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交行四川省分行助力西部金融中心建设
Si Chuan Ri Bao· 2025-08-25 22:20
贴近市场,累计拜访企业超40次,通过"主任-行长面对面"等机制,真诚倾听需求,共同探索"管 委会+银行"园区服务新模式,谱写出一曲金融与产业深度交融的和谐乐章。潮平岸阔催人进,风 正扬帆正当时。交行四川省分行相关负责人表示,接下来将继续以开放包容的姿态、坚守初心的 定力、持续创新的勇气,在服务西部金融中心建设的征程中贡献交行智慧、展现交行担当,为推 动成渝地区双城经济圈建设贡献力量。 □卢文潮涌成渝,万象更新。在国家战略引领下,成渝地区双城经济圈建设走深走实。作为金 融"国家队"的重要成员,交通银行股份有限公司四川省分行(以下简称交行四川省分行)以时不 我待的使命感,将支持西部金融中心建设作为高质量发展的战略支点,以金融之笔在这片孕育无 限生机的热土上描绘出一幅发展新图景。立足西部做重大项目的"可靠伙伴"重大项目建设是区域 经济发展的"稳定器",也是西部金融中心服务实体经济的生动体现。2021年9月,交行与四川省政 府签署《成渝地区双城经济圈建设全面战略合作协议》,承诺在"十四五"期间提供8000亿元专项 信贷支持,重点聚焦区域经济布局优化、现代化产业体系构建、重大基建项目共建、乡村振兴战 略实施、民生保障工 ...
航空航天产业链“政银企”对接会召开
Zhen Jiang Ri Bao· 2025-08-01 23:56
Group 1 - The meeting focused on enhancing communication between government, banks, and enterprises in the aerospace industry, with a special emphasis on financial empowerment for the real economy [1] - The first batch of financial support "six lists" for enterprises was officially released, with financial institutions providing an additional credit of 28 billion yuan to the aerospace industry chain [1] - The six lists cover major projects, green finance, inclusive finance, technology finance, digital finance, and pension finance, involving a total of 564 enterprises and institutions [1] Group 2 - Since 2022, a total of six batches of financial support lists have been published, granting over 220 billion yuan in credit to 775 enterprises [1] - The Transportation Bank's Zhenjiang branch has provided nearly 1 billion yuan in credit to eight enterprises in the aerospace industrial park and is promoting specialized financial products [1] - The meeting included presentations from the municipal state-owned assets supervision and administration commission and discussions on financial empowerment for the aerospace industry by major banks [1]
交行四川省分行:实施“四大行动”全面升级民营经济金融服务
Si Chuan Ri Bao· 2025-07-29 22:05
Core Viewpoint - The article highlights the efforts of the Bank of Communications Sichuan Branch in supporting the private economy in Sichuan Province through various financial initiatives and innovative products aimed at enhancing service quality and reducing financing costs for private enterprises [5][6]. Group 1: Financial Support for Private Enterprises - The Sichuan Branch of the Bank of Communications reported a private loan balance of 47.6 billion yuan, serving over 16,000 clients, demonstrating its commitment to supporting the private economy [5]. - The bank has implemented a "Service Quality Improvement Action" that includes both online and offline strategies to reach private enterprises effectively [5][6]. - The first private enterprise stock increase loan in Sichuan was successfully executed by the bank, showcasing its responsiveness to market needs [5]. Group 2: Credit and Financing Innovations - The bank provided a loan of 1 billion yuan to Tongwei Group's subsidiary for solar energy projects, emphasizing its role in financing green and renewable energy initiatives [6]. - The bank has reduced the interest rate on newly issued loans to 2.48%, a decrease of 19 basis points from the previous year, thereby lowering financing costs for enterprises [6]. - The bank has expanded the range of acceptable collateral and introduced innovative financing solutions, including credit loans without collateral for high-quality private enterprises [6]. Group 3: Industry Chain Financial Services - The bank is focusing on developing industry chain financial services by collaborating with core enterprises and third-party platforms to facilitate financing for small and medium-sized enterprises [6]. - A partnership with an agricultural leading enterprise led to the creation of an online financing platform that streamlines the loan application process for farmers [6]. - The bank aims to create tailored financial products for various industry chains, enhancing the overall efficiency of financing for private enterprises [6]. Group 4: Comprehensive Financial Service System - The bank is building a comprehensive financial service system that covers the entire lifecycle of enterprises, transitioning from merely providing capital to fostering sustainable growth [6]. - Various financial products are being offered to meet the needs of enterprises at different growth stages, including credit loans, equity investments, and comprehensive financial services for listed companies [6]. - The bank's initiatives have led to successful bond issuances and innovative financing solutions, further promoting the synergy between technology, industry, and finance [6].
