2025年12月5日，摩尔线程智能科技（北京）股份有限公司（以下简称"摩尔线程"）正式登陆资本 市场（上海证券交易所科创板），这家被称为"国产算力之光"的企业，受到市场广泛关注，股价一路飙 红，盘中最高涨幅触及500%。 在敲钟仪式的现场，与兴奋的创始团队、投资人一同欢呼的还有一家银行机构——中国邮政储蓄银 行（以下简称"邮储银行"）。作为一路走来的伙伴，邮储银行不仅见证了摩尔线程成功IPO，这背后更 是一场关于"硬核科技"与"精准金融"的共赢故事。 今年的中央经济工作会议提出"坚持创新驱动，加紧培育壮大新动能"，并强调"创新科技金融服 务"。那么，金融支持科技创新需要怎样的远见？ 邮储银行以金融创新赋能科技创新，以更大力度、更实举措进一步做好科技企业金融服务。近年 来，该行牢牢把握创新驱动发展战略核心要义，锚定科技金融生力军定位，以金融创新破解科技企业发 展瓶颈，以全链条服务覆盖产业发展需求，在知识产权赋能、人工智能布局、产业链协同、制造业升级 等关键领域持续发力，为科技创新注入源源不断的金融活水，书写了金融与科技双向奔赴、共生共荣的 时代篇章。 破局"知产"变"资产" 以"技术流"评价体系激活创新动能 " ...

Core Insights - The article highlights the successful financing of YuHuan Weis Electric Co., Ltd. through a tailored mortgage loan of 38 million yuan from Postal Savings Bank, which has significantly boosted the company's production capacity and R&D investment [1][2]. Group 1: Company Overview - YuHuan Weis Electric is a high-tech enterprise specializing in power electronic components, holding 13 practical invention patents [2]. - The company’s main product, new energy electric vehicle charging piles, has become integral to local communities, supporting green transportation and smart community development [2]. Group 2: Financial Support and Impact - The company faced challenges in expanding production and R&D due to its "light asset, heavy technology" model, which made traditional financing difficult [2]. - Postal Savings Bank's "Party Building + Sci-tech Finance" model enabled the bank to recognize the company's core technology and patent value, leading to a swift approval of the loan [2][3]. - The loan allowed YuHuan Weis Electric to quickly enhance production capacity, alleviate order delivery pressure, and improve product competitiveness through accelerated R&D [3]. Group 3: Bank's Financial Strategy - Postal Savings Bank has developed innovative financial products and services to support tech enterprises, including Sci-tech credit loans and green project financing, breaking traditional collateral restrictions [3]. - In 2023, the bank provided comprehensive financial services to 1,063 tech enterprises, issuing loans totaling 7.156 billion yuan, which accounted for 46.86% of the bank's small enterprise loan disbursements [3]. Group 4: Future Plans - The bank plans to continue enhancing its sci-tech financial service system, focusing on channeling financial resources into technology innovation to support regional economic transformation towards green and intelligent development [4].

在推动高质量发展的时代浪潮中，县域经济作为区域发展的重要基石，其活力与韧性直接影响着经济社 会发展的整体格局。近年来，邮储银行江西省分行始终坚守服务实体经济的初心，聚焦县域重点领域和 特色产业，将金融资源精准滴灌至县域经济发展的关键领域，通过创新服务模式、优化信贷结构、深化 产业融合，在信贷滴灌、服务下沉、普惠纾困、科技赋能等多维度发力，为赣鄱大地的县域经济注入了 源源不断的金融活水。截至2025年11月末，邮储银行江西省分行涉农贷款余额近1065亿元，普惠型小微 企业贷款余额超785亿元，用实实在在的金融成果织密民生保障网。 县域经济的核心竞争力往往源于其独特的资源禀赋与产业基础。邮储银行江西省分行深入践行"一产业 一方案"的定制化金融服务理念，针对省内各地特色农业产业布局，量身打造专属金融产品方案。该行 紧密围绕江西省政府重点打造的稻米、油料、果蔬、畜牧、水产五个千亿级主导产业链，以及茶叶、中 药材两个百亿级特色产业链，开展深入调研，精准对接需求。 走进江西国都中药饮片公司（以下简称：国都中药）的现代化车间，打开了一行人对中药材产业的视 野，从古法炮制到精密控温的浸润、切制、干燥环节，传统炮制精髓与现代科 ...

