在辽东半岛的黄金海岸线上，企业同台竞技、各展所长，实体与金融深度融合、齐头并进，东北亚 国际航运中心、国际物流中心和东北海陆大通道建设蹄疾步稳……大连，这座向海而兴的百年港城，以 口岸经济为锚点，着力打造高质量发展新范式。 转向：柳暗花明 《金融时报》记者到达大连周氏水产食品有限公司（以下简称"周氏水产"）的时候已近晌午。挂满 海货的架子布满场区，空气潮腻咸鲜，几台散布其间的大风扇嗡嗡作响。 这是一家看上去很不起眼的企业，但公司法人周璐亮出的一组数据却暗示这里并不简单：公司拥有 14项实用新型专利，近两年销售额连续翻番，今年销售额预计达6000多万元。 这家成立于2004年的公司主营水产品加工、罐头及食品添加剂生产等，重点开展国内外贸易及进出 口业务，前期主要服务日韩和北美客户。因2020年到2022年环境突变和接续而来的关税冲击，整体业务 萎缩明显。 面对经营瓶颈，周氏水产将目光投向南美等市场。凭借多年经验积累，该公司攻克多个技术难关， 研发出在当地颇受欢迎的深加工鱼类产品，并在2024年11月成功签下新订单。"幸好有这笔海外订单， 否则公司很难承受连续亏损。"周璐表示。随着南美等市场需求增长，公司计划扩大 ...

浦发银行把科技金融作为战略主赛道，以"股、债、贷、保、租、孵、撮、联"综合服务模式 和"5+7+X"浦科创新产品体系，为科技企业提供全生命周期服务，截止6月末，服务科技型企业超24万 户，全国科创板上市企业超七成，战略新兴产业上市公司超八成，浦发银行北京分行落地了全国首批科 技创新债券暨北京市首单股权投资机构科技创新债券以及科技企业并购贷款试点业务；供应链金融依 托"1+1+X"数智供应链体系，实现提质增效，6月末，浦发银行累计服务供应链上下游客户27,633户，较 上年末增长46.08%；普惠金融通过建立绿色审批通道、落实无还本续贷政策、深入开展千企万户大走 访活动等，协同"浦惠来了""手机银行"构建多渠道服务矩阵，切实解决小微企业融资难题，截至6月 末，浦发银行普惠两增贷款余额4,961亿元，普惠贷款客户数超42万户；跨境金融赛道以"6+X"跨境金融 服务体系为核心，构建"跨境+"综合服务生态，上半年，浦发银行跨境交易结算量20,599亿元，同比增 长33%；财资金融赛道依托"新浦发、新零售"战略，提供包括现金、固收、权益、保障、另类 等"5+X"产品货架，持续做大财富业务，截至6月末，浦发银行管理个人A ...

（原标题：数智赋能五大赛道 浦发银行亮相服贸会勾勒高质量发展新图景） 9月10日，2025年中国国际服务贸易交易会在首钢园拉开帷幕。浦发银行携"数智化"战略最新成果与生态伙伴盛装亮相。浦发银行北京分行已连续 五年参加服贸会，服务亮点逐年升级。2021年"浦发绿创"绿色金融服务领跑行业，落地多笔全市场首单、首批业务。2022年紧扣"五子联动"，积 极支持北京市"3个100"重点工程项目、标志性城市更新改造项目落地。2023年对京津冀地区新型基础设施建设、产业升级转移等加强金融支持。 2024年推出"京益求精"科技金融服务体系，打造科技企业获取金融服务的重要入口，发布"浦爱银发"适老特色服务计划，全面提升银发群体服务 质效。 今年，浦发银行北京分行紧扣"数智引领 服贸焕新"主题，通过科技感、沉浸式与互动性的设计，诠释"数智化"战略赋能实体经济的"浦发样本"， 并携手同业及生态伙伴共同打造"生态展中展"，提升科技互动观展体验，为服贸会注入满满数智活力。 "五大赛道"数智跃迁 科技金融、供应链金融、普惠金融、跨境金融、财资金融"五大赛道"是浦发银行贯彻落实金融"五篇大文章"的重要举措，也是数智化战略在业务 层面落地的 ...

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) Shanghai Branch has achieved significant milestones over its 32 years, focusing on compliance culture and serving the national strategy while contributing to Shanghai's development as an international financial center [3]. Group 1: Customer Engagement and Market Development - SPDB Shanghai Branch emphasizes targeted customer engagement, creating a specialized service ecosystem to cater to different customer segments [4]. - The branch has successfully launched the first batch of insurance asset management services in the gold market, enhancing efficiency and safety for insurance institutions [4]. - A new product, "省心存," was developed to address the needs of the futures market, resulting in a stable deposit balance exceeding 1 trillion yuan [4]. Group 2: Investment and Financial Support - The branch has invested 519 billion yuan in key national strategic areas, with a 14% increase year-on-year, supporting technology finance, inclusive finance, and regional development [7]. - Specific allocations include 29 billion yuan for technology finance, 8 billion yuan for inclusive finance, and 456 billion yuan for the Yangtze River Delta integration [7]. Group 3: Custody and Asset Management - SPDB Shanghai Branch's custody business has reached 5.6 trillion yuan, growing over 300 billion yuan since the beginning of the year, maintaining the top position in the Shanghai region [9]. - The branch has introduced innovative products, including the first floating rate fund and the first insurance gold custody service in the market [9]. Group 4: Discounting Services and Digital Transformation - The bank has established a robust ecosystem for bill discounting, serving 570 clients, a 25% increase, and has simplified processes for technology enterprises [10]. - The introduction of the "浦银e贴" online discounting product has enhanced efficiency, with 6.4 billion yuan processed through digital channels [10].

Core Insights - The article focuses on the role of the bill market in connecting the real economy with the financial system, highlighting how commercial banks and financial companies innovate to serve technology enterprises through bill financing [1] Group 1: Demand-Driven Innovations - The high R&D costs and long return cycles have led to a funding shortage for technology enterprises, making bill financing a crucial tool for optimizing cash flow and ensuring R&D investments [2] - Financial institutions have developed innovative bill products such as ICBC's "Gongyin Xiangtie" series, SPD Bank's "Puyin e-bill," and Zhejiang Bank's "Discounting Service," which cater specifically to the needs of specialized and technology-driven enterprises [2][3] - These innovations are not merely theoretical but are closely aligned with market demands, providing comprehensive financial support throughout the enterprise lifecycle [2][3] Group 2: Scene Integration - Financial institutions aim to deeply integrate bill financing with the growth needs of enterprises, embedding services into business operations and ensuring relevance to specific scenarios [4] Group 3: Practical Applications - Zhejiang Bank's collaboration with a high-tech subsidiary of State Grid to launch the "Electric e-bill" product exemplifies how bill financing can be integrated into various industry scenarios, allowing companies to use electronic bank acceptance bills for utility payments [5] Group 4: Financial Company Innovations - Financial companies, such as the Weapon Equipment Group's finance company, focus on building risk management systems that include bill management, enhancing data connectivity, and monitoring overdue payments and counterparties [6] Group 5: Institutional Foundations - The article emphasizes the need for a comprehensive institutional framework for bills, including tiered access mechanisms for innovative products and differentiated rules based on application characteristics [7][8] - Recent initiatives, such as the collaboration between SPD Bank's Suzhou branch and the People's Bank of China, aim to enhance support for technology enterprises through bill financing, with significant amounts already disbursed [8]