智能风控模型+全行服务一家，全力打造脱核潮头产品 在这一先进风控模型的支持下，招商银行的"脱核"融资产品实现了对供应链上下游的全面覆盖与精准服 务： 在数字经济的浪潮下，招商银行前瞻性地构建了强大的线上智能风控模型，以此为核心引擎，打造包 括"招链易贷""经销易贷"及"供应链招企贷"在内的全系列供应链"脱核"融资产品，为产业链上下游小微 企业企业提供了高效、普惠的金融解决方案。 齐鲁晚报·齐鲁壹点记者 尚青龙 临近年末，鲁花集团的生产线上加工设备不停运转，刚下线的产品随即被经销商们拉走变成春节旺季储 备，而库房满满的小微经销商们却没有往年"销售有路、兜里没钱"的困扰。随着招商银行青岛分行"经 销易贷"业务的落地，经销商凭借同鲁花的交易数据和自身信用记录，可以随时在线上申请经销商融资 额度，并向核心企业完成货款支付。这一创新业务的背后，是2025年招商银行青岛分行供应链融资产品 由信用输出类产品向脱核产品的深刻变革。 政策驱动＋市场需求，脱核融资成为必然选择 供应链融资由信用输出向脱核的转变有深层的政策背景和市场逻辑。所谓"脱核"，即打破传统依赖核心 企业信用输出模式，转为依托产业链中交易记录、履约表现等多维度 ...

Core Viewpoint - The article emphasizes the importance of supporting the real economy and highlights the efforts of China Merchants Bank's Changsha branch in providing comprehensive financial services to enterprises, particularly in cross-border financing and support for small and micro enterprises [1][2]. Group 1: Cross-Border Financing - China Merchants Bank's Changsha branch has established a cross-border comprehensive service system to support enterprises in overseas financing, cross-border settlement, and exchange rate risk management, resulting in a significant increase in cross-border loan balances by November 2025 [1] - The branch successfully arranged a 480 million RMB offshore syndicated loan for a green energy project in Kyrgyzstan, marking a breakthrough for Hunan enterprises in Central Asia [1] - The project exemplifies the bank's commitment to green finance and the Belt and Road Initiative, integrating ESG principles into its development strategy [2] Group 2: Support for Small and Micro Enterprises - As of November 2025, the bank's inclusive loan balance reached 15.5 billion RMB, with an annual growth rate of 11.8%, serving nearly 18,800 small and micro enterprises [4] - The bank has implemented innovative financing solutions, such as the "Chain Loan" service, which facilitated 3 million RMB in order financing for a small enterprise within one day, addressing cash flow issues [5] - The introduction of the "Science and Technology Talent Loan" in collaboration with Central South University allows for rapid online approval for innovative enterprises, enhancing the bank's support for technology-driven small businesses [5] Group 3: Digital Transformation - The bank is leading in digital transformation through self-developed technology, with products like "Salary Fortune" enhancing operational efficiency for large enterprises by integrating payment and data security features [8] - The "E-Catering" service has supported 396 enterprises and 307,000 employees in Changsha, demonstrating the bank's commitment to empowering small businesses through digital solutions [9] - A dedicated digital empowerment team of 35 members is focused on providing comprehensive support for enterprises' digital transformation needs [9] Group 4: Commitment to Sustainable Development - The bank's initiatives reflect a deep commitment to sustainable development, integrating green finance into its core operations and promoting the use of cross-border RMB [2] - The bank aims to align its strategies with national economic goals, emphasizing the importance of high-quality economic development and the role of financial services in achieving these objectives [9]

