通讯员 郭晓慧 菏泽报道 菏泽某新材料科技有限公司总部位于北京,在菏泽设有业务板块,因业务拓展急需流动资金。传统贷款产 品存在异地融资审批慢、流程繁琐等问题,难以满足该企业需求。该分行客户经理获悉企业需求后,第一 时间主动对接,该分行高层领导实地走访了企业在菏泽域内的工厂。考虑到需现场核实总部资质与推进 决策,该分行按照"特事特办、高效落地"原则,成立了客户经理服务小组。客户经理当日往返北京与菏泽 近800公里,现场完成材料核验、需求确认、方案优化等关键环节,并实时同步信息至分行后台。该分行后 台开启绿色通道,各部门高效联动,1000万元贷款在3个工作日内放款到账。 高效服务与创新产品的结合,不仅缓解了企业的资金压力,还赢得了企业的信任。目前,该企业已将主要结 算业务及员工代发业务全部迁移至浦发银行菏泽分行,双方合作从单一信贷合作拓展为全面金融合作。 "以客户为中心"是浦发银行的服务理念。此次业务案例彰显了分行跨域服务能力,也体现了"浦新贷"产 品的适配性。未来,浦发银行菏泽分行将继续依托"浦新贷",进一步优化服务流程、推进产品创新,为更多 中小企业提供优质金融服务,助力地方实体经济高质量发展。 "800多公 ...

通讯员 郭晓慧 菏泽报道 "800多公里当日往返、3个工作日贷款放款到账,1000万元贷款解了我们的燃眉之急!浦发银行的高效服 务和创新产品,太给力了!"菏泽某新材料科技有限公司总经理紧握着浦发银行菏泽分行客户经理李抗的 手,激动地说。 "浦新贷"是浦发银行针对科技型企业及优质中小微企业推出的信贷产品,具有审批高效、额度灵活、用 途广泛的核心优势。该产品依托金融科技与专业风控,为企业定制个性化融资方案,覆盖多元经营场景,是 助力中小企业的重要金融产品。 王会广 高效服务与创新产品的结合,不仅缓解了企业的资金压力,还赢得了企业的信任。目前,该企业已将主要结 算业务及员工代发业务全部迁移至浦发银行菏泽分行,双方合作从单一信贷合作拓展为全面金融合作。 "以客户为中心"是浦发银行的服务理念。此次业务案例彰显了分行跨域服务能力,也体现了"浦新贷"产 品的适配性。未来,浦发银行菏泽分行将继续依托"浦新贷",进一步优化服务流程、推进产品创新,为更多 中小企业提供优质金融服务,助力地方实体经济高质量发展。 菏泽某新材料科技有限公司总部位于北京,在菏泽设有业务板块,因业务拓展急需流动资金。传统贷款产 品存在异地融资审批慢、流程 ...

Core Insights - The core focus of the news is on the innovative financial services provided by SPD Bank's Zhengzhou branch, particularly through the "PuKeDai" product series, which supports technology-driven enterprises in Henan Province with tailored financial solutions [1][2] Group 1: Financial Products and Services - SPD Bank Zhengzhou branch has established a comprehensive service ecosystem centered around the "PuKeDai" product series, injecting 1 billion yuan into technology-oriented enterprises this year [1] - The bank has set up 23 specialized branches for technology finance, creating a network across Henan Province to meet the diverse needs of enterprises at different development stages [1] - The "PuKeDai" product system is designed to match the varying requirements of seed-stage, startup, growth-stage, and mature enterprises [1] Group 2: Case Study and Evaluation Methodology - An example is provided of Anjiele Technology, a high-tech company that faced financing challenges due to limited revenue and collateral; SPD Bank helped by providing a 4.5 million yuan credit loan through the "PuXinDai" product [1] - SPD Bank has developed a unique "technology flow" evaluation system to assess the market value of cutting-edge technologies, focusing on factors such as intellectual property, R&D teams, and technological barriers [1][2] Group 3: Strategic Initiatives and Future Outlook - The bank is actively involved in the "ZhengKeDai" risk compensation fund pool and is innovating by integrating "PuXinDai" with "ZhengKeDai" to enhance financial services [2] - Looking ahead, SPD Bank Zhengzhou branch aims to deepen innovation in technology finance services, optimize business processes and risk control models, and strengthen collaborations with insurance institutions and venture capital funds [2]

