封关在即，海南自贸港潮涌不息。海风徐徐，传来一个又一个令人振奋的消息。广发银行认真学习贯彻 好党的二十届四中全会精神，凝心聚力真抓实干，充分发挥毗邻区位优势，将金融服务自粤港澳大湾区 延伸到海南自贸港，为高水平对外开放注入澎湃金融动能。 搭建跨境合作桥梁，助力海南自贸港建设 作为我国对外开放的重要窗口，畅通海南自贸港贸易通道成为吸引境外投资者的重要因素，广发银行持 续创新跨境服务模式，助力外贸企业稳规模、优结构，支持海南省扩大高水平对外开放。 广发银行海口分行充分把握海南自贸港"零关税""低税率""简税制"的政策红利，围绕建设"三区一中 心"战略定位，构建丰富的跨境业务产品体系，服务"引进来"和"走出去"企业。 一方面，加大跨境金融产品供给，提供跨境资金池，支持企业在全球范围内优化资金配置；开展内保外 贷、外保内贷业务，拓宽跨境企业融资渠道；协同广发银行在港澳分行开展跨境直贷，降低企业融资成 本。 另一方面，持续提升跨境业务服务水平，提高跨境结算便利度，推广资本项目收入支付便利化政策，为 境内外企业提供多元化币种选择，助力更高水平贸易投资人民币结算便利化试点政策实施；提升跨境贸 易融资效率，积极落实支付便利化 ...

封关在即，海南自贸港潮涌不息。广发银行学习贯彻好党的二十届四中全会精神，凝心聚力真抓实干， 充分发挥毗邻区位优势，将金融服务自粤港澳大湾区延伸到海南自贸港，为高水平对外开放注入澎湃金 融动能。 搭建跨境合作桥梁，助力海南自贸港建设 作为我国对外开放的重要窗口，畅通海南自贸港贸易通道成为吸引境外投资者的重要因素，广发银行持 续创新跨境服务模式，助力外贸企业稳规模、优结构，支持海南省扩大高水平对外开放。 广发银行海口分行充分把握海南自贸港"零关税""低税率""简税制"的政策红利，围绕建设"三区一中 心"战略定位，构建丰富的跨境业务产品体系，服务"引进来"和"走出去"企业。 一方面，加大跨境金融产品供给，提供跨境资金池，支持企业在全球范围内优化资金配置；开展内保外 贷、外保内贷业务，拓宽跨境企业融资渠道；协同广发银行在港澳分行开展跨境直贷，降低企业融资成 本。 "惠"就千行万业，绘就普惠金融蓬勃发展的生动图景。海口分行积极落实支持小微企业融资协调工作机 制，开展清单式排查，上门问需，实行专人专管、优先受理，全面满足小微企业金融需求。截至目前， 分行普惠小微企业贷款余额较年初增幅14%，向在琼乡村振兴帮扶点累计投入帮 ...

Core Insights - Guangfa Bank Changsha Branch has made significant contributions to the economic and social development of Hunan, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Group 1: Financial Contributions - Over the past 16 years, Guangfa Bank has provided more than 600 billion yuan in various credit funds to Hunan, paid over 1.8 billion yuan in taxes to local governments, and served over 3.8 million customers [1] - As of the end of September, the bank's total assets approached 90 billion yuan, with deposits nearing 52 billion yuan and loans exceeding 56 billion yuan, representing growth of 35 times, 22 times, and 47 times since its establishment [1] Group 2: Sector-Specific Financial Services - In technology finance, the bank has integrated support for technology-driven enterprises into its development strategy, with a credit balance exceeding 13 billion yuan and a compound annual growth rate of 35% over the past three years [3] - The bank has established a collaborative service model with China Life Insurance, providing comprehensive support for hard-tech enterprises in various sectors [3] - In green finance, the bank has focused on building a robust system, with a credit balance of nearly 8.2 billion yuan and a compound annual growth rate exceeding 60% over the past three years [3] Group 3: Inclusive and Agricultural Finance - The bank has implemented a financing coordination mechanism for small and micro enterprises, with a credit balance for inclusive small and micro loans exceeding 4.3 billion yuan and a compound annual growth rate of 10% over the past three years [4] - Agricultural loans reached nearly 4 billion yuan, with a net increase of over 700 million yuan since the beginning of the year [4] - The bank has introduced innovative credit products tailored to rural revitalization and consumer financing, enhancing financial support for residents [4] Group 4: Innovative Financial Products - Guangfa Bank has continuously developed targeted financial products to better serve small and medium-sized enterprises, including specialized loans for various industries and upgraded pension financial services [5] - The bank has launched a digital upgrade initiative to enhance service capabilities, introducing innovative products like "Data Enterprise Connect" for comprehensive management solutions for small and micro enterprises [5] - The bank has pioneered a "Card Transfer Rights" service in the credit card sector, allowing customers to flexibly convert benefits without changing cards or numbers [5] Group 5: Future Outlook - Guangfa Bank Changsha Branch aims to deepen its commitment to the spirit of the 20th National Congress of the Communist Party, focusing on the five key areas of finance to contribute to the high-quality development of Hunan's economy and society [6]

