卅年砥砺，风云激荡。从扎根一隅、服务地方的"金融毛细血管"，到与国同梦、与城共进的"经济重要支柱"，中国城市商业 银行用三十载时光，完成了一场波澜壮阔的跨越与重塑。在此背景下，金融界重磅推出"城商行三十年：跨越与重构"系列策 划，系统梳理城商行蜕变为区域金融支柱的历程，剖析行业挑战与未来航向。 本文聚焦长城华西银行。从德阳本土城信社合并组建，到引入战略投资者更名转型，再到如今四川银行领衔国资入主，这家 机构二十余年的发展轨迹，既是区域性商业银行扎根地方经济的成长样本，也是银行业股权改革与战略调整的生动缩影。深 耕成渝地区双城经济圈的长城华西银行，在股权更迭中筑牢根基，在区域竞争中拓展边界，正迎来全新的发展阶段。 股权迭代：从本土组建到国资引领 长城华西银行的前身可追溯至1998年10月，由原德阳市区6家城市信用社和2家城区农村信用合作联社整合组建，最初定名为 德阳市商业银行股份有限公司，是名副其实的"本土银行"。2010年，该行更名为德阳银行股份有限公司，迈出品牌升级第一 步。 2014年成为该行发展史上的重要转折点。这一年，该行引入战略投资者中国长城资产管理股份有限公司，定向增发4.18亿 股，股权结构首次 ...

Wind数据显示，截至12月14日，银行业今年以来已发行68只绿色金融债券，发行规模超5300亿元，较 去年全年增加3336亿元，较去年同期增超186%。 ● 本报记者 石诗语 近日，杭州银行发行规模50亿元绿色金融债券，其中品种一为3年期固定利率债券，发行规模40亿元， 票面利率1.78%；品种二为3年期浮动利率债券，发行规模10亿元。 今年以来，在政策精准引导与市场需求驱动下，银行业绿色金融债券发行驶入"快车道"，呈现规模翻 倍、主体多元、成本优化的显著特征。Wind数据显示，截至12月14日，银行业今年以来已发行68只绿 色金融债券，发行规模超5300亿元，较去年全年增加3336亿元，较去年同期增超186%。从发行主体 看，国有大行持续发挥"压舱石"作用，股份行积极跟进，区域性中小银行加速入场，形成多元主体共同 参与的发展格局。 中小银行加速入场 据统计，今年以来，区域性中小银行的绿色金融债券发行数量已由去年同期的22只增加至30只，发行显 著提速。 今年6月，南京银行发行全国首单符合《多边可持续金融共同分类目录》境内主题绿色金融债券，规模 100亿元，期限3年，票面利率1.69%。该笔创新性债券募集资 ...

该行积极构建全链条转型金融支持体系：率先探索地方转型金融标准，联合第三方为企业提供免费碳诊 断与路径规划；创新推出"常绿贷""智改数转贷""绿科融""环信融"等特色产品矩阵，将环境表现、智能 化改造、科技属性、环保信用与金融服务深度挂钩，精准满足多样化融资需求。 战略领航，筑牢绿色发展根基 该行从顶层设计着手，构建了系统的绿色金融支撑体系。早在2017年便成立绿色金融工作领导小组，并 在董事会设立专门委员会，审议重大战略。通过制定发展规划，明确目标路径，形成"顶层统筹、部门 协同"的治理闭环。 在机制保障上，设立绿色专营机构与工作专班，推动服务网络下沉至各网点。配套实施FTP定价优惠、 绿色信贷快速通道等专项政策，将绿色指标纳入绩效考核，有效激发经营活力。政策驱动成效显著，近 3年绿色贷款复合增长率达94%。截至2025年9月末，绿色贷款余额达358.79亿元，较年初劲增100.87亿 元。 同时，银行自身积极践行低碳运营，推行绿色采购与无纸化办公，数字柜员替代率达30%，发票电子化 率达90%，并打造了一批节能低碳示范网点。 创新破局，精准滴灌转型需求 面对传统产业转型中的融资痛点，江南农商银行以产品创新破 ...

