Core Viewpoint - The article discusses how banks, particularly Ningbo Bank, are evolving their service methodologies and tools to meet the increasingly diverse and non-standardized needs of various enterprises, including small and medium-sized enterprises and technology companies [1]. Group 1: Service Methodologies - Banks are enhancing their foundational lending capabilities by optimizing risk management and credit standards, which includes offering preferential policies to improve decision-making efficiency and expanding their product offerings to provide targeted credit support throughout the enterprise lifecycle [2]. - There is a growing recognition of the importance of equity financing, value-added services, and ecosystem development for customer acquisition and retention, leading banks to extend their services beyond traditional lending [2][3]. Group 2: Case Studies of Ningbo Bank - Ningbo Bank exemplifies this approach by providing comprehensive services to enterprises, including facilitating equity financing, assisting with compliance for overseas operations, and supporting equipment procurement [4]. - The bank has successfully helped establish and manage 324 industrial funds totaling 240 billion yuan, focusing on sectors like information technology, biomedicine, and high-end manufacturing, while also facilitating investments in 321 innovation projects [6]. Group 3: Globalization and Customized Services - Ningbo Bank has developed a financial management system that integrates various resources to enhance efficiency for enterprises, particularly targeting the challenges faced by small and medium-sized businesses in international markets [7]. - The bank's "Bobo Zhiliao" platform offers specialized services, such as carbon tax declaration assistance, which simplifies compliance for exporting companies [8]. Group 4: Equipment Update and Cost Reduction - Ningbo Bank has launched the "Equipment Home" platform to help enterprises manage equipment updates, aiming to reduce rigid costs associated with hardware investments [10]. - The platform has facilitated over 50 billion yuan in equipment transactions and has served more than 19,000 enterprises, demonstrating its effectiveness in integrating financial services into real business scenarios [12][13].

突破传统信贷逻辑 特色产品精准滴灌 面对科技型企业"轻资产、重智产"导致的银行传统信贷"识别难、评价难、操作难、管理难"等问题，宁波银行以实际行动探索出了一条"不看砖头看专 利、不看抵押看创新"的助企融资新路径。 科技创新是驱动发展的核心引擎，是塑造新质生产力的根本源泉。而从技术萌芽到产业开花，这一过程始终离不开金融"活水"的精准浇灌。 作为金融"五篇大文章"之首，发展科技金融不仅是金融机构需要履行的社会责任，更是顺应产业变革、拥抱创新浪潮的战略选择。宁波银行主动融入时代 大势，持续完善科技金融服务体系，依托组织架构升级与生态体系建设，为科技企业提供全生命周期的综合金融服务，助力培育新质生产力。 今年上半年，宁波银行正式设立一级部门科技金融部，联动投行、授信等多板块形成服务合力，并在重点区域设立科技金融专营团队，配套"商行+投 行""融资+经营""企业+人才"的全方位服务，赋能科技企业高质量发展。 近年来，宁波银行持续打造并完善科技金融特色产品矩阵，形成专利贷、科技贷等多项专属产品，打破以企业收入、利润等传统财务数据为授信门槛的传 统模式，转而将技术专利、研发能力、人才储备、市场潜力等企业"软实力"作为核心评 ...

【文/羽扇观金工作室】 南海之滨，深圳这座以创新驱动闻名的城市正在经历新一轮的产业升级与转型。在国家明确提出做好科 技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"的背景下，各金融机构纷纷探索差异 化发展路径。 宁波银行深圳分行作为区域性商业银行的深圳布局，近年来围绕"专业化、数字化、综合化、国际化"的 发展方向，逐步构建起一套特色化服务体系，在服务本地企业和居民方面形成了一定的实践经验。 从该行的业务布局来看，其将"帮客户赚钱、帮客户省钱、帮客户管钱、帮客户找钱、帮员工拥有美好 生活"作为服务理念，试图在传统银行服务的基础上，延伸金融服务的边界。 科技金融：聚焦企业出海需求，搭建数字化服务平台 科技企业的发展离不开金融支持，尤其是在开拓海外市场的过程中，企业往往面临信息不对称、获客渠 道有限等挑战。针对这一痛点，宁波银行开发了企业综合服务平台"波波知了"，其中的"海外拓客助 手"功能整合了200多个国家的贸易数据资源，提供"查商品""查企业"等工具，帮助进出口企业获取潜在 客户信息和行业动态。 在此基础上，该行还推出了"AI外贸拓客"工具。据介绍，这一工具基于外贸业务数据训练，能够自动采 集海外 ...

