优化并购贷款服务 并购重组是支持经济转型升级、实现高质量发展的重要市场工具。当前，我国经济正处于新旧动能转换 的关键时期，进一步活跃并购市场有利于优化资源配置，助力传统产业改造升级，加快塑造经济发展的 新动能、新优势。 立足新形势下的并购市场发展需求，金融监管总局对原有的《商业银行并购贷款风险管理指引》（以下 简称《指引》）进行了全面修订并形成《办法》，拟从四方面入手，进一步优化并购金融服务。 并购贷款的适用范围有望拓宽。在《指引》适用的控制型并购交易的基础上，《办法》进一步允许并购 贷款支持满足一定条件的参股型并购交易。《办法》所称的并购贷款，是指商业银行向境内并购方企业 或者其子公司发放的、用于支付并购交易价款（含交易费用）的贷款，根据用途分为控制型并购贷款、 参股型并购贷款。 "这意味着，如果企业不是为了完全控制另一家企业，而是为了战略投资、业务合作，也能够申请并购 贷款。"招联首席研究员董希淼说。中国银行深圳市分行大湾区金融研究院高级研究员曾圣钧表示，这 可以激活并购市场活力，打破控股型交易限制，将参股型并购纳入支持范围，为产业链协同、技术引进 等战略投资提供资金保障，推动并购从"规模扩张"向"质量提 ...

数据为证。招商银行深圳分行2025年1月至6月小微企业创业担保贷发放额保持全市第一；深圳地区普惠 型小微企业贷款规模及户数均位居本地股份制银行首位。 打破传统科技金融信贷桎梏，让"知产"变"资产" 招商银行深圳分行高度重视知识产权这一"无形资产"的"有形价值"，打破传统信贷桎梏，积极探索"知 产"变"资产"的有效模式。 深圳JJSH科技公司成立于2019年，旗下潮流设计师品牌曾获多个国际设计大奖，公司成立第三年即在 招商银行深圳分行首获500万授信。伴随订单规模增长，一年后为其增额至1500万元。2024年，公司营 收破4亿大关，招商银行深圳分行利用科创贷对企业发展潜力的精准评估和政府知识产权质押贴息政 策，为客户增额至3000万元。 从边陲小镇崛起为全球创新之都，站在深圳经济特区成立45周年的重要节点，金融业的支撑作用不可或 缺。 秉承招商血脉、海辽精神、蛇口基因，招商银行深圳分行从成立以来主动从落实国家重大战略、服务改 革开放的高度，干在实处、走在前列，坚定不移地服务深圳经济社会发展大局，诠释了"以客户为中 心，为客户创造价值"的金融担当。深耕特区三十余载，风华正茂再出发。现在，让我们通过招商银行 深圳分 ...

从边陲小镇崛起为全球创新之都，站在深圳经济特区成立45周年的重要节点，金融业的支撑作用不可或 缺。 秉承招商血脉、海辽精神、蛇口基因，招商银行深圳分行从成立以来主动从落实国家重大战略、服务改 革开放的高度，干在实处、走在前列，坚定不移地服务深圳经济社会发展大局，诠释了"以客户为中 心，为客户创造价值"的金融担当。深耕特区三十余载，风华正茂再出发。现在，让我们通过招商银行 深圳分行的"深实践"，更好读懂这家崛起于特区的商业银行的价值坐标和精神内核。 从"周转难"到"三天达"，普降"及时雨" 宝安区一科技公司主营手机研发与销售的科技型企业，下游客户主要为国外电信龙头企业，上下游存在 账期差，订单需求增加较大，多重原因导致急需一笔临时资金帮助公司解决账期问题。 收到该企业的诉求后，经深圳市宝安区海滨社区牵线，招商银行深圳分行工作人员第一时间了解需求， 次日便上门了解经营情况并审批额度，第三天便为企业发放了一笔255万元的信用贷款。获得企业高度 认可。 实际上，这只是做好普惠金融大文章的一个"微切口"。今年来，招商银行深圳分行与社区深度合作，协 助开展"千企万户大走访"，实现信贷资金直达基层。 数据为证。招商银行深圳 ...

