转自：新华财经 在风光旖旎的广西崇左市大新县明仕田园景区，一家新成立的文旅小微企业正面临着成长的烦恼。这家 企业扎根景区，主营高品质田园民宿投资运营，致力于为游客打造沉浸式度假体验。开业初期，该企业 资金主要用于基础建设、初步装修，民宿规模有限，接待能力不足，难以匹配景区日益火爆的人气。随 着"近郊游""周末游"持续升温，明仕田园成为热门打卡地，节假日游客激增。面对旺盛的市场需求，该 企业计划于2025年上半年扩建民宿、提升接待能力。此时企业遭遇了资金短缺的瓶颈，自有资金已无法 支撑其品质升级与规模扩张的迫切需求。 工行崇左分行在了解到企业的融资困境后，迅速行动，客户经理深入景区一线，实地考察企业的区位优 势、经营理念、建设进度与发展规划，精准把脉其"扩建急、融资难"的核心痛点，针对其轻资产、缺乏 足值抵押物、资金需求时效性强的特点，充分发挥普惠金融服务优势，为其量身定制了专属综合授信方 案，突破传统抵押限制，针对文旅小微企业轻资产特性，摒弃传统重抵押担保 ，重点考察企业区位优 势、经营潜力、发展前景等非财务指标，将企业区位价值、运营能力等无形资产转化为可量化授信依 据。在产品设计上，采用＂流动资金贷款+绿色 ...

Core Insights - The event "Focusing on Financial Empowerment to Promote the Development of Private Enterprises" was held by the Industrial and Commercial Bank of China (ICBC) Shanghai Branch, aiming to inject new momentum into the high-quality development of Shanghai's private economy through targeted financial services [1] - Individual businesses are recognized as the "capillaries" of the private economy, playing a crucial role in enhancing regional economic vitality [1] Customized Financial Products - ICBC Shanghai Branch launched the "2025 Exclusive Financial Service Plan for Individual Businesses," focusing on the entire lifecycle of individual business operations [3] - The service framework includes three main areas: "financing, wealth management, and value-added services," with specific initiatives in "product innovation, preferential interest rates, dedicated service guarantees, and embedded unique scenarios" [3] - The plan aims to create an integrated service loop for individual businesses encompassing "account opening, financing, settlement, and wealth management," achieving both operational security and wealth enhancement [3] Collaborative Mechanisms - A collaborative mechanism was established, including an "information sharing platform, policy implementation channels, and financial service teams" to provide efficient and convenient financial services [4] - The information sharing platform aims to create accurate credit profiles for individual businesses, addressing financing barriers caused by information asymmetry [4] - ICBC has formed 28 "Inclusive Youth Pioneer Teams" to provide dedicated customer managers directly in business areas, enhancing service efficiency and convenience for individual businesses [4] Integrity-Based Ecosystem - The "integrity-based ecosystem" initiative links the creditworthiness of individual businesses with financial services, encouraging merchants to prioritize credit building [5] - The "Financial Support to Stimulate Consumption Vitality Initiative" was launched, focusing on four directions: practicing integrity in business, enhancing credit data utilization, innovating credit consumption ecosystems, and optimizing convenient service scenarios [5] - This initiative aims to create a virtuous cycle where "integrity in business leads to financial support, financial support drives customer growth, and customer growth strengthens business confidence," thereby fostering a supportive environment for individual businesses and stimulating consumption in Shanghai [5] Future Directions - ICBC Shanghai Branch plans to continue integrating financial products with the operational scenarios of individual businesses, enhancing service capabilities, product innovation, and service efficiency [5] - The bank aims to contribute to the high-quality development of Shanghai's private economy and the creation of a world-class business environment [5]

"再贷款"机制精准发力，助推企业转型升级 民营企业作为市场经济中最具活力的主体，以其经营灵活、市场适应力强等优势，在促进就业、改善民 生、推动经济增长等方面发挥着不可替代的作用。在河南省，民营经济主体数量已突破千万户，占全部 经营主体的95%以上，成为区域经济发展的重要支撑。邮储银行河南省分行积极响应国家政策导向，聚 焦"两高四着力"，持续推进"三项机制"——科技创新和技术改造再贷款机制、支持小微企业融资协调工 作机制、民间投资项目投贷联动机制，全力为民营企业提供坚实金融支持，助力其实现高质量发展。 在焦作某动力股份有限公司的生产车间内，数控机床高速运转，机械臂灵活作业，经过多道精密工序， 一根根光洁锃亮的汽车发动机凸轮轴顺利下线。该公司专注于发动机凸轮轴及新能源电机轴的研发、生 产与销售，是多家国内知名车企的重要供应商，2023年先后获评高新技术企业、河南省专精特新企业及 省级"瞪羚"企业。 随着新能源汽车产业快速发展，企业积极拓展新能源汽车凸轮轴业务，并于2024年年底成功进入某知名 车企供应链体系。为满足新增订单需求，企业需投入800万元购置新设备、扩建生产线，加之年底员工 薪酬发放，资金压力显著增大。 ...