来源：看懂经济 最近看一圈银行的业绩，你会发现一个扎眼的趋势。不少城商行、农商行的净息差，又下来了。 金融监管总局的数据显示，2025年第三季度，全国城商行的净息差，只有1.37%。 | | 神里丝 | 1. 31% | 1.55% | 1. 37% | 3. 91% | 1.58% | 1. 35% | | --- | --- | --- | --- | --- | --- | --- | --- | | | 不良贷款余额 | 15047 | 5357 | 6148 | 253 | 8275 | 145 | | | 次级类贷款余额 | 4377 | 1641 | 3040 | 87 | 2716 | 33 | | | 可疑类贷款余额 | 3904 | 1513 | 1024 | 04 | 2414 | 22 | | | 柄失类贷款余额 | 6766 | 2203 | 2085 | 72 | 3145 | 90 | | n | 不良贷款率 | 1. 22% | 1.22% | 1. 84% | 1. 83% | 2. 82% | 1.06% | | 李 | 资产利润率 | 0.67% | 0. 69% | 0 ...

普惠金融一头系着社会大众对美好生活的向往，一头连着国民经济发展大局，是金融服务实体经济 的"毛细血管"，更是推动共同富裕的重要纽带。中央金融工作会议明确将普惠金融列为"五篇大文章"之 一，凸显了其赋能实体经济的重要作用。 多年来，宁波银行坚守"金融为民"初心，以"真心对客户好"的服务理念，打破传统信贷边界，构建起了 多层次、立体化的普惠金融综合服务体系。从为小微企业量身定制信贷产品破解融资困局，到以数字化 工具优化企业经营管理，再到用开放化平台链接产业生态资源，宁波银行完成了从"资金输血"到"综合 赋能"的跨越，正书写着普惠金融的新篇章。 以"小微贷"为例，该产品依托大数据，整合企业纳税、水电费缴纳、交易流水等多维信息进行精准画 像，构建科学信用评价体系，替代传统抵押物成为授信核心依据。据了解，"小微贷"最高可提供300万 元信用额度，实现了快速审批、快速放款，极大提高了企业的融资效率。数据显示，仅2025年上半 年，"小微贷"就为超过2万家小微企业提供超380亿元的信贷支持，有效满足了小微企业的流动资金需 求。 浙江余姚某茶厂正是"小微贷"受益者之一，其主营粗制茶加工，年销售额逾500万元。正值春茶收购黄 ...

其中，短期目标为，每年绿色贷款增幅不低于全行各项贷款增幅；长期目标为，到2028年末，全行绿色 贷款余额较2023年增长100%以上。 2025年上半年，宁波银行又制定《宁波银行2025年绿色贷款支持政策》，明确绿色贷款专属优惠，重点 加大对清洁能源、节能环保等领域的信贷倾斜；此外，还修订《宁波银行绿色金融管理办法》，健全环 境和社会风险管理体系，推动绿色信贷业务规范化发展。 同时，宁波银行升级改造绿色金融管理系统，实现全量业务适配绿色金融新标准、新要求，为服务质效 提升提供坚实技术支撑。 截至2025年6月末，宁波银行绿色贷款余额达688.14亿元，较年初新增182.70亿元，信贷资源向绿色领域 的集中投放成效显著；累计发放碳减排贷款15.9亿元，可带动碳减排量23.14万吨二氧化碳当量，为低碳 发展注入"金融活水"。 绿色金融是助力"双碳"目标实现、推动经济社会高质量发展的核心金融力量，更是商业银行践行社会责 任、实现自身可持续转型的关键路径。 在绿色转型成为时代共识的背景下，发展绿色金融既是响应国家战略的必然要求，也是金融资源向低碳 领域精准配置、赋能实体经济绿色升级的重要支撑。 基于"双碳"目标，宁波 ...

Group 1: Digital Transformation and Financial Services - Ningbo Bank leverages digital transformation to enhance financial services, enabling small businesses to apply for loans quickly and receive funds on the same day [2] - The bank has introduced a range of credit products tailored for small enterprises, addressing their unique financing challenges by reducing reliance on collateral [6][7] - A comprehensive financial service platform has been developed, integrating various functionalities to streamline processes for businesses [7] Group 2: Support for Technology and Innovation - Ningbo Bank has established industry funds to support technology-driven enterprises, facilitating their growth and development [3][4] - The bank's initiatives have led to the successful establishment of multiple industry funds, totaling 4.37 billion yuan, focusing on advanced sectors like robotics and high-end manufacturing [4][5] - A dedicated technology finance department is set to be established to provide lifecycle services for tech enterprises, enhancing support for innovation [5] Group 3: Green Finance Initiatives - The bank is actively promoting green finance by converting environmental benefits into financial value through data-driven solutions [8][9] - Services like "波波知了" have been introduced to help companies monitor energy consumption and improve efficiency, contributing to cost savings [8] - The bank has developed a green finance management system that incorporates ESG requirements into its credit management processes [9] Group 4: Commitment to Sustainable Development - Ningbo Bank is committed to investing 5% of its annual revenue into technology and digital product development, positioning itself as a leader among publicly listed banks [11] - The bank has implemented innovative financial solutions to assist businesses in optimizing their operations and reducing costs [11][12] - Ongoing efforts are focused on enhancing service delivery to meet the diverse needs of clients, thereby fostering sustainable economic growth [12]

