在江西省"金融活水润民企春风行动"中，农业银行宜春分行创新构建"三专两快"服务体系（即专属 方案、专项通道、专业团队，快速响应、快速落地），全力服务民营经济高质量发展。 精准对接，搭建银企"连心桥"。农业银行宜春分行建立了"行长包片+专员驻点"的双轨机制，10支 金融服务队深入10个县市工业园区开展"扫园行动"，通过银企恳谈会、金融夜校等形式，将金融服务送 进企业车间，现场收集融资需求47项。同时，该行设立"民营企业诉求直通车"，建立"接诉即办-专项会 商-限时反馈"机制，首批对接的3项企业诉求已解决2项，剩余1项已进入绿色审批通道。 产品创新，破解融资"急难愁"。针对不同企业需求，该行推出多款特色产品，包括"流水e贷"，凭 企业经营流水核定额度，已为小微企业主提供合计3650万元的纯信用贷款；"科技e贷"，基于知识产权 质押，支持2家高新技术企业获得500万元资金；"抵押e贷"，灵活运用厂房、设备等抵押物，帮助企业 快速获得融资。 绿色通道，开启纾困"加速度"。面对辖内文旅企业困境，农行宜春分行启动"护企行动"，对23家民 宿、景区运营企业创新推广"惠农e贷-乡旅贷"，为5户乡旅客户投放贷款530万元。建立 ...

Core Viewpoint - The article highlights the innovative "流水e贷" (Flow Loan) product launched by Agricultural Bank of China in Hunan province, aimed at supporting small and micro enterprises by providing credit based on transaction data rather than traditional collateral [10][11]. Group 1: Product Overview - "流水e贷" is a credit loan product that leverages transaction data from the "Hunan Province Enterprise Income and Expenditure Flow Credit Platform," which integrates data from 2.66 million enterprises across various banks [10]. - The product allows for a maximum credit limit of up to 5 million yuan, with the approval process being fully automated and completed online [11]. Group 2: Impact on Businesses - The product has significantly benefited companies like Hunan Fufeng Fertilizer Co., which reported a 20% year-on-year increase in organic fertilizer revenue and a 30% increase in compound fertilizer revenue after obtaining the loan [10]. - As of the end of May, the Hunan branch of Agricultural Bank had issued credit to 24,000 clients, amounting to 14.7 billion yuan, and disbursed loans to over 7,460 clients, totaling 10.7 billion yuan [11]. Group 3: Market Reception - The introduction of "流水e贷" has been well-received, with the product being described as a key offering for supporting small and micro enterprises and enhancing the quality of service to the real economy [11].

Core Insights - Agricultural Bank of China Yichun Branch has developed an innovative "Three Special and Two Fast" service system to support the high-quality development of private enterprises in Jiangxi Province [1][2] - The bank has established a dual-track mechanism for precise connection between banks and enterprises, facilitating direct communication and addressing financing needs [1][2] Group 1: Service Innovations - The bank has implemented a "President Package + Specialist Station" mechanism, deploying 10 financial service teams to conduct "sweeping actions" in industrial parks, collecting 47 financing needs on-site [1] - A "Private Enterprise Demand Express" system has been set up, resolving 2 out of 3 initial enterprise requests, with the remaining request in a green approval channel [1] Group 2: Product Development - The bank has launched several tailored financial products, including "Flow e-loan" providing a total of 36.5 million yuan in pure credit loans to small and micro enterprises [1] - "Technology e-loan" supports high-tech enterprises with 500,000 yuan based on intellectual property pledges, while "Mortgage e-loan" allows flexible use of collateral to expedite financing [1] Group 3: Ecosystem Building - The bank has formed a "Private Economy Empowerment Alliance" with local government departments to provide value-added services such as policy interpretation and technical upgrades for key industries [2] - The "Golden Spike Lecture Hall" training program has been conducted, covering topics like exchange rate risk management and digital payment tools, reaching over 100 financial personnel [2] Group 4: Accelerated Support - The bank initiated a "Protect Enterprise Action" to assist 23 tourism-related enterprises, providing 5 clients with loans totaling 5.3 million yuan through the "Huinong e-loan - Rural Tourism Loan" [2] - A "Financial Special Commissioner" system has been established to streamline processes for business registration, tax registration, account opening, and financing applications, reducing the overall time by 60% [2] Group 5: Performance Outcomes - The bank's efforts have led to 12 of its client enterprises being recognized as provincial-level specialized and innovative enterprises, with 3 achieving a doubling of annual output value [2] - As of April 2025, the bank's loans to private enterprises increased by 800 million yuan compared to the previous year, demonstrating the effectiveness of its innovative service models and enhanced efficiency [2]