充分激发各类经营主体活力、发展壮大民营经济——党的二十届四中全会擘画"十五五"发展蓝图，再次谋 篇民营经济。作为我国经济发展的活力源泉，民营经济在推动创新、促进就业、繁荣市场等方面发挥着重 要作用。 "我们依托产业链核心企业信用、真实交易背景和物流、信息流、资金流闭环，为上下游企业提供无需抵押担 保的订单融资、应收应付账款融资，可有效缓解民营中小微企业的资金压力。"交行四川省分行相关负责人介 绍，该行围绕川酒、川猪、郫县豆瓣、德阳火锅等产业链打造特色产品，以"链金融+线上化"模式激发产业发 展动能。 发挥全牌照优势，聚焦科技创新的"赋能者" 民营经济集中了我国超过80%的专精特新"小巨人"企业、92%以上的国家高新技术企业，是科技创新的沃土。 然而，不少民营科技企业往往手握技术却缺少可抵押的实体资产，以至于常常难以获得传统信贷支持。 而民营经济蓬勃发展的背后，离不开金融活水的润泽。作为国有大行，交通银行积极发挥主力军作用，基于全 牌照优势开展了一系列创新举措与扎实行动，深度融入民营经济的发展脉络，用实际行动诠释了金融与民营经 济共生共荣。 助企纾困解难题，支持民营小微的"破局者" 在众多民营小微企业的成长道路 ...

普惠，照见金融向善的初心。 金融向善，方能致远。全国第十二届残疾人运动会暨第九届特殊奥林匹克运动会（以下简称 "2025年全 国残特奥会"）于2025年12月在广东、香港、澳门三地启幕，一曲"一国两制"下区域协同发展的华美乐 章将在粤港澳大湾区奏响。 乐章恢弘，金融何为？作为2025年全国残特奥会银行官方合作伙伴，交通银行（601328）躬身入局，通 过"产品+科技"双轮驱动，助力残疾人事业发展，推动粤港澳大湾区协同共进，以切实行动践行了金融 向善的深刻内涵。 多元产品，助力残障群体解锁更多可能 2025年10月，在2025年全国残特奥会交通银行金融服务发布会上，《交通银行助残共富综合金融服务方 案》发布。交通银行推出无障碍服务、普惠金融、跨境金融、数字人民币钱包等多方位、多层次的专属 助残金融服务，为残疾人群体及助残机构带来更多务实的金融保障。 以普惠金融为例，该行聚焦残障群体对美好生活的追求与干事创业的需求，设计了一系列专属产品，力 求做到精准触达、有效赋能，助力残障群体解锁更多人生可能。 在跨境金融服务方面，深度契合残特奥会需求，推出外汇便利化服务专属方案，针对赛事相关机构、个 人用汇开辟"绿色通道"， ...

完善机制建设，筑牢服务基石 金融赋能产业链，完善的体制机制是基石。 青岛银行济宁分行深刻认识到，服务机械制造产业需要构建系统化的工作格局。对此，该行成立由行长 担任组长的领导小组，统筹协调公司银行部、科创普惠金融部、风险管理部等多部门资源，形成"全行 一盘棋"的服务体系。 齐鲁晚报·齐鲁壹点 张夫稳 通讯员 杜刘洋 "'商协链动·益企同行'——济宁特色产业金融赋能行动"启动后，青岛银行（002948）济宁分行迅速响应 行业协会号召，将更多金融资源引入机械制造产业链，让金融"活水"沿着产业链条流淌，精准滴灌每一 家需要资金支持的机械制造企业，为济宁市工业经济建设注入强劲金融动力。 精准对接企业，定制个性化服务 产品只是工具，精准服务才是关键。青岛银行济宁分行组建了专业的金融服务团队，团队成员具备丰富 的金融知识和行业经验，能够为制造类企业提供全方位、个性化的金融服务。 "'商协链动·益企同行'——济宁特色产业金融赋能行动"启动后，青岛银行济宁分行的金融服务团队上门 对接机械制造产业链企业，了解企业的生产经营情况和融资需求，为企业量身定制融资方案。 济宁某流体控制企业多年来深耕液压动力机械及元件制造领域，其工业控 ...

