转自：新华财经 做好"五篇大文章"，是当前金融系统服务实体经济、推动高质量发展的重要使命。随着"双碳"目标的深入推进与科技创新的加速发展，"绿色金融"与"科技 金融"深度融合、交相辉映，呈现出"你中有我、我中有你"的共进状态。在这一背景下，那些处于"绿色"与"科技"交叉地带的新兴产业，正成为驱动经济转 型的重要引擎。 近期，建设银行成都第三支行成功为成都市某高新技术企业发放技术改造贷款1.5亿元，该笔贷款成功认定为绿色贷款，并通过了人民银行技术改造再贷款 审核，实现科技金融与绿色金融政策红利深度融合，企业融资成本下降约60%。 建行成都三支行为该高新企业定制金融服务方案讨论会现场 建行成都第三支行获悉该重点高新技术企业计划打造一座全新的智慧工厂，涉及大规模的定制化厂房建设和先进设备购置，支行服务团队主动上门对接，量 身定制综合金融服务方案。由于企业定制化厂房符合绿色三星建筑标准，支行还为其申请绿色信贷认定，进而降低企业融资成本。 "更值得一提的是，它还用到了人行的技术改造再贷款这一结构性货币政策工具。我在参与办理的过程中深切体会到，这笔贷款不只是一串数字，更是在搭 建一座连接宏观政策与微观市场的桥梁。"建行客 ...

Group 1 - The financial system in Huaihua City, Hunan Province, is promoting deep integration of finance and industry, exemplified by various successful cases such as a 20 million yuan technology transformation loan for recycling waste batteries and a new financing path combining equity and debt for the local building materials industry [1] - As of April 2025, the loan balance for the private economy in Huaihua reached 59.59 billion yuan, a year-on-year increase of 8.5%, with loans to private enterprises at 29.55 billion yuan, up 12.8%, benefiting over 5,000 companies and covering sectors like manufacturing and new energy [1] Group 2 - The People's Bank of China Huaihua Branch has introduced a special action plan to support the high-quality development of the private economy, focusing on expanding financial supply, enhancing service capabilities, and broadening financing channels for private enterprises [3] - From January to April 2025, financial institutions in Huaihua issued loans totaling 9.76 billion yuan to ten key industries, with a weighted average interest rate 1.1 percentage points lower than the overall rate for enterprises [3] Group 3 - The bank has strengthened policy promotion and interpretation, conducting various activities to address financing difficulties for private enterprises, including the publication of a financial service manual that compiles over 30 policies and 20 financial products [4] - Since 2025, over 20 policy promotion events have been held, benefiting more than 30,000 market entities and distributing over 7,000 financial service manuals [4] Group 4 - Financial institutions in Huaihua are leveraging technology to address the financing challenges faced by private enterprises, introducing innovative products like "Technology Loans" and "Knowledge Property Pledge Financing" to meet the specific needs of technology-driven companies [5][6] - The use of data from national and provincial credit information platforms has enabled banks to develop products like "Flow Loans" and "Capital Flow Loans," enhancing the financing service model [6] Group 5 - The People's Bank of China Huaihua Branch has implemented initiatives to improve financial service quality for private enterprises, including a "White List" system to identify key enterprises and their financing needs, resulting in significant engagement with banks [7] - Since 2025, over 3,000 enterprises have been identified on the "White List," with financing needs exceeding 4 billion yuan, and banks have conducted over 200 visits to industrial parks and major projects [7] Group 6 - The bank is promoting transparency in loan costs by guiding banks and enterprises to fill out a comprehensive financing cost checklist, which has led to a decrease in financing costs for small and micro enterprises [8] - From January to April 2025, the interest rate for inclusive loans to small and micro enterprises in Huaihua decreased by 0.73 percentage points, resulting in over 90 million yuan in savings for enterprises [8]

Core Viewpoint - Recently, Industrial Bank's Nanning Branch provided a loan of 86.8 million yuan to a listed new energy vehicle company for the construction of an intelligent manufacturing project for hybrid crankshafts, supporting the company's smart manufacturing upgrade [1][2]. Group 1: Financial Support and Strategy - The loan is part of a broader strategy by Industrial Bank to accelerate the layout of five new financial sectors: science and technology finance, inclusive finance, energy finance, automotive finance, and park finance [1]. - The Nanning Branch has tailored financing solutions for the new energy vehicle company by optimizing approval processes, matching special quotas, and offering preferential interest rates to ensure funds reach the company's R&D and production frontline [2]. - As of now, the Nanning Branch has cumulatively provided 276.93 million yuan in loan support for the project, assisting the company in optimizing financial management and reducing financing costs [2]. Group 2: Technological and Economic Integration - The Nanning Branch employs a "technology flow" credit evaluation system, converting the company's patent technology, R&D investment, and market prospects into financing "hard currency," providing long-term stable credit support [2]. - The bank continues to optimize its "commercial bank + investment bank" service model to offer a comprehensive suite of financial services, including investment-loan linkage, supply chain finance, and cross-border settlement, aiding the company in achieving sustainable development [2]. - The Nanning Branch aims to integrate "park finance + technology finance" to construct a comprehensive financial ecosystem that provides timely financial assistance to high-tech industrial clusters [3].