自今年7月"交银蕴通万里行"系列活动于沪启动，交通银行以"交银蕴通"品牌为纽带，持续深入全 国重点区域与核心产业集群，致力于打通金融支持实体经济发展的"最后一公里"。 9月2 3日，该系列活动走进湖北武汉，以"蕴力同行 交银链动荆楚"为主题，正式发布了"蕴通 管 账 " 支 付 结 算 服 务 方 案 ， 并 邀 湖 北 省 金 融 办 、 湖 北 省 经 信 厅 、 湖 北 省 国 资 委 ， 以 及 专 家 学 者、百余位企业代表等，共同探讨数字化时代如何更好地服务湖北经济发展，赋能区域企业 转型升级。 蕴通管账："业财融合"再升级 让管账更轻松、从容 针对企业"结算工具杂、对账效率低、资金监管难"痛点，"蕴通管账"通过乐高式灵活组合账 户、支付、清分等功能，为企业提供三大核心服务能力，即智慧便捷的收付结算、精准高效 的对账清分、安全可视的资金监管。同时聚焦四大场景生态——实体经济、民生服务、平台 经济及园区经济，高效响应新经济、新业态下企业定制化、敏捷化的金融需求，切实打通业 财融合的"最后一公里"。 "蕴通管账"，通过整合场景、客户、账户与资金，构建"四位一体"数据驱动型业财一体化管 理体系，为企业精 ...

自今年7月"交银蕴通万里行"系列活动于沪启动，交通银行以"交银蕴通"品牌为纽带，持续深入全国重 点区域与核心产业集群，致力于打通金融支持实体经济发展的"最后一公里"。 针对企业"结算工具杂、对账效率低、资金监管难"痛点，"蕴通管账"通过乐高式灵活组合账户、支付、 清分等功能，为企业提供三大核心服务能力，即智慧便捷的收付结算、精准高效的对账清分、安全可视 的资金监管。同时聚焦四大场景生态——实体经济、民生服务、平台经济及园区经济，高效响应新经 济、新业态下企业定制化、敏捷化的金融需求，切实打通业财融合的"最后一公里"。 "蕴通管账"，通过整合场景、客户、账户与资金，构建"四位一体"数据驱动型业财一体化管理体系，为 企业精细化运营与战略决策提供了坚实有力支撑。同时，也彰显交行正从传统单一的"结算服务提供 者"转型为深入业务场景、赋能生态构建、驱动价值创造的"场景生态赋能者"。 协同共赢：银企合作新范式 让未来更可创、可期 本次活动中，交通银行湖北省分行为15家企业授予"科技领航战略合作伙伴"称号、12家企业授予"蕴通 司库战略合作伙伴"称号。 中金数据集团，国家数据基础设施领域的骨干企业，也是全国第三方算力中心的 ...

创新融资机制：让轻资产企业的"创新力"变身"融资力" 传统信贷模式对有形资产的倚重，让科创企业、小微企业的知识产权、研发投入、商业价值等"软实 力"难以变现。浦发银行武汉分行普惠金融部总经理张若虚表示："科技企业的核心资产是人、技术和专 利，但这些无形资产在以往传统风控体系中难以量化。" 2025年，湖北省推出"知识价值信用贷"和"商业价值信用贷"两项改革工具，浦发银行作为首批试点银行 迅速响应。依托省级平台"鄂融通"和"智慧大脑"，打通科技、税务、知识产权等十余个部门的数据壁 垒，构建企业精准信用画像，形成"数据增信+财政托底"的风控闭环。 数智赋能体验：一站式数智平台让融资像"网购"一样便捷 轻点手机屏幕，输入企业信息，3分钟测出授信额度——在帝舍智能科技（武汉）有限公司，总经理孟 群通过"浦惠来了"App成功申请到880万元"知识价值信用贷"。这家专注智能清洁领域技术研发的企业， 手握700余项全球专利，却曾因缺乏抵押物数次融资受挫。"如今专利就是硬通货，线上申请一周放款， 利率还比传统贷款低。"孟群感叹。 "浦惠来了"App是浦发银行专为中小微企业打造的数智化综合服务平台。该平台集"测额度、提申请、 ...

