现代产业链上下游、产供销、大中小企业环环相扣，一旦产业链中某个环节出现问题，就会对整条 产业链产生影响。因此，依托核心企业，通过供应链金融对产业链上下游企业进行支持，确保关键环 节"不断链"，在当前尤为重要。越来越多的实体企业加大对供应链金融的重视程度，银行也积极与企业 合作，帮助企业上下游开展融资，以供应链金融为抓手助力稳住经济大盘。 中信银行是国内最早开展供应链金融业务的商业银行之一。今年以来，中信银行加快线上产品创 新，以企业"资产池"为核心搭建供应链生态，帮助各类企业、集团、集群进行统一便捷的资产管理和资 金融通。今年前5个月，中信银行为2万家企业提供了4950亿元的供应链融资，客户数和融资量同比分别 增加53%和46%。 中国银行创新供应链金融服务模式，优化升级"中银智链"供应链金融服务体系，助力"保链、稳 链"，为助企纾困注入源源不断的动力。今年前5个月，中国银行为供应链核心企业提供了超过1.8万亿 元的流动性支持，为供应链核心及上下游企业提供了超过9600亿元的贸易融资和票据融资支持。下一 步，中国银行将持续深化供应链金融数字化、场景化、智能化发展，加大对产业链核心企业、上下游企 业的信贷支持力 ...

Group 1: Financial Support for Private Enterprises - The government is emphasizing the importance of financial support for the high-quality development of private enterprises, with policies aimed at protecting their legal rights and interests [1][3] - Financial institutions are increasing credit support, innovating financial products, and optimizing service mechanisms to foster collaboration between banks and enterprises [1][3] Group 2: Case Study of Hengli Group - Hengli Group, a large private enterprise, has received significant financial support from Agricultural Bank of China, including a 5 billion yuan internal syndicate loan to meet funding needs for its new materials project [3] - As of January 2025, Agricultural Bank's loans to private enterprises reached 6.73 trillion yuan, leading the industry in both loan balance and growth [3] Group 3: Innovation in Financial Products - Financial institutions are innovating financial service models to meet the diverse needs of private enterprises, such as the collaboration between New Hope Group and Industrial Bank to develop financing solutions for dairy supply chains [7][10] - Postal Savings Bank has introduced a comprehensive evaluation model for credit assessment, supporting key suppliers in the new energy vehicle industry with timely loans [11] Group 4: Optimizing Service Mechanisms - Financial institutions are exploring differentiated financial service models to support emerging industries, as seen with Shanghai Volant Aviation Technology, which received tailored financial support for its eVTOL aircraft development [12][14] - The case of a private aluminum company highlights how targeted financial solutions can revitalize struggling enterprises, with a focus on debt restructuring and asset optimization [15][16]

Group 1 - The private economy is a significant force in China's economic landscape, with Agricultural Bank of China (ABC) Jiangsu Branch actively supporting private enterprises by aligning financial resources to their needs [1] - Jiangyin, known for having the most listed companies in China, is home to nearly 90,000 private enterprises that are innovating towards digital transformation [2] - Haian Group exemplifies local private economic success, evolving from a small workshop to a major clothing brand, utilizing automation and smart technology in its production processes [2][3] Group 2 - ABC Jiangyin Branch has provided 2.2 billion yuan in additional credit and 340 million yuan in loans to support Haian Group's digital transformation [3] - The bank has established a comprehensive financial service model for Haian Group, including working capital loans and supply chain financing, facilitating the opening of over 2,000 store accounts [3] - In Wuxi, Jiangsu Zhuoshengwei Electronics Co., Ltd. is recognized for its semiconductor project, receiving 1 billion yuan in credit support from ABC to address its long R&D cycles and funding needs [3] Group 3 - ABC Jiangsu Branch focuses on providing full lifecycle financial services to meet the diverse needs of medium and large private enterprises [4] - Hengli Group, a notable representative of the private economy, has transformed into a global industry leader, producing high-end functional polyester films with an annual capacity of 470,000 tons [4] - The bank has tailored various financial products to meet Hengli Group's complex needs, including syndicate loans and asset management financing [5] Group 4 - ABC Taizhou Jingjiang Branch promotes green development by offering comprehensive financial services to support the transformation of local manufacturing towards smart and green practices [7] - Jiangsu New Era Shipbuilding Co., Ltd. is a leading private shipbuilding enterprise, recognized for its ability to construct large LNG dual-fuel ships [7] - Over 18 years, ABC has issued guarantees totaling 14.88 billion yuan for 159 vessels for New Era Shipbuilding, enhancing the company's risk management capabilities [7][8]

Core Viewpoint - Inclusive finance is crucial for the development of enterprises and the overall modernization strategy, reflecting the commitment of financial institutions to national strategies and social welfare [2] Group 1: Policy and Strategy - The State Council issued guidelines in March to enhance a multi-level, widely covered, and sustainable inclusive financial system [2] - Agricultural Bank of China Nanjing Branch aligns with national policies, prioritizing high-quality development of inclusive finance and focusing on key strategic areas [2] Group 2: Financial Services Innovation - The bank has developed a specialized credit service evaluation system for technology enterprises, allowing a storage technology company to secure a credit limit of 10 million yuan [3] - Nanjing Agricultural Bank has shifted from traditional credit assessment methods to a more comprehensive evaluation based on future growth potential [3][4] Group 3: Digital Transformation - The bank is accelerating its digital transformation in inclusive finance, implementing standardized online credit products to enhance service efficiency [4] - The establishment of "Inclusive e-Station" facilitates loan applications and enhances customer interaction, ensuring timely financial services [5] Group 4: Supply Chain Financing - Nanjing Agricultural Bank extends its inclusive financial services to small and micro enterprises within supply chains, addressing information asymmetry [7] - The bank has developed a range of supply chain financing products, including "Order Pool Financing," which significantly improves funding efficiency [9] Group 5: Customer-Centric Approach - The bank exemplifies a customer-centric approach by providing urgent services, such as traveling across provinces to meet clients' needs [10] - This commitment to service is reflected in the bank's ability to respond quickly to clients' financial requirements, ensuring timely support [10] Group 6: Support for Technological Innovation - The bank is focused on supporting high-tech enterprises by offering tailored financial solutions that address their unique funding challenges [13] - By combining intellectual property pledges and fixed asset mortgages, the bank provides significant loans to technology firms, facilitating their growth [13][14]