Core Viewpoint - The article emphasizes the commitment of Guangfa Bank to support technology-driven enterprises through innovative financial services and products, aligning with national strategies for technological advancement and economic development [1][6]. Group 1: Financial Services for Technology Enterprises - Guangfa Bank has integrated the mission of serving technology-driven enterprises into its development plan, achieving a loan balance of 253.6 billion yuan for technology enterprises by the end of June [1]. - The bank has developed a comprehensive financial service model that combines bank credit, insurance investment, and insurance protection to support key industries such as information technology, equipment manufacturing, new materials, and biomedicine [2]. - Customized financial service solutions, such as "Kechuang Weirong," have been designed to meet the diverse financial needs of technology enterprises at different growth stages, including seed, startup, growth, and mature phases [3]. Group 2: Risk Assessment and Service Quality - Guangfa Bank is enhancing its risk assessment capabilities by investing in technology, utilizing artificial intelligence and big data to improve credit risk evaluation and create accurate customer profiles [3]. - The bank has established 28 technology financial centers to provide specialized financial services for local high-level technology research and innovation, ensuring precise service delivery to technology enterprises [4]. Group 3: Collaboration with Local Governments - Guangfa Bank is actively collaborating with local governments to implement the "Yiqi Gongying Plan," which aims to empower the real economy and support industrial upgrades, having signed strategic cooperation agreements with 76 technology enterprises amounting to over 3.8 billion yuan by June 2025 [5]. - The bank plans to enhance its financial support capabilities for technology innovation, tailoring strategies to local industrial characteristics and fostering a favorable financial ecosystem for technology enterprises [5].

Core Viewpoint - Guangfa Bank leverages the synergy of its three major sectors: insurance, investment, and banking, to provide comprehensive financial services for technology enterprises, supporting technological innovation with financial backing [1] Group 1: Support for Entrepreneurship - Guangfa Bank aims to develop a modern industrial system represented by high-level technology, which can optimize economic structure and create high-quality jobs through entrepreneurship [2] - In 2022, Guangfa Bank launched the "Kechuang Huirong" comprehensive service plan to support high-tech enterprises, unicorns, and specialized small and medium-sized enterprises, offering customized financial products for different lifecycle stages [2][3] - The bank actively participated in the 11th China Innovation and Entrepreneurship Competition, providing financial support for various industries, including information technology, biomedicine, and new energy [2] Group 2: Tailored Financial Solutions - The "Kechuang Huirong" plan addresses the financial needs of technology enterprises at different stages, offering solutions such as microloans for seed and startup phases, specialized loans for growth stages, and comprehensive services for mature enterprises [3] - Guangfa Bank provides online financial services, including cash management and supply chain financing, to assist technology enterprises in daily operations [3] Group 3: Rapid Response to Financial Needs - Timely financial support is crucial for technology enterprises facing rapid industry changes; Guangfa Bank has successfully provided quick financing solutions to companies in need [4][5] - For instance, a wastewater treatment company received a loan of 9 million yuan to address urgent funding needs, demonstrating the bank's commitment to supporting small and medium-sized enterprises [4] Group 4: Comprehensive Financial Services - Guangfa Bank integrates resources from China Life Group to offer a one-stop financial service model, combining investment, banking, and insurance to enhance support for technology innovation [7] - The bank has successfully provided significant financial support to a leading solar technology company, demonstrating its ability to meet the diverse needs of technology enterprises [7] Group 5: Commitment to National Strategy - Guangfa Bank is dedicated to enhancing national strategic technological capabilities and improving enterprise innovation, continuously innovating its technology financial service system [8]

Core Viewpoint - The article highlights the efforts of Guangfa Bank in leveraging financial technology to empower new productive forces, particularly in the Guangdong-Hong Kong-Macao Greater Bay Area, by providing tailored financial solutions to innovative small and medium-sized enterprises [1][2][9] Group 1: Financial Support and Innovation - Guangfa Bank has been deeply rooted in the Greater Bay Area for 36 years, focusing on financial support for economic and social development, and has increased financial supply to key sectors and weak links [2] - The bank has established a specialized team for technology finance, led by the president, to enhance financial services for technology innovation and support industrial upgrades [2] - The loan balance for technology enterprises in the Greater Bay Area has grown rapidly, from 36.9 billion yuan at the end of 2021 to 55.2 billion yuan at the end of 2023, with a compound annual growth rate of 22.2% [2] Group 2: Product Innovation and Service Enhancement - Guangfa Bank has developed a series of online credit loan products, such as "Technology E-loan" and "Specialized and New E-loan," to meet the financing needs of technology enterprises at different stages [3] - The bank has launched various offline products for mature and expanding technology enterprises, including "Technology Credit Loan" and "Intellectual Property Pledge Loan," to address larger and long-term financing needs [3] - The "Kechuang Huirong" service plan was introduced in 2022 to provide comprehensive financial services tailored to the lifecycle of technology enterprises [4] Group 3: Case Studies and Practical Applications - Guangfa Bank's "Tengfei Loan" service model offers flexible interest rates and repayment methods to support high-growth technology enterprises [5] - The bank successfully provided a 50 million yuan two-year loan to Shenzhen Hongxin Yu Electronics, addressing the company's financing challenges in a short time [6] - The bank has established a unified credit limit of 310 million yuan for Guangdong Dingtai High-Tech Co., demonstrating its commitment to supporting advanced manufacturing and specialized small giant enterprises [8]