此外，为切实降低企业融资负担，该行不仅提供了具有市场竞争力的贷款利率，还主动承担了多项相关 费用，并推广"随借随还"、"无还本续贷"等业务模式，全力帮助企业降低综合融资成本，缓解资金周转 压力。 未来，该行将继续聚焦科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"，以更开放 的姿态和更高效的金融服务，为区域内小微企业注入源源不断的金融活水，共同助力济宁市实体经济高 质量发展。 近日，兴业银行济南分行成功为某建设工程有限公司发放了一笔700万元的贷款，以高效、便捷的金融 服务，有效解决了该企业在承接新工程项目时面临的原材料采购资金短缺问题，为其发展注入了坚实的 金融动力。 该建设工程有限公司是济宁市一家经营多年、信誉良好的小微建筑企业。随着市场机会的增加，企业计 划扩大业务规模，但周转资金的压力也随之而来。了解到企业的实际困境后，兴业银行济南分行主动对 接，根据企业的经营特点和资金需求，快速定制了融资方案，并及时完成了贷款审批与发放流程。 这笔贷款是兴业银行济南分行深耕普惠金融、服务实体经济的一个缩影。该行始终将服务小微企业作为 全行战略规划的重要部分，通过单列信贷额度确保资源精准投向小微企业。针 ...

Core Insights - The People's Bank of China in Qianjiang has been actively promoting inclusive finance since 2025, utilizing policy tools and innovative services to support small and micro enterprises, injecting strong momentum into regional economic development [1] Group 1: Support for Small and Micro Enterprises - As of August 2023, financial institutions in Qianjiang have issued a total of 5.006 billion yuan in loans to 8,304 small and micro enterprises, helping them maintain stable operations [1] - The bank has implemented a "one-stop service" for small and micro enterprise owners, providing policy interpretation and financing connections, which has reduced average loan approval time to within 3 working days [3] Group 2: Targeted Support for Technology and Innovation Enterprises - The bank focuses on the financing needs of technology and innovation enterprises, collecting financing demand lists and utilizing the "Yangtze River Chongqing Financing" big data system to address the challenges of asset-light financing [2] - A specific case involved a technology-based small micro enterprise receiving a 9 million yuan loan at a preferential interest rate, which enabled the purchase of three automated production lines, increasing production efficiency by 40% and generating over 30 million yuan in new orders in the first half of the year [2] Group 3: Service to Consumer Sector - The bank has established a "white list" of inclusive small and micro enterprises in the consumer sector, dynamically updating financing needs in areas such as education and cultural tourism, and has pushed 21 effective financing demand messages to financial institutions since 2025 [4] - A case study highlighted an art training company that received 1.805 million yuan in loans, allowing it to expand from three to five campuses, with an expected annual training participation exceeding 8,000, thereby stabilizing employment for over 30 teachers [4]

Group 1 - The core viewpoint is that Industrial Bank Jinan Branch is committed to serving the real economy by enhancing financial support for small and micro enterprises, promoting deep integration between industry and finance [1][2] - The bank has developed a diverse range of financial products with favorable interest rates and streamlined approval processes, including "Quick Loan," "Quick Pledge Loan," "Factory Loan," and "E-Bill Loan," catering to various enterprise needs [1] - The bank utilizes a digital inclusive finance model, leveraging data streams and big data technology to assess the credit status of small and micro enterprises efficiently [1] Group 2 - The bank has optimized the offline inclusive loan approval process, establishing a green channel for urgent business needs to ensure high efficiency in loan approvals [2] - The "reverse factoring" business has emerged as a key product in the inclusive finance sector, enhancing credit assessment accuracy for small and micro enterprises by evaluating the entire supply chain's credit [2] - Looking ahead, the bank aims to accelerate innovation in financing services for small and micro enterprises, enhancing comprehensive service capabilities and promoting financial resources towards the real economy [2]