为破解企业融资难题，深化金融与产业融合，7月4日，2025年湖南湘江新区金融到家系列"惠及千企 产融有招"投融资对接会在招商银行长沙分行私人银行 中心成功举办。本次活动由湖南湘江新区管理委员会财政金融局主办，湘江新区企业融资及上市服务中心和招商银行长沙分行承办。会议汇聚招商局资本、 啟赋资本、中金公司等头部投资机构专家，精准邀请了新区20余家优质科创企业参会，通过政策解读、融资策略分享、服务方案宣导以及现场交流等方式， 为辖区企业注入金融动能，全力助推新区经济高质量发展。 政银协同，创新产融新模式 招商银行长沙分行营业部综合支行行长刘洋女士强调了将深度协同湘江新区金融创新战略。针对新区风险补偿政策的风险共担、成本优化与效率提升三大机 制，招商银行已构建"基金+产业+科技"新型服务模式，为中小企业打造信贷审批"绿色通道"和股权融资对接渠道。凭借投商行一体化服务优势，招商银行创 新搭建"产融智库、产融生态、产融有招、产融科技"四合一的服务体系，精准匹配科技-产业-金融循环需求。 资本把脉，解码融资新策略 招商局资本中部区域执行董事陶恩先生指出目前市场发生了结构性转变，更看重企业现金流造血能力。出资主体从美元基金转 ...

Core Viewpoint - The article emphasizes the importance of boosting consumption and investment efficiency to expand domestic demand, with a focus on various consumer segments and financial support initiatives by China Merchants Bank's Guangzhou branch [2]. Group 1: Consumer Support Initiatives - China Merchants Bank Guangzhou branch is enhancing personal consumption loan products to meet the needs of consumers, particularly in large purchases like automobiles and home appliances [3]. - The "Lightning Loan" product offers features such as instant approval and flexible repayment, aimed at reducing financing costs for consumers [3]. - The bank is actively promoting the "Lightning Loan·Renewal Plan" to support appliance replacement and home upgrades, alongside various consumer discounts and payment incentives [3]. Group 2: Support for Small and Micro Enterprises - The bank is increasing its services to small and micro enterprises, providing financing solutions through a comprehensive supply chain financial service system [4]. - Products like "Zhaolian Yidai" and "Jingxiao Yidai" are designed to support upstream and downstream enterprises, enhancing their access to financing [4]. - The bank is leveraging data-driven financing solutions to address the challenges faced by small and micro enterprises in securing funds [4]. Group 3: Elderly Financial Services - The bank is developing a pension financial brand to cater to the aging population, focusing on high-quality service paths for elderly clients [5]. - It offers a full-process service for the third pillar of personal pension systems, with a notable number of clients and contributions in the region [5]. - The bank has completed the renovation of 77 branches to improve accessibility for elderly customers, including home service mechanisms for those with mobility issues [5]. Group 4: Future Directions - The bank plans to continue enhancing inclusive financial services to support consumer upgrades, small enterprise growth, and the well-being of new urban residents [6].

Group 1 - The core initiative is the "Thousand Enterprises and Ten Thousand Households Visit" campaign launched in Futian District to enhance financial services for small and micro enterprises, addressing their financing difficulties [1] - Since the campaign's launch in October 2024, the financial service team has visited 25,000 enterprises, granting credit to 7,200 of them, with a total credit amount of 75 billion yuan and loans exceeding 31 billion yuan [1] Group 2 - Customized financial service solutions have been developed to address specific financing challenges faced by enterprises, such as a company with 12 core patents that required 10 million yuan for expanding its experimental base [3] - The China Construction Bank Shenzhen Branch introduced a targeted "Shanxin Loan + Technology e-loan" combination to meet the financing needs of a technology enterprise [3] - The招商银行福田支行 service team matched a rapidly growing LED technology company with the "Zhaoqi Loan" product, providing timely financial support based on its operational data and tax records [3] Group 3 - The Jiangsu Bank Futian Branch established a green approval channel and innovative credit assessment system to optimize financing services for technology enterprises, reducing approval time by 30% for a 10 million yuan loan [4] - A rapid response mechanism was created by Ningbo Bank Shenzhen Branch, allowing a high-end chip trading company to receive a 10 million yuan credit approval within two weeks, significantly improving financing efficiency [4][5] - The financial service team plans to deepen cooperation between government, banks, and enterprises, establishing a regular visiting mechanism to create a comprehensive financial service system for the high-quality development of the real economy in Futian District [5]