广深园区金融调研:解码“科技-产业-金融”新三角模式
Di Yi Cai Jing Zi Xun· 2025-06-25 01:51
Group 1 - The transformation of China's economy towards a "technology-industry-finance" model has made industrial parks a core driver for regional economic upgrades, leading to increased competition among financial institutions for park financing [1][2] - Guangzhou and Shenzhen are key economic engines in Guangdong Province, with industrial parks playing a crucial role in local industrial restructuring and high-quality development [2] - The "20+20" industrial space layout plan aims to establish 20 advanced manufacturing parks and 20 technology innovation clusters by 2035 in Shenzhen [2] Group 2 - Industrial parks provide comprehensive support for the entire lifecycle of enterprises, facilitating the integration of financial resources as a core competitive advantage [2][3] - Companies like Dingjia Technology and Aosong Electronics have benefited from financial support facilitated by the Guangzhou Development Zone's state-owned asset supervision authority, overcoming early-stage financing challenges [3][4] - Aosong Electronics has achieved nearly 100% market share in domestic capacitive temperature and humidity sensors, showcasing the success of financial backing in fostering local innovation [3][4] Group 3 - Financial institutions are evolving from mere "fund providers" to "industry enablers," offering tailored financial services that integrate industry, technology, and finance [5] - The establishment of specialized financial service platforms and products, such as the "1+3+N" and "1+4+N" service systems, aims to meet the diverse needs of enterprises within industrial parks [5] - The "Park Loan" initiative, launched by Shenzhen's financial regulatory bodies, provides high-amount, low-interest, and unsecured loans to small and micro enterprises in parks, enhancing collaboration among banks, park management, and guarantee institutions [6]
“科技+普惠”双轮驱动 交通银行积极探索科技金融新路径
21世纪经济报道· 2025-06-12 02:10
在科技与创新的沃土之上,一粒粒科创的种子,从破土生根、茁壮发芽,直至最终结出累累硕 果,每一步成长都离不开金融"活水"的悉心浇灌。 小 微 企 业 作 为 国 民 经 济 和 社 会 发 展 的 生 力 军 , 在 稳 就 业 、 促 创 新 中 持 续 发 挥 关 键 作 用 。 然 而,科技型小微企业普遍面临轻资产、高成长性带来的融资瓶颈——传统信贷依赖抵押担保 的模式难以匹配其资金需求,信用积累不足、风险评估复杂等问题,严重制约着金融资源的 高效配置,让众多科技型小微企业在发展的道路上遭遇"资金难"。 近期,金融监管部门进一步强化了对支持小微企业融资协调工作机制的重视,明确要求金融 机构在服务小微企业时要做到"保量、提质、稳价、优结构"。在此政策背景下,交通银行积 极响应号召,以科技金融为抓手,全力探索科技金融与普惠金融深度融合的新路径,尤其为 科技型小微企业开辟一条更加宽广、顺畅的融资之路。 从萌芽到腾飞 全生命周期服务护航科技型小微企业破解融资"困局" 科技型小微企业蓬勃发展,往往搭载着新技术、新材料、新产业,是推动经济转型升级与创 新发展的重要力量。然而,面对科技型小微企业高技术、高风险、轻资产的 ...
稳妥发展线上贷款、提高线下办理效率——多举措助小微企业融资提质增效
Jing Ji Ri Bao· 2025-06-08 22:04
近日,国家金融监管总局等8部门联合印发《支持小微企业融资的若干措施》明确提出,要提高小微企 业融资效率。 当前,部分小微企业仍面临缺乏抵押物、信用记录不完善等难题,导致银企信息不对称,银行等金融机 构难以准确评估其风险,贷款成本较高。 提质增效支持小微企业融资需要直面痛点、难点。"近年来,我们不断深化金融供给侧结构性改革,引 导银行保险机构持续提高服务适配性,鼓励开发差异化、个性化产品,更好满足不同规模、不同类型企 业的金融需求。特别是针对小微企业、民营企业融资难题,我们牵头建立了专门的融资协调工作机制, 推动低成本资金快速直达企业。目前,各地累计走访经营主体超过6700万户,发放贷款12.6万亿元,其 中约三分之一是信用贷款。总局将推动银行简化内部流程,提高贷款审批时效,灵活满足各类融资需 求,缓解企业的资金周转压力。"国家金融监管总局局长李云泽说。 《若干措施》明确提出,稳妥发展线上贷款,指导银行利用科技手段改进授信审批和风险管理模型,独 立自主地对贷款进行风险评估和授信审批。同时提出,要提高线下贷款办理效率。 近年来,大型国有商业银行通过数字化转型提升了服务实体经济的质效。商业银行依托大数据与模型进 行 ...