泰安某食品科技公司生产车间内，高速运转的生产机器与生产工人的忙碌身影交织成一幅热火朝天的生 产图景。公司成立于2012年，拥有30吨间歇式精炼生产线、100吨生脂熬油生产线及年处理毛油10万吨 的能力。近日，这家专注于油脂研发生产的高新技术企业，凭借两项核心专利技术，从泰安银行获得 1000万元贷款，顺利推动了动物油脂产品研发联合实验室建设。 在支持科创企业发展的过程中，泰安银行不断创新金融产品，丰富产品货架，针对科创企业研发周期 长、轻资产特点，强化知识产权运用，围绕科创企业的实用新型专利、商标权、著作权等专利权，通过 灵活设置贷款额度、期限、还款方式，精准匹配企业经营节奏，推出"科创贷"系列产品矩阵，涵盖知产 贷、人才贷、科技成果转化贷等专属产品，为拥有核心知识产权的科创企业设计"专利+场景"的融资方 案，实现资金与技术转化的高效对接。 "以前总以为要想获得贷款，只能通过担保或者用房产作抵押的方式，没想到质押知识产权也能贷款， 而且额度高、办贷快，给我们企业提供了极大便利！"企业负责人感慨道。 泰安银行高度重视企业融资的体验感、获得感，持续优化知识产权授信申请、质押和审查、贷款发放及 授信后管理等全流程服 ...

Core Insights - The article highlights the integration of innovation-driven enterprises and research institutions in Shanghai's Songjiang District, which serves as a hub for emerging industries such as high-end equipment, new materials, and biomedicine, forming a complete innovation and industrial chain that drives regional economic development [1] Group 1: Financial Services and Innovation - The "fund + park + industry" integrated service model established by China Merchants Bank Shanghai Branch aims to better serve technology enterprises by providing a comprehensive financial service ecosystem [1][2] - As of June, the national technology loan balance reached 44.1 trillion yuan, with a year-on-year growth of 12.5%, outpacing the overall loan growth by 5.8 percentage points [1] Group 2: Benefits of Industrial Parks - Technology enterprises benefit from industrial parks through professional support that meets their high R&D demands, with R&D investments typically accounting for 15%-30% of revenue [3] - Industrial parks facilitate resource integration and collaboration among technology enterprises, enhancing their competitive edge through vertical industry cluster effects [3] Group 3: Financial Innovation and Support - China Merchants Bank has introduced the "Science and Technology Talent Loan" to address financing challenges faced by small and micro technology enterprises stemming from their asset-light nature [6] - The bank has developed a technology enterprise qualification scoring model to identify growth potential beyond financial metrics, offering tailored financing products such as "Science and Technology Loans" [6][7] Group 4: Future Directions in Financial Services - The focus on creating a comprehensive financial service ecosystem for industrial parks includes integrating external resources and establishing long-term communication mechanisms with government departments and industry associations [4] - The bank plans to enhance its technology financial services by transforming more branches into "technology financial specialty branches" over the next three years [8]

"'专精特新'企业的成长是一场马拉松，需要稳定、适配、可持续的金融支持服务方案。邮储银行对我 企业的支持远非'一贷了之'。"万洲机械相关负责人说。 邮储银行玉环市支行为企业提供了承兑汇票、账户结算、企业代发、理财保险、信用卡等一系列服务， 并持续关注企业不同阶段的产品需求，提供一揽子的金融服务，既方便便捷，又降低财务成本。 转自：新华财经 "专精特新"企业作为产业链上的"隐形冠军"，是科技创新的主力军和经济高质量发展的重要支撑。在浙 江玉环，一股澎湃的金融动能正悄然滋养着经济高质量发展的微观根基。 台州万洲机械股份有限公司，玉环制造业省级"专精特新"企业、国家高新技术企业，正是创新浪潮中的 佼佼者。作为汽车、摩托车精密零部件领域的核心供应商，万洲机械公司随着转型升级，规模不断扩 张、持续加码研发投入。然而，当创新的雄心遭遇流动性的掣肘，资金缺口一度成为横亘在成长路上的 巨石。 面对"专精特新"企业的发展瓶颈，邮储银行玉环市支行以敏锐的触觉和精准的服务，将金融活水引向创 新的沃土。该行积极围绕"专精特新"和科创企业生产经营需求，推出科创贷、科创e贷等专属信贷产 品。其中，针对"专精特新"企业信用贷款额度最高可达 ...

Core Viewpoint - The article emphasizes the importance of upgrading traditional industries to enhance supply chain resilience and economic security, while also supporting the development of a strong manufacturing nation through financial support for advanced manufacturing enterprises [2] Group 1: Company Overview - Feimaotai Group, established in 1997, has transformed from a leading mobile phone battery manufacturer to a diversified high-tech enterprise focusing on mobile smart terminal batteries and new energy products, achieving over 10 billion yuan in sales by 2019 [3][4] - The company has expanded its operations into various sectors, including consumer electronics, small power, industrial energy storage, and low-altitude flying devices, establishing a comprehensive R&D system with over 500 patents [4][5] Group 2: Financial Support for Manufacturing Upgrade - Feimaotai Group received a 50 million yuan loan from Postal Savings Bank within two weeks to support production for a VR glasses battery order, highlighting the bank's role in providing timely financial assistance [5] - The company has established deep partnerships with major domestic and international brands, benefiting from favorable loan conditions due to its status as a high-tech enterprise, which allows for quicker approvals and lower interest rates [5][6] Group 3: Industry Trends and Bank Support - The Postal Savings Bank has been actively supporting the transformation and upgrading of the manufacturing sector in Fujian Province, with manufacturing loans reaching 35.8 billion yuan and serving over 2,700 technology-based enterprises [7][8] - The bank has developed a comprehensive financial service strategy, focusing on key industries and providing targeted financial products to support the growth of advanced manufacturing enterprises [8]

