2025年以来，中国人民银行襄阳市分行以数字技术为驱动，推动数据赋能与场景应用深度融合，引导金 融机构依托资金流信息平台、"政采贷"线上平台、中小企业商业价值信用贷款平台、会计数据增信平 台，不断创新信贷服务模式，精准高效支持中小微企业。 中小企业商业价值信用贷款平台上线后，中国人民银行襄阳市分行通过专题培训、政策宣讲等方式，引 导金融机构加强平台应用。平台上线以来，襄阳市有7家金融机构与8家企业通过该平台达成融资协议， 涉及金额5200万元。 数据互联 "链动"企业融资 "从中标到获得贷款仅用10天，效率远超预期！"近日，谷城县某建筑安装工程公司负责人在获得8900万 元"政采贷"后连连称赞。据介绍，该公司中标某学校建设项目后，襄阳农商银行通过线上"政采贷"平台 抓取招标信息，依托中征应收账款融资服务平台与政府采购系统直联，通过整合政府采购合同信息，实 现从申请到放款全流程线上化，较传统模式大大缩短放款时间。该笔贷款的发放也标志着全市首笔中 征"工程贷"落地。 线上"政采贷"平台以政府采购合同为信用载体，通过政银企数据互联，为中小微企业提供"低利率、快 审批"的融资服务。中国人民银行襄阳市分行联合市县财政等 ...

Core Viewpoint - The introduction of the "Government Procurement Loan" (政采贷) by Luzhou Bank addresses the financing challenges faced by small and private enterprises in government procurement, enhancing their participation and market vitality [1][2] Group 1: Product Overview - The "Government Procurement Loan" product allows suppliers to pledge accounts receivable from government procurement contracts as collateral, eliminating the need for physical asset collateral [1] - The maximum loan amount is 10 million yuan, with a repayment period of up to 2 years, significantly alleviating the financial pressure on suppliers during project execution [1] Group 2: Market Impact - Luzhou Bank has extended its services to suppliers of high-quality state-owned enterprises at the county level and above, increasing the product's accessibility and coverage [1] - The successful financing of three suppliers for the Luzhou County water supply and drainage integration project, with a total credit amount of 20.59 million yuan and 10.29 million yuan disbursed, demonstrates the effectiveness of the "Government Procurement Loan" [1] Group 3: Future Outlook - Luzhou Bank plans to continue optimizing its product services and exploring new financial support models for small and private enterprises, contributing to a better business environment and high-quality economic development [2]

党建引领铸魂固本 夯实高质量发展政治根基 在新时代金融改革发展的浪潮中，党建工作始终是指引方向、凝聚力量的"定盘星"与"压舱石"。杭州银行北京分行党委深植红色基因，将党的政治优势转化 为发展优势，在理论武装中淬炼忠诚，在纪律建设中涵养正气，在组织建设中锻造堡垒，在人才培育中积蓄动能，为金融事业高质量发展筑牢坚实的政治根 基。 思想铸魂固根本。杭州银行北京分行党委构建起"四位一体"学习体系，党委理论学习中心组发挥"头雁效应"，党支部"三会一课"深耕细作，党委书记领学督 学压实责任，专家学者讲学拓宽视野，形成了全方位、多层次、立体化的学习格局。2024年，组织开展党的二十大专题学习活动超百场；27份党纪学习教 育"路线图"清晰勾勒出纪律红线，3次党委班子专题读书班、59次支部集中学习、32次书记专题纪律党课，让"两个维护"深深融入每一位党员的日常工作 当京津冀协同发展的春风拂过京华大地，当科技创新的浪潮激荡首都经济脉络，杭州银行北京分行将红色基因融入金融血脉，在服务首都高质量发展的征程 中践行着"金融为民"的初心使命。从2008年扎根北京，杭州银行北京分行党委始终把政治建设摆在首位，以"第一议题"制度锚定发展方向 ...

