邮储银行基于无形资产的"科创贷"，解锁科技型企业的核心价值，贷款决策改由企业的未来成长潜力决 定，而非固定资产积累，这可激励持续创新，形成正向循环。并且，打破对土地、房产等传统硬抵押物 的路径依赖，为多数科技型企业提供更宽的债权融资渠道，从而可优化融资结构，并降低融资门槛。 近年来，为深度服务国家创新驱动发展战略，中国邮政储蓄银行在广东江门地区积极创新金融服务模 式，通过创新产品、快速放款、陪伴式服务，精准支持当地"专精特新"及高新技术企业发展。9月17 日，记者前往恩平市宏兴铝业有限公司、广东万佳泓不锈钢制品有限公司，江门市力丰电机有限公司进 行实地调研。 创新贷款，打破传统抵押物限制 科技型制造企业常常面临研发投入大、回款周期长，原材料采购和设备升级需要大量流动资金等共性挑 战。 恩平市宏兴铝业有限公司是江门地区铝型材制造的领军企业，正处于智能化、绿色化转型的关键期，资 金需求迫切。对此，邮储银行恩平市支行2025年为其发放3394万元"科创贷"，基于无形资产（专利、软 件著作权）进行授信，打破了传统抵押物限制。 如今的台山，不锈钢产业园内生机盎然，万佳泓的生产车间里机器轰鸣，工人们正全力赶制一批发往中 ...

Core Viewpoint - Inclusive finance is positioned as a fundamental aspect of financial development and a crucial support for balanced economic and social growth, with Shandong Shanghe Rural Commercial Bank focusing on this strategy to benefit small and micro enterprises, farmers, and low-income groups [1] Group 1: Innovative Marketing - Shandong Shanghe Rural Commercial Bank has shifted from traditional "sit and wait" financial services to a proactive approach, establishing a comprehensive marketing service network that integrates online and offline channels [1] - The bank provides 24/7 financial services through digital platforms, allowing customers to apply for loans and conduct transactions without leaving their homes [1] - The bank's service teams actively engage with rural markets, industrial parks, and small businesses to offer on-site services and credit consultations [2] Group 2: Mechanism Improvement - The bank has integrated inclusive finance into its overall development strategy, launching the "Rural Commercial Inclusive E-Loan" product to ensure continuous growth in inclusive credit [3] - It has simplified the credit approval process and established a "green channel" for inclusive finance to enhance efficiency and reduce loan disbursement times [3] - A risk prevention mechanism has been established to improve risk identification and management, collaborating with provincial and municipal agricultural guarantees to mitigate credit risks [3] Group 3: Product Innovation - The bank has introduced various financial products tailored to different customer needs, such as "Working Capital Loans" and "Inclusive Credit Loans" for tax-paying enterprises lacking traditional collateral [4] - For technology-driven small and micro enterprises, products like "Intellectual Property Pledge Loans" and "Talent Loans" have been developed to support their research and development needs [4] - The bank also offers "Spring Cultivation Loans" and "Grain Collection Loans" for farmers, providing unsecured credit to support agricultural activities [4] - Products like "Stock Loans" and "Jidang Entrepreneurship Loans" cater to the operational needs of individual businesses [4]

Core Insights - The article highlights the financial support mechanisms established by the People's Bank of China in Xi'an City to enhance the dairy industry in Jingyang County, Shaanxi Province, which is a significant base for goat milk production in China [1] Group 1: Financial Support Mechanisms - The "Main Bank+" mechanism promotes deep integration between the industrial chain and financial resources, with the Jingyang County Rural Credit Cooperative designated as the main bank for the dairy industry [2] - The establishment of a "Main Bank + Policy Connection" mechanism aims to facilitate the application of preferential policies for dairy industry projects, including providing credit loans to poverty alleviation households [2] - The "Re-loan+" mechanism integrates central bank funds with credit products, offering specialized loans to key enterprises like Yatai Dairy, with a total credit of 45 million yuan and 18 million yuan in re-loans for 2024 [3][4] Group 2: Loan Products and Financial Services - The introduction of the "Jingyang Loan" product provides flexible loan options for farmers and small enterprises, with maximum loan amounts of 300,000 yuan for individuals and 5 million yuan for small businesses [4] - The "Interest Rate+" mechanism encourages financial institutions to implement differentiated pricing strategies, with a 20 basis point reduction from the Loan Prime Rate (LPR) for dairy-related enterprises [5] - The "Financial Counselor+" mechanism enhances policy guidance and business services, establishing a financing connection ledger for enterprises and individuals, and optimizing loan application processes [6]

Core Insights - The establishment of the 10MW photovoltaic poverty alleviation power station by Jiashuo Agricultural Development Co., Ltd. has significantly improved the local economy and created job opportunities for villagers [1][2] - The power station generates over 12.5 million kWh annually, yielding an annual profit of 9 million yuan, benefiting 333 impoverished households in the county [2] - The company faced initial funding challenges during the construction phase, which were alleviated by a timely loan from the Longhua Rural Credit Cooperative [2] Company Developments - Jiashuo Agricultural Development Co., Ltd. invested over 75 million yuan to develop the photovoltaic power station, alongside previous investments in greenhouses and fruit picking gardens [1][2] - The company plans to invest an additional 15 million yuan in 2024 to expand and upgrade its clean energy operations [2] - The Longhua Rural Credit Cooperative has been instrumental in providing financial support, increasing the credit limit to 12.7 million yuan to assist the company's growth [2] Industry Impact - The "One Pool, Two New, Ten Thousand Enterprises" initiative by Longhua Rural Credit Cooperative has successfully engaged with 8,098 enterprises, disbursing loans totaling 499 million yuan [3] - The cooperative offers various tailored financial products to meet the diverse needs of businesses, enhancing the efficiency of loan disbursement [2][3]

Group 1 - Shandong Maibaohe Fitness Equipment Co., Ltd. is a modern fitness equipment company that integrates design, research and development, production, operation, and sales services [1] - The company is facing challenges such as low production capacity, high production costs, and significant investment requirements, prompting plans to upgrade production lines and enter the e-commerce sector [1] - The company successfully secured a loan of 29.95 million yuan from Ningjin Rural Commercial Bank, which was crucial for its transformation and expansion into e-commerce [1] Group 2 - Ningjin Rural Commercial Bank has implemented targeted measures to support e-commerce businesses, including optimizing loan processes and providing tailored financing solutions [2] - As of the end of March, the bank issued loans to 322 e-commerce enterprises totaling 11.5 million yuan, and provided credit support of 323 million yuan to 872 e-commerce clients [2] - The bank's initiatives aim to empower the development of the e-commerce industry through financial support and collaboration with businesses [2]