Group 1 - The core viewpoint of the article highlights the comprehensive policies and financial support aimed at enhancing the growth of technology-based enterprises in China, particularly through low-cost financing and tailored financial services [1][2][9] - As of March 2025, the loan balance for technology-based small and medium enterprises exceeded 3.3 trillion yuan, marking a year-on-year growth of 24%, with "specialized, refined, distinctive, and innovative" enterprises also seeing significant loan increases [2][4] - The China Construction Bank (CCB) has actively engaged in supporting technology enterprises by shifting the credit evaluation focus from traditional cash flow to technology and intellectual property, thereby facilitating financing for innovation [2][3][4] Group 2 - CCB's innovative financial services have enabled technology enterprises in Ningxia to convert their intellectual property and patents into credit, thus enhancing their production capabilities and financial stability [3][4] - The bank's support has been crucial for companies like Huake Optoelectronics, which transitioned from a small enterprise to a leader in the high-end laser sight market, demonstrating the importance of continuous financial backing throughout their growth stages [5][6] - CCB's collaboration with local governments and enterprises in Tianjin has led to the establishment of tailored financial products that meet the specific needs of businesses, fostering a supportive ecosystem for innovation [7][8] Group 3 - The article emphasizes the transformation of CCB's role from a traditional fund provider to a collaborative partner in the innovation journey, highlighting its commitment to deepening relationships with technology enterprises [9][10] - CCB's approach includes a full lifecycle financial service model that supports enterprises from their inception to becoming industry leaders, showcasing a commitment to long-term partnerships [5][6][9]

Core Viewpoint - The recent administrative penalties imposed on five banks in Beijing highlight the ongoing regulatory focus on compliance in credit operations, particularly regarding the "three checks" system in loan management [1][2][5]. Group 1: Regulatory Actions - Five banks, including major state-owned banks and joint-stock banks, were fined 350,000 yuan each for violations related to loan management, specifically the "three checks" system [1][2][4]. - The "three checks" system, which includes pre-loan investigation, in-process review, and post-loan inspection, is crucial for managing loan risks and ensuring asset quality [2][3]. Group 2: Systemic Risks and Challenges - Inadequate management of working capital loans can lead to misuse of funds and potential systemic financial risks if multiple banks face similar issues [3][4]. - The penalties reflect a broader industry challenge, indicating that loan management problems are not isolated incidents but rather a common issue across the banking sector [4]. Group 3: Regulatory Environment and Future Directions - The regulatory authority has emphasized the importance of compliance and risk management in credit operations, with a focus on enhancing internal controls within banks [5][6]. - Future regulatory measures are expected to diversify, incorporating tools like window guidance and stress testing to create a multi-layered regulatory framework [5]. Group 4: Cultural and Mechanism Reforms - The penalties serve as a catalyst for banks to rethink their internal assessment criteria, ensuring that compliance and asset quality are prioritized alongside growth metrics [6]. - The adoption of advanced technologies such as big data and artificial intelligence is necessary to improve the efficiency and effectiveness of the "three checks" system [6].

Summary of Key Points Core Viewpoint - The company has approved a guarantee for its subsidiary, Tianji Zhigu (Hubei) Information Technology Co., Ltd., amounting to a total of 150 million RMB, which is within the annual guarantee limit [3][6]. Group 1: Guarantee Overview - The company held a temporary shareholders' meeting on August 20, 2025, where it approved a guarantee for Tianji Zhigu, allowing for a total guarantee amount not exceeding 150 million RMB [3]. - On September 26, 2025, Tianji Zhigu signed a loan agreement with Huangshi Rural Commercial Bank for 10 million RMB in working capital, with the company providing a joint liability guarantee [3][4]. - The guarantee is within the approved limit and does not exceed the company's total guarantee amount of 130 million RMB, which represents 96.93% of the company's audited net assets for 2024 [6]. Group 2: Guarantee Agreement Details - The creditor is Huangshi Rural Commercial Bank, and the principal debtor is Tianji Zhigu, with the main debt amounting to 10 million RMB and a term of 12 months [4]. - The guarantee covers all debts under the main contract, including principal, interest, penalties, and other related costs [4][5]. - The guarantee period lasts for three years after the loan term ends, or three years from the notification of early repayment by the bank [5].