Core Insights - Financial empowerment is driving industrial upgrades in Meizhou, Guangdong, with banks providing tailored financial solutions to support technology-driven enterprises [1][2][3] Group 1: Company Developments - Guangdong Jinyan Electric Co., Ltd. has become a leader in the electromagnetic wire industry, focusing on core products for sectors like new energy vehicles and drones [1] - The company is expanding its production capacity by establishing a new base for fine electromagnetic wire, addressing the domestic supply gap in high-end products [1] - Longyu New Materials Co., Ltd. has received a customized financing solution from Postal Savings Bank, enabling it to achieve a production value exceeding 1 billion yuan in 2024 [2] Group 2: Financial Institutions' Role - Postal Savings Bank has provided over 1.1 billion yuan in loans to technology enterprises in Meizhou, utilizing a "technology flow" evaluation system to convert intellectual property into credit metrics [2] - Agricultural Bank's "Technology e-loan" has effectively alleviated funding pressures for companies like Hongyu Circuit Board Co., Ltd., which faced financial strain due to increased orders [2][3] - By the end of September, Agricultural Bank's manufacturing loan balance exceeded 7 billion yuan, reflecting a nearly 1 billion yuan increase since the beginning of the year [3]

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Hezhou Branch is focusing on technology finance as a key engine to support the high-quality development of the local economy in Hezhou, Guangxi [1][2] Group 1: Financial Support for Technology Enterprises - ICBC Hezhou Branch has increased resource investment to meet the financial needs of technology enterprises throughout their lifecycle, resulting in a loan balance of 470 million yuan for technology enterprises by the end of October 2025, a 16.34% increase from the beginning of the year, significantly outpacing the average loan growth of the bank [1] - The branch has established a special service mechanism to ensure effective resource allocation and strategic implementation for technology finance [1] Group 2: Tailored Financial Solutions - The bank provides differentiated solutions for various types and stages of technology enterprises, including customized financing support such as "Technology Innovation Loan" and "Industrial e-Loan" for specialized enterprises, and promotes intellectual property pledge financing for high-tech enterprises [1][2] - For startups and growing technology SMEs, the bank utilizes online credit products like "Business Quick Loan" and "Tax Loan" to address the challenges of first-time loans [1][2] Group 3: Innovative Financial Products - To overcome the common challenges faced by technology enterprises, such as "light assets and lack of collateral," ICBC Hezhou Branch has promoted exclusive innovative products like "Technology Credit Loan" and "Intellectual Property Pledge Financing," with nearly 20 million yuan in intellectual property pledge financing loans issued by the end of October [2] - The branch has expanded its service offerings beyond traditional credit to include a comprehensive range of services such as settlement, cash management, international business, payroll services, and personal finance [2] Group 4: Efficiency and Engagement - The bank has established a "green channel" for credit to technology enterprises, implementing a "three priorities" principle (priority acceptance, approval, and disbursement) to streamline processes and accelerate approvals [2] - Through various bank-enterprise connection activities, the branch promotes policies, listens to needs, and provides customized solutions to enhance operational efficiency for enterprises [2]

