。组织审批人员赴石港、陈桥等8家支行开展驻点审批,针对风险分担产 品续授信等难点进行个性化辅导,提升一线规范与合规操作。通过"送服务进支行"贴近市场、了解基层 诉求、收集优化建议,针对性改进流程, ...
新沂农商银行推行企业融资成本明示
Jiang Nan Shi Bao· 2025-09-22 14:51
为进一步落实中国人民银行关于规范企业融资成本明示工作的政策要求,持续优化区域融资环境,提升 金融服务透明度和实体经济服务效能,新沂农村商业银行积极响应、全面部署,扎实推进企业综合融资 成本明示机制,让企业融资更安心、更放心。 为确保该项工作高效、有序开展,新沂农商银行专门成立专项领导小组,由信贷管理部牵头,计划财务 部负责政策宣导,各业务部门和支行具体执行,全面强化组织领导和过程管理,实现从融资成本测算、 明示到贷后服务的全流程覆盖。 以某新材料企业为例,该企业因经营周转需申请流动资金贷款。针对其"融资难、融资贵"的痛点,新沂 农商银行为其精准匹配了由融资担保公司提供增信的"小微贷"产品,贷款年化利率为3.8%,担保费2000 元。 未来,新沂农商银行将继续扩大融资成本明示范围,细化服务流程,加强政策宣传与沟通,努力构建更 加透明、诚信、高效的金融服务生态,切实提升服务实体经济的能力和水平,助力企业稳健发展。 刘 瑞瑞 融资成本明示不仅增强了银企之间的信息对称,推动双方关系由"交易型"向"伙伴型"转变,也助力银行 更精准识别企业需求,持续优化金融服务。如"无还本续贷"等创新业务的推出,进一步缓解了企业融资 压 ...
深耕普惠赋能民企成长
Xin Hua Ri Bao· 2025-09-21 21:13
□ 李蓉蓉 截至2025年6月末,张家港农商银行母公司涉农及小微贷款余额1246.25亿元,较年初增加83.89亿元,占 比90.88%;单户1000万(含)以下贷款户数占比达99.01%;民营企业贷款余额848.11亿元,较年初增加 52.83亿元,占比61.85%;普惠型小微企业贷款增速9.15%,高于各项贷款增速1.09%。 围绕企业产业链整合、降本增效、多元化资产配置和资本市场布局等需求,该行提供并购融资、银团贷 款、债券承销、投资顾问等综合服务,并配套结构性存款、大额存单、银企直联等现金管理工具, 融"资"更融"智",为企业跨越发展、布局全球提供顶层设计和全程金融支持。 构建"特色化深耕"的差异金融服务。依据各机构发展定位和区域资源禀赋差异,持续推进客群"分类施 策、分层营销"策略,做深做透公司客群,力争做中小企业、村级经济金融服务的主导者,优质大型企 业金融服务的参与者,政府乡镇单位金融服务的助力者。 遵循"做深做透小网格,做精做稳大市场"的理念,今年以来,张家港本地机构实施属地化经营。通过数 据穿透式梳理、风险分级认定、实地拜访衔接,客户维护半径明显缩短,服务响应时效显著提升,为区 域市场精耕筑 ...
阳光透明 心安致远丨新沂农商银行推行企业融资成本明示
Sou Hu Cai Jing· 2025-09-16 10:32
为进一步落实中国人民银行关于规范企业融资成本明示工作的政策要求,持续优化区域融资环境,提升金融服务透明度和实体经济服务效能,新沂农村商 业银行积极响应、全面部署,扎实推进企业综合融资成本明示机制,让企业融资更安心、更放心。 为确保该项工作高效、有序开展,新沂农商银行专门成立专项领导小组,由信贷管理部牵头,计划财务部负责政策宣导,各业务部门和支行具体执行,全 面强化组织领导和过程管理,实现从融资成本测算、明示到贷后服务的全流程覆盖。 以某新材料企业为例,该企业因经营周转需申请流动资金贷款。针对其"融资难、融资贵"的痛点,新沂农商银行为其精准匹配了由融资担保公司提供增信 的"小微贷"产品,贷款年化利率为3.8%,担保费2000元。 在业务办理中,客户经理主动出具《企业贷款综合融资成本清单》,清晰展示:年化利率3.8%(基于LPR加点)、担保费2000元(由合作担保机构收 取),并通过官方工具测算该笔贷款综合年化成本为4.0024%。同时明确告知企业无任何其他隐性费用,每一项成本均附有政策依据与服务提供方信息。 企业对此表示高度认可,称"明细单让我们对实际融资成本一目了然"。 未来,新沂农商银行将继续扩大融资成本明 ...
