该文化传媒公司是一家专注于传统文化产品开发与推广的创新型企业，致力于打造集收藏、实用与艺术 于一体的综合服务平台。随着业务日益红火，企业计划进一步拓展市场，原材料采购、设备升级、人员 扩招等给企业带来较大资金压力，这成为横亘在发展路上的"拦路虎"。此前，企业在他行的170万元贷 款需按月结息、定期还本，流动资金周转压力较大。 曲阜农商银行在主动走访中精准捕捉到企业的困境和融资痛点，客户经理第一时间向企业负责人王先生 详细介绍了该行特色产品——"助企循环贷"。该产品专为中小微企业及小微企业主日常流动资金需求设 计，核心优势突出：一次授信，十年循环，授信期限长，资金可循环使用，有效匹配企业经营周期；随 用随贷，秒速到账，500万元额度内，支持网银自助操作，资金"秒到账"，极大提升融资效率；便捷续 贷，提供"一键续贷"功能，省去反复申请之烦。 近日，山东某文化传媒有限公司凭借曲阜农商银行发放的300万元"助企循环贷"，有效解决了业务拓展 中的资金瓶颈，企业发展迈上新台阶。 "助企循环贷"的产品特色完美契合了公司灵活、高效的融资需求，王先生当即决定申请。曲阜农商银行 迅速响应，客户经理加班加点收集资料、实地调查、评估 ...

Core Viewpoint - The article highlights the effective support provided by Jiaxiang Rural Commercial Bank to a local automobile sales company, showcasing the bank's quick response and tailored financial solutions to address the company's urgent funding needs for employee salaries during a period of increased business activity [1] Group 1: Company Support - Jiaxiang Rural Commercial Bank launched an emergency response mechanism to assist a local automobile sales company facing short-term cash flow pressure due to a surge in business volume [1] - The bank provided a loan of 1 million yuan to the company, enabling timely payment of employee salaries and alleviating immediate financial concerns [1] - The company expressed gratitude for the bank's efficient service and timely financial support, which boosted their confidence in seizing market opportunities [1] Group 2: Financial Services and Products - Jiaxiang Rural Commercial Bank offers customized and professional credit service solutions based on in-depth understanding of clients' operational conditions and financial needs [1] - The bank has optimized its loan application process through various channels, including phone, WeChat, and physical branches, enhancing accessibility for clients [1] - As of now, the bank's loan balance stands at 14.284 billion yuan, reflecting an increase of 355 million yuan since the beginning of the year [1]

6月28日，一场标志着曲阜市金融服务深度融入基层治理体系的重要里程碑——鲁城街道"美.满格"网格化治理品牌发布暨曲阜农商银行 金融服务网格员正式聘任授证仪式，在鲁城街道隆重举行。在双方共同见证下，一支承载着服务民生、赋能实体重任的专业化"金融网格 员"队伍正式上岗。 金融网格员的全面上岗履职，是该行深化社区金融服务战略、推动资源与服务重心下沉的关键抓手和模式创新。依托这支"近在身边"的 专业队伍，曲阜农商银行正深度融入鲁城街道多层次信用体系建设与经济赋能工程，多维度精准施策，让金融活水直达实体经济"毛细血 管"： 赋能"信用街区"建设筑基。金融网格员主动下沉，深入奎文社区西滨路、五福广场、曲成巷等重点信用示范街区及阙里社区鼓楼街等 地，逐户走访、建档评估、精准画像。在阙里社区鼓楼街，高效完成"整街区预授信"工作，累计预授信额度1100万元，为商户送去解决 经营资金难题的"及时雨"，有效激活了街区经济活力。商户反馈，授信资金如源头活水，为发展注入了强劲动能。 畅通"政银商"对接动脉。在6月初成功举办的"'曲阜.诚墙里'信用管理典型街区'政银商'交流对接会"中，金融网格员发挥了核心信息纽带 作用。他们深入街区广泛 ...

