上证报中国证券网讯（记者 常佩琦）记者31日自中国工商银行获悉，日前该行紧急调配金融应急保障 车驰援北京市密云区大城子镇灾民安置点，现场为受灾群众办理应急金融业务，确保灾情期间金融服务 不间断。这也是首辆驻点为受灾群众提供银行服务的应急车辆。 "我们的应急保障车能够现场为灾民办理应急大额ATM存取款、电子银行等业务，保证金融业务就地 办、马上办。"工行北京分行相关工作负责人表示。另外，工行北京分行还设置了应急金融服务点，在 服务点配备了能够满足各种业务需求的外派终端，金融紧急救援服务车与应急金融服务点相互配合，形 成了"车动人随、点面结合"的服务网络，确保有需求的受灾群众"能找到、快办理"，让金融服务始 终"在线"。 此外，工行北京分行还为抗汛人员和紧急业务客户开设了"绿色通道"，建立了专业应急机制，精准摸排 企业受灾情况，针对受灾较为严重的乡镇民宿、养殖业客户，主动提供延长还款期限、无还本续贷服 务、加大信贷投放力度等多元化措施，有效缓解企业资金周转压力。 来源：上海证券报·中国证券网 ...

Group 1: Core Insights - The private economy is a crucial "engine" for high-quality development and is a significant asset for Zhejiang [1] - Hangzhou Bank focuses on policy guidance and regional characteristics to innovate financial products and optimize service models for small and micro enterprises [1] Group 2: Financing Solutions - Hangzhou Bank's "Yun E Xin" service provides low-cost financing solutions for suppliers of core enterprises, utilizing reverse non-recourse factoring, allowing suppliers to obtain financing without additional collateral [2] - The service has been successfully implemented in multiple branches and aims to expand its coverage to support the efficient financing of upstream and downstream enterprises [2] Group 3: Intellectual Property Financing - Hangzhou Bank has developed financing solutions based on intellectual property pledges to address the common issue of lack of effective collateral for small and micro enterprises [3] - A specific case involved a company receiving a loan of 3 million yuan backed by its patents, enabling it to increase R&D investment and expand into international markets [3] Group 4: Loan Renewal Services - Hangzhou Bank has optimized its non-repayment loan renewal service to assist small and micro enterprises facing difficulties due to declining collateral values [4] - The bank has implemented flexible policies to ensure the stability of the funding chain for enterprises, leading to a steady increase in the number of loan renewals [4]