记者从甘肃金控集团获悉，2025年甘肃省融资信用服务平台——"甘肃信易贷·陇信通"平台撮合银企实现放款破千亿，同比增长超30%。 "甘肃信易贷·陇信通"平台是甘肃金控集团下属甘肃征信股份有限公司，在省营商环境建设局、人民银行甘肃省分行的指导下，整合省级层面五大融资信 用服务平台，建成具有数字信用、融资撮合、融资增信三大功能的信用融资平台，于2024年12月上线运行。 平台上线以来，甘肃征信持续推动"政、银、企"信息互通和共享应用，成功构建起集"一键式对接金融机构、一站式获得金融服务、全方位享受政策扶 持"于一体的数字化"金融超市"，汇聚各类贷款产品1549个，累计认证经营主体达68.78万户，征集信用数据超3.19亿条，覆盖经营主体超过249万户。 "'甘肃信易贷·陇信通'平台是向全省金融机构提供公共信用信息服务的'唯一出口'。"甘肃金控集团相关负责人介绍，平台运用多维度信用数据对企业进行 数字信用画像，通过发布融资需求、推送金融产品、供需智能匹配，促成信贷需求精准高效对接，以解决银企信息不对称问题。同时，在贷前获客、贷中 管理、贷后预警中嵌入信用报告等征信服务，提高金融机构贷款效率，拓宽企业融资增信途径。 ...

"'甘肃信易贷·陇信通'平台是向全省金融机构提供公共信用信息服务的'唯一出口'。"甘肃金控集团相关 负责人介绍，平台运用多维度信用数据对企业进行数字信用画像，通过发布融资需求、推送金融产品、 供需智能匹配，促成信贷需求精准高效对接，以解决银企信息不对称问题。同时，在贷前获客、贷中管 理、贷后预警中嵌入信用报告等征信服务，提高金融机构贷款效率，拓宽企业融资增信途径。 为进一步提升平台服务质效，2025年以来，甘肃征信在平台优化、功能互通、数据共享、技术赋能等方 面持续发力，推出一系列创新性举措，推动政务服务与金融服务深度融合，完成平台与"甘快办"系统对 接工作，全新升级"政采贷"服务专区，推动政府采购中标企业融资服务数字化，实现政采贷业务闭环， 提升了中小微企业融资效率。同时，依托数据驱动与大模型辅助，打造金融"五篇大文章"特色板块，为 平台用户提供更便捷的融资信用服务。 "'甘肃信易贷·陇信通'平台真是帮我们企业解决了大问题。"甘肃一家农业公司负责人肖先生说，企业在 平台发布融资需求后，当天兰州农商银行工作人员就来联系对接，并开通金融服务"绿色通道"，顺利投 放100万元贷款，及时满足企业后续项目建设资金需要 ...

来源：环球网 近年来，作为扎根本土的"金融豫军"排头兵，中原银行锚定河南省"两高四着力"战略方位，奋力书写着 时代同频、金融赋能的出彩篇章。 担重任，深耕中原沃野。扛稳粮食安全和生态保护重任，中原银行创新推出"智能仓管"供应链金融模 式，为收储、加工、贸易企业融资支持；开发"乡村振兴产业普惠贷"产品体系，推出专项信贷服务；积 极投身绿色金融，支持环保产业转型升级，持续助力河南承载"中原粮仓""乡村振兴"等战略使命。 颂文旅，厚植文化底蕴。以金融"活水"润泽文化沃土，立足本土资源禀赋，中原银行鼎力支持龙门石 窟、少林寺、红旗渠、老君山等金牌IP和项目，提供长期项目贷款、并购贷款、经营性物业贷等多元化 产品组合，为文旅产业战略整合、创新业态、市场运营提供强劲金融动力。 铸脊梁，赋能产业兴省。从车间流水线到产业生态圈，中原银行将延伸金融服务触角，以新材料、装备 制造、清洁能源行业为发力点，锚定高技术制造业、战略性新兴产业、"双碳"目标等核心领域，精准满 足企业产能跃迁、技术迭代、数智蝶变的资金需求，深度嵌入河南产业升级脉络。 惠民生，服务千企万户。聚焦"着力改善民生、加强社会治理"要求，着眼增强民企贷款可获得性和便 ...