张家港行:多维发力,蓄势新未来
Zheng Quan Shi Bao Wang· 2025-09-11 06:23
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]
上半年江苏民营经济贷款余额超七万亿元、同比增长百分之八
Sou Hu Cai Jing· 2025-09-11 02:09
Group 1 - The core viewpoint emphasizes the importance of addressing the financing difficulties faced by private enterprises in Jiangsu, as highlighted by President Xi Jinping during the private economy symposium [2] - Jiangsu's private economy plays a crucial role in entrepreneurship, employment, technological innovation, and fiscal revenue, significantly contributing to the province's economic and social development [2] - As of mid-2023, the loan balance for the private economy in Jiangsu reached 7.02 trillion yuan, marking an 8% year-on-year increase [2] Group 2 - Jiangsu's financial institutions have introduced a diverse range of products to support private enterprises, including various loan types and insurance products, reflecting a commitment to service innovation [3] - The introduction of the "Equipment Update Loan" by Jiangsu Bank has resulted in 317 loans totaling 6.5 billion yuan, aimed at facilitating equipment upgrades for private enterprises [3] - Approximately 90% of high-tech enterprises and 70% of provincial R&D institutions in Jiangsu are private enterprises, indicating their significant role in technological and industrial innovation [3] Group 3 - Jiangsu Bank has launched the "1650" industry chain digital customer acquisition system, providing 779.8 billion yuan in credit to 30,500 industry chain clients, with a focus on supporting private enterprises [4] - The insurance sector, represented by Zijin Insurance, has developed innovative insurance products to mitigate risks for technology-driven private enterprises, providing over 800 million yuan in risk coverage for autonomous driving companies [5] Group 4 - The A-share market has seen significant performance from Jiangsu-listed companies, with 52 companies doubling their stock prices this year, driven by strategic investments in emerging industries [6] - Jiangsu Bank's "Equity Option Loan" aims to support high-growth technology companies by providing credit while allowing for equity stake options, with 30 companies receiving a total of 120 million yuan in support [6] Group 5 - Collaborative efforts among Jiangsu High Investment Group, venture capital associations, and banks aim to attract investment from top-tier institutions in Shenzhen to support emerging industries in Jiangsu [7] - The establishment of financial service centers for private enterprises in Jiangsu aims to provide comprehensive financial services, including consultations and policy promotion, enhancing the support for private businesses [8] Group 6 - As of August 2025, the Jiangsu financial service platform has registered over 2.02 million enterprises, with 84% being private, facilitating credit access of 6.49 trillion yuan for 485,300 enterprises [9] - The provincial government plans to enhance financial services for private enterprises by improving credit service levels and optimizing equity financing systems [9]
上半年全省民营经济贷款余额超7万亿元、同比增长8%金融活水精准滴灌,民营经济发展强劲
Xin Hua Ri Bao· 2025-09-10 23:35
Core Insights - The Chinese government emphasizes the need to address financing difficulties for private enterprises, highlighting the importance of the private economy in Jiangsu for job creation, technological innovation, and fiscal revenue [1] Group 1: Financial Support for Private Enterprises - Jiangsu's private economy loan balance reached 7.02 trillion yuan, with an 8% year-on-year increase [1] - The province has 712 listed companies, with over 70% being private enterprises, indicating a strong presence of private firms in the capital market [1] - Financial institutions in Jiangsu are innovating products to support private enterprises, including various loan types and insurance products [2][3] Group 2: Innovation in Financial Products - Jiangsu Bank launched "Equipment Update Loans," providing 6.5 billion yuan across 317 transactions to support equipment upgrades [2] - The "1650" industry chain digital customer acquisition system has facilitated 779.8 billion yuan in credit for 30,500 industry chain clients [3] - New insurance products have been developed to mitigate risks for technology companies, with over 800 million yuan in coverage for low-speed unmanned driving equipment [3] Group 3: Capital Market Developments - The A-share market has seen significant growth, with 52 Jiangsu-listed companies doubling their stock prices this year [4] - Jiangsu Bank introduced "Equity Option Loans" to support high-growth technology companies while addressing concerns about early equity dilution [4] Group 4: Policy and Collaborative Efforts - Financial service centers have been established to provide comprehensive support to private enterprises, including financial consulting and policy promotion [6] - The provincial financial office has organized nearly 100 events to promote financial services for the real economy across 13 cities [6][7] - The "Jiangsu Small and Micro Enterprises Financing One-Stop" system has been developed to streamline financing processes for small enterprises [7]
金融活水精准滴灌,民营经济发展强劲
Xin Hua Ri Bao· 2025-09-10 23:28