Core Insights - The Guangdong-Hong Kong-Macao Greater Bay Area is rapidly developing a "technology-industry-finance" ecosystem, with thousands of innovative enterprises [2] - SPD Bank's Guangzhou branch is actively integrating into Guangdong's high-quality development, focusing on technology finance as a strategic priority [2] - By September 2025, SPD Bank's Guangzhou branch has served over 8,600 high-tech enterprises and 4,900 specialized enterprises in Guangdong, becoming a key financial supporter of the Greater Bay Area's technological innovation [2] Group 1: Financing Solutions for Tech Enterprises - SPD Bank's "PuKe Loan" product system is designed to address the financing needs of tech companies at different stages, utilizing a "5+7+X" product framework [3] - A semiconductor materials company received a customized "PuXin Loan" solution, achieving a credit approval of 7.51 million yuan in just five working days [3] - AR company Gu Dong Technology benefited from a combination of "patent pledge + PuKe Loan," securing 20 million yuan in credit within seven working days, enabling successful product development [4] Group 2: Innovative Evaluation and Support Tools - SPD Bank has developed the "Technology Five Forces Model" to assess enterprise value across five dimensions, moving beyond traditional reliance on financial data [5] - The "Technology Radar" intelligent platform uses AI to gather data on patents and R&D investments, enhancing credit approval efficiency by 40% compared to industry averages [5] Group 3: Policy and Market Response - SPD Bank has implemented new policies to support mature tech enterprises, including the issuance of technology innovation bonds with a low interest rate of 2.5% [6] - The bank has successfully underwritten 1.5 billion yuan in technology innovation bonds, supporting various strategic emerging industries [6] - In the area of merger loans, SPD Bank has provided over 5 billion yuan in support for 15 industry integration projects, following relaxed regulatory measures [7] Group 4: Ecosystem Development and Resource Integration - SPD Bank is creating a "technology financial ecosystem" through partnerships with various institutions, hosting over 200 thematic events to facilitate collaboration among over 3,000 enterprises and 100 investment institutions [8] - The "Technology Salon" serves as a core platform for linking resources and promoting industry connections, exemplified by a recent event that attracted over 40 power equipment companies [8] Group 5: Future Directions - SPD Bank aims to continue enhancing its "5+7+X" product system and deepen collaborations within the "industry-academia-research-government-finance" ecosystem to foster the growth of tech enterprises in the Greater Bay Area [9] - The bank is committed to injecting continuous support into the region's tech ecosystem, aspiring to establish a globally influential innovation hub [9]

Core Insights - The Guangdong-Hong Kong-Macao Greater Bay Area is rapidly developing a "technology-industry-finance" ecosystem, with a focus on high-quality development and innovation [1] - SPD Bank's Guangzhou branch is actively integrating into this development by providing comprehensive financial services tailored to the needs of technology enterprises [1][2] Group 1: Financial Services for Technology Enterprises - SPD Bank Guangzhou has served over 8,600 high-tech enterprises and 4,900 specialized and innovative companies in Guangdong, becoming a key financial supporter of the Greater Bay Area's tech innovation [1] - The "Pukelai" product system, designed to meet the diverse financing needs of tech companies, includes tailored solutions like "Puxin Loan" for companies facing asset-light challenges [2][3] - The bank's innovative "Five Forces Model" and "Technology Radar" platform enhance the evaluation of tech enterprises, improving credit approval efficiency by 40% [4] Group 2: Support for Mature Enterprises - SPD Bank has implemented policies like technology innovation bonds and merger loans to assist mature tech enterprises in overcoming development bottlenecks [5][6] - The bank participated in the issuance of the first private 5-year technology innovation bond in Guangdong, with a low interest rate of 2.5%, reflecting strong market confidence [6] - The bank has provided over 5 billion yuan in merger loans, supporting 15 projects in the technology sector [7] Group 3: Ecosystem Development - SPD Bank is building a technology financial ecosystem through partnerships with various institutions, facilitating over 200 events to promote collaboration among tech companies and investors [8] - The "Technology Salon" serves as a core platform for linking resources and fostering industry connections, exemplified by a recent event that attracted over 40 power equipment companies [8] - The bank aims to continue enhancing its product offerings and ecosystem collaborations to support the growth of tech startups into significant enterprises [9]

