近年来，中国建设银行湖南省分行(简称"建行湖南分行")聚焦做好科技金融、绿色金融、普惠金融、养 老金融、数字金融五篇大文章，以金融活水精准滴灌实体经济，用专业服务温暖社会民生，交出了一份 服务湖南高质量发展的生动答卷，以实际行动持续为落实湖南"三高四新"战略、推动中部地区崛起贡献 力量。 科技金融："技术流"评价体系，破解科创企业融资难题 为破解科创企业"轻资产、缺抵押"的融资难题，建行湖南分行转变风控思路，秉持"不看'砖头'看'专 利'"的理念，运用"技术流"评价体系，对企业技术实力进行精准"画像"，让企业的专利知识变为真金白 银。截至目前，建行湖南分行服务科技型企业超1.9万家，科技贷款余额达2471亿元，连续3年增速超 20%，成为湖南科创企业发展的强力"助推器"。 起源于大学生创业项目、专注于AI技术的赤道银河公司便是受益者。在公司"从0到1"的起步阶段，建行 湖南分行凭借对其核心技术和创新能力的认可，提供了280万元信贷支持，助力该公司获得后续融资和 政府立项。 绿色金融：引导资金流向绿色企业，5年内规模扩大五倍 推动绿色发展，金融支持是关键一环。建行湖南分行将绿色金融作为重点，通过单列信贷计划、开 ...

Core Insights - The "Yun Tax Loan" product from China Construction Bank (CCB) is designed to provide timely and efficient financial support to small and micro enterprises, significantly enhancing their production capabilities [1][2] - The product leverages the company's tax credit as collateral, allowing for a streamlined online application process that can be completed in just 30 minutes without the need for physical documents or asset pledges [2] Group 1: Company Overview - Hubei Shenzhan Wheel Co., Ltd., established in 2019, specializes in manufacturing automotive tire steel rims and has seen over 10% year-on-year sales growth in the first eight months of this year [1] - The company faced challenges with cash flow and production funding, which hindered further growth despite its rapid expansion [1] Group 2: Financial Product Details - The "Yun Tax Loan" is a fully online financing product tailored for small and micro enterprises with good tax credit records, breaking away from traditional loan requirements [2] - CCB's "Yun Tax Loan" has provided 736 million yuan in loans to 729 small and micro enterprises in Shiyan City this year, with an increase of 33.48 million yuan since the beginning of the year [2] Group 3: Future Plans - CCB's Shiyan branch aims to continue supporting the real economy through technological empowerment and product innovation, ensuring that financial resources are effectively directed towards small and micro enterprises for high-quality economic development in Shiyan City [2]

Core Viewpoint - The Inner Mongolia branch of China Construction Bank is actively implementing a no-repayment renewal loan policy to support private and small micro enterprises' financing needs from April 2024 to March 2025, facilitating 22,300 small micro enterprise clients with a total renewal loan amount of 15.049 billion yuan [2][3] Group 1: Policy Optimization - The bank has optimized three renewal loan products, including small business credit loans and mortgage quick loans, enhancing service efficiency and covering all types of clients [2] - The loan term has been adjusted from one year to a range of one to three years to better meet clients' operational cycle needs [2] - The continuous reduction in loan interest rates saves clients approximately 40 million yuan in interest expenses annually, effectively relieving the burden on credit personnel [2] Group 2: Customer Base Expansion - The renewal loan business has expanded from only small micro enterprise working capital loan clients to include small micro enterprise owners, individual businesses, and farmers' operational loans [2] - The bank will also provide renewal support for medium-sized enterprise working capital loans that are due before September 30, 2027, on par with small micro enterprises [2] Group 3: Renewal Processing Enhancement - Eligible clients can self-process renewal loans through the "CCB Hui Dong Ni" app, receiving renewal invitations 30 and 15 days before loan maturity [3] - For clients unable to process online, the bank will conduct further communication and follow-up through on-site investigations and negotiations for offline renewal [3] - Client managers will follow the entire renewal process to ensure that all eligible clients can renew their loans, meeting reasonable financing needs [3]

Group 1 - The core focus of the Construction Bank's Suifenhe branch is to serve small and micro enterprises, enhancing their development through improved settlement services [1] - Since the beginning of the year, the bank has added over 600 small and micro enterprise clients, implementing a green channel for account opening at 16 branches to expedite the process [1] - The bank provides full guidance for new small and micro enterprises during the account opening process, utilizing a combination of online and offline methods to streamline the experience [1][2] Group 2 - The Suifenhe branch has transitioned to a digital and intelligent service model, allowing 24/7 access to banking services through online platforms, thus improving operational efficiency [2] - The bank has developed a comprehensive settlement product system to address the frequent transaction needs of small and micro enterprises, ensuring quick fund transfers and effective risk management [3] - The bank completed account opening for a chain pharmacy and its 17 subsidiaries in just 2 days, showcasing its efficiency in providing merchant settlement and fund management services [3] Group 3 - The bank is leveraging big data analysis to enhance financial services for small and micro enterprises, having provided over 600 million yuan in credit and more than 400 million yuan in loans to over 860 businesses this year [4] - Future plans include using transaction data to offer precise credit support, thereby facilitating easier and more efficient financing channels for quality small and micro enterprises [4]

测额体验礼 活动前已开立对公账户，但未签约贷款的小微企业及 个体工商户，在活动期间通过"建行惠懂你"APP 历史首次完成精准测额目有额度, 即可领取50元立减金。 新客支用礼 小微企业及个体工商户在活动期间,通过"建行惠懂你" APP历史首次签约并支用贷款，即可领取 100元立减金。 老窖支用礼 活动前签约过贷款产品的小微企业及个体工商户，在 活动期间通过"建行惠懂你"APP首次支用贷款， 即可领取100元立减金。 官立减金 中长期贷款专享礼 小微企业及个体工商户在活动期间，通过 "建行惠懂你"APP首次支用期限大于一年的 贷款,即可领取100元立减金。 言立减到 科创企业专享礼 科创企业在活动期间，通过"建行惠懂你"APP首次 支用贷款,即可领取100元立减金。 言立减3 绿色信贷专享礼 小微企业在活动期间，通过建行全渠道首次 支用绿色信贷,即可领取100元立减金。 0.99元起购36元支何立流金 船信我 惠懂尔 FETT FEAR 好礼享不停 50-100元 微信立减金 5050 礼 活动期间,小微企业及个体工商户参与测额、贷款支用、 开户、签约代发工资等,即有机会领取 50-100元微信立减金, 奖励可 ...