■本报记者曹沛原 桂林山水甲天下，阳朔风光甲桂林。随着暑期旅游旺季来临，阳朔县即将迎来客流高峰。广西阳朔农商 银行作为立足"三农"、服务县域和文旅产业的金融主力军，如何把握机遇、创新服务，为文旅产业高质 量发展注入金融活水？近日，《农村金融时报》记者就有关话题与阳朔农商银行党委书记、董事长文岐 军进行了访谈。 记者：暑期旺季将至，贵行是否针对文旅企业推出季节性专项支持政策？ 记者：在支持康养田园综合体、沉浸式农事体验等新业态项目建设中，是否有创新担保方式？ 文岐军：针对文旅产业新业态轻资产、重创意、评估难的特点，阳朔农商银行积极探索创新担保方式， 引入风险补偿机制，积极与相关部门合作，推出创业担保贷款，对包括文旅行业在内的创业人群给予财 政贴息支持，从而降低银行风险顾虑。截至5月末，阳朔农商银行已成功发放47笔金额1100万元创业担 保贷款，助力创业群体经营特色餐饮、休闲农业观光，赋能文旅市场繁荣发展。 记者：文旅项目普遍存在"前期投入大、回报周期长"特点，贵行如何破解融资难题，并优化风险评估模 型？ 文岐军：阳朔农商银行创新融资模式，根据项目实际现金流情况，合理设置项目贷款期限，贷款项目年 限最长可至8年， ...

发展养老金融是应对我国老龄化日益严峻形势的有力对策。 得知宝琪商贸经营情况的农业银行主动与企业进行对接，为其开辟金融服务"绿色通道"，并迅速发放了 100万元普惠养老贷款，帮助宝琪商贸缓解了资金压力。 今年3月，金融监管总局办公厅印发《银行业保险业养老金融高质量发展实施方案》（以下简称《实施 方案》），提出要加大银发经济领域信贷供给。 《实施方案》要求，支持银行机构合理确定贷款期限，科学运用循环贷款、年审制贷款、分期还本付息 等产品和服务，更加精准、有效地支持银发经济经营主体的合理融资需求。同时，鼓励银行机构积极探 索引入政府融资担保机制，有序扩大信贷供给，通过提供专属产品、开辟"绿色通道"等方式，支持适老 化改造、智慧养老设备研发制造以及利用闲置存量场所改建养老服务设施等领域发展。 "循环贷款、年审制贷款、分期还本付息等信贷产品和服务均有利于降低授信成本，提高企业融资效 率，主要适用于满足企业经营性资金需求。"中国银行研究院主管级高级研究员杨娟向《金融时报》记 者表示，在风险可控的情况下，商业银行应加大对养老服务设施建设的支持力度。 辽宁省辽阳宝琪商贸有限公司（以下简称"宝琪商贸"）是一家主营智能护理床、康 ...

Core Viewpoint - Shandong Shuangju Food Co., Ltd. is expanding its production scale with the support of Wucheng Rural Commercial Bank, highlighting the importance of financial backing in the food industry to meet rising consumer demands [1] Company Overview - Shandong Shuangju Food Co., Ltd. specializes in the processing of compound condiments, producing hot pot base materials, dipping sauces, and other kitchen products for restaurants across the country [1] - The company has experienced growth in operational experience and sales revenue, prompting the desire to expand its business scale [1] Financial Support - Due to issues with timely payment collection and insufficient available funds for new equipment purchases and maintenance, the company faced challenges in expansion [1] - Wucheng Rural Commercial Bank responded quickly by sending a client manager to assess the company's industry background and development potential, resulting in a tailored financing plan [1] - The bank provided a "revolving loan" of 3 million yuan within two days, significantly supporting the company's development [1] Market Context - The company’s representative noted that with the improvement in residents' living standards, there is a higher demand for quality in dining products, leading to increased product demand [1] - Wucheng Rural Commercial Bank has issued a total of 252 million yuan in "small and micro enterprise revolving loans," benefiting 156 clients, reflecting a commitment to enhancing financial service accessibility [1]