Core Viewpoint - The article highlights the role of SPD Bank's Qingdao branch in supporting the marine economy through innovative financial products and services, enabling the growth of marine enterprises in Qingdao [1][6]. Group 1: Financial Support for Marine Enterprises - SPD Bank Qingdao branch has focused on the marine economy, providing tailored financial solutions to address the challenges faced by marine enterprises, particularly small and medium-sized fishing companies [2][3]. - The bank established a "financing task force" to conduct in-depth research on the characteristics of the deep-sea fishing industry and the asset value of fishing vessels, leading to innovative financing solutions [2][3]. - A combination guarantee model of "fishing vessel mortgage + marine usage rights mortgage" was introduced, successfully providing credit to a key industry player, enabling the upgrade of its fleet of 40 deep-sea fishing vessels [3][4]. Group 2: Support for Technology-Driven Marine Enterprises - SPD Bank Qingdao branch has developed a full lifecycle financial service system for technology-driven marine enterprises, helping them grow from startups to established companies [4][5]. - The bank created a customized financing plan for a marine health food manufacturer, utilizing a "marine usage rights mortgage + technology credit loan" model to secure higher mortgage limits and loan support [4][5]. - The bank's "浦科" product system includes five core products and seven financial service plans, designed to support marine enterprises at various stages of development [4][5]. Group 3: Building a Collaborative Ecosystem - SPD Bank Qingdao branch actively constructs a "government-bank-enterprise" ecosystem to promote deep integration of blue finance, facilitating collaboration among various stakeholders [7][8]. - The bank has organized events such as "Technology Salons" and supported competitions focused on marine technology innovation, fostering communication and cooperation among marine technology enterprises [7][8]. - The establishment of a specialized branch for marine finance marks a new chapter in the bank's commitment to supporting the blue economy in Qingdao [6][8]. Group 4: Achievements and Future Outlook - As of June 2025, SPD Bank Qingdao branch has served 1,200 marine enterprises and issued over 30 billion yuan in marine loans, demonstrating its significant impact on the blue economy [6][8]. - The bank aims to continue its partnership with marine enterprises, contributing to the sustainable development of the marine economy in Qingdao [8].

Core Viewpoint - The article highlights the role of SPD Bank's Qingdao branch in supporting the marine economy through innovative financial products and services, enabling the growth of marine-related enterprises in Qingdao [1][5]. Group 1: Support for Marine Enterprises - SPD Bank Qingdao branch has established a "financing task force" to address the financing challenges faced by marine enterprises, particularly small and medium-sized fishing companies [2]. - The bank introduced a "fishing vessel mortgage + sea area usage rights mortgage" combination guarantee model, which successfully provided credit to a key industry player, Rongyuan Fisheries, allowing for the upgrade of its fleet [2][3]. - The bank has served over 1,200 marine enterprises and issued loans exceeding 30 billion yuan by June 2025, demonstrating its commitment to the marine economy [5]. Group 2: Focus on Technology-Driven Marine Enterprises - SPD Bank Qingdao branch has developed a full lifecycle financial service system for technology-driven marine enterprises, supporting their growth from inception to maturity [3]. - The bank created a specialized product system called "Puketech," which includes five key products and seven financial service plans tailored for technology enterprises [3][4]. Group 3: Strengthening Supply Chain Financing - The bank has enhanced its online financing platform to provide supply chain financing solutions for marine enterprises, addressing issues related to collateral and traditional financing methods [4]. - The "N+1+N" financial service plan has been developed to support the upstream and downstream of marine enterprises, utilizing digital products for quick loan disbursement [4]. Group 4: Collaborative Ecosystem Development - SPD Bank Qingdao branch actively builds a "government-bank-enterprise" ecosystem to promote deep integration of blue finance, hosting events and discussions to foster collaboration among marine technology enterprises [6]. - The bank participated in various blue finance activities, including supporting the 13th China Innovation and Entrepreneurship Competition focused on marine technology [6]. Group 5: Long-term Commitment to Marine Economy - Since 2015, SPD Bank Qingdao branch has prioritized the marine economy as a strategic focus, establishing a blue economy financial service center and receiving recognition from national authorities for its initiatives [5][6]. - The opening of a specialized branch for marine finance in 2023 marks a new chapter in the bank's commitment to supporting the blue economy [5].

