转自：新华财经 2024年底以来，浙商银行合肥分行认真贯彻落实人民银行关于加大对全国中小微企业资金流信用信息共 享平台（以下简称"资金流信息平台"）推广应用的要求，积极主动作为，加强部署落实，把资金流信息 平台作为精准服务中小微企业的有力抓手，通过"一把手"亲自部署、强化全员培训宣导、精准服务需求 客户，成为安徽省内第一批实现落地的银行金融机构，有力地支持了中小微企业融资难的问题。截至 2025年8月末，该行通过资金流信用信息共享平台服务中小微企业43户，累计投放金额8650.40万元。 资金流信息平台具有全国联网、主体驱动、实时在线、按需共享、广泛应用等综合优势，可以帮助信用 白户、信用薄户、无抵押无担保等中小微企业提升融资机会，降低企业融资成本；同步应用资金流信用 信息产品和征信系统企业信用报告进行多维度信用信息交叉验证后，可以帮助银行提升放贷效率，优化 资源配置。 合肥市某包装纸板有限公司是一家包装纸品加工及销售企业，具有轻资产运营、建造厂房尚未竣工验收 的特点，缺乏传统抵质押物，较难获得银行融资。浙商银行合肥分行在了解到企业的资金需求和融资困 境后，主动介入并引导客户使用浙商银行"数科贷"产品，用大数 ...

"鸡毛很轻，但只要有点儿风，它就能飞上天。"当年一部热播剧《鸡毛飞上天》，不仅让"善学习、勇 创新、守诚信、重担当"的浙商精神传遍大江南北，更以商战叙事为壳，装下了中国改革开放四十年的 商业密码，成为一部唤醒无数创业者的"时代教科书"，助推着"大众创业、万众创新"的浪潮奔涌向前。 浙江，这片浸润着敢想敢闯、敢拼敢干的热土，始终是中国商业活力的前沿阵地，350万家民营企业在 此扎根生长、蓬勃发展。而"鸡毛"能乘风翱翔，离不开"金融"这股劲风的托举。 日前，南方都市报社、湾财社携手中国人民大学中国普惠金融研究院，共同启动"中国普惠金融行"专题 系列报道，呈现鲜活生动的普惠金融服务案例、模式，探索数字时代普惠金融创新路径，栏目本期采访 浙商银行。 作为浙江省内规模最大的银行，面对曾长期困扰小微企业的"融资难、融资慢、融资贵"痛点，浙商银行 怀揣"娘家人"般的热忱，为百万个体工商户筑牢"金融靠山"，走出了一条"规模与质量并重、创新与风 控同行"的特色发展之路。 小微企业融资路上的"拦路虎" 浙江是民营经济大省，也是中小微企业大省。浙江省民营企业发展联合会日前发布的《2024年浙江省民 营企业发展简报》显示，截至202 ...

Core Viewpoint - The article emphasizes the importance of developing new productive forces and modern industrial systems in Guangdong, with a focus on integrating financial services into the manufacturing industry to support small and medium-sized enterprises [2][5]. Group 1: Financial Services Innovation - Zhejiang Commercial Bank's Guangzhou branch is innovating financial services by creating scenario-based financial models that integrate deeply into the core of the industrial chain, specifically targeting small and medium-sized enterprises [2][5]. - The bank has developed differentiated financing solutions for key industries in Guangdong, including energy, construction, automotive, telecommunications, and home appliances, to enhance the industrial ecosystem [5][6]. Group 2: Support for Technological Innovation - The bank offers specialized financial products such as "Specialized and Innovative Loans" and "Co-Investment Loans" to support technology enterprises at various stages of development, ensuring comprehensive financial services throughout their lifecycle [6][7]. - By May 2025, the bank had served over 1,800 technology finance enterprises and more than 700 specialized and innovative enterprises, providing substantial financial support for technological innovation in Guangdong [6]. Group 3: Financing for Industrial Parks - The bank has implemented a comprehensive financial service model for industrial parks, addressing the financial needs of enterprises within these parks, with over 257 small and micro parks served and a total loan amount exceeding 29.5 billion [7]. - The introduction of a digital service system has improved access to financing for small and micro enterprises, with nearly 190 million in digital loans disbursed in 2024 [7]. Group 4: Globalization Support - The bank is addressing challenges faced by Guangdong enterprises in their global expansion, such as difficulties in overseas account opening and payment efficiency, by providing innovative cross-border services [8]. - By the end of 2024, the bank's international settlement and foreign exchange transaction volumes exceeded 35.3 billion and 23.3 billion, respectively, supporting the international development of Guangdong enterprises [8].

Core Viewpoint - Zhejiang Merchants Bank Shanghai Branch is committed to supporting the private economy by implementing various financial support policies and enhancing financial services for private enterprises [1][7] Group 1: Support for Private Enterprises - The bank actively reduces financing costs for private enterprise clients by implementing differentiated pricing strategies, offering loan interest rate discounts, and expanding the coverage of fee reductions [1] - The bank promotes seamless loan renewals and expansions, adhering to the requirements of the national financial supervision authority to enhance the coverage of seamless loan renewals for small and micro enterprises [1] - The bank is focused on reducing the financial burden on private enterprises by waiving various fees and costs associated with banking services [1] Group 2: Integrated Financial Services - The bank accelerates the reform of integrated financial services centered on customer needs, utilizing a comprehensive service model that combines commercial banking, transaction banking, investment banking, and private banking [2] - The bank enhances collaboration between small and large enterprises by leveraging cross-departmental coordination and providing comprehensive financial services through joint marketing and project collaboration [2] - The bank supports private enterprise bond issuance, particularly through risk mitigation instruments, to improve market acceptance and reduce financing costs [2] Group 3: Financing Service Mechanisms - The bank aims to establish effective financing service mechanisms by enhancing cooperation with government-backed financing guarantee companies to provide better financial services for small and micro enterprises [3] - The bank conducts extensive outreach and research activities to address the urgent needs of private clients, ensuring a responsive organizational structure to meet market demands [3] Group 4: Digital Financial Ecosystem - The bank is developing a comprehensive digital financial service model that integrates digital reform with practical applications to create a collaborative digital ecosystem for supply chain financing [4] - The bank is focused on leveraging data value by utilizing digital financial platforms to provide services to underserved groups and enhance credit data applications [5] Group 5: Service System and Risk Control - The bank is simplifying approval processes to improve service efficiency, aiming to reduce unnecessary steps and shorten loan approval times for private enterprises [6] - The bank is enhancing resource allocation and incentive mechanisms to direct more credit resources towards private enterprises, particularly in manufacturing and green finance [6] - The bank is optimizing risk control strategies by focusing on the primary repayment sources and reducing reliance on collateral, while enhancing credit information sharing with government and industry associations [6]