在众多民营小微企业的成长道路上，资金问题始终是绕不开的"拦路虎"。续贷难度大、融资额度受限、 申报流程繁琐……面对这些长期存在的痛点，交行以产品创新与流程再造为驱动力，精准对接民营小微 企业的真实需求，走出了一条有温度、有质效的金融服务新路径。 针对"续贷难"这一高频痛点，交行着力优化"无还本续贷"服务，通过审批流程前置、风控模型升级，支 持符合条件的民企办理续贷，服务覆盖面大幅提升，有效支撑了民企在资金周转上的"无缝衔接"。 不止于续贷体验的改善，融资额度也是民营小微企业的核心关切。基于大数据赋能的"增信"机制，交行 构建起更加精准、动态的评估体系，对于经营稳健、前景良好的民营小微企业，信用类授信额度最高可 提升至2000万元，为企业注入更充足的成长动能。 在融资便利性的提升上，交行打造了高效便捷的线上综合授信服务体系，实现"数据跑路代替企业跑 腿"，众多民企足不出户便可轻松在线完成从申请、测额、签约到提款的极速融资操作。目前，该行已 推出20余款线上融资产品，民营小微线上贷款覆盖率近50%。值得一提的是，产业链供应链的畅通循环 是民营经济稳健发展的重要支撑。交行深入产业生态，以核心企业为枢纽，将金融服务向 ...

Core Viewpoint - The article emphasizes the commitment of the Bank of Communications to integrate technology finance into its strategic core, responding to the call for high-level technological self-reliance and innovation in the financial sector [1][9]. Group 1: Strategic Initiatives - The Bank of Communications has signed a strategic cooperation agreement with the Ministry of Industry and Information Technology to establish the "Torch-Jiaoyin Joint Innovation Laboratory," focusing on data mining, credit product innovation, and financial scene construction [2]. - The "Five Ones" special action has been launched to enhance collaboration among government, banks, parks, and enterprises, promoting a virtuous cycle of technology, industry, and finance [2][3]. Group 2: Service System and Product Innovation - The bank has developed a comprehensive service system for technology finance, including various credit products tailored to different stages of technology enterprises, such as "Kechuang Talent Loan" and "Kechuang Fast Loan" [4]. - The total balance of technology loans has exceeded 1.5 trillion yuan, showcasing the bank's significant support for technology enterprises [4]. Group 3: Research and Development - The Bank of Communications has established a multi-level research system to support its technology finance initiatives, closely tracking macro policies and forming specialized credit strategies for key sectors like high-end manufacturing and artificial intelligence [5][6]. - The bank employs a "1+N" evaluation model to identify and support key enterprises within industry chains, enhancing its service capabilities [6]. Group 4: Regional Market Development - The bank actively collaborates with local governments and institutions to leverage public resources for supporting technology innovation, establishing a "government-bank-investment-school" collaborative mechanism [7]. - The number of technology-focused branches has steadily increased, with over 100 specialized institutions established across key regions, enhancing the bank's service network for technology innovation [8]. Group 5: Future Outlook - Looking ahead, the Bank of Communications aims to continue optimizing its credit strategies and financial products to foster new productive forces and contribute to building a strong financial nation [9].