Group 1 - The core viewpoint of the news is the promotion of the Wuhan Science and Technology Financial Center, which aims to enhance the high-quality development of science and technology finance in Hubei Province by 2027, with specific targets for the growth of innovative enterprises [1][2] - Hubei Province aims to have 60,000 technology-based small and medium-sized enterprises and 40,000 high-tech enterprises by 2027, along with the cultivation of 4,000 new "species" of science and technology enterprises [1][2] - The plan includes a comprehensive approach to nurturing technology innovation entities, creating an investment service platform, and gathering financial resources to support the growth of science and technology enterprises [2][3] Group 2 - The newly introduced plan outlines practical measures to restructure the listing service system for enterprises, covering the entire chain of needs from startup to listing [3] - Hubei has seen 12 technology enterprises listed on the Shanghai and Shenzhen stock exchanges in the past three years, with a significant portion having received equity financing from local private equity funds prior to their listings [3] - The Hubei Securities Regulatory Bureau will continue to promote the core content of the "1+6" reform policies of the Science and Technology Innovation Board, helping local enterprises understand capital market policies and choose appropriate listing paths [3]

Core Viewpoint - Wuhan aims to establish a comprehensive financial support chain covering "basic research - technological breakthroughs - industrial transformation" by 2027, as outlined in the recently released work plan for building the Wuhan Science and Technology Financial Center [1][4]. Group 1: Financial Support Initiatives - The plan includes 25 specific measures to promote the development of the Wuhan Science and Technology Financial Center, with a focus on significant growth in key indicators related to science and technology finance by the end of 2027 [1]. - As of June, the balance of technology loans in Wuhan exceeded 800 billion yuan, reflecting a 12.4% increase since the beginning of the year [2]. - The establishment of four AIC equity investment funds in Wuhan, totaling 3.6 billion yuan, aims to support early-stage investments in hard technology [2]. Group 2: Insurance and Risk Management - The East Lake Technology Insurance Innovation Demonstration Zone has introduced 18 innovative technology insurance products, providing risk coverage for 4,984 technology enterprises, amounting to 442.474 billion yuan [2]. - The introduction of the first "university concept verification insurance" and "drug research and development pilot insurance" fills a gap in risk coverage for early-stage research and development [2]. Group 3: Financial Product Development - The "Wisdom Brain" data platform for science and technology enterprises has onboarded 96 financial institutions, offering 171 technology financial products, including innovative credit products [2]. - A total of over 103.3 billion yuan in loans has been disbursed to more than 10,000 enterprises through various technology credit products [2]. Group 4: Comprehensive Service Platforms - The plan aims to create offline and online comprehensive service platforms for technology finance, enhancing the financial ecosystem in Wuhan [3]. - The initiative includes the establishment of a full-license, multi-type financial institution and intermediary system to provide a complete range of financial services for technology innovation enterprises [3]. Group 5: Support for Technology Enterprises - The plan outlines measures to support technology enterprises in their listing processes, covering all stages from initial creation to public listing [3]. - The goal is to create a financial service system that is accessible, affordable, and secure for enterprises, facilitating their growth from seed to maturity [4].

Core Viewpoint - Chongqing Bank is on track to achieve significant growth and stability, aiming for a key year in 2025 as it approaches the "trillion" asset milestone, with a focus on serving the local economy and enhancing financial services for small and micro enterprises [1][5]. Asset Scale - As of June 30, 2025, the bank's total assets reached 983.37 billion, a 14.79% increase from the previous year, with loans exceeding 500 billion and deposits totaling 544.14 billion, also up by 14.77% [2][5]. - The bank's asset quality remains robust, with a non-performing loan ratio of 1.17%, down by 0.08 percentage points from the end of the previous year [2][3]. Profitability - The bank reported operating income of 7.66 billion, a year-on-year increase of 7.00%, and a net profit attributable to shareholders of 3.19 billion, up 5.39% from the previous year, marking the best growth rates in three years [2][3]. - Interest income grew by 12.22% to 5.86 billion, benefiting from the expansion of interest-earning assets and effective control of funding costs [2]. Risk Control - The bank has enhanced its comprehensive risk management system, with a focus on credit risk prevention, resulting in improved risk coverage with a provision coverage ratio of 248.27% [2][3]. - The proportion of loans under special attention decreased to 2.05%, indicating effective risk management practices [2]. Manufacturing Sector Focus - The bank's loans to the manufacturing sector reached 36.63 billion, a 16.86% increase from the previous year, with a non-performing loan ratio of 1.99%, reflecting a stable quality in loan growth [3][4]. - Initiatives such as the "Manufacturing Industry Action Plan" and support for high-quality development of the private economy have been implemented to ensure effective financial services [3]. Financial Innovation - The bank has developed a financial service system tailored to the entire lifecycle of technology enterprises, with technology loans growing over 40% [4]. - Green finance initiatives have led to a green loan portfolio exceeding 75 billion, with an annual growth rate of over 30% [4]. Regional Development Contribution - The bank has actively supported the Chengdu-Chongqing economic circle, injecting nearly 140 billion in credit to major projects, including transportation and digital economy initiatives [5]. - The bank's financing for the Western Land-Sea New Corridor has surpassed 47 billion, showcasing its commitment to regional infrastructure development [5]. Retail Business Innovation - The bank has introduced innovative consumer finance products, such as the "Jie e Loan," which has grown by 35% since the beginning of the year, enhancing consumer financing options [6]. - The bank aims to continuously improve its service quality and contribute to the high-quality development of the real economy as it approaches its "trillion" asset goal [6].