为积极响应赤峰市委"十大行动"重点部署，更好地服务地方经济，中信银行赤峰分行聚焦城市供热民生 领域，以精准金融服务为供热企业注入发展动能。 转自：新华财经 中信银行赤峰分行相关负责人表示，将持续践行社会责任，在更多民生领域深耕金融服务，以专业、高 效的金融解决方案，为赤峰城市高质量发展输送动能，共绘城市功能升级、民生福祉提升的美好画卷。 （李贺） 编辑：赵鼎 中信银行赤峰分行深度洞察城市供热领域发展需求，将金融资源精准投向供热基础设施升级与运营服务 升级。结合企业生产运营状况、资金结算方式、融资合作诉求等，量身定制综合服务方案，给予流动资 金贷款、固定资产贷款支持，同时主动降低利率，帮助企业减轻负担，有效解决企业面临的资金周转、 设施升级改造等诸多问题。截至9月24日，该行已累计为三家本地供热龙头企业发放贷款8500余万元， 以金融活水助力企业更新老旧供热设备、扩大供热覆盖规模、提升供热能效水平。 ...

近日，安徽鑫铂铝业股份有限公司公告称，为子公司安徽鑫铂新能源汽车零部件有限公司向上海浦东发 展银行股份有限公司滁州分行申请的3000万元流动资金贷款提供最高额连带责任保证，《最高额保证合 同》已完成签署。截至公告披露日，公司对鑫铂新能源担保余额达68,255.63万元，对所有子公司担保余 额为346,562.87万元。鑫铂新能源信用良好，截至2025年6月30日，总资产161,454.88万元，上半年净利 润472.27万元。公司董事会认为，此次担保利于子公司拓宽融资渠道，风险可控。公司及子公司无逾期 对外担保情况。 ...

《投资者网》崔悦晨 近期，港股上市的天津银行（01578.HK）发布了2025年中期业绩，这也是该行2025年3月完成新一届董事会换届后的首份中期业绩报告。截至报告期末，天 津银行资产总额达9656.75亿元，较上年末增长4.3%，实现营业收入88.3亿元，同比增长0.8%；净利润20.1亿元，同比增长1.6%。 在宏观经济复苏承压、银行业净息差普遍收窄的背景下，天津银行实现了营收与利润的双增长，整体不良率保持稳定。资产质量方面，不良贷款率为 1.70%，与上年末持平；拨备覆盖率达171.29%，较上年末提升2.08个百分点。受市场环境影响，净息差为1.47%，较上年同期下降0.13个百分点。 十年A股IPO"长跑"。 值得关注的是，此前的8月13日，天津银行更新了A股IPO的最新进展，显示上市辅导已进入第二十八期，辅导机构仍为中银证券与中信证券。从2015年8月 在天津证监局完成IPO辅导备案算起，这家银行的A股上市之路已整整走了十年。 资产规模向万亿元迈进 据半年报显示，截至2025年6月末，天津银行资产总额达9656.75亿元，同比增长4.3%，距离"万亿俱乐部"仅一步之遥。业绩方面，天津银行实现营业收 ...

Core Viewpoint - The article emphasizes the critical role of financial services in supporting the development of technology enterprises, highlighting the need for innovative financial solutions tailored to the unique challenges faced by these companies in their growth and international expansion [1][10]. Group 1: Financial Services for Technology Enterprises - Financial services are deemed a "necessity" for technology companies, as highlighted by the CEO of Qianlong Intelligent, who noted the importance of banking partnerships in overcoming challenges related to international business operations [2][3]. - The collaboration between Qianlong Intelligent and Shanghai Pudong Development Bank (SPDB) has facilitated effective management of overseas funds, enhancing the efficiency of capital utilization for the company's international expansion [3][4]. - SPDB has provided various financial products, including technology loans and services tailored to the company's evolving funding needs, demonstrating the bank's adaptability to the specific requirements of technology firms [3][4]. Group 2: Case Studies of Technology Companies - Estun Automation, a leading player in the industrial robotics sector, has benefited from a long-term partnership with SPDB, which has provided diverse financial products such as working capital loans and supply chain financing, enabling the company to expand its operations [5][6]. - The financial services landscape has improved for private manufacturing enterprises, with innovative products like technology loans and supply chain financing now available, which were previously difficult to obtain [6][7]. - Jiachen Xihai, a biotechnology company, received a comprehensive credit line of 60 million yuan from SPDB, which is crucial for maintaining a competitive edge in the rapidly evolving RNA drug and vaccine market [8][9]. Group 3: Importance of Financial Support in Innovation - Timely and stable financial support is essential for technology breakthroughs, as delays in funding can lead to significant competitive disadvantages in the innovation-driven pharmaceutical industry [8][9]. - The article illustrates that financial services play a pivotal role in the innovation journey of technology enterprises, enabling them to navigate critical development phases effectively [10].