转自：新华财经 小微企业作为国民经济的"毛细血管"，是激发市场活力、稳定就业民生的关键力量。近年来，浙商银行 合肥分行始终锚定"金融为民"初心，将服务小微企业发展作为践行社会责任的核心抓手，通过"深调 研、创产品、提效率"的立体化服务模式，破解小微企业融资痛点，注入发展活水，以实际行动书写普 惠金融的责任答卷。 深入一线"摸实情"，把准服务"脉搏" 摒弃"坐等客来"的传统模式，浙商银行合肥分行充分发挥小企业团队专业优势，主动下沉服务重心，走 进小微企业生产车间、深入产业园区集群、对接周边商户门店，"面对面"沟通摸清企业经营实况。同时 将金融知识宣传融入服务场景，通过真实风险案例宣讲、现场互动答疑等方式，围绕信贷诈骗、账户安 全等小微企业高频风险点开展科普，帮助企业筑牢风险防范"防火墙"，从源头守护经营安全。 创新产品"破难题"，精准匹配"需求" 针对科技型小微企业"轻资产、重技术"的融资困境，浙商银行合肥分行突破传统抵押物限制，以数字化 转型为引擎，创新为企业量身定制融资方案。安徽皓能新能源科技有限公司作为专注新兴能源技术研发 的小微企业，该公司中标项目后需垫付光伏板采购、厂房安装等大额前期资金，而业主方以月 ...

Core Insights - Zheshang Bank's Qingdao Branch aims to become a "first-class commercial bank" by supporting the high-quality development of the regional real economy, with total deposits of 26.3 billion and loans of 20.7 billion by the end of 2024 [1] Group 1: Financial Products and Services - The bank focuses on innovation with products like "Asset Pool," "Cross-border Pool," and "Electricity Bill White Bar," designed to empower startups [1] - The "Spark Plan" is a comprehensive financial service initiative that offers all-cycle, all-dimensional, and all-chain support for innovation-driven enterprises [1] - New financial products such as "Digital Science Loan," "Innovation Loan," and "Specialized and New Loan" are tailored to meet the financing needs of businesses at different growth stages, with the "Digital Science Loan" offering up to 3 million for eligible small and micro enterprises [1] Group 2: Service Model and Team Structure - The bank has developed a "1+1+N" professional service model, consisting of product managers, client managers, and risk review specialists, to provide personalized financial services [1] - A dedicated inclusive finance team has been established to ensure seamless integration from client engagement to business implementation, providing continuous and stable financial support [1] Group 3: Digital Transformation and Innovation - The bank has launched the "Electricity Bill White Bar" service to meet the high-frequency payment needs of innovation enterprises, allowing for instant credit approval through the "State Grid APP" [2] - A digital service ecosystem is being built by integrating financial technology, focusing on key industries such as smart home appliances and high-end chemicals [2] - The bank has achieved 100% online processing for international business, enabling companies to complete global financial transactions without leaving their premises [2]

Core Insights - The financial advisory team organized by the Zhejiang Chamber of Commerce's Financial Services Committee aims to introduce the financial advisory system and the "Good Financial" concept to Guizhou, enhancing local economic vitality [1][2] Group 1: Financial Advisory System - The financial advisory system, initiated in Zhejiang in 2018, has over 5,000 members and more than 300 studios nationwide, serving as a model for cross-regional empowerment [2] - The team focuses on the chemical industry cluster in Guizhou, particularly around the Guizhou Phosphate Group, conducting in-depth research on various sectors [2][3] - Financial advisors have facilitated over 2 billion yuan in credit support for leading phosphate enterprises and provided 80 million yuan in pure credit loans to over 30 companies [2] Group 2: County-Level Financial Ecosystem - The "3386 model" for county-level financial ecosystem construction has been developed and promoted in over 120 counties, aiming to enhance financial services in underdeveloped areas [3][5] - The first county-level financial ecosystem advisory studio in Guizhou was established in July, addressing local small and micro enterprises' liquidity issues through innovative financial products [3][4] - Agreements were signed between four districts in Guizhou and the Zheshang Bank's Guiyang branch to deepen the implementation of the county-level financial ecosystem [5] Group 3: Good Financial Concept - The core of both the financial advisory system and the county-level financial ecosystem is the practice of the "Good Financial" concept, which emphasizes returning finance to its roots and fulfilling societal responsibilities [6] - The financial advisory team has been active in various regions, sharing not only financial resources but also innovative ideas and collaborative capabilities [6] - The collaboration between Zhejiang and Guizhou is evolving from traditional funding support to deeper institutional empowerment and ecological co-construction [6]