Core Insights - The news highlights the significant role of Postal Savings Bank in supporting the cultural and tourism industry through targeted financial services, which has led to the enhancement of various tourist attractions and the overall industry transformation [1][2][3][4]. Group 1: Financial Support for Cultural and Tourism Projects - In Shandong Qufu, the "Nishan Sacred Site" has attracted many visitors due to unique educational projects, supported by over 800 million yuan in loans from Postal Savings Bank [1]. - In Guizhou Bijie, the renovation of the Zhi Jin Cave scenic area, funded by 30 million yuan from Postal Savings Bank, has significantly improved visitor reception capacity [1]. - As of the end of October this year, the wholesale loan scale directed towards the cultural and tourism sector by Postal Savings Bank has increased by 38% compared to the end of last year [1]. Group 2: Addressing Funding Challenges for Businesses - In Xi'an, a local inn operator received a 1 million yuan credit loan within three days, enabling significant upgrades and increased summer revenue [2]. - Postal Savings Bank has issued nearly 10 million yuan in loans to 20 local inn businesses in Xi'an, effectively addressing their funding shortages [2]. - Various regions, including Fujian and Yunnan, have seen the introduction of specialized loan products to support the local hospitality industry, enhancing financial backing for the integration of culture and tourism [2]. Group 3: Upgrading Major Projects and Diversifying Tourism Offerings - In Guangdong Shaoguan, Postal Savings Bank provided a loan of 190 million yuan to support the upgrade of tourist facilities, enhancing the overall visitor experience [3]. - In Tibet Lhasa, a strategic partnership was formed to promote a large-scale cultural performance, showcasing the integration of culture and tourism [3]. - The bank's financial support has evolved from aiding small businesses to participating in significant cultural tourism projects, thereby improving management efficiency and consumer experience [3]. Group 4: Innovative Financial Services and Future Directions - In Dali, Yunnan, artisans have expanded their workshops with the help of Postal Savings Bank, which also supports local traditional enterprises with innovative credit products [4]. - The bank has launched a comprehensive management platform for tourism services in Guangdong, integrating various aspects of the visitor experience [4]. - Postal Savings Bank aims to continue its deep integration of finance and tourism, contributing to rural revitalization and regional economic development [4].

Core Insights - The article highlights the successful collaboration between Yuhuan Weisi Electric Co., Ltd. and Postal Savings Bank of China Taizhou Branch, showcasing how tailored financial solutions can address the challenges faced by innovative enterprises in expanding their operations and investing in technology [1][4]. Group 1: Company Overview - Yuhuan Weisi Electric is a high-tech enterprise specializing in power electronic components, holding 13 practical invention patents [3]. - The company’s main product, electric vehicle charging stations, has gained traction in local communities, contributing to green transportation and smart community development [3]. Group 2: Financial Support and Impact - Postal Savings Bank of China Taizhou Branch provided a customized mortgage loan of 38 million yuan to Yuhuan Weisi Electric, facilitating the company's urgent need for capacity expansion and technological investment [1][4]. - The bank's "Party Building + Sci-tech Finance" model effectively addresses financing difficulties for local innovative enterprises, enhancing their growth potential [1][5]. Group 3: Financial Strategy and Results - The bank's service team conducted thorough due diligence, recognizing the company's core technology and patent value, which led to a streamlined loan approval process [4]. - Following the loan disbursement, Yuhuan Weisi Electric rapidly increased production capacity and invested in the development of next-generation charging stations, improving both production efficiency and product quality [4][5]. Group 4: Broader Financial Initiatives - The bank has been actively developing financial products tailored for innovative enterprises, such as Sci-tech Credit Loans and green project financing, to alleviate traditional collateral constraints [5]. - By 2025, the bank aims to provide comprehensive financial services to 1,063 technology enterprises, with a total loan issuance of 7.156 billion yuan, representing 46.86% of the bank's small enterprise loan portfolio [5]. Group 5: Future Directions - The bank plans to continue enhancing its financial support for green industries and innovative enterprises, aiming to introduce more flexible financing solutions and efficient services [6].