Core Viewpoint - Hubei Province is focusing on high-quality planning for the "15th Five-Year Plan" in technology innovation, aiming to establish itself as a significant strategic support for the rise of the central region of China through enhanced technological capabilities [1] Group 1: Achievements in Technology Innovation - During the "14th Five-Year Plan," Hubei's technology innovation has significantly contributed to high-quality economic and social development, with a notable increase in innovation capabilities [2] - Hubei's ranking in global technology clusters improved from 29th in 2020 to 13th, while its research city ranking rose from 13th to 9th [2] - The number of high-tech enterprises in Hubei increased from 10,404 at the end of the "13th Five-Year Plan" to nearly 30,000, nearly doubling [4] Group 2: Systematic Restructuring of Technological Forces - Hubei achieved a breakthrough with the establishment of national laboratories, reaching a total of 8 "national key laboratories" and 45 national key laboratories after optimization, ranking 4th in the country [3] - The number of new research institutions reached 545, covering all cities and counties in Hubei [3] - The total research and development expenditure increased from 1,005.28 billion to 1,408.17 billion, a growth of 40.08% [4] Group 3: Integration of Technological and Industrial Innovation - The total value of technology contracts increased from 168.7 billion to 550 billion, ranking third in the country [4] - The core industry value added of the digital economy rose from 240.2 billion to 574.3 billion, a growth of 139% [4] - The number of national-level specialized and innovative "little giant" enterprises reached 722, ranking 7th nationwide [5][6] Group 4: Building an Innovation Network - Hubei has established 12 provincial manufacturing innovation centers, with 2 upgraded to national level [7] - The province has initiated a technology innovation special loan program, with over 2,300 enterprises included in the "white list" and loans exceeding 14 billion issued [7] - A total of 1,476 technology talents have been dispatched to assist enterprises in solving technical problems, resulting in 2,789 technology achievements being transformed [7]

Core Insights - The article highlights the transformative impact of inclusive finance in Hubei, particularly through innovative loan products that address the financing challenges faced by small and micro enterprises, farmers, and technology companies [2][3][4][5]. Group 1: Challenges in Inclusive Finance - Hubei Bank faces common industry challenges such as scattered credit data, lack of collateral, and high operational and risk control costs, which hinder access to financial services for small business owners [3]. - Long-standing issues like inefficient capital allocation and limited financing channels have been significant barriers to the growth of private enterprises in Hubei [4]. - The reliance on traditional collateral requirements restricts financing for asset-light market participants, leading to difficulties for agricultural and technology enterprises in securing loans [4][5]. Group 2: Innovative Solutions - Hubei Bank has developed a product system aimed at addressing the financing difficulties of technology companies, small and medium enterprises, and farmers by leveraging credit value instead of traditional collateral [6][7]. - The bank introduced three types of credit value loans in 2025: Knowledge Value Credit Loan, Commercial Value Credit Loan, and Two-Farmer Credit Value Loan, allowing businesses to access loans without collateral [6][7]. - The Knowledge Value Credit Loan enables up to 10 million yuan in credit for technology companies based on innovation metrics, while the Commercial Value Credit Loan quantifies soft strengths like tax records and market reputation for small businesses [6][7]. Group 3: Service Accessibility and Efficiency - Hubei Bank has expanded its service network to ensure financial services reach rural areas, with 254 branches covering all cities and counties, and mobile financial service stations bringing services directly to farmers [8]. - The bank has implemented a full lifecycle service system that caters to businesses at different growth stages, offering tailored products from startup loans to larger financing options [9]. - The introduction of the "301" online quick loan model allows for a streamlined application process, significantly improving approval efficiency and reducing the need for collateral [10]. Group 4: Collaborative Ecosystem - Hubei Bank has established a collaborative ecosystem involving government and enterprises to share risks and enhance the effectiveness of inclusive finance initiatives [11]. - The bank's "One County, One Product" strategy aligns financial services with local industry needs, exemplified by tailored loan products for specific agricultural sectors [11][12]. - Future plans include expanding the bank's technological capabilities and product offerings to ensure comprehensive coverage of regional industries and enhance the effectiveness of inclusive finance [12].

