成立近30年来，民生银行始终秉持"服务大众，情系民生"企业使命，坚持以服务实体经济为根本宗旨， 着力以优质的金融服务助力经济社会高质量发展。 近年来，民生银行紧扣"科技兴国、金融赋能"时代脉搏，持续深耕科技金融。在山东地区，民生银行将 金融资源精准输送至科技企业，为企业提供覆盖技术研发、成果转化到产业升级的全生命周期服务，奏 响金融与科技协同发展的新乐章。 让政策红利直达科创"主战场" 在服务科技型企业过程中，民生银行不断探索创新服务模式，推动金融服务从"被动等待"向"主动预 判"转变，从"单一授信"向"全场景渗透"延伸。 山东一家国家级制造业单项冠军、专精特新中小企业，深耕精密金属加工设备领域，年营业收入超3亿 元，其核心产品在航空航天、轨道交通等高端制造领域市占率超30%。 民生银行济南分行持续开展客户走访，根据企业实际情况，做好结算、员工信用卡、消费贷款等综合金 融服务，持续跟进了解企业的各类金融需求。2025年一季度，该企业因为一笔收购业务占用了大量资 金，出现了临时性资金紧张。济南分行迅速响应，第一时间为客户定制综合金融服务方案，并结合其在 人民银行科技金融再贷款名单内的优势，设计利率优惠融资方案， ...

面对这一情况，民生济南分行持续开展客户走访，根据企业实际情况，在授信闲置期做好结算、员工信 用卡、消费贷款等综合金融服务，持续跟进了解客户的各类金融需求。一季度，该企业因为一笔收购业 务占用了大量资金，出现了临时性资金紧张。该行迅速响应，第一时间为客户定制综合金融服务方案， 并结合其在人民银行科技金融再贷款名单内的优势，设计利率优惠融资方案，帮助客户降低融资成本。 截至目前，该行已为企业成功发放贷款2500万元，新增保函业务350万元，为企业拓展自身业务提供助 力，同时也为该企业多家子公司开立了结算账户，便利了企业资金调拨和支付，实现从"单一授 信"到"综合金融服务"的突破。 这一"破局"实践，正是民生济南分行探索场景创新的缩影。该行围绕科技企业经营全场景，打造了一系 列定制化产品与服务：对于企业多银行账户管理难题，该行推出"财资云"平台，免费为企业搭建金融管 家系统；对于商场、物业等经营场景，该行研发了"物管通"产品，大幅降低管理方资金结算人工成 本……从基础的结算、信贷服务，到供应链协同、员工金融，该行将金融服务嵌入企业研发、生产、销 售、并购的每一个关键环节，实现了从"被动服务"到"主动赋能"的转变。 ...

Core Insights - The article emphasizes the importance of financial support for technology-driven enterprises, highlighting the proactive approach of Minsheng Bank Jinan Branch in connecting policies with businesses to facilitate access to financial resources [1][7]. Group 1: Financial Support Mechanisms - Minsheng Bank Jinan Branch has established a direct bridge between policies, banks, and enterprises, enabling technology innovation loans to reach the forefront of innovation [1]. - The bank has responded quickly to the financing needs of leading companies like Shandong PLDB Pharmaceutical Co., providing a customized credit solution of 100 million yuan, significantly lowering the overall financing costs for the company [1]. - As of June, the bank's loan balance for technology enterprises reached 31.067 billion yuan, with an increase of 5.852 billion yuan since the beginning of the year, demonstrating a strong commitment to supporting technological innovation [2]. Group 2: Innovative Service Models - The bank has developed a three-in-one service system combining policy tools, scenario innovation, and dynamic response, shifting from passive service to proactive engagement with technology enterprises [3][7]. - Minsheng Bank Jinan Branch has tailored financial services to meet the comprehensive needs of enterprises, including credit, settlement, and employee financial services, thus enhancing overall financial support [4]. Group 3: Dynamic Demand Response - The bank has implemented a dynamic demand response mechanism to address the urgent and time-sensitive funding needs of technology enterprises, moving from a reactive to a proactive service model [6]. - By establishing a quarterly visit and monthly consultation mechanism, the bank can identify potential financing needs early, ensuring readiness to provide solutions as soon as demands arise [6]. Group 4: Commitment to Innovation - The bank is committed to driving innovation and providing precise services in the technology finance sector, focusing on supporting the real economy and enhancing the quality of financial services [6][7].