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 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].

Core Viewpoint - The article emphasizes the critical role of financial services in supporting the innovation and development of technology enterprises in China, particularly in the context of the ongoing global technological innovation wave and the country's goal of becoming a technology powerhouse [2][21]. Group 1: Financial Services and Technology Enterprises - Financial services are deemed a "necessity" for technology enterprises, as highlighted by the CEO of Qianlang Intelligent Technology, who discussed the importance of banking partnerships in overcoming challenges related to cross-border payments and funding efficiency [7][8]. - The collaboration between Qianlang Intelligent and Shanghai Pudong Development Bank showcases how tailored financial products can address specific needs of technology firms, enhancing their operational efficiency and international expansion [7][19]. - The article illustrates that the demand for financial services is not limited to funding but extends to comprehensive financial management solutions that adapt to the evolving needs of technology companies [7][8]. Group 2: Case Studies of Financial Support - Estun Automation, a leading player in the industrial robotics sector, has benefited from a long-term partnership with Shanghai Pudong Development Bank, which has provided various financial products, including working capital loans and supply chain financing [14][15]. - The financial services landscape has evolved, allowing private manufacturing enterprises like Estun Automation to access innovative financing options that were previously unavailable, thus facilitating their growth and development [14][15]. - The case of Jiachensihai Biotechnology illustrates the importance of stable financial support in the competitive landscape of innovative pharmaceuticals, where timely funding can significantly impact research and development progress [17][19]. Group 3: The Role of Financial Innovation - The article highlights the ongoing transformation within banks to better understand and meet the unique needs of technology enterprises, moving beyond traditional service models to offer more relevant financial solutions [21]. - Financial institutions are increasingly focusing on providing "warm" financial empowerment, which is crucial for the innovation pathways of technology companies, ensuring they have the necessary resources to thrive [21]. - The integration of financial services into the operational strategies of technology firms is seen as a key factor in achieving high-quality development within China's technology sector [21].

当前，全球科技创新浪潮奔涌，中国也进入建设科技强国的关键时期。在企业加速向科技转型迈进的同 时，金融亦在快速自我革新，不断突破传统金融服务模式的局限，以更精准、更高效、更具前瞻性的服 务适配科技企业的发展特性。 记者了解到，商业银行正以"硬科技"内核重塑信贷经营模式，对金融服务的流程、体验、风控决策等全 方位进行"数智化能力再造"。 近期，本报记者奔赴上海、南京以及杭州等地进行调研，探寻金融与科技同频共振的鲜活案例，聆听未 来产业发展的心声。 擎朗智能：对科技企业来讲，金融服务是"刚需" 在调研的首站，记者来到了上海擎朗智能科技有限公司（以下简称擎朗智能），这是一家"通用+"专用 具身人形机器人公司，提供具身智能解决方案的智能机器人研发、制造及国内外销售，是全球具身服务 机器人行业领军者。 开创全球服务配送机器人行业以来，擎朗智能持续深耕场景化应用，如今已成为全球商用服务机器人占 有率第一的企业，在全球累计部署超过10万台机器人，业务覆盖60多个国家、600多个城市，拥有人形 机器人、清洁机器人、配送机器人等行业最全品类矩阵。 擎朗智能创始人兼CEO李通表示，对科技型企业来讲，金融服务需求是"刚需"。他介绍了 ...

据了解，在服务国家基建产业链方面，浦发银行上海分行把握总行与央企中国铁路工程集团、中国铁道 建筑集团自建供应链平台系统对接的机遇，为核心企业中铁ST、中铁ESSJ公司落地自建供应链平台项 下"浦链通"业务。依托电子债权凭证"中铁E信"和"铁建银信"，为其供应商提供线上秒贷放款，并通过 集中收付款系统实现平台手续费的自动结算。 转自：新华财经 在浦发银行全面推进"数智化"战略的背景下，浦发银行上海分行以数字化、智能化为主线，深耕供应链 金融领域，强化线上化经营，明确设定线上贷款规模"翻一番"的目标。近期，"浦链通"业务线上累计投 放量已突破100亿元，数字化供应链产品服务能力持续提升。 "浦链通"作为浦发银行推出的数智供应链核心产品，具备全生态、全在线、全场景、全智能等特征，广 泛覆盖多行业生态与产销场景，实现业务流程全线上的智能化运作，尤其专注于供应链上游企业在验收 入库及到期付款等环节的金融需求。上半年，浦发银行上海分行在线供应链业务量净增277亿元，新增 供应链客户886户，上下游客户总数达2416户，多项指标位列全行首位。 同时，浦发银行上海分行不断拓展铁路运输金融场景，成功落地"国铁运费贷"业务。该业 ...

Core Viewpoint - The 2025 China International Service Trade Fair focuses on financial services, showcasing innovations in fintech and emphasizing the role of digitalization in enhancing financial accessibility for various demographics [1][2][4]. Group 1: Financial Innovations and Accessibility - The fair features 97 domestic and international financial institutions, highlighting advancements such as AI models, digital RMB marketplaces, and VR experiences [1]. - Financial institutions are introducing inclusive financial solutions to break down service barriers, with China UnionPay showcasing its efforts in cross-border payment facilitation [2][4]. - Small and micro enterprises are benefiting from digital solutions that simplify loan applications, as demonstrated by Minsheng Bank's "Minsheng e-home" product [3]. Group 2: Technology Empowerment in Finance - AI technology is being utilized to provide personalized investment advice, enhancing service efficiency and customer experience [5][6]. - The application of digital RMB is expanding, with various institutions creating immersive experiences to promote its use [6][7]. - Remote service technologies, including VR, are being employed to enhance customer engagement and decision-making processes [7]. Group 3: Policy and Ecosystem Development - National policies are guiding financial support towards key sectors, marking a shift from traditional funding to more targeted financial assistance [8][10]. - Local governments are innovating financial practices, such as dynamic financing demand lists and direct equity investment policies, to support emerging industries [10][11]. - The development of inclusive finance is being prioritized, with initiatives aimed at alleviating financing difficulties for small businesses and farmers [11].