Core Viewpoint - The Agricultural Bank of China Yuxi Branch is committed to supporting the development of agricultural machinery equipment, which is crucial for building a strong manufacturing country and ensuring national food security [1][2]. Financial Support Measures - The bank offers various credit products for agricultural machinery purchase, leasing, or upgrading, including fixed asset loans, technology loans, and personal loans, with a total of 44.24 million yuan in loans supporting agricultural machinery as of June [1][2]. - The bank's support for agricultural machinery is a concrete measure to implement the rural revitalization strategy, promoting agricultural technology upgrades and improving the bank's credit structure [1]. Risk Management Strategies - The bank addresses the unique risks associated with agricultural machinery loans through financial technology, innovative risk-sharing mechanisms, and optimized loan methods, enhancing the accessibility and sustainability of these loans [2]. - The bank utilizes mobile internet, big data, and artificial intelligence for online processing of loans, and offers flexible repayment options to alleviate cost pressures on agricultural enterprises and farmers [2]. Future Plans - The bank plans to continue innovating and promoting credit products, focusing on high-quality small and micro enterprises in the agricultural sector [3]. - It aims to enhance financial coverage for agricultural industrial chains, particularly for leading enterprises, and increase loan support for green and intelligent agricultural machinery [3]. - The bank will leverage central bank policies to provide preferential interest rate loans for the replacement of old agricultural machinery and the procurement of intelligent agricultural equipment [3].

Economic Performance - Chengdu achieved a GDP of 12,108.2 billion yuan in the first half of the year, with a year-on-year growth of 5.8% [1] - Fixed asset investment grew by 6.0%, while private investment, excluding real estate, surged by 13.2% [1] Business Environment Initiatives - Chengdu has implemented a "one-code inspection" system since February, covering approximately 400 million business entities and over 30,000 law enforcement personnel, enhancing regulatory efficiency and reducing burdens on enterprises [2] - The city has established 24 government-enterprise liaison groups and an online channel for business feedback, facilitating better communication between the government and enterprises [2] Financial Support for Enterprises - Chengdu has introduced financial products like Sci-Tech Loans and Talent Loans, providing over 50 billion yuan to more than 5,400 technology enterprises based on their operational data and credit scores [3] - The city conducts regular technology achievement matching activities, creating a one-stop service for innovation and market access [3] Innovation and Collaboration - Chengdu has fostered partnerships between enterprises and innovation platforms, exemplified by a collaboration between a technology company and a research team from the University of Science and Technology of China [3] - The city continues to explore new industries and improve its business environment through ongoing reforms and innovative practices [4]

Core Viewpoint - Small and micro enterprises are crucial for economic growth, job creation, and innovation, and Guangfa Bank is committed to enhancing financial support for these enterprises while aligning its development with social and economic progress [1] Group 1: Financial Support for Small and Micro Enterprises - Guangfa Bank's inclusive finance loans for small and micro enterprises showed a positive trend in the first half of 2025, with loan growth exceeding the average growth rate of all loans by 2.08 percentage points [1] - The weighted average interest rate for newly issued inclusive loans decreased by 32 basis points compared to the beginning of the year, and the non-performing loan ratio for these loans is below the tolerance plan value [1][2] - The bank has established a diverse range of inclusive financial products, including "Science and Technology Loans" and "Easy Loans," to meet the varied needs of small and micro enterprises [2] Group 2: Rural Revitalization Efforts - Guangfa Bank is actively involved in rural revitalization, with inclusive agricultural loans growing over 9% compared to the beginning of the year [3] - The bank has launched specialized financial products like "Agricultural Loans" and "Pineapple Loans" tailored to local agricultural industries, particularly in Guangdong [3] - By the end of June, the bank had issued over 310 billion yuan in loans related to the "Hundred Million Project," with nearly 70 billion yuan added in 2025 [3] Group 3: Coordination Mechanism for Financing - Following the establishment of a coordination mechanism for supporting small and micro enterprise financing, Guangfa Bank has implemented an action plan focusing on optimizing design, improving mechanisms, and enhancing service quality [6] - The bank has engaged with over 120,000 small and micro enterprises, providing credit exceeding 110 billion yuan to those on the "recommendation list" [6] - Guangfa Bank aims to strengthen its role as a central enterprise member by offering more precise products and efficient services to support the high-quality development of small and micro enterprises [6]