Core Viewpoint - Since the beginning of the 14th Five-Year Plan, China Merchants Bank's Ganzhou branch has prioritized serving local economic and social development, focusing on financial innovation and support for various sectors [1] Group 1: Technology Financial Innovation - The Ganzhou branch has concentrated on the technology innovation sector, enhancing financial services to help enterprises overcome financing challenges, contributing to high-quality regional economic development. As of the end of October, the balance of technology loans reached 2 billion yuan, with an increase of nearly 1.1 billion yuan since the beginning of the year, representing a growth rate of 90% [2] - The branch has introduced specialized financial products like "Tech Innovation Loans," with a current balance exceeding 74 million yuan, and has optimized the financing environment for tech enterprises through subsidies and supply chain financing, achieving a general loan balance of approximately 1.3 billion yuan [2] Group 2: Inclusive Financial Services for Small and Micro Enterprises - During the 14th Five-Year Plan, the Ganzhou branch promoted various financing products such as government procurement loans and small micro loans, aiming to address the operational funding needs of enterprises. By the end of October 2025, the balance of inclusive small micro loans is expected to reach about 2.3 billion yuan, serving around 3,100 clients [3] - The branch has implemented preferential interest rate policies and differentiated pricing strategies for small micro enterprises, resulting in an average interest rate reduction of 228 basis points compared to 2021 for newly issued retail small micro loans [3] Group 3: Elderly Financial Services - The Ganzhou branch has focused on the core needs of elderly clients, enhancing service accessibility by equipping branches with practical tools and promoting a simplified version of their app for seniors. As of now, approximately 240,000 electronic social security cards have been issued [4] - The branch has developed a comprehensive pension financial service system, with a total pension account opening of about 25,000 and a deposit amount of approximately 7.5 million yuan, averaging 4,500 yuan per account [4] Group 4: Digital Service Upgrades - The Ganzhou branch has improved customer experience by focusing on key service scenarios such as meal tickets and transportation services, with nearly 1,400 enterprises registered for the "Salary Benefit" service and over 30 using the "Meal Ticket" service, serving more than 32,000 customers [5] - The branch has also enhanced digital transformation efforts, collaborating with the local housing fund center to provide comprehensive online services for housing fund inquiries and transactions, and has received recognition for its service excellence [6]

Core Viewpoint - China Merchants Bank Nanchang Branch has been committed to serving the local economy and social welfare in Jiangxi for 27 years, focusing on differentiated, refined, intelligent, and professional financial services to support economic development and improve people's livelihoods [1] Financial Development and Services - The bank has implemented the "1269" action plan during the 14th Five-Year Plan period, aiming to achieve over 100 billion yuan in loans and over 140 billion yuan in deposits by September 2025, serving over 4.34 million personal customers and nearly 70,000 corporate customers [1] - The bank has established a "six specialized" mechanism in technology finance, providing differentiated financial services to tech enterprises, with a technology finance loan balance exceeding 11.6 billion yuan and an annual increase of nearly 3.2 billion yuan by September [2] - In green finance, the bank promotes various green loan products, achieving a green loan balance of over 8 billion yuan with an annual increase of nearly 1.8 billion yuan [2] - The bank has set up a working group for small and micro enterprise financing, resulting in a balance of inclusive loans exceeding 23.3 billion yuan and an annual increase of nearly 1.1 billion yuan [2] Support for Key Industries - The bank focuses on supporting key industries such as non-ferrous metals, electronic information, equipment manufacturing, new energy, and pharmaceuticals, with a target loan growth rate exceeding the average growth rate of corporate loans by 13.5 percentage points [3] - By 2025, the bank plans to invest over 10.7 billion yuan in 12 key industrial chains, enhancing support for regional quality industries [3] Rural Revitalization Initiatives - The bank emphasizes support for rural areas, particularly in renewable energy projects, with nearly 100 million yuan in loans for rural infrastructure and over 3 billion yuan in new loans for agriculture and rural development by 2025 [4] - The bank actively supports specific villages in Jiangxi, enhancing local industries and community projects to improve residents' income [4] Innovation and Customer Service - The bank prioritizes customer-centric service, implementing a "one-hour response" mechanism to enhance customer satisfaction and service experience [5] - The bank integrates counter and lobby services to create a seamless service experience, recognized as a model for civilized service [5] Product and Business Innovation - The bank promotes various digital products such as "Salary Welfare," "E-Catering," and "Financial Management Cloud," providing comprehensive solutions for enterprises [6][7] - The bank has developed innovative financing products based on government procurement contracts, supporting over 500 suppliers [7]