Group 1 - The core strategy of Shanghai Pudong Development Bank (SPDB) is to deepen its "digital intelligence" strategy, focusing on supply chain financing and aiming to double its online loan volume [1] - The "Puchain" online financing product has achieved a cumulative online investment exceeding 10 billion yuan, with a net increase of 27.7 billion yuan in online supply chain business volume in the first half of the year [1] - The bank has successfully onboarded 886 new supply chain clients, bringing the total number of upstream and downstream clients to 2,416, leading the entire bank in supply chain business growth [1] Group 2 - SPDB has implemented innovative features such as automatic loan disbursement and centralized fee collection for its "Puchain" business under the third-party platform model, catering to the financing needs of numerous small and dispersed suppliers in the new retail sector [2] - The bank has tailored a comprehensive financial service plan to support the construction of five new cities, leveraging its partnership with the Simple Exchange platform to enhance financing efficiency and convenience for clients [2] Group 3 - The bank has launched the "National Railway Freight Loan" service, which provides online financing solutions for railway users, helping to alleviate their cash flow pressures and extend payment periods for freight [3] - SPDB aims to continuously enhance its financial services for the real economy and inject more financial momentum into the development of various enterprises within the supply chain [3]

央企供应链自建平台作为产业链的"核心枢纽"，将上下游资源紧密相连，浦发银行北京分行的"浦链 通"服务则依托这一平台，将金融服务深度嵌入产业链的各个环节，实现了资源的优化配置和信息的高 效流通。截至目前，浦发银行北京分行在与央企为主的产业链核心企业紧密联动中，累计投放贷款规模 近200亿元，服务覆盖全国范围的上游供应商近2000家。这些供应商大多为产业链中的中小微企业，资 金压力成为制约其发展的重要因素，而"浦链通"的精准投放，则有效破解了它们的融资难题。 本报讯 （记者吕东）为促进大中小企业多链协同、全面融通，浦发银行北京分行以总行"五大超级产 品"之一的"浦链通"为抓手，积极与多家央企集团展开深度合作，凭借供应链金融服务创新模式，以核 心企业和链上广大中小企业为中心，为产业链上下游注入金融活水，共同构建起安全、稳定、高效的供 应链新生态。 今年以来，浦发银行北京分行将与央企的合作作为供应链金融创新发展的重要突破口。央企集团凭借其 在产业链中的核心地位，拥有庞大的产业链体系，上下游连接着众多企业，其中不乏大量急需资金支持 的中小微企业。浦发银行北京分行通过与央企供应链自建平台进行系统对接，通过"浦链通"数智化 ...

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) has demonstrated steady growth and improved asset quality through its "digital intelligence" strategy, achieving a net profit of 29.737 billion yuan, a year-on-year increase of 10.19% [1] Financial Performance - SPDB reported operating income of 90.559 billion yuan, up 2.62% year-on-year [1] - Total loans reached 5.635 trillion yuan, an increase of 4.51% from the end of the previous year [1] - Total deposits amounted to 5.594 trillion yuan, growing by 8.71% compared to the end of last year [1] - Non-interest income was 32.252 billion yuan, reflecting a year-on-year growth of 6.79% [1] Asset Quality - Non-performing loans (NPL) decreased to 73.672 billion yuan, with an NPL ratio of 1.31%, down 0.05 percentage points from the end of the previous year [2] - The provision coverage ratio improved to 193.97%, an increase of 7.01 percentage points, indicating enhanced risk mitigation capacity [2] Strategic Focus Areas - SPDB is focusing on five key areas: technology finance, supply chain finance, inclusive finance, cross-border finance, and treasury finance, with these areas accounting for 70% of new loans [4] - Technology finance loans exceeded 1 trillion yuan, serving over 240,000 technology enterprises [4] - Supply chain finance has seen a cumulative investment exceeding 100 billion yuan, serving nearly 27,000 enterprises, marking a 46.08% year-on-year increase [5] - Inclusive finance loans reached 496.1 billion yuan, with the number of inclusive loan customers exceeding 420,000, a growth of 30% [5] - Cross-border loans grew by 20% to 319.3 billion yuan, supporting national policies for international cooperation [5] Liability Structure Optimization - The average deposit interest rate decreased to 1.67%, down 39 basis points year-on-year, with corporate and retail deposit rates also declining [7] - Total deposits increased by 448.3 billion yuan, with a growth rate of 8.71%, leading to a favorable liability cost structure [7][8] Support for National Strategy - SPDB is actively contributing to the development of the Yangtze River Delta region and supporting Shanghai's "Five Centers" initiative [9] - Loans in the Yangtze River Delta reached 1.98 trillion yuan, with a growth of 7.50% year-on-year [10] - The bank is focusing on key industries such as integrated circuits, biomedicine, and artificial intelligence, with significant loan allocations to these sectors [10]