在岭南的广袤果园里，一颗颗红彤彤的荔枝完成从田间到舌尖的"鲜"美旅程。在这背后，交行广东省分行创新推出的"荔枝贷"，助力荔枝产业 不仅"红了果皮"，更带动农户"富了日子"。这不仅是该行助力"百千万工程"的生动缩影，更是其践行绿色金融、点绿成金的真实写照。 绿色发展，是中国式现代化的鲜明底色。交行广东省分行将"绿色金融"作为发展的核心标识，率先在交行系统内成立了首个绿色金融中心，设 立绿色金融发展委员会，组建专职团队，并在绿色改革创新区域建成3家绿色支行，以机制优势引领绿色金融跑出"加速度"。 作为国有大行在粤分支机构，交通银行广东省分行深入贯彻落实党的二十届四中全会精神，坚持金融工作政治性、人民性，以服务实体经济 为根本宗旨，始终与粤港澳大湾区发展同频共振，做好金融"五篇大文章"，切实加强对"重大战略、重点领域和薄弱环节"的优质金融服务，为 粤港澳大湾区的高质量发展注入源源不断的金融"活水"。 深耕科技沃土，激活"新质"引擎 从智能制造的精密协同，到高端医疗的生命守护，从新能源的驭风追光，到新材料的硬核突破，每一个科技创新成果从实验室走向生产线， 再融入百姓日常，这漫长的"破茧成蝶"之路，都离不开"耐心资本" ...

聚焦区域特色产业发展方面，该行创新"一县一品"服务模式，推出济南济阳"黄瓜贷"、莱芜"姜蒜贷"等 数十款特色惠农产品，扎根50多个县域精准滴灌区域特色农业集群；针对高端装备、新材料等新兴产 业，创新推出"科创易贷"等专属产品，通过"名单制+产品包"服务模式为企业提供精准服务，引导信贷 资金向战略新兴产业集聚，助力区域产业集群培育与转型升级，形成"金融+特色产业"协同发展新格 局。 该行始终深度对接区域重大发展战略，紧密围绕黄河流域生态保护和高质量发展、山东省新旧动能转换 等核心部署，构建多元化绿色金融服务体系，高效满足企业节能减排、资源循环利用等资金需求，使金 融活水持续向"绿"涌动；同时积极投身济南科创金融改革试验区建设，以专业金融服务护航科技创新， 实现金融服务与区域发展战略的高度同频共振。 展望未来，齐鲁银行将继续坚守"小而美"的精细化发展路径，立足山东、深耕区域，进一步聚焦区域实 体经济需求，深化特色金融产品创新，持续加大对中小微企业、科技创新、绿色发展及地方重大项目的 支持力度，以更精准、高效的金融服务助力区域经济高质量发展，持续书写金融赋能地方发展的崭新篇 章。 财经频道更多独家策划、专家专栏，免 ...

Core Insights - The construction of a financial powerhouse relies on financial institutions deeply rooted in the real economy and providing precise empowerment, requiring banks to shift from traditional lending to offering systematic and accompanying financial services [1] Group 1: Financial Empowerment of Foreign Trade - In the first half of the year, Shandong Province's goods trade import and export reached 1.73 trillion yuan, ranking fifth nationwide, with Qingdao accounting for 442.7 billion yuan, or 25.6% of the province's total [2] - Qingdao Bank has tailored a comprehensive financial solution for a local company, A Group, involved in seaweed bio-products, which includes cross-border trade financing, cross-border settlement, and USD demand deposit services, successfully enhancing the company's supply chain competitiveness [2] - A Group has secured over 300 million yuan in loans from Qingdao Bank, enabling it to sign supply agreements with multiple core suppliers in Chile, thereby locking in prices for seaweed [2] Group 2: Customized Financial Solutions for Advanced Manufacturing - Qingdao ranks sixth nationally in advanced manufacturing, with significant clusters in the region, but high-end manufacturing equipment procurement and upgrades require substantial investment [3] - A microelectronics company in Qingdao received a tailored technical transformation loan of 10 million yuan from Qingdao Bank to purchase essential testing equipment for its newly approved integrated circuit reliability verification project [3][4] - The bank expedited the loan approval process through a "green channel," completing the disbursement in just three working days after receiving complete documentation [4] Group 3: Resource Linking for Green Development - Financial institutions play a crucial role in linking enterprises with policies, resources, and channels, especially for technology-driven companies [5][6] - Qingdao Bank has developed a product system for technology enterprises and established a communication mechanism with local government departments to better understand and meet enterprise needs [6] - The bank successfully approved a project loan of 95 million yuan for Qingdao Blue New Energy Co., Ltd., along with assisting in obtaining low-cost re-lending funds to reduce financing costs significantly [6][7]

