作为深耕区域市场的金融力量，浦发银行太原分行始终聚焦核心企业金融需求，持续拓展供应链金融合 作边界。此次"浦链通"业务的成功落地，是分行践行数智化战略、赋能实体经济的重要突破，进一步提 升了其在区域内供应链金融领域的品牌影响力与客户满意度。 聚焦供应链金融提质增效需求，助力实体经济高质量发展，近日，浦发银行太原分行成功携手中铁三局 集团有限公司，实现"浦链通"业务破冰落地。此次合作不仅为双方供应链融资合作开辟全新路径，更构 建起灵活高效、低成本的供应链金融服务新架构，以金融创新为产业链生态注入强劲动能。 "浦链通"是浦发银行在供应链金融赛道重点打造的创新产品，深度契合实体产业供应链协同发展、金融 服务提质升级的市场趋势。此次合作以中铁三局集团主导的供应链真实交易背景为基础，借助核心企业 买方增信额度，为上游供应商精准提供买断型保理融资服务。依托数字化技术支撑，业务实现资料在线 提交、系统自动审核，凭借"免评级、免授信、免额度"的准入优势，大幅简化业务流程、提升融资效 率，赢得中铁三局及上游供应商的高度认可。这一创新模式有效盘活了供应链应收账款，加速了供应商 资金回笼，为中铁三局供应链生态稳定发展筑牢金融支撑。 ...

新华财经上海11月19日电（记者高攀、王淑娟）近两年来，浦发银行深入推动"数智化"战略实施，重点 布局五大赛道，构建经营新模式。随着战略转型初见成效，浦发银行经营韧性持续彰显，市场看到了一 个稳步成长的"新浦发"。10月底，浦发银行500亿元可转债成功"谢幕"，新一轮发展引擎即将启动。 近日，记者专访了浦发银行行长谢伟，这位"70后"行长是有着30余年丰富银行从业经验的"老将"，在第 十四届"沪上金融家"评选中荣获"上海国际金融中心建设年度人物"。 "可转债成功转股为浦发银行进一步发展提供了底气和信心。"展望新征程，谢伟表示，浦发银行将围 绕"数智化"战略体系部署，坚持高目标引领，全力打造上海国际金融中心金融名片、银行业数智化转型 新标杆，奋力谱写全面建设具有国际竞争力的一流股份制商业银行新篇章。 数智化战略破局领航，驱动业绩韧性增长 在低利率与息差收窄的周期下，银行赛道正上演着盈利模式与风控能力的全方位较量。2025年三季报显 示，浦发银行是9家A股上市股份制银行里营收和净利润"双增"的唯一一家。而且，在盈利增长与风险 抵御上同步提升，不良贷款率继续下降、拨备覆盖率显著提升。 业务指标是经营成效最直观的体现 ...

Core Insights - The core viewpoint emphasizes the importance of supply chain finance in supporting the real economy, with浦发银行天津分行 innovating financial products to enhance capital flow within industrial chains [1][3]. Group 1: Supply Chain Financial Products - 浦发银行 has launched a digital supply chain finance product called "浦链通," which facilitates online financing based on core enterprise credit and supplier receivables, characterized by easy access, short processes, and minimal paperwork [1]. - Since the launch of "浦链通," 浦发银行天津分行 has serviced 60 core enterprise chains, disbursing over 8 billion yuan in financing and serving nearly 500 suppliers, indicating a continuous enhancement of its digital supply chain service capabilities [1]. Group 2: Market Opportunities and Innovations - 浦发银行天津分行 has identified market opportunities by providing differentiated services through "浦链通," including system integration with core enterprises and third-party platforms, as well as rapid financing processes that can complete transactions in as little as one hour [2]. - The bank has expanded its "浦链通" services to 15 core enterprises in the construction industry, providing over 2 billion yuan in financing to small and micro suppliers, showcasing its commitment to supporting this sector [2]. Group 3: Future Directions - 浦发银行天津分行 aims to continue focusing on the needs of the real economy by deepening the integration of supply chain finance products and technology, offering more precise services, flexible solutions, and efficient responses to empower the industrial chain [3].

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].

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 transformation and the need for financial institutions to adapt their services to meet the unique needs of these companies [1][10]. Group 1: Financial Services for Technology Enterprises - Financial services are considered a "necessity" for technology companies, as highlighted by the CEO of Qingtong Intelligent Technology, who noted the importance of banking partnerships in overcoming challenges related to overseas expansion and funding efficiency [2][3]. - The collaboration between Qingtong Intelligent and Shanghai Pudong Development Bank (SPDB) has facilitated better management of overseas funds and improved funding efficiency through innovative banking products [3][4]. - The financial landscape for technology enterprises has evolved, with SPDB providing various financial products tailored to different stages of company development, including technology loans and support for overseas investment [3][6]. 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][7]. - 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 - Stable financial support is essential for technology breakthroughs, as highlighted by Jiachen Xihai's CEO, who stressed that timely funding is critical to avoid delays that could jeopardize competitive positioning [8][9]. - The article illustrates that financial services play a pivotal role in the innovation journey of technology companies, enabling them to navigate challenges and seize opportunities in their respective fields [10].

Core Insights - Shanghai Branch of SPDB is advancing its "digital intelligence" strategy, focusing on supply chain finance and aiming to double its online loan volume [1][2] - The "Pu Lian Tong" service has surpassed 10 billion yuan in online funding, enhancing digital supply chain product capabilities [1] - The branch has seen a net increase of 27.7 billion yuan in online supply chain business volume and added 886 new supply chain clients in the first half of the year [1] Digital Supply Chain Finance - "Pu Lian Tong" is a core product featuring full ecosystem, online, all-scenario, and intelligent characteristics, catering to financial needs of upstream enterprises [1] - The branch has established connections with major state-owned enterprises for supply chain platform integration, facilitating online instant loans for suppliers [1] Support for New Retail and Infrastructure - The branch is addressing supply chain financing needs in the new retail sector by deploying "Pu Lian Tong" for leading TMT companies, enabling automatic loans and centralized payment collection [2] - Customized financial service solutions are provided to key enterprises involved in the construction of five new cities, enhancing financing efficiency [2] Expansion of Financial Services - The branch has successfully launched the "National Railway Freight Loan" service, providing efficient financing for railway users based on electronic waybills [2] - Future plans include continuous enhancement of supply chain financial services to empower upstream and downstream enterprises in the real economy [2]

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].