Core Insights - Ningbo Bank Shaoxing Branch hosted a series of events titled "Face-to-Face with New Social Security Policies," attracting over a hundred representatives from manufacturing and private enterprises, focusing on strategic upgrades to the business environment for private enterprises under the "14th Five-Year Plan" [1] - The bank introduced a customized financial service solution called "Digital Human Resources 3.0," which integrates recruitment, attendance, performance, and payroll processes to address management pain points while enhancing risk prevention and efficiency [3] Group 1 - The events aimed to interpret policies and provide tailored financial services to support compliant and stable operations for enterprises [1] - A senior lawyer was invited to discuss four core scenarios related to social security contributions, wage payments, employment of older workers, and unilateral termination of labor contracts, offering practical solutions to mitigate risks [1] Group 2 - The "Digital Human Resources 3.0" system features online management of electronic contracts, significantly improving efficiency and reducing risks [3] - The "Bobo Zhiliao" platform focuses on cost reduction and efficiency enhancement for enterprises, offering 22+2 services, including labor contract revisions and employment subsidy applications [3] - The bank's initiatives are aligned with the national "14th Five-Year Plan," aiming to empower enterprise management and inject new momentum into regional economic development through technological finance [3]

Core Viewpoint - Ningbo Bank Shaoxing Branch is committed to providing targeted financial services to support small and micro enterprises, enhancing local economic vitality through various financial initiatives and policies [1][2][4]. Group 1: Financial Support for Small and Micro Enterprises - As of September 2025, Ningbo Bank Shaoxing Branch has issued a total of 10.594 billion yuan in inclusive loans to small and micro enterprises, with a year-to-date increase of 1.25 billion yuan, representing a growth rate of 15.3% [2]. - The bank has implemented a first-loan service to support youth entrepreneurship, visiting nearly 12,000 businesses in the third quarter of 2025 to provide tailored financial support [2]. - The bank has accelerated the implementation of the no-repayment renewal loan policy, with a balance of 4.168 billion yuan as of September 2025, reflecting a growth of 24.7% since the beginning of the year [3]. Group 2: Innovation and Collaboration - Ningbo Bank Shaoxing Branch has established a "finance + industry-university-research" service model to assist traditional enterprises in their transformation and upgrading, facilitating collaboration between businesses and educational institutions [4]. - The bank has introduced targeted activities to interpret policies and provide solutions for local enterprises, such as the "Social Security Face-to-Face" initiative, which addresses management challenges through policy interpretation and solution matching [4]. Group 3: Enhancing Consumer Engagement and Digital Solutions - To stimulate consumer market enthusiasm, the bank has organized special events like "Qiao Qiao Xiang Yue" and "Back to School Renewal" to enhance employee experiences and financial management efficiency [6]. - The bank has launched a "Digital Human Resources 3.0" solution to address common pain points in human resource management for traditional enterprises, focusing on efficiency and accuracy in processes such as attendance and payroll [6].

Core Insights - The forum held on August 29, 2025, in Shanghai aimed to connect finance and technology, focusing on how financial capital can empower the integrated circuit industry to overcome key technological bottlenecks and accelerate domestic production [1] - The "Bobo Zhi Liao" platform launched by Ningbo Bank in 2023 offers over 20 specialized services to meet the diverse needs of enterprises, aiming to deepen financial cooperation and achieve a win-win situation [3][4] Service Offerings - The platform includes a credit repair service that helps enterprises eliminate negative information affecting their bidding qualifications, credit approvals, and IPO processes, in compliance with national regulations [5] - An overseas customer acquisition assistant service utilizes publicly available import data from countries like the U.S. to provide valuable market insights and enhance profit margins by connecting enterprises with end customers [6][7] - AI quality inspection services are designed to improve production efficiency and product quality, leveraging expertise from leading manufacturing companies to guide enterprises in their digital transformation [7][8] - The "Bobo Direct Recruitment" service offers a free, streamlined recruitment process, significantly reducing hiring costs and improving efficiency by connecting enterprises with suitable candidates [9] - A labor subsidy service helps enterprises navigate complex government policies to access financial support for hiring from impoverished regions, thus reducing financial pressure [10] Business Model Innovation - The success of the "Bobo Zhi Liao" platform lies in its innovative business model, which extends beyond traditional financial services to encompass various aspects of enterprise operations, creating a comprehensive service ecosystem [11] - This model fosters trust through free services, ultimately leading to deeper financial cooperation and enhanced customer loyalty [11][12] Industry Implications - Ningbo Bank's practices provide valuable insights for the financial industry, highlighting the importance of differentiated services in a competitive landscape [12] - The integration of financial services with the needs of the integrated circuit industry can significantly enhance the competitiveness of enterprises facing rapid technological changes and funding challenges [12][13]