Core Viewpoint - The 19th Shenzhen International Financial Expo showcases innovative financial products and services aimed at supporting the real economy, with a focus on technology finance and inclusive finance, highlighting the role of financial institutions in driving high-quality development in Shenzhen [1][12]. Technology Finance - Shenzhen is recognized as a national high-tech innovation hub, with over 12.5 national high-tech enterprises per square kilometer and leading the country in PCT international patent applications for 21 consecutive years [5]. - Shenzhen Industrial and Commercial Bank (ICBC) provides comprehensive financial support to technology companies like Kenqing Technology, facilitating technology transformation, production scale expansion, and market promotion [3][5]. - The bank has developed a full-cycle "technology innovation product group" to activate the value of intellectual property and equity assets, including the first copyright pledge financing in Shenzhen [6]. - A unique "three-in-one" evaluation mechanism has been established to assess technology companies based on talent structure, R&D capabilities, and intellectual property value, rather than traditional financial metrics [6][7]. - A digital platform has been created to enhance efficiency and accurately match the needs of technology enterprises, resulting in the approval of over 240 cutting-edge technology companies since its launch [6][7]. Inclusive Finance - Shenzhen ICBC has achieved a historic milestone with its inclusive loan balance surpassing 200 billion yuan, with an annual growth rate of 43% [11]. - The bank has introduced three major products—"Operating Quick Loan," "Online Loan," and "Digital Supply Chain"—to meet the diverse financing needs of small and micro enterprises [8][10]. - The "Park e-loan" product converts soft power indicators into quantifiable assessment metrics, enhancing service quality through data interaction with park operators [10]. - The bank's support has enabled companies like Shenzhen Tengxin Bainai Technology to secure funding for raw material procurement and R&D investments, contributing to their growth as specialized "little giant" enterprises [10]. Fifteenth National Games Finance - The bank has launched a series of financial products related to the Fifteenth National Games, including themed debit and credit cards, integrating sports, finance, and culture [12][15]. - The digital RMB hard wallet allows for seamless payment experiences, enhancing convenience for both local residents and international visitors attending the games [14][15]. - The bank's initiatives aim to transform spectator enthusiasm into tangible benefits for residents, showcasing its commitment to community engagement and support for major events [15].

Core Insights - The government procurement policy is significantly supporting the development of small and micro enterprises (SMEs) in China, with a total procurement scale of 33,750.43 billion yuan in 2024, of which 24,230.91 billion yuan (71.79%) is awarded to SMEs [1] - The financial support through government procurement is enhancing the survival and development capabilities of SMEs, stabilizing market expectations, and expanding their growth space [1][2] - Various financial products, such as "government procurement loans," are being introduced to alleviate the financing difficulties faced by SMEs, further easing their cash flow pressures [2][3] Government Procurement Impact - In 2024, contracts awarded to small enterprises amounted to 15,310.35 billion yuan, representing 63.19% of the total contracts awarded to SMEs [1] - The government procurement policy is creating a stable market space for SMEs, helping them address order shortages and ensuring stable production and cash flow [2] - The government is actively promoting a "government-bank-enterprise" cooperation system to enhance financial support for SMEs [2] Financial Policy Support - The Ministry of Finance's report indicates that fiscal policies are effectively driving the high-quality development of SMEs, with over 1,200 "little giant" enterprises receiving subsidies [2][3] - A total of 22,000 technology innovation SMEs have received approximately 90 billion yuan in loans through the technology innovation special guarantee plan [3] - The fiscal measures are not only addressing immediate survival challenges for SMEs but also laying a foundation for their long-term development, positively impacting local economic growth [3]

