作为全国性股份制商业银行与山东省属骨干金融企业，恒丰银行深度融入山东区域发展大局，充分发挥 专业金融优势，将金融活水精准引向齐鲁大地重点领域与薄弱环节。截至今年6月末，该行绿色金融贷 款较年初增长近两成，数字化供应链品牌"恒融E"累计放款超300亿元，以实打实的金融服务成效践 行"金融助企"责任担当，为新时代社会主义现代化强省建设注入澎湃动能。 科创金融"强引擎"点燃新质生产力"新动能" 恒丰银行将服务新质生产力发展作为金融支持高质量发展的核心抓手，精准对接企业科技创新与产业升 级需求，从专精特新企业培育到新兴产业布局，构建起全链条、一体化的金融服务体系。 针对专精特新企业不同成长阶段的需求，恒丰银行量身定制专属服务方案。国家级专精特新"小巨人"企 业山东豪门铝业，主营高端铝型材生产，综合年产能达9.9万吨。自2018年建立合作以来，恒丰银行临 沂分行通过"小巨人贷"、信用证叠加现金管理等一揽子综合服务，累计为企业发放贷款1.4亿元，以稳 定高效的金融支持，全程护航企业规模扩张与技术升级。在菏泽，聚焦高端装备制造领域，恒丰银行充 分认可当地某专精特新精密机械公司的核心技术价值，以及其在山东"231"特色产业体 ...

Core Viewpoint - Hengfeng Bank, as the only national joint-stock commercial bank headquartered in Shandong, emphasizes the cultivation and promotion of Chinese financial culture, integrating it into all aspects of its management for high-quality development [1][3]. Group 1: Financial Culture and Community Engagement - The bank has established a financial culture academy that showcases the practice of Chinese financial culture through various formats, receiving over 10,000 visitors since its inception [1]. - Hengfeng Bank's financial culture academy emphasizes political attributes, showcasing the spirit of the 20th National Congress and achievements in serving the real economy and managing financial risks [3]. - The bank has actively engaged in community service, organizing over 5,800 financial education activities benefiting more than 150 million people [6]. Group 2: Financial Performance and Growth - In 2024, Hengfeng Bank plans to issue over 700 billion yuan in loans, with a year-on-year growth rate exceeding 20% in technology, green, and inclusive loans [3]. - The bank's non-performing loan ratio stands at 1.49%, marking a continuous decline for 24 consecutive quarters, the best in the industry [3]. - Since 2020, the bank has provided over 550 billion yuan in corporate loans in Shandong, with the loan balance in the province nearly doubling since its restructuring [3]. Group 3: Customer-Centric Services - Hengfeng Bank focuses on a people-centered approach, developing a pension finance brand that has received recognition as a "good financial product" in Shandong [6]. - The bank has nearly 100 branches recognized as "civilized service demonstration sites," ranking among the top in the industry [6]. - The customer service hotline has achieved a satisfaction rate of 99.4%, reflecting the bank's commitment to consumer rights protection [6]. Group 4: Innovation and Professionalism - The bank has launched innovative financial solutions, including the "Heng Green Easy Carbon" carbon finance solution and the first "water-saving loan" linked to intellectual property [7]. - Hengfeng Bank has been awarded "Best Supply Chain Finance Bank" for three consecutive years, highlighting its commitment to enhancing supply chain financial services [7]. - The bank has successfully assisted local enterprises in issuing various types of bonds, boosting confidence in overseas investment in Shandong [7]. Group 5: Cultural Integration and Development - The bank has implemented a cultural enhancement project, refining its corporate culture to integrate Chinese financial culture deeply into its operations [8]. - The "Five Musts and Five Must Nots" principles have been incorporated into employee conduct guidelines, promoting a culture of integrity and compliance [8].

某新材料科技有限公司是某大型高端装备制造企业的上游供应商，近两年订单量大幅增长，扩大产能的 需求急剧提升。恒丰银行重庆分行了解到这一融资需求后，深入调研行业生产周期、特性，根据其交易 方式、结算期限等特点，加强总分联动，制定行业订单融资业务融资方案，及时发放国内订单融资，有 效缓解了企业在履约生产、备货阶段的资金压力。 近年来，恒丰银行着力打造数字化供应链金融品牌"恒融E"，搭建包括恒银E链、网络应收贷、网络预 付贷、池融易、货融易等产品的供应链金融综合服务体系，并围绕各地优势产业资源，为各领域企业打 造端到端、一站式金融解决方案。同时恒丰银行运用科技手段打破"信息孤岛"，整合多维数据，对企业 进行精准画像，加快线上产品开发，实现在线授信、在线放款，切实提高企业金融服务效率。截至目 前，"恒融E"系列产品贷款和客群规模连续两年增速均超50%。 近日，恒丰银行为某新材料科技有限公司发放国内订单融资440万元，支持生产经营有序推进。这是恒 丰银行主动转变业务发展思路、积极应对政策要求和市场形势、创新供应链金融脱核模式的积极实践。 今年以来，国家相继发布规范供应链金融以及保障中小企业款项支付的政策，恒丰银行积极调整 ...