Group 1 - The company faces high R&D costs and significant funding requirements, especially after obtaining the "specialized, refined, characteristic, and innovative" enterprise qualification, necessitating working capital for technological upgrades [1] - Postal Savings Bank of China, Yunnan Branch, has tailored a pure credit financing solution for the company, providing a total of 13 million yuan in credit loans to address urgent funding needs [1] - Specialized and innovative enterprises are often technology-based SMEs that lack traditional collateral but exhibit good growth potential [1] Group 2 - Yunnan Lidar Biotechnology Co., Ltd. is a high-tech enterprise in Yunnan Province that urgently needs funding support for new business development as its industrial scale expands [2] - Postal Savings Bank of China, Yunnan Branch, has issued a technology credit loan of 30 million yuan to the company to alleviate immediate financial pressures [2] - In the first ten months of 2025, Postal Savings Bank of China, Yunnan Branch, has added 732 million yuan in loans to technology-based enterprises, supporting industrial upgrades [2]

Core Insights - The "Honghu lotus root" brand has gained recognition, with the industry achieving a comprehensive output value of 9 billion yuan in 2024, supported by 220,000 acres of cultivation and an annual production of nearly 300,000 tons [1] - Postal Savings Bank of China is actively supporting the Honghu lotus root industry through various financial products, enhancing the entire industry chain from production to e-commerce [1] Group 1: Industry Overview - The lotus root industry in Honghu City has a long-standing cultivation area of 220,000 acres and an annual output of nearly 300,000 tons, with a projected comprehensive output value of 9 billion yuan in 2024 [1] - The "Honghu lotus root" has been recognized as a national geographical indication product and included in the Ministry of Agriculture and Rural Affairs' premium agricultural brand cultivation plan [1] Group 2: Financial Support and Impact - The "Industry Loan" program has significantly aided local entrepreneurs like Hong Xiaojun, who expanded his lotus root farming from 400 acres to 10,000 acres, achieving an annual output value exceeding 100 million yuan [2] - The "Speedy Loan" product has enabled businesses like Hong Bin Lotus Industry to modernize their production lines, increasing efficiency and revenue, with a notable example being a 36 million yuan loan that facilitated the activation of an intelligent sorting line [3] - The "Innovation Credit Loan" has empowered companies like Hubei Huagui Food Co. to undergo digital transformation, with an 8 million yuan loan facilitating the integration of IoT monitoring, blockchain traceability, and big data analytics across the entire industry chain [4] - As of August 2025, Postal Savings Bank has disbursed a total of 783 million yuan in loans to the lotus root industry, demonstrating a commitment to supporting the sector's growth through tailored financial services [4]

Core Insights - Postal Savings Bank of China in Longchuan County is leveraging financial innovation to address the financing challenges in agriculture, thereby stimulating local economic development [1][3] Group 1: Agricultural Financing Innovations - The bank has developed a unique assessment model for oil tea plantations, allowing for a credit limit of 4 million yuan for a company based on the potential yield and market conditions [2] - The bank's support has enabled the expansion of oil tea plantations from 2,000 acres to 5,000 acres, resulting in a 50% annual increase in online sales of derived products [2][3] - By September 2025, the bank has provided over 120 million yuan in credit to 20 oil tea enterprises and 26 cooperatives, supporting an annual output value exceeding 1 billion yuan [2][3] Group 2: Support for Technological Innovation - The bank's "Science and Technology Credit Loan" has facilitated a company in the high-end equipment manufacturing sector to secure a 50 million yuan credit line, enabling significant advancements in production capacity and patent development [4][5] - The company’s production capacity increased from 8,000 tons to 12,000 tons, and product quality improved significantly after receiving the loan [5] Group 3: Assistance for Small and Micro Enterprises - The bank has implemented a rapid approval process for small and micro enterprises, reducing loan approval times from 15 days to 7 days, which has been crucial for companies needing to capitalize on market opportunities [6][7] - By September 2025, the bank has provided over 230 million yuan in credit to 26 small and micro enterprises, contributing to a 25% increase in their survival rates and creating over 3,000 jobs [7] Group 4: Overall Impact on Local Economy - The bank's approach emphasizes becoming a growth partner for enterprises and a supportive entity for farmers, thereby enhancing the overall quality of economic development in the region [7]