Core Viewpoint - Huaxia Bank emphasizes its commitment to supporting the capital's development through various strategic actions, particularly the "Jinghua Action," which aims to leverage resources for the benefit of Beijing's growth and high-quality development [1] Group 1: Financial Support and Initiatives - Huaxia Bank has launched ten key actions this year, focusing on business development, cost reduction, risk control, internal management, and style construction, with the "Jinghua Action" being the most significant [1] - As of the end of October, Huaxia Bank has provided a total of 400 billion yuan in various financing services to the Beijing area, representing a 13% year-on-year increase [1] - The bank's technology finance initiatives are positioned as a core engine for supporting new productive forces in the capital, with a strategic focus on enhancing technology finance across the organization [2] Group 2: Technology Finance Development - Huaxia Bank has established a comprehensive product matrix to address the financing needs of technology enterprises throughout their lifecycle, including various loan products tailored to different growth stages [3] - The bank's technology enterprise loan balance reached nearly 240 billion yuan, with a growth rate of nearly 50%, serving over 8,400 clients [3] - In 2025, Huaxia Bank has issued nearly 4 billion yuan in credit loans to support the technology development of specific companies, such as Moer Technology [3] Group 3: Green Finance Initiatives - Huaxia Bank has positioned green finance alongside technology finance as a key feature, with a green finance balance exceeding 490 billion yuan and green loan balance surpassing 350 billion yuan, accounting for nearly 16% of total loans [4] - The bank has collaborated with the World Bank on significant projects aimed at air pollution prevention, with annual CO2 emissions reductions of 2.88 million tons [5] - Huaxia Bank has also supported major green infrastructure projects and led the underwriting of green asset-backed securities, demonstrating its commitment to sustainable development [5] Group 4: Consumer Finance Efforts - To support the construction of Beijing as an international consumption center, Huaxia Bank has launched 18 key tasks aimed at promoting consumer spending and enhancing financial services for major projects [6] - The bank has engaged in various promotional activities, including collaborations with supermarkets and cultural events, to stimulate consumer engagement and spending [6][7] Group 5: Regional Development and Collaboration - Huaxia Bank has provided nearly 90 billion yuan in financing services for key projects in the Beijing-Tianjin-Hebei region, marking a 31% year-on-year increase [8] - The bank has initiated the "Jinghua Action" to ensure comprehensive service coverage for state-owned enterprises in the capital and has supported various relocation projects to enhance regional integration [8] - Future plans include further advancing the "Jinghua Action" with more precise strategic layouts and innovative financial products to support the capital's development goals [8]

科技是国家强盛之基。作为金融"国家队"，交通银行（601328）始终将做好"科技金融"大文章视为践行金融工作政治性、人民性的重要举措，持续优化科 技金融多层次服务体系，为科技型企业提供全周期、全链条、接力式金融服务，推动建立健全与实现高水平科技自立自强和科技强国建设高度适配的金融 服务体系。 强化顶层设计 健全多层次科技金融服务体系 交行修订《公司章程》，优化调整董事会战略委员会定位，着力构建与"五篇大文章"战略部署相匹配的治理体系，实现集团战略推进机制的高位重构。设 立科技金融委员会，优化科技金融组织架构体系，形成高效联动的"总分辖支"四级工作机制。2025年6月，对照科技部、人行等国家七部委联合印发的科 技金融支持政策，制定《交通银行加快推进科技金融高质量发展的行动措施》，重点围绕组织机制优化、信贷服务体系升级、直接融资渠道拓展、创新推 进机制构建、集团协同效能提升及支撑保障强化等六大方面，系统梳理支持科技型企业发展政策措施，促进全行提高工作效率、增强整体协作能力。 推出"交银科创" 打造科技金融专业品牌 交行将科技金融作为战略特色，整合资源推出"交银科创"专业品牌。首创"4+3"服务模式陪伴企业成长，建 ...

科技是国家强盛之基。作为金融"国家队"，交通银行始终将做好"科技金融"大文章视为践行金融 工作政治性、人民性的重要举措，持续优化科技金融多层次服务体系，为科技型企业提供全周 期、全链条、接力式金融服务，推动建立健全与实现高水平科技自立自强和科技强国建设高度适 配的金融服务体系。 强化顶层设计 健全多层次科技金融服务体系 交行修订《公司章程》，优化调整董事会战略委员会定位，着力构建与"五篇大文章"战略部 署相匹配的治理体系，实现集团战略推进机制的高位重构。设立科技金融委员会，优化科技 金融组织架构体系，形成高效联动的"总分辖支"四级工作机制。2 0 2 5年6月，对照科技部、人 行等国家七部委联合印发的科技金融支持政策，制定《交通银行加快推进科技金融高质量发 展的行动措施》，重点围绕组织机制优化、信贷服务体系升级、直接融资渠道拓展、创新推 进机制构建、集团协同效能提升及支撑保障强化等六大方面，系统梳理支持科技型企业发展 政策措施，促进全行提高工作效率、增强整体协作能力。 推出"交银科创" 打造科技金融专业品牌 交行将科技金融作为战略特色，整合资源推出"交银科创"专业品牌。首创" 4+3 "服务模式陪伴 企业成长 ...