Core Insights - Qingdao Bank was awarded the "Best Brand Competitiveness City Commercial Bank" at the "2025 First Financial Financial Value Annual Conference" for its outstanding performance in technology finance, green finance, local economic services, and innovation capabilities [1][8] - The "First Financial Financial Value List" evaluates financial institutions based on brand value, market influence, business innovation, and social responsibility, highlighting Qingdao Bank's comprehensive strength and its role in promoting local high-quality development [1][8] Strategic Positioning - Qingdao Bank has established a strategic positioning focused on regional service, guided by a "three-year strategic plan" emphasizing "quality and efficiency first, distinctive features, and flexible mechanisms" [4] - As of Q3 2025, the bank's return on equity (ROE) increased to 13.16%, non-performing loan ratio decreased to 1.10%, and provision coverage ratio reached 269.97%, indicating strong risk control and stable operations [4] Industry-Specific Financial Services - The bank has developed a specialized financial service system targeting key industries such as technology innovation, marine economy, and cultural tourism, providing comprehensive financial support throughout the lifecycle of technology enterprises [5] - Qingdao Bank has launched over 20 products in technology finance, including "Talent Loans" and "Intellectual Property Pledge Loans," and has supported over 2,250 technology enterprises, facilitating their growth and innovation [6] Green Finance Initiatives - Qingdao Bank prioritizes green development, creating a complete product matrix that includes carbon loans and blue finance, with a green loan balance of 54.828 billion yuan as of September 2025 [6] - The bank has implemented 272 carbon reduction-related tools, achieving an annual carbon reduction of 12,878 tons through projects like the Qingdao High-tech Clean Energy Project [6] Inclusive Finance and Social Responsibility - The bank has introduced over 30 products to support inclusive finance and rural revitalization, establishing over 1,400 service stations across Shandong to provide low-cost financing for local SMEs and agricultural entities [7] - Qingdao Bank integrates social responsibility into its brand building, engaging in various public welfare activities and enhancing brand influence through partnerships with local sports clubs and cultural initiatives [7] Future Outlook - Qingdao Bank aims to continue its commitment to local economic service and innovation, exploring new financial support models for key industries such as technology, cultural tourism, and marine economy [8] - The bank plans to deepen its responsibility in supporting local economies while adhering to the central financial work conference's requirements, focusing on quality and innovation in financial services [8]

Core Viewpoint - The article highlights the launch of a financial service initiative by Bank of Communications aimed at supporting small and micro enterprises, particularly in the technology sector, through a digital loan application process. Group 1: Company Initiatives - Bank of Communications has introduced the "Code Scan" initiative to facilitate financing for small and micro enterprises, allowing them to apply for loans online with a maximum limit of 30 million yuan [8][10]. - The bank has developed a dedicated product line called "Science and Technology Easy Loan" specifically for technology-oriented small and micro enterprises [10]. Group 2: Market Context - The initiative addresses the common financing difficulties faced by small and micro enterprises, which often struggle with low revenue and lack of collateral [5][6]. - The bank's efforts include engaging with high-tech parks across the country to promote the "Code Scan" program, aiming to bridge the financial service gap for these businesses [9]. Group 3: Impact on Entrepreneurs - The program has already helped some startups overcome financial challenges, enabling them to continue their operations and innovations [7]. - The digital application process is designed to enhance efficiency, allowing businesses to access funds quickly without the need for extensive paperwork [12][15].

Core Viewpoint - The article highlights the significant role of the Bank of Communications Sichuan Branch in supporting the construction of the Chengdu-Chongqing economic circle, emphasizing its commitment to providing financial support for major projects and contributing to regional economic development [1][2]. Financial Support and Commitment - The Bank of Communications Sichuan Branch signed a strategic cooperation agreement with the Sichuan provincial government in September 2021, pledging to provide 800 billion yuan in special credit support during the 14th Five-Year Plan period, focusing on six key areas [1]. - As of mid-2025, the Sichuan Branch has provided over 50 billion yuan in credit support for major projects within the Chengdu-Chongqing economic circle [1]. Project Financing and Economic Impact - In 2024 alone, the Sichuan Branch granted over 10 billion yuan in credit for 13 key projects in Chengdu [1]. - The branch's loan balance exceeded 240 billion yuan by mid-2025, reflecting its extensive support for local enterprises and individuals [1]. Innovation in Financial Services - The Sichuan Branch has developed a multi-layered service system tailored to six key industries, including electronic information and equipment manufacturing, enhancing its support for medium-sized clients [1]. - The introduction of innovative financial products, such as "Science and Technology Quick Loan," has facilitated funding for technology-driven enterprises, with an increase of 2.256 billion yuan in inclusive loans by mid-2025 [1]. Collaboration and Regional Development - The Sichuan and Chongqing branches of the Bank of Communications have engaged in frequent interactions, conducting 11 mutual visits in 2024 and co-hosting financial innovation summits to explore new cross-border financial services [1]. - A flexible working team was established to enhance collaboration between the two branches, resulting in over 1.8 billion yuan in credit support for joint projects [1]. Community and Social Responsibility - The Sichuan Branch has expanded its partnerships with local governments, establishing connections with 21 cities and over 20 provincial departments to enhance financial services across the region [1]. - The branch has actively engaged with over 40 enterprises to understand their needs and develop new service models, demonstrating its commitment to integrating financial services with local industry [2].

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]

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].