"我们第一次拿到票以后，基本上当天贴现款就下来了，后面第二次贴的时候，半个小时就到账了，富 民服务效率真是太高了。"重庆一家医疗器械有限公司负责人说起富民银行的"极速贴"产品就赞不绝 口。这家企业为超过50家口腔诊所和数十家口腔医院供货，但医院侧结算周期长、回款慢，客户前期设 备、土地、人工等投资大，具有快速回款的需求。重庆富民银行得知这家企业的需求后，主动为该医院 提供商票保贴额度，在不改变医院账期和现金流管理前提下，营销医院通过商业承兑汇票付款，经销商 收到票据后定向到富民银行办理贴现。富民银行深耕医疗产业，差异化地匹配供应商金融方案，助力医 疗产业升级和供应链健康发展。 富民"极速贴"是商业票据及银行票据直接贴现服务，远程化、纯线上嵌入采购、账务、融资等场景。通 过大数据、OCR智能识别、分布式文件系统等技术优化业务流程和KNN邻近节点算法解决小微企业融 资需求，它的"极速"体现在支持客户在线随时申请贴现，跨行提现；无人化核对及审批，即时签约，大 数据智能风控评估耗时仅30秒。2024年初至今年6月末，该产品累计发生额居民营银行前三。 作为重庆本土唯一一家民营银行，重庆富民银行围绕国家战略部署，紧扣重庆 ...

Core Viewpoint - Chongqing Fumin Bank emphasizes the integration of party leadership in corporate governance, aiming for stable development through digital technology and innovative financial services [1][2][4]. Group 1: Party Leadership and Governance - The bank has established a "Fengfu Six Styles" party work system to guide its development strategy, management, and cultural construction [1]. - It promotes a three-tiered learning system within the party to enhance understanding of national economic and financial policies, ensuring alignment with development goals [2]. Group 2: Innovation in Products and Services - The bank has strengthened its party organization within business units to enhance operational effectiveness and promote innovation in financial services [3]. - It has launched products like "Fuyi Loan" to address financing challenges for technology and green enterprises, with a technology loan balance exceeding 1.5 billion yuan, reflecting an increase of nearly 800 million yuan [4]. Group 3: Support for Small and Micro Enterprises - The bank has increased its inclusive finance efforts, with a balance of loans for small and micro enterprises reaching 9.2 billion yuan, serving nearly 80,000 clients [5]. - It has also improved its financial services for the elderly, with savings deposits from clients aged 60 and above exceeding 3.4 billion yuan [5]. Group 4: Digital Transformation and Efficiency - The bank is advancing its digital transformation, integrating financial products with digital supply chains, and has seen a 30% improvement in operational efficiency through RPA technology [5]. - Its "Daohuo Loan" product has been recognized as a leading example of digital financial services at the China International Financial Expo [5]. Group 5: Future Directions - As the "14th Five-Year Plan" concludes, the bank aims to continue aligning with national policies and enhancing its role in supporting new productive forces [6][7].