Group 1: Green Finance Initiatives - The Bank of Communications Anhui Branch focuses on green development, investing in key areas such as green infrastructure, new energy, ecological environment governance, and green consumption upgrades [1] - The Anhui Province has been promoting multimodal transport development to create a modern, safe, and efficient transportation system, exemplified by the Wuhu Tower Bridge multimodal transport base, which has a total investment of 7.18 billion and covers an area of 2,910 acres [2] - The Wuhu Tower Bridge multimodal transport base is set to become the largest and most comprehensive "road, rail, and water" multimodal transport hub in Anhui Province, enhancing regional economic development [2][3] Group 2: Support for Local Enterprises - The Huangshan Branch of the Bank of Communications is innovatively promoting the synergy between green finance and technology finance to support local specialty industries, such as the century-old Xie Yuda Tea Company, which has transitioned to modern production methods [4] - The bank tailored financial products for the tea company, including the "Sci-Tech Easy Loan" that offers large credit loans without collateral, and online mortgage loans to facilitate quick funding for equipment purchases and capacity expansion [5] Group 3: Environmental Protection Financing - The Bank of Communications Huaibei Branch is actively addressing ecological issues caused by over-extraction of groundwater by supporting a water source replacement project, which aims to convert industrial water sources to domestic use [6] - The bank established a dedicated team to streamline the approval process for the project, providing significant long-term credit support while ensuring risk management and compliance [7] - The Anhui Branch plans to deepen its green finance system, focusing on key areas such as the Yangtze River protection, clean energy development, and rural revitalization, to enhance financial support for various green projects [7]

145家全国重点实验室占全国近三成，独角兽企业数量连续多年稳居全国首位，人工智能、商业航天、 脑机接口等领域涌现出一批"全球首创、全国首个"的重大成果，技术合同成交总额接近万亿元大 关，"三城一区"创新主平台与高精尖产业体系深度融合……"十四五"以来，北京国际科技创新中心建设 跑出"加速度"、迈上新台阶，新质生产力发展蹄疾步稳。 金融是科技创新的活水。作为深耕首都的北京市管金融机构核心经营单位，华夏银行北京分行紧扣"十 四五"北京科创中心建设成果与市委十三届七次全会部署，锚定"加快提升科技创新中心发展能级""大力 发展新质生产力"核心任务，以千亿级资金储备、专业化服务体系和全链条产品矩阵，深度融入首都创 新生态，为科创成果转化、产业集群壮大、创新要素聚合提供精准金融支撑，与首都共赴"十五五"高质 量发展新征程。 政策引领 同频共振 织密首都科创服务网络 紧扣北京"三城一区"统筹联动发展，华夏银行北京分行完善机构结构契合首都创新空间布局。2025年， 北京分行设立科技金融中心，统筹全市23家科技特色支行构建"1+23"网格化服务体系，实现中关村科学 城、怀柔科学城、未来科学城及北京经开区等创新核心区服务全覆盖， ...

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 ...

"过去我们合作社去贷款，各家银行总会问'谁说了算''股权怎么分'。现在备案信息一清二楚，对我们的 信任度一下上来了，我们也无需反复解释合作社的股权架构和经营决策方式问题了。"内蒙古兴安盟科 右中旗阿希达食品有限公司负责人杜玉旗道出了企业受益所有人信息备案工作的价值——进一步夯实银 企互信基石。 早在2018年，中国人民银行反洗钱局就规范非自然人客户的受益所有人身份识别工作，下发《关于进一 步做好受益所有人身份识别工作有关问题的通知》。去年4月和10月，中国人民银行、国家市场监督管 理总局再次联合颁布了《受益所有人信息管理办法》以及《受益所有人信息备案指南》。以此为基础， 近年来，中国人民银行兴安盟分行深入践行"金融为民"理念，基于商业银行作为面向市场主体的重要窗 口和服务前端的优势，创新推动的"备案+金融服务"正向激励机制，引导全盟银行机构将受益所有人信 息备案与提升农牧区金融服务质效深度融合，在进一步破解银企信息不对称问题的同时，提升银行机构 尽调充分性和合规性，以促使风险管理与普惠金融服务平衡。 信息透明 为"信用牧区"筑根基 企业受益所有人信息备案不仅能较好支撑反洗钱工作，对于银行贷款业务开展也很重要。 ...