Group 1 - The core viewpoint emphasizes the importance of addressing the financing difficulties faced by private enterprises in Jiangsu, as highlighted by President Xi Jinping during the private economy symposium [1] - Jiangsu's private economy plays a crucial role in entrepreneurship, employment, technological innovation, and fiscal revenue, significantly contributing to the province's economic and social development [1] - As of mid-2023, the loan balance for the private economy in Jiangsu reached 7.02 trillion yuan, marking an 8% year-on-year increase [1] Group 2 - Jiangsu's financial institutions have introduced a diverse range of products to support private enterprises, including various loan types and insurance products [2] - The "Equipment Update Loan" launched by Jiangsu Bank has provided 6.5 billion yuan across 317 transactions, demonstrating the bank's commitment to facilitating equipment upgrades for private enterprises [2] - Approximately 90% of high-tech enterprises and 70% of provincial R&D institutions in Jiangsu are private enterprises, indicating their significant role in innovation and development [2] Group 3 - Jiangsu Bank has innovatively launched the "1650" industry chain digital customer acquisition system, providing 779.8 billion yuan in credit to 30,500 industry chain clients [3] - The insurance sector, represented by Zijin Insurance, has introduced innovative insurance products to mitigate risks for technology-driven enterprises, providing over 800 million yuan in risk coverage for autonomous driving companies [3] - Zijin Insurance has also provided more than 6.5 billion yuan in risk coverage for the new energy private economy [3] Group 4 - The A-share market has seen significant performance from Jiangsu-listed companies, with 52 companies doubling their stock prices this year, reflecting the province's strategic focus on emerging industries [4] - Jiangsu Bank's "Equity Option Loan" aims to support technology-driven private enterprises by providing credit while allowing for equity stake options, with 1.2 billion yuan allocated to nearly 30 companies [4] - The establishment of new investment divisions by Yida Capital indicates a strategic shift to better align with future technology and industry trends [4] Group 5 - A promotional event for the Jiangsu Strategic Emerging Industry Fund Cluster was held in Shenzhen, aiming to attract top investment institutions to support Jiangsu's emerging industries [5] Group 6 - The establishment of financial service centers for private enterprises in Jiangsu aims to provide comprehensive financial services, including consultations and policy promotion [6] - Nearly 100 "Financial Services for the Real Economy" events have been organized across Jiangsu, enhancing the outreach of financial support to private enterprises [6] Group 7 - As of August 2025, the Jiangsu Financial Services platform has registered over 2.02 million enterprises, with 84% being private enterprises, facilitating credit access of 6.49 trillion yuan [7] - The development of the "Jiangsu Small and Micro Enterprises Financing One-Stop" system aims to streamline financing processes for small enterprises [7] - Financial institutions in Jiangsu have conducted visits to over 4.03 million enterprises, providing credit support of 3.02 trillion yuan to 582,900 enterprises [7]
行业新周期下,宁波银行正悄然“筑堤”
Huan Qiu Lao Hu Cai Jing· 2025-09-01 13:33
Core Viewpoint - Ningbo Bank has demonstrated robust performance amidst challenges in the banking sector, achieving steady growth through a differentiated operational strategy focused on service quality, digital transformation, and risk management [1][3][11]. Financial Performance - For the first half of 2025, Ningbo Bank reported operating income of 37.16 billion yuan, a year-on-year increase of 7.91%, and a net profit attributable to shareholders of 14.77 billion yuan, up 8.23% [1][4]. - As of June 30, 2025, the bank's total assets reached 3.47 trillion yuan, reflecting an 11.04% growth since the beginning of the year, with total loans and advances amounting to 1.67 trillion yuan, a 13.36% increase [1][3]. Asset Quality - The bank maintained a non-performing loan (NPL) ratio of 0.76%, consistent with the previous quarter, and a provision coverage ratio of 374.16%, which increased by 3.62 percentage points quarter-on-quarter, indicating strong risk management [1][4][5]. Dividend Policy - In 2025, Ningbo Bank announced its first interim dividend plan, distributing 3 yuan per 10 shares, totaling 1.98 billion yuan, reflecting its commitment to shareholder returns [2][6]. - Cumulatively, the bank has distributed approximately 37.79 billion yuan in cash dividends since its listing, exceeding the total funds raised through IPO and other equity financing [7]. Strategic Focus - The bank is shifting from a growth model based on rapid credit expansion to one focused on quality growth, adapting to the new economic environment and regulatory landscape [3][11]. - It has prioritized lending to key national support sectors and enhanced its service to the real economy, particularly in inclusive finance and green finance [4][10]. Technological Innovation - Ningbo Bank is leveraging financial technology to enhance service quality and efficiency, implementing a "fast approval and fast loan" model for small and micro enterprises, which significantly reduces loan processing times [9][10]. - The bank has upgraded its financial products and services to provide comprehensive solutions for businesses, focusing on digital management and customer-centric approaches [10][11].