Core Insights - Zhejiang Merchants Bank Hefei Branch has actively implemented the People's Bank of China's requirements to promote the national small and micro enterprise fund flow credit information sharing platform, becoming one of the first banks in Anhui Province to support small and micro enterprises in addressing financing difficulties [1][2] Group 1: Implementation and Impact - As of August 2025, the bank has served 43 small and micro enterprises through the fund flow credit information sharing platform, with a total loan amount of 86.504 million yuan [1] - The fund flow information platform offers advantages such as nationwide networking, subject-driven, real-time online access, on-demand sharing, and broad application, which helps small and micro enterprises improve financing opportunities and reduce costs [1] Group 2: Case Study - A packaging board company faced challenges in obtaining bank financing due to a lack of traditional collateral. The bank intervened by guiding the client to use the "Digital Science Loan" product and leveraging big data models for risk control [2] - The bank conducted a comprehensive assessment of the company's operations, confirming its stability and sufficient orders, which led to the approval of a 2 million yuan credit loan within five working days, significantly alleviating the client's urgent financial needs [2] Group 3: Future Plans - The bank plans to strengthen organizational leadership, enhance system application, improve process supervision, and conduct promotional training to further promote the fund flow information platform and implement the "Credit Enhancement Flow Loan" project [3]

Core Viewpoint - The article highlights the significant role of inclusive finance in supporting small and micro enterprises in Zhejiang, emphasizing the innovative financial solutions provided by Zheshang Bank to address the financing challenges faced by these businesses [2][3][11]. Summary by Sections Overview of Zhejiang's Economic Landscape - Zhejiang is a major province for private and small micro enterprises, with 3.5053 million registered private enterprises, accounting for 92.06% of the total, reflecting a 5.41% increase from the previous year [3]. Financing Challenges for Small Micro Enterprises - Different sectors face unique financing difficulties, particularly in agriculture where assets cannot be mortgaged, leading to a "no collateral" situation for many businesses [3]. - In manufacturing, small micro enterprises struggle with financing due to their small scale, weak risk resistance, and irregular financial information, resulting in a common issue of "difficult, slow, and expensive" financing [3]. Zheshang Bank's Innovative Financial Solutions - Zheshang Bank has developed a dual focus on scale and quality, as well as innovation and risk control, to create a robust financial support system for small micro enterprises [2]. - The bank has introduced tailored financial solutions such as "equipment loans" and "credit loans" to meet the specific needs of various industries [5][6]. Digital Transformation in Inclusive Finance - The application of financial technology is reshaping the service model of inclusive finance, with Zheshang Bank utilizing data analysis for proactive service delivery [7][8]. - The bank has implemented a 360-degree customer view report to accurately assess business conditions and has achieved 100% precise outreach to 16,000 quality clients [7]. Achievements in Inclusive Finance - As of June 2025, Zheshang Bank's inclusive loans for small micro enterprises reached CNY 355.37 billion, accounting for 20.58% of total loans, maintaining the top position among national banks [11]. - The bank's "thousand enterprises and ten thousand households" initiative has successfully provided credit to 38,910 small micro enterprises, with a total credit of CNY 127.7 billion [11]. Future Development Strategies - The bank aims to shift from scale expansion to quality prioritization, focusing on customer-centric comprehensive collaborative reforms and enhancing digital capabilities [12][13]. - Plans include leveraging artificial intelligence and other digital technologies to improve service efficiency and extend the reach of inclusive financial services [13].

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]