在兴业银行"1+4+N"科技金融产品体系框架下，"新质贷""研发贷""科信贷"等特色产品在厦门市场精准 发力，有力支持新能源、生物医药等战略性新兴产业发展。同时，该行勇当创新"排头兵"，成功落地了 厦门市首笔技改基金贷款、首笔碳效益挂钩贷款、福建省首笔科技创新再贷款及首笔科技企业并购贷款 等多项具有里程碑意义的"首单"业务。 此外，该行还主动联合政府部门以及高校、科研院所和资本力量，从"产业+政策""园区+科技""财政+金 融"等角度推动新质生产力发展。截至今年6月末，该行与市科技局合作的"科技信用贷"累计投放超20亿 元，居本地前列；与市财政局合作的增信基金贷款投放达100亿元；与市工信局合作的技术创新基金贷 款投放超70亿元，并与嘉庚创新实验室合作促进产学研转化。（季风） 编辑：穆皓 转自：新华财经 兴业银行厦门分行聚焦科技金融大文章，持续完善股债结合的科技金融全生命周期服务体系，成为厦门 科技型企业成长路上的好伙伴。截至今年6月，该行科技金融贷款余额突破200亿元，服务科技型企业近 2000家，其中，专精特新企业覆盖率超过50%。 作为兴业银行科技金融重点分行，兴业银行厦门分行持续深化科技金融体系建设， ...

Group 1 - The core viewpoint of the news is the successful implementation of the first "Longjiang Green Carbon Pledge Loan" project in Heilongjiang Province, facilitated by Harbin Bank and various government departments, aimed at promoting green finance and carbon asset utilization [1][2] - Harbin Bank has launched multiple green financial products, including "New Quality Loan," "Sustainable Development Linked Loan," and "Carbon Emission Rights Pledge Loan," reflecting its commitment to green development [2] - The bank's green loan balance reached nearly 18 billion yuan by June 2025, with an increase of over 6 billion yuan since the beginning of the year, ranking first among 21 banking institutions in the province for new issuance [2] Group 2 - Harbin Bank plans to leverage the "Longjiang Green Carbon" project to deepen cooperation with government and enterprises in various sectors, including carbon finance, forest economy, and ecological tourism, aiming to create economic and social benefits [3] - The bank's initiatives are expected to enhance the ecological product value realization pathways in Heilongjiang Province, contributing to the region's green economic development [3]

Core Insights - Harbin Bank successfully launched the first "Longjiang Green Carbon Pledge Loan" project in Heilongjiang Province, providing a credit of 10 million yuan to Mudanjiang Xiangshui Agricultural Co., Ltd. This initiative aims to facilitate the conversion of ecological resource value in the province [1] Group 1: Project Implementation - The project was guided by the People's Bank of China Heilongjiang Branch and other government departments, showcasing a collaborative effort across multiple departments within Harbin Bank [1] - The loan was secured against carbon sink assets, with the bank designing a comprehensive financial service plan based on the enterprise's industry, operational characteristics, and credit status [1] Group 2: Green Finance Strategy - Harbin Bank has been actively implementing a green development strategy, launching various financial products such as "New Quality Loans" and "Carbon Emission Rights Pledge Loans" [2] - The bank's green loan balance reached nearly 18 billion yuan by June 2025, with an increase of over 6 billion yuan since the beginning of the year, ranking first among 21 banks in the province for new issuance [2] Group 3: Future Plans - The bank plans to leverage the "Longjiang Green Carbon" project to deepen cooperation with government and enterprises in areas such as carbon finance, forest economy, and ecological tourism, aiming to create diverse economic and social benefits [6]

在实践中，小微企业融资难，主要难在缺信用、缺信息，导致金融机构不敢贷、不愿贷。为让小微企业 融资更加精准，多地积极搭建银企对接桥梁，减少银企之间的信息堵点。在四川成都市，新都区政务服 务管理和行政审批局积极搭建银企对接桥梁，推动政策性金融产品"新质贷"惠及更多小微企业。成都市 穆尔西仪表科技有限公司董事长陈克荣表示，银行综合评估企业的经营流水等信息数据后，为企业授信 811万元"新质贷"贷款，企业将这笔贷款用于技术创新，力争今年产值突破5000万元。 近日，多地金融监管部门发布通知，围绕助企帮扶打出了一套政策"组合拳"，进一步疏通小微企业融资 的堵点和卡点，持续支持小微企业融资协调工作机制落地见效。去年以来，湖北金融监管局联合多部门 积极行动，统筹解决小微企业"融资难"和银行"放贷难"的问题。浙江金融监管局组织金融机构加大走访 对接力度，推动机制落地见效，截至今年3月末，已组织走访企业318万家，63万家企业获得授信支持， 累计放贷1.7万亿元。 更多小微企业获得贷款支持。国家金融监督管理总局普惠金融司司长蒋平表示，截至2025年2月末，全 国普惠型小微企业贷款余额33.9万亿元，同比增速12.6%，较各项贷 ...