（来源：甘肃金融） 近年来，浦发银行兰州分行始终坚守金融服务实体经济的初心与使命，深入贯彻落实党中央关于做好金 融"五篇大文章"的部署安排，全面推进总行数智化战略实施。该行立足区域特色，重点布局科技金融、 供应链金融、普惠金融、跨境金融和财资金融"五大赛道"，将供应链金融确立为主赛道，创新推出一系 列精准高效的供应链金融解决方案，有效破解产业链发展难题，显著提升区域经济韧性。通过持续强化 超级产品、超级平台、超级系统的"三超"体系建设，着力打造"浦链通"特色产品，精准打通产业链资金 流转堵点，充分激活上下游企业发展动能，实现金融"活水"对实体经济的精准灌溉，切实擦亮"要链通 找浦发"这一金融服务品牌。 党建引领发展 推动供应链金融"全面拓" 浦发银行兰州分行党委深入推进党建与中心工作融合，将"供应链金融"纳入2025年度"党建促发展"重点 项目，组建"浦链铁军"党员突击队。该突击队以"铁人先锋 智绘兰图"党建品牌为引领，开展"浦链铁军· 强链攻坚"专项活动，持续推动经营机构"一行六链"和客户经理"一人一链"工作机制，实现供应链金 融"人人懂、个个会、全员做"，促进供应链金融实现跨越式发展。 打通资源整合"主动 ...

Core Insights - The collaboration between SPDB Taiyuan Branch and China Railway Third Engineering Group marks the successful launch of the "Pu Lian Tong" supply chain finance initiative, aimed at enhancing the quality and efficiency of supply chain financial services to support high-quality development of the real economy [1][2] - "Pu Lian Tong" is an innovative product designed to meet the market trend of supply chain collaboration and financial service upgrades, leveraging core enterprise credit enhancement to provide precise financing solutions for upstream suppliers [1] Financial Innovation - The partnership utilizes a real transaction background led by China Railway Third Engineering Group, offering buyout factoring financing services to upstream suppliers based on the credit enhancement of core enterprises [1] - The digital technology support allows for online document submission and automatic system review, significantly simplifying the business process and improving financing efficiency with advantages such as "no rating, no credit, and no quota" [1] Impact on Supply Chain - This innovative model effectively revitalizes accounts receivable within the supply chain, accelerates capital recovery for suppliers, and strengthens financial support for the stable development of the supply chain ecosystem of China Railway Third Engineering Group [1] - SPDB Taiyuan Branch aims to expand its supply chain finance cooperation boundaries, enhancing its brand influence and customer satisfaction in the regional supply chain finance sector [1][2] Future Outlook - The bank plans to continue focusing on the supply chain finance sector, leveraging its comprehensive financial service system to promote innovative products and service models [2] - By utilizing technology in finance, the bank seeks to unlock new business growth opportunities and provide integrated financial solutions for core enterprises and their supply chain partners, contributing to the high-quality development of the local real economy [2]

Core Viewpoint - Pudong Development Bank (PDB) has successfully implemented its "digital intelligence" strategy, focusing on five key areas to establish a new operational model, demonstrating resilience and steady growth in its business [2][3]. Group 1: Strategic Implementation - PDB has laid out a "digital intelligence" strategy, emphasizing the enhancement of development quality and service to the real economy, with a focus on five key areas: technology finance, supply chain finance, inclusive finance, cross-border finance, and treasury finance [3][4]. - The bank's successful conversion of 50 billion yuan in convertible bonds has provided confidence and resources for further development, marking a significant milestone in its capital structure [8][10]. Group 2: Financial Performance - In the third quarter of 2025, PDB was the only A-share listed bank to achieve growth in both revenue and net profit, while also improving its risk management metrics, including a decrease in non-performing loan ratio and an increase in provision coverage ratio [3][4]. - The bank's supply chain finance business has seen substantial growth, with online supply chain business volume reaching 574.86 billion yuan, a year-on-year increase of 267.65% [4]. Group 3: Internationalization and Cross-Border Services - PDB is enhancing its international presence by focusing on supporting Chinese enterprises going global, addressing their complex financial service needs, including risk management related to exchange rates and financing costs [5][6]. - The bank has established a "cross-border+" service ecosystem, leveraging its offshore banking capabilities and experience in the Shanghai Free Trade Zone to support international trade and shipping sectors [5][6]. Group 4: Technology Finance Development - PDB has positioned technology finance as a strategic priority, aiming to create a comprehensive service ecosystem that supports technology enterprises throughout their lifecycle, with a loan balance exceeding 1 trillion yuan by the end of the third quarter of 2025 [6][7]. - The bank has developed a specialized network of 510 technology branches to enhance its service capabilities in technology finance, fostering innovation and entrepreneurship [6][7]. Group 5: Future Outlook - PDB aims to continue strengthening its technology finance service system and set higher growth targets, promoting a virtuous cycle among technology, industry, and finance [7][10]. - The successful completion of the convertible bond conversion is seen as a new starting point for PDB, which will focus on its core business and enhance operational efficiency and profitability [10][11].

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]