对于江西省萍乡市潮实新能源科技有限公司（以下简称"潮实新能源"）来说，虽然年年都贷款，但今年 却有所不同。6月初，因设备升级改造急需1笔200万元无还本续贷，企业在江西银行萍乡分行申请贷款 填写"贷款明白纸"时，被告知是"科创育新融"信贷产品重点支持企业，不仅担保费率下降0.5%，贷款利 率也从4.1%下降为3.2%，共节约融资成本2.8万元。 这个消息让潮实新能源的负责人喜出望外，他说："一直以为'贷款明白纸'只是帮企业算清账，没想到 还能省下钱。"2024年9月，在中国人民银行江西省分行启动明示企业贷款综合融资成本试点之初，潮实 新能源就曾填写这张"贷款明白纸"，当时企业觉得只是了解一下融资流程的各项费用构成，令企业意想 不到的是，不到一年时间，这张"贷款明白纸"就实现了从帮助企业算清账到为企业节约融资成本的跨 越。"通过明示企业贷款综合融资成本试点，把各项费用掰开了揉碎了算清楚，推动贷款综合成本下降 就能够有的放矢。"中国人民银行江西省分行相关负责人表示。 2024年9月，中国人民银行正式启动明示企业贷款综合融资成本试点工作，江西省被列为全国首批五个 试点省份之一。在深入研究试点工作背景、试点内容和试点 ...

Core Viewpoint - Qingdao is leveraging digital empowerment to reconstruct its development framework, with a focus on technological innovation as a key driver for urban competitiveness, supported by the efforts of SPD Bank Qingdao Branch in enhancing the city's tech-finance ecosystem [1] Group 1: SPD Bank's Role in Technological Finance - SPD Bank Qingdao Branch has been recognized for its contributions to technological finance, with two of its branches, Hong Kong East Road Technology Branch and Chengyang Branch, being named as the only two branches of a joint-stock bank in the city on the 2024 list of technology finance specialty branches [1][2] - The Hong Kong East Road Technology Branch has provided quality financial services to nearly 500 technology enterprises, addressing critical financing challenges such as initial loans and credit loans [2][3] - Chengyang Branch has served over 600 technology enterprises, including 118 specialized and innovative enterprises, becoming a vital financial support for the growth of technology firms in the region [4] Group 2: Service Model and Product Innovation - SPD Bank Qingdao Branch has initiated a three-year plan to cultivate technology specialty branches, focusing on the entire lifecycle needs of technology enterprises and enhancing its professional service capabilities [2] - The bank has developed a "5+7+X" product matrix to cover the financial service needs of technology enterprises throughout their lifecycle, including products like "Puchuang Loan" for startups and "Putech M&A Loan" for leading enterprises [6][10] - The bank's proprietary "Technology Radar" system revolutionizes risk control by integrating various data points, allowing for a more comprehensive assessment of technology enterprises beyond traditional financial metrics [6][7] Group 3: Collaborative Ecosystem Development - SPD Bank Qingdao Branch is committed to building a collaborative ecosystem for technological innovation, integrating resources from government, industry, academia, and research institutions [8][9] - The bank has established a "Technology Salon" to facilitate discussions among industry leaders and experts, focusing on key technological breakthroughs and market needs [9] - The bank's innovative "commercial bank + investment bank + ecosystem" service model aims to provide comprehensive solutions for technology enterprises, resulting in several firsts in Qingdao's financial landscape [10]

Core Insights - The event titled "'Chain' Connecting Supply and Demand 'Benefiting' Enterprise Collaboration" was organized by the Yinchuan Municipal Industry and Information Technology Bureau to address financing challenges faced by industrial enterprises [1][3] - A total of 15 financial institutions and over 20 industrial enterprises participated, utilizing a model of "government platform, enterprise performance" to facilitate effective communication and collaboration [1][3] Group 1 - The event provided a platform for banks and enterprises to understand each other's needs, showcasing the enterprises' production operations, technological advantages, and unique products through "8-minute precise roadshows" [3] - Financial institutions, including Ningxia Bank and Minsheng Bank, presented specialized financial products and services, such as "Ningke Loan" and "Digital Transformation Loan," which received positive feedback from enterprises [3] - A tracking mechanism called "three ones" was established, including an enterprise demand list, a bank service plan, and a follow-up supervision system to ensure the outcomes of the financing matches [3][4] Group 2 - The Yinchuan Municipal Industry and Information Technology Bureau plans to enhance the regularized interaction mechanism between government, banks, and enterprises, aiming to create a comprehensive service system that combines financing and intelligence [4] - The initiative seeks to channel financial resources towards high-quality industrial projects, transforming policy benefits into new momentum for the high-quality development of industrial enterprises [4]

Group 1 - The core viewpoint of the articles emphasizes the strategic development of Jiujiang Bank focusing on "industry + policy + finance + technology" to enhance the operational quality of supply chains and promote digital financial development [1][2][3] Group 2 - Jiujiang Bank has established partnerships with leading industry platforms such as Zhejiang Merchants Zhongtuo and Huangxing Cold Chain to expand customer acquisition and logistics, contributing to the construction of an industrial ecosystem [1] - The bank's "Smart Logistics Loan" financial solution addresses the pain points of cold chain import enterprises by providing a comprehensive service that includes financing, logistics, and information systems [2] - As of March 2025, the total credit amount of the industrial financial comprehensive service platform reached 75.152 billion yuan [2] - Jiujiang Bank has actively participated in the construction of regional industrial brains and launched the first digital transformation financial solution in Jiangxi Province, "Digital Transformation Loan," to support manufacturing enterprises [3] - The bank successfully provided a special loan of 5.5723 million yuan to a local manufacturing company, significantly reducing its comprehensive costs by 70% [3] - The bank plans to continue promoting the synergy of "digital finance + industrial finance" to inject strong momentum into the digital transformation of industries [3]