在2025年"数据要素×"大赛安徽分赛决赛中，安徽清新互联信息科技有限公司（以下简称"清新互联"） 自主研发的"分布式光伏数据运营平台"，凭借创新价值与应用成效，从100余个参赛项目中脱颖而出， 获得工业制造赛道优秀奖。 清新互联专注于为能源领域提供基于智慧视觉与物联网技术的软硬一体化解决方案。2014年7月成立以 来，公司年销售收入已从最初的近500万元增长至2024年的超1亿元。"我们能有今天的发展，离不开徽 商银行的一路相伴。"清新互联总经理尼秀明说。 "由于轻资产、缺乏抵押物，科创企业在创办之初都会面临融资难的问题，我们也不例外。"尼秀明回 忆。当时，徽商银行主动找上门，利用政策性贷款品种青创贷及创新贷，为公司提供了150万元的资金 支持，解了燃眉之急。 "随着公司快速发展，资金需求也逐步提升，徽商银行则依托'贷投批量联动'服务机制，持续为我们提 供支持，对我们的授信额度已从2015年的150万元提升至2023年的1000万元。"尼秀明说。 徽商银行对清新互联的金融助力，有效突破了企业因研发投入与市场推广形成的资金瓶颈，使其在技术 转化、市场拓展等方面获得支持。 深化园区金融服务。2025年以来，围绕 ...

Core Insights - The integration of finance and traditional Chinese medicine (TCM) in Bozhou is creating new opportunities for rural revitalization and industry growth [1][2][4] Group 1: Financial Support Initiatives - The People's Bank of China and seven departments launched a plan to support the development of TCM industries, aiming to enhance the financial backing for local agricultural products [1][2] - As of August, the "Rural Industry Revitalization Joint Development Plan" has signed 243 long-term strategic cooperation agreements, with a total credit of 1.49 billion yuan and loans issued amounting to 1.24 billion yuan [2] - The establishment of a 1 billion yuan special loan quota for "one city, one product" initiatives is designed to deepen the integration of financial resources with the TCM industry [2][4] Group 2: Agricultural Development and Financing - The Bozhou Agricultural Commercial Bank provided a 700,000 yuan loan to a local cooperative, enabling the expansion of medicinal herb cultivation [3] - Financial support has also been extended to upstream and downstream partners, providing 3.5 million yuan in working capital to enhance production capabilities [3][4] - A comprehensive financial service system covering the entire TCM industry chain has been established, improving credit accessibility for industry participants [4] Group 3: Innovative Financial Products - Various specialized financial products have been developed to support different stages of the TCM supply chain, including loans for seedling breeding and market financing [4][5] - The "Traditional Chinese Medicine Business Loan" was tailored for local merchants, addressing their urgent financing needs with favorable terms [4][6] Group 4: Infrastructure and Digital Finance - The establishment of a digital inclusive finance research institute aims to enhance the financing system for TCM supply chains, integrating financial services with smart warehousing [5][6] - A logistics park has received 690 million yuan in credit support, facilitating the financial activation of medicinal herb inventories [6] Group 5: Health and Wellness Integration - Bozhou is expanding into new sectors such as health and wellness tourism, with significant financial backing for projects that integrate TCM with tourism [7][8] - A 420 million yuan loan was provided for the development of a TCM wellness and tourism project, showcasing the market potential of TCM resources [8]

Core Viewpoint - Huishang Bank has demonstrated a high-quality development performance in the first half of 2025, achieving growth in both revenue and net profit while maintaining a leading position among city commercial banks [1][2]. Financial Performance - In the first half of 2025, Huishang Bank reported operating income of 21.157 billion yuan, a year-on-year increase of 2.25%, and net profit of 9.328 billion yuan, up 3.81% [1]. - The total assets reached 2,251.854 billion yuan, growing by 11.82% from the beginning of the year, while total liabilities increased by 12.59% to 2,085.296 billion yuan [2]. - Customer loans and advances totaled 1,100.533 billion yuan, a growth of 9.82%, and customer deposits reached 1,252.004 billion yuan, up 9.92% [2]. Asset Quality - As of June 2025, the non-performing loan ratio was 0.98%, a decrease of 0.16 percentage points year-on-year, marking three consecutive years of decline [3]. - The non-performing loan provision coverage ratio improved to 289.94%, an increase of 17.43 percentage points year-on-year, indicating enhanced risk mitigation capabilities [3]. Business Innovation and Service Enhancement - Huishang Bank has focused on transforming corporate business and enhancing service capabilities, with investment banking and transaction banking becoming key growth drivers [4]. - The bank's cash management business saw a transaction volume of 3.87 trillion yuan, with 16,881 signed clients, reflecting a growth of 10.05% [4]. - In foreign trade finance, the bank processed a cross-border settlement volume of 8.870 billion USD, up 47.82% year-on-year, and cross-border RMB settlements reached 9.555 billion yuan, growing by 18.73% [4]. Digital Transformation and Risk Control - The bank is advancing its digital transformation strategy, enhancing personal financial services and increasing the number of personal clients to over 21 million [6]. - A comprehensive digital risk control system has been established, utilizing big data and AI to improve risk identification and management [9]. Future Outlook - Huishang Bank aims to solidify its growth engine by expanding its quality customer base and enhancing refined management practices to support the development of Anhui province [10].