信用建设换助企“真金”
Jin Rong Shi Bao· 2025-05-13 01:49
Core Insights - The news highlights the efforts of financial institutions in Guangxi to support small and micro enterprises by leveraging credit information and innovative financing solutions [1][2][3][4][5] Group 1: Financial Support for Small and Micro Enterprises - A private small and micro enterprise in Liuzhou faced difficulties in obtaining sufficient loans due to a lack of collateral, but was able to secure working capital loans through the national credit information sharing platform [1] - The People's Bank of China in Guangxi has established credit files for approximately 41.27 million individuals and 1.33 million enterprises, providing essential credit reports to support business financing [2] - In the first quarter, the platform helped enterprises secure financing of 12.365 billion yuan, marking a nearly 30% year-on-year increase [2] Group 2: Data-Driven Financing Solutions - The Guangxi credit platform "Gui Xin Rong" has been upgraded to enhance the integration of financial, governmental, and commercial data, facilitating a new financing model for small and micro enterprises [3] - In the first quarter, local financial institutions provided credit to 4,305 first-time borrowers, with a total amount of 32.209 billion yuan, representing increases of 50% in number and 60% in amount compared to the previous year [3] - Various banks have utilized artificial intelligence to create personalized loan products based on operational data, successfully financing 6.696 billion yuan for 3,193 enterprises through credit derived from business operations [3] Group 3: Specialized Financing Products - The People's Bank of China in Guangxi has collaborated with various departments to create specialized financing products tailored to specific industries, such as "Gui Xin Rong + Individual Business Loan" which supported 12,800 individual businesses with 7.829 billion yuan in financing [4] - Other industry-specific products include "Gui Xin Rong + Liubao Tea Loan" for 196 million yuan, "Gui Xin Rong + Copper Chain Loan" for 9.169 billion yuan, and "Gui Xin Rong + Photovoltaic Loan" for 8.587 billion yuan [4] Group 4: Enhancing Credit Services - A retail merchant faced challenges with traditional loan processes but successfully obtained a 200,000 yuan online credit loan through the integration of procurement data and order information [5] - Guangxi United Credit Co., Ltd. has developed specialized credit reports for small enterprises by combining commercial and financial credit data, enhancing the accessibility of financial services for small and micro enterprises [5] - As of the end of March, Guangxi United Credit Co., Ltd. has partnered with over 90 financial institutions, providing 31.91 million credit reports and facilitating financing exceeding 400 billion yuan for 8.57 million small and micro enterprises nationwide [5]
市工商联助力民营企业向“高”攀登
Shen Zhen Shang Bao· 2025-05-10 23:06
【深圳商报讯】(记者彭琰苑伟斌)5月8日,深圳市工商联与交通银行深圳分行联合举办"科创逐梦·创 业故事说"专场。 据介绍,"科创逐梦·创业故事说"专场是落实《民营经济促进法》的具体实践,为科创企业精准链接政 府扶持政策、优质金融资源,通过"政策+金融+科技"的深度融合,打造"全生命周期"服务链,为企业打 开"破局"新思路,让经验的分享交流催生更多合作可能。市工商联将持续整合政府部门、金融机构、科 研院所等多方资源,打造"科创逐梦"、"企·航"——深圳民营企业发展服务计划、民企话坛等服务品 牌,让广大民营企业和企业家专心创新、放心发展。 面对科创企业多样化的需求,交通银行深圳分行充分发挥集团综合化、国际化的优势,构建了覆盖企业 全生命周期的科创金融服务体系,为科技型企业提供全方位的金融支持。 当天有主题分享、金融赋能产品推介及创业故事分享等多个环节。德勤税务师事务所专家就美国加征关 税的最新动态及应对策略进行了深入剖析,为参会企业提供了多方位应对建议。 交通银行深圳分行重点推介了科创企业产品服务体系,旨在通过创新驱动破解传统融资难题,助力科技 型企业快速发展。其中,企业专属线上化产品"科创快贷"具有线上化程度高 ...