Core Viewpoint - Qingdao Rural Commercial Bank demonstrates steady growth in its financial performance, with a focus on quality and risk management, supported by a dual-driven model of "policy + technology" [1][2] Financial Performance - In the first three quarters of 2025, Qingdao Rural Commercial Bank achieved an operating income of 8.028 billion yuan and a net profit attributable to shareholders of 3.318 billion yuan, reflecting a year-on-year increase of 114 million yuan, or 3.57% [1] - The total amount of loans and advances reached 268.122 billion yuan, an increase of 1.539 billion yuan, or 0.58% from the beginning of the year [1] - Total deposits increased to 335.179 billion yuan, up 8.506 billion yuan, or 2.60% from the beginning of the year [1] - The non-performing loan ratio decreased by 0.06 percentage points, indicating a reduction in both the non-performing loan ratio and balance [1] Policy Guidance - The bank aligns with national strategies to expand domestic demand, focusing on enhancing consumption as a core driver of economic growth [2] - Qingdao Rural Commercial Bank emphasizes its commitment to serving the real economy and supporting small and micro enterprises through innovative consumer finance and inclusive lending [2][3] Digital Transformation - The bank is undergoing a digital transformation, integrating technology and data to enhance service models and expand value boundaries [6] - It has implemented 16 innovative projects, including a risk control decision engine, and developed a comprehensive risk warning system with over 300 risk signals [7] - The bank's mobile banking users exceeded 2.87 million, and it has over 1,400 smart service windows in rural areas [7] Innovation in Financial Products - Qingdao Rural Commercial Bank has launched various innovative financial products, including "High-tech Loan 2.0" and "Foreign Trade Boost Loan," to support inclusive finance and expand its customer base [3][4] - The bank's international business transactions reached 55.24 billion USD, a year-on-year increase of 9.37% [4] Achievements in Technology and Data - The bank has received over 30 awards in the digital finance sector and holds multiple patents, showcasing its commitment to technological innovation [10] - It has improved data processing efficiency by 30% and integrated over 1,100 external data sources into its operations [9] Conclusion - Qingdao Rural Commercial Bank exemplifies how local financial institutions can leverage technology and data to enhance service delivery and support national economic strategies, positioning itself as a model for rural commercial banks across the country [11]

Core Insights - The article highlights the significant growth and transformation of Guangxi Rural Credit Institutions over the past 20 years, emphasizing their commitment to serving agriculture and small enterprises while adapting to technological advancements and market changes [2][12] Group 1: Financial Services Development - Guangxi Rural Credit Institutions have achieved a total asset value of 14,543 billion yuan by September 2025, which is 17 times that of 2005, with deposits and loans increasing by 22.8 times and 21.6 times respectively [2] - The institutions have established a comprehensive financial service network, including 2,242 operating outlets and 11,000 service points, ensuring 100% coverage of rural communities [5][4] - The credit institutions have issued 34.04 million financial social security cards, accounting for over 60% of the total issuance in Guangxi [5] Group 2: Community Engagement and Support - The presence of the Weizhou Credit Union is crucial for the 15,000 residents on Weizhou Island, providing essential financial services despite geographical challenges [3][1] - The "Ten Thousand Farmers' Credit Workers in Ten Thousand Villages" initiative has led to the deployment of 10,197 financial specialists across 18,000 rural communities, enhancing grassroots financial services [4] Group 3: Innovation and Technology - Guangxi Rural Credit Institutions are embracing digital transformation, with over 14 million mobile banking users, facilitating online loan processes and creating a unique agricultural data system [9] - The institutions have supported technological innovation, providing 1.1 billion yuan in comprehensive credit to companies like Nanning Maiyue Software, showcasing their role in fostering new industries [8][7] Group 4: Governance and Reform - The institutions have implemented a "1+N" risk disposal system to manage historical risks, resulting in a significant reduction in non-performing loans [10] - The establishment of Guangxi Rural Commercial Bank marks a significant step in reform, enhancing management relationships and governance capabilities [11][10] - Talent development initiatives have led to a 76% increase in employees with higher education, aiming to build a skilled workforce for future growth [11]

Core Insights - Qinghai Province has established a unified "enterprise financial theme database" through the "Qingxinrong" platform, creating a matrix of innovative financing products, including "Carbon to Gold Loan," "Government Procurement Loan," "Cordyceps Loan," and "Noodle Loan," with over 64,000 loans issued totaling more than 45.7 billion yuan [1][3] Group 1: Financing Products - The province has launched a series of specialized financing products aimed at enhancing financial support for enterprises [1][3] - As of now, the total amount of loans issued has exceeded 45.7 billion yuan, indicating strong demand for these financial products [1][3] Group 2: Business Environment Improvement - Qinghai has implemented a three-year action plan (2025-2027) to create a first-class business environment, focusing on high-quality development and support for the private economy [3] - The province is promoting a series of measures to leverage its green electricity advantages for outward-oriented industrial development [3] Group 3: Credit and Regulatory Mechanisms - A new regulatory mechanism based on credit has been established, integrating various credit evaluation results and information into credit reports for over 604,500 business entities [3] - The province has completed over 78,000 cases of credit restoration for entities listed as seriously untrustworthy [3] Group 4: Digital Government Initiatives - Qinghai is advancing its digital government initiatives, having issued over 13,000 electronic seals and facilitating over 3 million electronic seal applications annually [3] - The introduction of features like "My Licenses" and "Electronic License Display" aims to promote efficient, paperless approvals [3]