Core Viewpoint - The successful marketing of the first corporate connection to the central bank's credit platform by the Taiyuan branch of SPD Bank marks a significant breakthrough in financial and technological integration in Shanxi Province [1][2]. Group 1: Central Bank Credit Platform - The central bank's credit platform serves as an innovative initiative aimed at creating an efficient communication bridge between financial institutions and enterprises, facilitating the precise flow of financial resources to the real economy [2]. - The successful collaboration between SPD Bank's Taiyuan branch and the enterprise is the first instance of corporate matchmaking under this platform in Shanxi Province, showcasing its pioneering and demonstrative significance [2]. Group 2: SPD Bank's Financing Solutions - SPD Bank's "Puxin Loan" product is a credit financing solution specifically designed for technology-based enterprises, providing 5 million yuan in credit financing to support the enterprise's development [3]. - The Puxin Loan offers flexible financing options, lower thresholds, and rapid approval processes, effectively supporting enterprises in their research and development efforts [3]. Group 3: Future Cooperation and Development - The successful implementation of the first corporate matchmaking business under the central bank's credit platform lays a solid foundation for deep cooperation between banks and enterprises [4]. - SPD Bank's Taiyuan branch plans to continue leveraging its financial expertise to provide comprehensive and personalized financial services, including financial management and investment consulting, to help enterprises optimize fund allocation and maximize value [4].

Core Insights - Heilongjiang Province has implemented a series of effective policies to enhance enterprise support and stimulate market vitality, transitioning from "people finding policies" to "policies finding people" [1][7] - The province's credit report reform has replaced traditional proof requirements, issuing 3,838 special credit reports for 1,703 enterprises, significantly reducing the need for 83,300 traditional proofs [1][3] - The establishment of a unified enterprise service platform has allowed 331 million business entities to create exclusive profiles, facilitating the delivery of 3,300 policy items and disbursing 3.571 billion yuan in funds [7][10] Policy Implementation - The introduction of the "Dragon" series of enterprise service packages has effectively addressed various enterprise needs, including approval services, policy fulfillment, financing, and contract supervision [1][3] - Specific measures to support high-end intelligent agricultural machinery and low-altitude economy development have been rolled out, including subsidies and project support [3][4] - The "Double Stability Fund" has provided 31.57 billion yuan in guaranteed loans to 15,188 small and micro enterprises, enhancing financial support for businesses [6] Financial Support and Innovation - The financing credit reporting service platform has registered over 1.964 million business entities and 2,123 financial institutions, facilitating 24.795 billion yuan in financing through 116,900 loans [6] - The "Pu Xin Loan" product developed by Shanghai Pudong Development Bank has enabled rapid loan processing for technology-based SMEs, exemplified by Pengcheng New Materials receiving a 10 million yuan loan [4][6] Market Environment and Business Growth - The province has seen nearly 1,300 new signed projects with a total investment exceeding 370 billion yuan in the first half of the year, reflecting a robust market environment [10] - The "one-stop" service model in Harbin has streamlined business registration processes, allowing entrepreneurs to complete necessary steps within two days without physical visits [10] - Local governments have actively engaged in policy delivery, ensuring that enterprises are well-informed about available subsidies and support measures [10]

Core Insights - DI Robotics gained significant attention at the 2025 World Robot Conference due to its series of wearable exoskeleton robot products, supported by the Beijing branch of Pudong Development Bank [1] - Pudong Development Bank's "Jingyi Qiujing" technology financial service plan provided strong backing for DI Robotics' development [1] - DI Robotics is a leading provider of rehabilitation robot solutions, excelling in original research and development in the field [1] Financial Support and Collaboration - In early 2024, DI Robotics was in the R&D and market promotion phase, with Pudong Development Bank effectively addressing the company's funding challenges through tailored financial products like "Puxin Loan" [1] - The collaboration between Pudong Development Bank and DI Robotics exemplifies the financial empowerment of innovation in the robotics industry [1] Service Enhancement and Future Plans - Pudong Development Bank is enhancing its "Jingyi Qiujing" technology financial service brand, expanding its integrated service system of "financing, intelligence, and sharing" for tech companies [1] - The bank plans to strengthen its technology financial service support by focusing on "super platforms, super products, and super systems," exploring new models of financial services for technological innovation [1]