本报讯（通讯员 陈立朋）为进一步贯彻便民惠企及支持小微企业融资协调工作机制要求，认真落实省 联社及安康审计中心金融支持民营企业高质量发展银企座谈会精神，优化县域营商环境，深化"政银 企"合作，6月20日，"政银助企航·携手创辉煌"政银企恳谈会在汉阴农商银行召开，县委办（金融 办）、县政府办、县发改局、县金融监管支局等部（局）负责同志、汉阴县商贸联合商会企业代表、汉 阴农商银行领导班子及营业部（企贷中心）等负责人参会。 座谈会上，汉阴县发改局通报了2025年上半年优化营商环境情况，县经科局解读惠企纾困相关政策。汉 阴县祥之瑞环保建材有限公司、汉阴县月水硒谷生态农业有限公司负责人作了交流发言。汉阴农商银行 详细推介小微企业服务方案和金融政策，对秦V贷、诚税贷、政采贷、创业担保贷款、固定资产贷款和 流动资金贷款的准入条件、利率及贷款期限等进行了详细介绍。 期间，汉阴农商银行与汉阴县祥之瑞环保建材有限公司、汉阴县康安木业有限公司等6家企业签约授信 3500万元，还与汉阴县汉泰农业科技发展有限公司等5家企业意向授信4600万元。 座谈会上，县委常委、统战部部长刘勇肯定了汉阴农商银行支持县域民营小微企业高质量发展作出的贡 ...

Core Insights - The "301" online quick loan model has facilitated over 10 billion yuan in loans for Wuhan's financial institutions in the first quarter, providing new momentum for high-quality economic development in Wuhan [1] - The model allows small and micro enterprises to access credit quickly and efficiently, transforming the traditional loan application process into a seamless experience [2][4] - Data sharing among various departments has enhanced the accuracy of credit assessments, enabling banks to better serve small businesses [3][6] Group 1: Loan Accessibility and Efficiency - The "301" model enables businesses to complete the loan application process using just a mobile phone, significantly reducing the time from application to disbursement [2] - Small and micro enterprises have reported quick access to credit, with some receiving loans within minutes, compared to traditional methods that could take months [4][7] - The model has been adopted by 21 banks, resulting in a total of 720.5 billion yuan in loans issued since its inception [7] Group 2: Data-Driven Credit Assessment - The model leverages data from tax, social security, and other sources to create a comprehensive credit profile for businesses, allowing for more accurate risk assessments [3][6] - The introduction of the "knowledge value" credit loan specifically targets technology-driven small enterprises, enabling them to secure funding based on their innovation potential [4][6] - The "301" model has led to a 40% increase in average credit limits for technology enterprises, reflecting its positive impact on financing for innovative businesses [6] Group 3: Broader Economic Impact - The "301" model is seen as a benchmark innovation in digital finance within Hubei province, significantly improving financial service efficiency for small businesses [8] - The initiative aims to extend services to rural areas and technology sectors, with a goal of covering 500,000 market entities by the end of the year [6]

为破解中小微企业融资难题，优化信用环境，4月28日，中国人民银行安顺市分行组织召开专项宣讲会，重点推介 中征应收账款融资服务平台与全国中小微企业资金流信息共享平台。来自人民银行安顺市分行、安顺市发展改革 委、安顺市工商联及全市22家金融机构及企业家、商会代表等100余人参会。 会上，平台功能与应用成为焦点。中国人民银行安顺市分行及贵州银行安顺市分行、建设银行安顺市分行的专家 详细解读了平台政策、功能、操作流程，并分享成功案例，引导企业"知平台、信平台、用平台"，鼓励供需双方 加大平台使用推广力度。 会议现场。 会议旨在提升中小微企业对这两大国家级平台的知晓度，鼓励金融机构依托平台数据高效服务企业，缓解融资 难、融资贵问题，推动安顺中小微企业高质量发展。 中国邮政储蓄银行安顺市分行、安顺农商银行则带来各自服务"金融五篇大文章"的特色金融产品和惠企政策，将 最新的金融服务信息直接传递给在场企业家。安顺农商银行在会上也分享了经验：通过"政策引导+场景深耕+宣 传覆盖"的组合策略，指导企业客户通过中征平台提交融资申请，迅速响应并完成调查审批，成功发放了安顺市首 笔基于平台的"政采贷"，实现了金融资源对地方实体经济的精 ...

