莱州市某食品股份有限公司是一家集多种食品深加工于一体的科技型企业，近期因加大研发投入、布局 新产品研发，出现阶段性资金缺口。恒丰银行莱州支行认真落实"千企万户大走访"工作部署，组建专项 服务团队，多次深入企业实地调研，全面掌握研发进度、技术优势及资金需求特点，量身定制金融服务 方案，通过"科技成果转化贷"特色产品为企业投放1000万元资金，精准填补研发投入、技术改造及市场 拓展等关键环节的资金缺口。截至11月末，恒丰银行莱州支行为辖区科技型企业发放信贷资金超1.4亿 元，为企业研发创新提供坚实金融支撑。 借助风险共担机制，护航企业成长"稳进提质" 莱州市某机械科技企业主营通用设备零部件加工，拥有2项实用新型专利，具备扎实的技术基础，但受 区位因素影响，运营成本攀升，出现300万元流动资金缺口。烟台银行莱州支行以支持小微企业融资协 调工作机制为依托，严格落实"一户一策"精准服务要求，积极联动政府部门搭建风险共担平台，引入省 市两级风险补偿资金，为企业成功发放300万元贷款，既高效破解企业融资难题，又筑牢金融机构信贷 安全防线，充分彰显科技金融服务"精准滴灌"与"风险可控"的双重成效。 下一步，莱州金融监管支局将 ...

搭建特色场景,延伸服务触角。该行深耕"圈、链、群"特色场景,不断丰富客群维度。积极探索业务创新, 以核心企业授信为基础,通过应收账款质押形式,为集团客户上游供应商叙做贷款业务,有效拓宽小微市场 主体金融服务覆盖面,提高信贷可得性。结合县域特色,创新推出"金乡大蒜贷"服务方案,助力"三农"发 展。 下一步,该行将以更有力、更暖心的服务举措,为小微市场主体发展赋能,为当地实体经济高质量发展持续 贡献中行力量。(通讯员 孟玉) 创新特色业务,丰富产品维度。今年以来,该行持续丰富产品维度,拓宽服务广度,依托新产品精准匹配企业 融资需求,相继实现"房信增额贷"、对公"退役军人创业担保贷""脱核链贷"等多笔贷款全省系统内首笔落 地济宁,有效拓宽企业融资渠道,为特色客群打通融资梗阻。 聚焦科技创新,提升服务质效。该行持续加大科技金融投入,助力发展新质生产力,为科创小微企业保驾护 航；相继实现对公"中银科创算力贷"、对私"科企快贷"个人经营贷款全省首笔投放,为企业科技创新引 擎加足"金融马力"。为处于不同发展阶段的科创企业"量体裁衣",提供全链条、全生命周期金融服务,坚 持做好科技金融大文章。 中国银行济宁分行聚焦小微重点领 ...

Core Viewpoint - Chongqing Bank has made significant progress in its operations and financial performance in 2025, achieving a total asset milestone of 1 trillion yuan and positioning itself as a leading city commercial bank in China [3][5]. Group 1: Financial Performance Highlights - As of July, the total assets of Chongqing Bank reached 1,008.7 billion yuan, marking it as the first city commercial bank in China to exceed this threshold [5]. - The bank's deposits and loans exceeded 540 billion yuan and 500 billion yuan, respectively, with year-to-date growth rates of 14.8% and 13.6% [5]. - The bank reported a revenue of nearly 7.7 billion yuan, net interest income exceeding 5.8 billion yuan, and a net profit close to 3.4 billion yuan, reflecting year-on-year growth of 7%, 12.2%, and 5.7% respectively [5]. Group 2: Strategic Initiatives and Market Position - The bank has actively supported national strategies such as the Chengdu-Chongqing Economic Circle and the Western Land-Sea New Corridor, providing nearly 140 billion yuan in credit support for regional projects [6][11]. - Chongqing Bank's loan growth in the first half of the year was 60 billion yuan, leading the financial institutions in Chongqing with a market share of 5.22%, an increase of 0.54 percentage points [5]. - The bank has implemented over 30 measures to support high-quality development in manufacturing and private sectors, with manufacturing loans growing by 26% year-on-year [6][12]. Group 3: Risk Management and Operational Efficiency - The bank's non-performing loan ratio stood at 1.17%, with a coverage ratio of 248.3%, indicating improved asset quality [5][19]. - The bank has enhanced its risk management framework, introducing new customer rating models and improving risk identification and disposal capabilities [19]. - The bank's net interest margin increased by 4 basis points to 1.39%, supported by effective asset-liability management [8][19]. Group 4: Innovation and Digital Transformation - Chongqing Bank has focused on digital innovation, enhancing its digital credit products and achieving a 35% increase in its digital loan offerings [8][14]. - The bank has developed a data-driven service system, improving customer acquisition efficiency by 28% and tripling the efficiency of its authorization review process [9][14]. - The bank has also launched new financial products, including green loans and specialized credit products for small and micro enterprises, contributing to a 99 billion yuan increase in inclusive loans [12][14].

Core Viewpoint - Chongqing Bank has introduced a new "Five High" strategic positioning to adapt to significant external changes in 2024, focusing on high goals, high positioning, high efficiency, high-quality service, and high-quality development [1][2][6]. Group 1: Financial Performance - In Q1 2025, Chongqing Bank reported operating income of 3.581 billion yuan, a year-on-year increase of 5.30%, and net profit of 1.707 billion yuan, up 5.43% [1]. - By the end of Q1 2025, total assets reached 931.699 billion yuan, marking a significant milestone towards the trillion-yuan mark [1][6]. - For the full year 2024, the bank achieved operating income of 13.679 billion yuan, a growth of 3.54%, and net profit of 5.521 billion yuan, increasing by 5.59% [6]. Group 2: Asset Quality - By the end of 2024, the bank's non-performing loan ratio reached its lowest level since its A-share listing, 0.51 percentage points lower than the average for national city commercial banks [7]. - The non-performing loan ratio further decreased by 0.04 percentage points by the end of Q1 2025 compared to the end of the previous year [7]. Group 3: Strategic Initiatives - The "Five High" strategy includes high goal orientation, high positioning transformation, high efficiency operations, high-quality services, and high-quality development [2][3][4][5][6]. - The bank aims to enhance its comprehensive financial service capabilities by focusing on major regional development strategies, such as the Chengdu-Chongqing economic circle and the Western Land-Sea New Corridor [1][6]. - Chongqing Bank plans to support the Chengdu-Chongqing area with over 150 billion yuan in credit throughout 2024, an increase of nearly 40 billion yuan from the previous year [8][9]. Group 4: Digital and Green Finance - The bank is leveraging digital finance to integrate into national digital economy initiatives, with significant growth in technology, green, and inclusive loans, achieving respective growth rates of 32%, 40%, and 22% [10][11]. - Chongqing Bank has developed an ESG rating system and launched the first "Industrial Green Effect Loan" in the central and western regions [11]. - The bank has also created a digital credit decision-making platform to support various inclusive financial products, enhancing accessibility for older clients [11]. Group 5: Future Outlook - By the end of 2025, Chongqing Bank aims to achieve a total asset scale of one trillion yuan while improving both business scale and asset quality [12].