Core Viewpoint - The article emphasizes the role of招商银行东莞分行 in supporting the high-quality development of enterprises in Dongguan through financial services, particularly focusing on technology and innovation-driven companies. Group 1: Financial Support for High-Tech Enterprises - 招商银行东莞分行 provides precise financing support for specialized and innovative high-tech enterprises, with a manufacturing loan balance of 23.665 billion and a technology loan balance of 14.669 billion as of October 2025, serving 3,970 technology enterprises [5][6]. - 广东鼎泰高科技术股份有限公司 has leveraged the bank's financial support to expand production capacity and enhance business development [6]. Group 2: Inclusive Finance and Customized Products - 招商银行东莞分行 has developed customized financing products for innovative small and medium-sized enterprises, including "Innovation Points Loan" and "Industry Points Loan," which have reached 725 enterprises and disbursed over 600 million since May 2024 [6][8]. - The "莞招码上测" product system allows enterprises to easily access financing options through a simple scan, reducing barriers for inclusive finance [8]. Group 3: Digital Financial Services - The bank has facilitated digital transformation for enterprises like 东莞徐福记食品有限公司 by integrating financial management systems, enhancing efficiency in payroll and expense management [8][9]. - The CBS system launched in August 2021 has enabled 6,353 enterprises to manage their financial operations more effectively, contributing to cost reduction and efficiency [8]. Group 4: Cross-Border Financial Services - 招商银行东莞分行 has established a comprehensive cross-border financial service model, supporting enterprises in managing cross-border funds, global accounts, and currency risk [10]. - 佳禾智能科技股份有限公司 has benefited from the bank's international business expertise and flexible financial solutions, facilitating its international expansion [10][11].

Core Viewpoint - The development of inclusive finance is a crucial initiative at the national level to promote economic inclusive growth and maintain social fairness, with significant social implications in stabilizing employment, ensuring livelihoods, and promoting innovation [1] Group 1: Product Innovation - The company is enhancing traditional micro-enterprise mortgage loans while leveraging digital transformation to strengthen channel construction, promoting the integration of online and offline development [2] - New online financing products for micro-enterprises have been launched, including Lightning Loan, Government Procurement Loan, Medical Insurance Loan, and others, effectively meeting the quick financing needs of various micro-market entities [2] - As of August 2025, the company has served 17,000 micro-loan clients with an average loan balance of 730,000 yuan, demonstrating a commitment to making finance accessible to the public [2] Group 2: Risk Pricing - The company is optimizing the risk pricing scheme for micro-enterprise financing to reduce financing costs, with the profit subsidy for inclusive micro-loans increased to 70 basis points since 2022 [3] - The risk weight for small and medium enterprises has been lowered to 85%, and for eligible micro-enterprises to 75%, effectively promoting price reductions [3] - As of August 2025, the average interest rate for newly issued inclusive micro-loans is 3.12%, a decrease of 0.75 percentage points year-on-year, alleviating the financing cost pressure on micro-enterprises [3] Group 3: Credit Support - The company emphasizes early credit support through detailed KYC processes to ensure quick lending, targeting long-term stable cooperative clients and technology innovation enterprises [4] - Active marketing strategies are employed to promote the concept of "credit can be prepared but not used without preparation," enhancing the efficiency of micro-financial services [4] - As of August 2025, the company achieved an inclusive loan balance of 12.46 billion yuan, a year-on-year increase of 9.15%, reflecting its commitment to supporting the development of the real economy [4]

Core Viewpoint - The 2025 China International Service Trade Fair showcased China Merchants Bank's innovative financial services and commitment to integrating technology with finance, emphasizing its "Five Major Articles" strategy and differentiated development [1][8]. Group 1: Exhibition Highlights - China Merchants Bank's exhibition featured a space capsule-style wealth experience hall, integrating cutting-edge technology with financial services, creating an engaging and interactive environment for attendees [2]. - The exhibition included various functional areas such as command windows, weightlessness experience pods, and energy matrix activation walls, allowing visitors to explore the bank's achievements in a fun and immersive way [2][3]. Group 2: Financial Innovations - The bank highlighted its commitment to technology finance, showcasing products like "Science and Technology Loans," which have provided over 47 billion yuan in credit to innovative enterprises, with more than 14 billion yuan disbursed [3]. - China Merchants Bank introduced a "Starry Sky" action plan to support various categories of innovative enterprises, achieving over 80% coverage of "little giant" companies in Beijing [3]. Group 3: Green Finance Initiatives - The bank presented its green finance achievements through a visual product system, including the first rural revitalization-themed green bond and the first commercial bank bond compliant with the "Green Bond Principles" [4]. - The bank's Beijing branch established the first "assembly + carbon neutrality" outlet in the financial industry, promoting green concepts and actions among its staff [4]. Group 4: Inclusive Finance Efforts - The bank demonstrated its supply chain finance models, such as "Zhaolai Easy Loan," aimed at enhancing financial services for small and micro enterprises, with a reported growth rate of over 10% in public inclusive loans [4]. Group 5: Pension Finance Services - China Merchants Bank's personal pension main account system has issued over 86 million electronic social security cards and managed a pension trust scale of 266.5 billion yuan [5][6]. Group 6: Digital Finance Developments - The bank showcased its digital finance achievements, including the "Financial Management Cloud" and "E-Canteen" services, enhancing user experience and operational efficiency [6]. - It is noted as the first bank in the industry to issue online consumer loans using digital currency, reflecting its commitment to smart financial services [6]. Group 7: Future Outlook - Looking ahead, China Merchants Bank aims to anchor its financial work in political and public service, focusing on supporting the real economy and responding to public needs, thereby contributing to high-quality development [8].