在全国两会精神和政府工作报告中关于金融服务实体经济要求的指引下，作为扎根江西的本土金融机构，赣 州银行深入贯彻党中央、国务院关于普惠金融的战略部署，全力推动小微企业融资协调工作，致力于为小微 企业发展破除障碍，为区域经济的高质量发展持续注入金融"活水"。 专属金融，精准滴灌家装商户 截至目前，已有5357户商户通过赣州银行参与"2025年赣州市家装厨卫焕新活动"，累计交易12.36万笔，累计 促进家装消费 6.92亿元。赣州银行的金融系统全程提供支撑，活动期间积极开展家装厨卫商户贷营销工作， 累计授信金额超5000万元，为商户注入资金活力，推动行业蓬勃发展。 创新金融，激发科技企业活力 在科技创新成为经济发展核心驱动力的当下，赣州银行紧跟政策步伐，高度重视科技金融领域。针对科技型 中小企业轻资产、缺抵押物但创新能力强、成长性高的特点，通过优化升级"赣银e链"等供应链金融产品， 搭配政采贷业务，以高额度、低利率、快审批、还款灵活的优势，化解企业融资困境。 为积极响应赣州市商务局启动的家装厨卫焕新活动，赣州银行勇挑金融主力军重担，全方位、高质量地服务 客户与商户，助力国家两新政策惠及更多的商家和消费者。 （一）全 ...

Core Viewpoint - Postal Savings Bank of China Sichuan Branch is actively supporting local economic development through innovative financial products and services, focusing on technology finance, rural revitalization, and inclusive finance to enhance the growth of small and micro enterprises and agricultural sectors [4][12]. Group 1: Financial Support for Technology Enterprises - The Sichuan Branch successfully launched the first "Tianfu Service Guarantee Loan" in the province, providing a customized credit solution of 1 million yuan to a medical technology company within 5 working days [5][6]. - The bank has developed various financial products such as "Kechuang e-loan" and "Kechuang loan" to support high-quality development of technology enterprises, with a loan balance exceeding 20 billion yuan as of the end of March [7][12]. - A national-level specialized "little giant" enterprise received a 15 million yuan unsecured loan in just 5 working days, demonstrating the bank's ability to provide rapid financing solutions [6][9]. Group 2: Support for Agricultural Development - The bank has injected financial resources into spring farming, with a focus on digital financial solutions to enhance rural revitalization efforts [8][9]. - A family farm operator received 300,000 yuan in financing through a combination of online and offline services, addressing urgent funding needs for equipment upgrades [8][9]. - As of the end of March, the bank's agricultural loan balance reached 111.8 billion yuan, with a net increase of 1.7 billion yuan, supporting over 70,000 farming households [9][12]. Group 3: Services for Small and Micro Enterprises - The bank has issued over 35 billion yuan in loans to small and micro enterprises this year, serving more than 44,000 clients with an average loan amount of approximately 800,000 yuan [11][12]. - Customized financial service solutions have been developed to simplify loan approval processes and reduce collateral requirements for small businesses [10][11]. - A labor dispatch company received a 10 million yuan "Small Micro Easy Loan - Government Procurement Loan," showcasing the bank's tailored approach to financing challenges faced by small enterprises [11].

近日，苏州银行披露2024年年报和2025年一季报。面对纷繁复杂的国内外环境及日趋激烈的市场 竞争，苏州银行始终践行金融工作的政治性和人民性，坚定"以客户为中心"的一体化经营战略， 交出了一份稳中有进、进而有为的发展答卷。截至2025年一季度末，该行资产规模突破7000亿元 大关、存贷规模保持良好增长态势、不良贷款率持续保持低位……探究良好发展态势背后，是该 行加速推进数字化转型，赋能风险防控、驱动管理升级、引领业务创新，为实现高质量发展注入 了科技动能。 科技引领业务创新：构筑数字化服务与智能金融新生态 当前数字人民币试点进入深水区、移动支付市场化竞争提级、金融产品线上化服务需求日益 旺盛，商业银行如何以科技重构服务边界？苏州银行持续优化数字化服务，在数字化转型赛 道上展现"苏式"金融"加速度"。该行借力多方协同，创新推出省内唯一外卡内绑支付便利化 产品Su -Pa y 2 . 0，助力外籍人士便捷支付；进一步完善2 . 5层数字人民币服务体系，成为全省 首家以受理服务机构身份成功接入数币央行端系统的城商行，并持续加大试点场景创新，数 字人民币交易结算量近4 5 0 0亿元，在2 . 5层银行中保持领先。持 ...