Core Viewpoint - The article highlights the proactive financial services provided by Weishan Rural Commercial Bank during the summer harvest season, emphasizing their efforts to support local farmers and agricultural enterprises through tailored loan products and mobile banking solutions [1][5][6]. Group 1: Financial Services Initiatives - Weishan Rural Commercial Bank has launched a comprehensive "Three Summer" financial service network, focusing on the financing needs of grain producers, cooperatives, and grain enterprises, with a total of 83.79 billion yuan in agricultural loans issued to 25,300 households by the end of May [1]. - The bank has deployed 30 mobile service teams to cover 285 administrative villages and major fishing docks, providing on-site loan processing and financial services to farmers [5]. - The bank has established temporary financial service points in key grain-producing towns, ensuring that financial services are accessible during the busy agricultural season [5]. Group 2: Loan Products and Impact - The bank's "Xing Shang Circular Loan" product has enabled farmers like Liu, who received a 500,000 yuan loan, to purchase advanced irrigation equipment and harvesters, significantly increasing their productivity and reducing operational costs [6]. - The bank has optimized its credit products and service models to meet the specific needs of grain purchasing and processing enterprises, providing a 300,000 yuan loan to a grain buyer in just one day [7]. - As of now, the bank has issued 120 million yuan in special loans for the "Three Summer" initiative, benefiting 628 households and ensuring timely financial support for critical agricultural activities [8].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is focusing on enhancing technology finance services to support high-tech and specialized enterprises, aiming to boost regional economic development through targeted financial support [1][2][3] Group 1: Financial Performance - As of May 2025, the bank's technology finance loan balance exceeded 800 million yuan, marking a 14% increase from the beginning of the year [1] - Loans for strategic emerging industries reached over 4.3 billion yuan, with a significant growth of 62.68% compared to the start of the year [1] - Loans to specialized and innovative enterprises surpassed 480 million yuan, reflecting a remarkable growth of 169% year-to-date [2] Group 2: Service Mechanism - The bank has established a specialized working group to enhance service efficiency, integrating resources across various departments to support technology finance [1][3] - A dedicated technology finance branch, Nanzhu Technology Branch, has been set up to provide specialized services for technology-driven industries [2] - The bank is actively collaborating with local government technology departments and high-tech enterprises to ensure financial resources reach innovative sectors [1][3] Group 3: Innovative Financial Products - The bank has developed tailored financial solutions to address the unique needs of technology enterprises, such as knowledge property pledge financing [2] - A notable achievement includes the issuance of a 5 million yuan working capital loan to a specialized aquatic enterprise, marking a breakthrough in knowledge property pledge financing [2] - The bank promotes various online financial products like "Science and Technology e-loan" and "Industrial e-loan" to meet diverse financing needs [2] Group 4: Collaborative Ecosystem - ICBC Beihai Branch is building a collaborative service ecosystem involving finance, government, industry, and institutions to enhance service delivery to technology enterprises [3] - The bank has formed flexible teams across different lines of business to implement targeted marketing strategies for key specialized enterprises [3] - Active participation in government-enterprise matching activities has improved the precision and coverage of service delivery [3]

智通财经APP获悉，环联一项最新研究显示，大部份（逾八成）香港消费者仅持有信用卡，作为其唯一 的信贷产品。而且他们的人数增速最快，在研究期内（2018年底至2024年底的六年间）达8.8%。 环联早前发表的研究报告揭示香港消费者的信贷钱包可分为三大类：基本消费信贷钱包：仅持有信用卡 的消费者 （占比83%）；灵活消费信贷钱包：同时持有至少一张信用卡、及一笔私人贷款或循环贷款 的消费者（11%）；多元消费信贷钱包：同时持有至少一张信用卡、及多于一笔私人贷款和/或循环贷 款的消费者（2%）。 研究发现，持有较多元化的信贷产品组合，尤其是"灵活钱包"的消费者（即拥有一项非信用卡信贷产 品）对额外信贷的需求最为显著。根据该类消费者于一年内的新信贷申请比例显示，他们对新增私人贷 款最感兴趣（4.4%），其次为信用卡（2.5%）及循环贷款（2.0%）。 此外，在申请新信贷产品时，消费者也会因应产品类别选择不同的金融机构：84%"灵活钱包"消费者在 申请额外信用卡时会选择银行；89%则会向财务公司申请额外私人贷款；至于新的循环贷款，55%会向 财务公司提出申请，另外43%则会使用数字银行的服务。 环联亦发现，"灵活钱包"消 ...

Core Viewpoint - The introduction of the "Huimin Consumption Circular Loan" by Weishan Rural Commercial Bank has significantly boosted consumer confidence and purchasing power in the local market, particularly for automobiles and furniture [1][2][3]. Group 1: Product Impact - The "Huimin Consumption Circular Loan" offers high loan amounts, long repayment terms, and favorable interest rates, making it an attractive option for consumers like Liu Hao, who successfully purchased a car [1]. - The loan has led to a notable increase in consumer willingness to purchase vehicles, with many customers overcoming previous financial hesitations due to the loan's support [2][3]. Group 2: Market Activation - The combination of the "Huimin Consumption Circular Loan" and government policies such as trade-in programs has revitalized the consumption market in Weishan, particularly in the automotive and furniture sectors [2][3]. - The bank has enhanced its service offerings and trained its staff to ensure efficient loan processing, further encouraging consumer spending [2][3]. Group 3: Financial Strategy - Weishan Rural Commercial Bank is actively integrating various financial support measures to stimulate consumption, focusing on sectors like e-commerce, tourism, and real estate [3][4]. - The bank has issued a total of 61 "Huimin Consumption Circular Loans" this year, amounting to 11.908 million yuan, indicating strong demand for this financial product [5].