中经记者 张漫游 广州 深圳报道 形成了切实有效的金融支持。 "我们的上游供应链主要涉及供应商板块，正常情况下，大部分供应商会接受我们的零售票据或商票。 在恒丰银行的推动下，我们可以将这些票据进行融资操作，无论是贴现还是质押融资，都有相应的业务 品种可供选择。"李珊解释道，在下游客户端，收款环节也获得了新的解决方案，"我们的下游终端客户 可以通过相关融资渠道获得支持，而这部分融资资金能直接划入公司账户，相当于为我们锁定了稳定的 现金流。" 从为食品包装打上清晰的生产日期，到在水晶内部雕刻出精美的图案；从将硼元素精准掺杂进硅片以提 升光伏转化效率，到在微米级的电路板上完成精密钻孔……在深圳大族激光的展厅里，大族激光 （002008.SZ）副总裁王磊为《中国经营报》记者展示了一系列"光的魔术"。"这一台台设备的高效运 转，离不开上下游数百家供应商的稳定支持。而他们能不能及时拿到资金，又直接决定了我们整个链条 的响应速度。"王磊如是说。 大族激光的发展态势，折射出当前中国科技制造业的核心命题：竞争已从企业间的"单兵较量"，升级为 产业链的"系统作战"。任何一环的"资金断点"，都可能拖累整个系统的创新节奏。 日前，记 ...

Core Viewpoint - Hengfeng Bank is deeply integrated into the regional development of Shandong, leveraging its financial expertise to support key sectors and address weaknesses, with a significant increase in green finance loans and digital supply chain financing [1][2][4] Group 1: Green Finance Initiatives - As of June, Hengfeng Bank's green finance loans grew nearly 20% compared to the beginning of the year, demonstrating a strong commitment to supporting low-carbon development [1] - The bank has introduced a "carbon reduction loan" model that links interest rates to carbon data, incentivizing companies to reduce carbon emissions [4] - Significant projects include a 30 million yuan special credit for a carbon dioxide recycling project and a 40 million yuan loan for energy-saving renovations, showcasing the bank's role in facilitating green projects [4][5] Group 2: Support for Technological Innovation - Hengfeng Bank focuses on supporting the development of new productive forces by aligning financial services with the needs of technological innovation and industrial upgrades [2] - The bank has tailored services for specialized and innovative enterprises, providing 140 million yuan in loans to support the growth of a national-level "little giant" enterprise in high-end aluminum production [2][3] - Innovative financing solutions, such as a 925 million yuan standby letter of credit, have been provided to support companies in emerging industries like virtual reality and biomedicine [3] Group 3: Digital Transformation and Inclusive Finance - Hengfeng Bank is enhancing its digital transformation to broaden the reach of inclusive finance, serving both core enterprises and underserved areas [6][7] - The "Hengrong E" smart supply chain financial brand has been launched, offering comprehensive online services that have supported over 6,000 clients with significant loan growth [6][7] - The bank has introduced products like "Hui Nong Quick Loan" to facilitate quick access to financing for agricultural merchants, demonstrating its commitment to meeting the needs of small and medium enterprises [7]

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].

Group 1 - Core viewpoint: Hengfeng Bank is actively transforming its business development approach by issuing domestic order financing of 4.4 million yuan to support the orderly production and operation of a new materials technology company, reflecting its response to policy requirements and market conditions [1] - Hengfeng Bank is focusing on domestic order financing, emphasizing the payment capacity of core enterprises and historical cooperation with upstream suppliers, providing financing based on a certain percentage of contracts to facilitate procurement and production operations [1] - This supply chain finance model addresses the financing difficulties faced by small and medium-sized suppliers, enhancing capital turnover efficiency and supporting the stable development of the supply chain [1] Group 2 - Hengfeng Bank has developed a digital supply chain finance brand "Hengrong E," creating a comprehensive service system that includes various financial products tailored to different industries [2] - The bank utilizes technology to break down "information silos," integrating multidimensional data for precise enterprise profiling, accelerating online product development, and improving financial service efficiency [2] - The loan and customer scale of the "Hengrong E" series products has seen a growth rate exceeding 50% for two consecutive years [2]