Core Insights - The article highlights the proactive measures taken by Xuan'en County to support small and micro enterprises through tailored financial services and credit loans, significantly boosting local economic development [1][2][3][4] Group 1: Financial Support Initiatives - Xuan'en County has implemented a "Small and Micro Enterprise Financing Coordination Mechanism," conducting extensive outreach to understand the financing needs of local businesses, resulting in a "申报清单" and "推荐清单" for targeted support [2] - Financial institutions in the county have issued loans totaling 21.83 billion yuan, with 1.36 billion yuan allocated to 189 small enterprises as first-time loans [2][3] - The average loan processing time for small and micro enterprises has been reduced from 7 working days to 3, enhancing accessibility to credit [3] Group 2: Economic Impact - In the first half of the year, Xuan'en County's financial institutions provided 15.09 billion yuan in new loans, exceeding the annual target by 17% and marking a historical high [1] - The county saw a 47% year-on-year increase in new business entities, with 3,164 new operating units established [1] - The tourism sector has significantly contributed to the local economy, with nearly 10 million visitors and a 45.16% increase in tourism revenue, leading to a doubling of household deposits [4] Group 3: Innovative Financial Products - Banks have developed nearly 20 new financial products aimed at small and micro enterprises, including various credit loans that do not require collateral [3] - The introduction of personal credit value loans and rural asset value loans has successfully disbursed 24.45 million yuan, demonstrating effective financial innovation [3] - The establishment of a "Financial + Industry + Tourism" ecosystem has supported key projects, with 19.08 billion yuan in credit granted for 10 major county projects [3]

Core Insights - The article highlights the significant role of Hubei Bank in supporting local economic development through various financial services and products tailored to meet the needs of different sectors and communities [1][2][4][9]. Group 1: Financial Services and Innovations - Hubei Bank has implemented a "total branch three-level linkage" service model, enabling rapid loan processing, exemplified by a national enterprise that received a loan in just 20 days [2]. - The bank has introduced innovative financial products such as the "Science and Technology Credit Loan" and "Knowledge Value Credit Loan," providing substantial funding to high-tech enterprises [2][4]. - As of June 2025, Hubei Bank's loan balance exceeded 370 billion yuan, with green finance loans increasing by 7.2 billion yuan (18% growth), technology enterprise loans by 10.5 billion yuan (52% growth), and inclusive loans by 6.8 billion yuan (15% growth) [4]. Group 2: Community Engagement and Support - Hubei Bank has established over 250 "Love Stations" across its branches to provide cooling services and support for outdoor workers during extreme heat [5][6]. - The bank has launched initiatives like "Silver Hair Service Package" to cater to the elderly, including financial education and assistance in local dialects [6]. - The bank's commitment to rural revitalization is evident through its deployment of 64 village work teams, which have facilitated nearly 110 million yuan in direct support and mobilized over 300 million yuan in social funding [9][11]. Group 3: Economic Impact and Recognition - Hubei Bank's financial support has significantly contributed to local agricultural development, with loans to farmers increasing by 7.8 billion yuan (21% growth) as of June 2025 [11]. - The bank has been recognized by provincial and municipal governments for its outstanding contributions to economic development, reflecting its commitment to community service and financial inclusion [11].