Group 1 - Shanghai banks are focusing on supply chain finance to support small and micro enterprises by leveraging core enterprise credit, asset credit, and data credit evaluations [1] - Ningbo Bank's Shanghai branch has created a comprehensive service ecosystem for core enterprises and their suppliers, resulting in a 2.3% reduction in overall financing costs for a leading new energy vehicle company and its 46 suppliers [1] - China Merchants Bank's Shanghai branch has implemented a digital "payment agency" service for a chip industry core enterprise, facilitating financing for seven suppliers and improving overall operational efficiency [1] Group 2 - Multiple banks in Shanghai have launched the "Electric Carbon Benefit Loan" project, providing over 100 million yuan in low-cost green credit to small and micro enterprises in the electric grid industry, promoting their transition to green and low-carbon development [2] - Agricultural Bank of China Shanghai branch has introduced carbon footprint-linked supply chain loans, offering differentiated interest rates based on suppliers' carbon footprint reports [2] - China Merchants Bank's Shanghai branch has developed a "de-core" model for a large hotel chain, enabling small micro clients to access credit based on transaction data rather than core enterprise credit [2] Group 3 - China Construction Bank's Shanghai branch has partnered with a logistics company to launch the "De-core Chain Loan" product, integrating data, funds, and logistics to address financing challenges for downstream enterprises in the steel industry [3] - Agricultural Bank of China Shanghai branch has collaborated with the Shanghai Financing Guarantee Center to introduce a "non-ferrous metal supply chain financial batch loan," utilizing blockchain technology for a de-core financing model [3] Group 4 - Shanghai Huari Bank has launched the "Rui e Hui" smart supply chain financial product, utilizing big data to provide online inclusive financing services for small and micro enterprise suppliers [4] - The bank focuses on logistics, e-commerce, and pharmaceutical procurement sectors, helping enterprises overcome financing difficulties through in-depth data analysis and real-world transaction behavior [4]

Core Insights - The article highlights the integration of innovation-driven enterprises and research institutions in Shanghai's Songjiang District, which serves as a hub for emerging industries such as high-end equipment, new materials, and biomedicine, forming a complete innovation and industrial chain that drives regional economic development [1] Group 1: Financial Services and Innovation - The "fund + park + industry" integrated service model established by China Merchants Bank Shanghai Branch aims to better serve technology enterprises by providing a comprehensive financial service ecosystem [1][2] - As of June, the national technology loan balance reached 44.1 trillion yuan, with a year-on-year growth of 12.5%, outpacing the overall loan growth by 5.8 percentage points [1] Group 2: Benefits of Industrial Parks - Technology enterprises benefit from industrial parks through professional support that meets their high R&D demands, with R&D investments typically accounting for 15%-30% of revenue [3] - Industrial parks facilitate resource integration and collaboration among technology enterprises, enhancing their competitive edge through vertical industry cluster effects [3] Group 3: Financial Innovation and Support - China Merchants Bank has introduced the "Science and Technology Talent Loan" to address financing challenges faced by small and micro technology enterprises stemming from their asset-light nature [6] - The bank has developed a technology enterprise qualification scoring model to identify growth potential beyond financial metrics, offering tailored financing products such as "Science and Technology Loans" [6][7] Group 4: Future Directions in Financial Services - The focus on creating a comprehensive financial service ecosystem for industrial parks includes integrating external resources and establishing long-term communication mechanisms with government departments and industry associations [4] - The bank plans to enhance its technology financial services by transforming more branches into "technology financial specialty branches" over the next three years [8]

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].