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“不用出村就能搞定贷款”,桂林银行四级网络“滴灌”乡土丨五篇大文章调研行
Hua Xia Shi Bao· 2025-07-16 10:36
Core Viewpoint - The article highlights how Guilin Bank is leveraging its financial services to support the mango industry in Baise, Guangxi, thereby contributing to rural revitalization and poverty alleviation efforts in the region [2][15]. Group 1: Financial Services and Rural Revitalization - Guilin Bank has established a four-level service network ("city-county-town-village") to create a "financial+" ecosystem that supports rural revitalization, particularly in the mango industry [2][18]. - The bank's rural inclusive financial service points have significantly improved access to financial services for local farmers, allowing them to obtain loans conveniently without traveling long distances [3][6]. - As of June 2023, Guilin Bank's credit balance for mango industry clients reached 62.76 million yuan, benefiting 714 farmers and enterprises, with 54.26 million yuan in credit loans accounting for 86% of the total [17]. Group 2: Impact on Local Farmers - The mango industry in Baise has helped 52,000 impoverished households escape poverty, impacting over 200,000 people [5]. - Farmers like Lu Keli have benefited from the bank's services, which have alleviated their financial burdens related to purchasing fertilizers and hiring labor [5][6]. - The establishment of service points has enabled farmers to apply for loans quickly, with some receiving funds on the same day they inquire [6][8]. Group 3: Collaboration with Local Enterprises - Guilin Bank plays a crucial role in supporting local enterprises like Funong Agriculture, which is a leading player in the mango industry, by providing efficient loan services [9][11]. - The bank has tailored financing solutions for companies like Shanguo Food, which face unique challenges due to their business models, allowing them to leverage intellectual property for funding [14]. - The bank's collaboration with local enterprises has led to job creation for over 60 impoverished households and has supported the development of a high-quality mango industry in the region [17][18]. Group 4: Strategic Alignment with Policy - The implementation of the "Baise Mango Industry Development Regulations" in 2024 encourages financial institutions to provide tailored financial products for the mango industry, aligning with Guilin Bank's service offerings [15]. - The bank's focus on understanding the characteristics of the mango industry has allowed it to develop a credit and risk control system that meets the specific needs of local farmers and enterprises [17]. Group 5: Growth and Future Prospects - Since committing to rural revitalization, Guilin Bank's asset scale has grown from over 300 billion yuan to over 500 billion yuan, ranking 268th among the "Global Top 1000 Banks" [18]. - The bank's services not only enhance the mango industry's growth but also contribute to the broader goal of achieving common prosperity for local farmers [18].
助推苏州智造|中国银行苏州分行激活数智引擎赋能制造业向“实”向“新”
Zhong Guo Jin Rong Xin Xi Wang· 2025-07-03 09:05
转自:新华财经 数字化浪潮奔涌不息,"苏州智造"顺势崛起。中国银行苏州分行(以下简称"苏州中行")勇闯苏州制造 业转型升级"深水区",通过政策体系与体制机制优化、数据与科技基础建设、业务数字化转型"三管齐 下",构建数字金融与地方经济深度融合的"苏州范式",助推苏州智造向"实"深耕、向"新"突围。 谋篇布局:战略蓝图加速成为发展实景 制造业作为苏州经济"顶梁柱",其数字化转型离不开金融"活水"的精准滴灌。苏州中行深刻把握数字金 融战略精髓,通过组织架构革新、政策体系构建、攻坚机制创新,打造从顶层设计到一线实践的高效执 行链路,服务"苏州制造"向"苏州智造"跨越升级。 如何"一盘棋"绘就战略蓝图?苏州中行锚定数字金融赛道精准发力,成立分行级"数字金融委员会",构 建最高决策与协调"中枢",加速数字金融战略融入业务发展"肌理",与经营实践"携手同行"。 筑牢组织架构根基的同时,该行精心构建政策体系"四梁八柱",推出"行动方案+年度要点"双轮驱动模 式。2024年,推出《数字金融行动方案》,明确科技能力建设、数据能力建设等五大目标及29条硬核举 措;今年继续细化行动方案,制定12项年度工作要点,层层拧紧责任链条。其 ...
上海发布20款科创金融产品!2025陆家嘴论坛科创金融工作室专场活动举办
Guo Ji Jin Rong Bao· 2025-06-19 10:55
Core Insights - The 2025 Lujiazui Forum focused on the integration of technology and finance, emphasizing the development of a comprehensive financial service system for innovative enterprises in Shanghai [2][5] - Shanghai aims to enhance its role as a global financial center by fostering a supportive ecosystem for technology-driven industries and improving financial products tailored to various stages of enterprise development [3][4] Group 1: Event Overview - The event included a concentrated release of financial services for the entire lifecycle of technology innovation, a signing ceremony with the Greek Shipping Finance Management Association, and roundtable discussions [2][5] - Key officials from Shanghai's financial sector and representatives from various financial institutions and technology companies participated, highlighting the collaborative effort to support strategic emerging industries [2][3] Group 2: Financial Products Released - A range of financial products was launched to support small and medium-sized technology enterprises, focusing on digital credit, capital market linkage, and cross-institution collaboration [3][4] - Initial stage products include "Innovation Drug Loan" from Agricultural Bank of China and "Smart Intellectual Property Loan" from Bank of Communications, among others [3] - Growth stage products include "Puxin Loan" from Shanghai Pudong Development Bank and "Investment-Loan Linked Loan" from Industrial Bank, while mature stage products include "ICBC Treasury" and "Index Investment Series Products" [4] Group 3: Collaborative Efforts - A memorandum of cooperation was signed between Shanghai Financial Association and the Greek Shipping Finance Management Association, indicating a commitment to enhance collaboration in shipping finance and green finance [4] - The event featured two roundtable discussions addressing capital flow support for hard technology enterprises and financial collaboration to build future industry hubs [5]