Core Viewpoint - Jiangyin Rural Commercial Bank is focusing on building a comprehensive technology finance service system, promoting innovation and collaboration among government, business associations, and enterprises to create a supportive ecosystem for technological innovation [1] Group 1: Technology Finance Development - The bank has organized 14 events this year, including "Government-Bank-Enterprise Connection Meetings" and "Technology Innovation Roadshow Seasons," to support over 40 recognized high-tech enterprises [1] - Jiangyin's high-tech industry output value is projected to reach 291.92 billion yuan in 2024, accounting for 38.8% of the total industrial output, with a year-on-year growth of 9% [1] Group 2: Collaborative Innovation - The bank has established strategic cooperation with the Federation of Industry and Commerce and Jiangyin Campus of Nanjing University of Technology to align financial services with industry needs [2] - A comprehensive strategic partnership with Jiangyin High-tech Zone has been formed to enhance financing for private enterprises and support major projects [2] Group 3: Service Network Innovation - Jiangyin Rural Commercial Bank has set up a "High-tech Innovation Service Center" and a technology branch in Jiangyin High-tech Zone, creating a dual-track model for technology finance services [3] - The bank has implemented a new party-building model to cultivate a talent pool that understands technology, industry, and finance [3] Group 4: Comprehensive Service Innovation - The bank has introduced various loan products tailored for different stages of enterprise development, including "Technology Enterprise Loans" and "Talent Loans," focusing on technology potential and team strength rather than traditional financial metrics [4] - As of September, the bank has completed two "loan + equity" agreements to alleviate financial pressure on enterprises while maintaining control for core teams [4] Group 5: Process and Brand Innovation - The bank has streamlined processes to create a green channel for technology finance, reducing approval times by 60% compared to traditional methods [5] - The bank has launched a content matrix to promote technology enterprises' development stories, enhancing communication with capital and markets [5] Group 6: Overall Impact - By the end of September, the bank had provided financing services to 1,503 technology enterprises, with a total credit balance of 15.5 billion yuan [5] - The bank aims to continue refining its comprehensive service model to effectively support the transformation of technological achievements into productive forces [5]

Core Insights - Jiangyan Rural Commercial Bank focuses on supporting the green and low-carbon development of the Jiangyan District's economy by exploring new models of green finance and transformation finance [1][2] Group 1: Strategic Initiatives - The bank has developed a special implementation plan for transformation finance, targeting traditional manufacturing and textile industries for energy-saving and carbon-reduction technology upgrades [1] - Internal processes have been optimized to create a green channel for project approvals, enhancing financing efficiency for eligible transformation projects [1] - A risk tolerance and due diligence exemption mechanism has been established to encourage business expansion by financial institutions [1] Group 2: Targeted Financial Solutions - A "Key Support Enterprises Database" has been created to manage companies needing transformation finance, facilitating tailored financial solutions through one-on-one engagement [2] - Innovative financial products such as "Smart Transformation Loan," "Equipment Pledge," and "Intellectual Property Pledge Loan" have been introduced to meet diverse financing needs [2] - Jiangyan Rural Commercial Bank provided a loan of 9.9 million yuan to Jiangsu Taida Textile Technology Co., which enabled the company to receive a provincial and local financial subsidy of 94,000 yuan [2]

Core Viewpoint - Jiangsu Rural Commercial Bank has signed a strategic cooperation agreement with the Jiangsu Provincial Department of Industry and Information Technology to enhance collaboration across various sectors, aiming to improve the business environment and support advanced manufacturing enterprises in Jiangsu [1][3]. Group 1: Cooperation Mechanism - The agreement emphasizes the establishment of a continuous cooperation mechanism through joint initiatives such as party-building and strategic cooperation signing, fostering closer ties between various levels of institutions and departments [2]. - There will be a focus on supporting large-scale enterprises, particularly manufacturing champions and innovative small and medium-sized enterprises, by enhancing financial services tailored to the needs of the industrial chain [2]. Group 2: Product Innovation - The partnership aims to innovate the product system by launching credit products that better meet the needs of small and medium-sized enterprises, continuously optimizing the offerings based on industry dynamics [2]. - Jiangsu Rural Commercial Bank has already introduced several specialized credit products, such as the "Smart Transformation Loan," to strengthen financial support for relevant large-scale enterprises [2]. Group 3: Organizational Structure - Jiangsu Rural Commercial Bank was established on April 8 this year, maintaining the legal status of existing rural credit institutions and ensuring stability at the county level, which is seen as a cost-effective reform model [3]. - The bank has actively expanded its business scope since its inception, signing strategic cooperation agreements with major entities like China UnionPay and Huawei, showcasing its commitment to innovative financial services [3]. Group 4: Economic Impact - The collaboration with the Jiangsu Provincial Department of Industry and Information Technology is a significant step for Jiangsu Rural Commercial Bank in expanding its financial services, contributing to the province's industrial and information technology development [3]. - This initiative is expected to inject new vitality into Jiangsu's economic development and enhance the province's role as a leader in the national industrial and information technology sectors, promoting high-quality economic growth [3].