转自：新华财经 未来，中国银行宁波市分行将持续完善科创金融服务体系，为"专精特新"企业、高新技术企业提供覆盖 全生命周期的综合金融支持，以实际行动写好科技金融这篇大文章，为区域科创生态繁荣贡献更大力 量。（陈锡娇、郭奕彤） 编辑：赵鼎 在宁波余姚，一家从事包装制造和印刷的高新技术企业扎根当地20余年，品牌信誉卓著。随着企业生产 基地的扩建、设备的更新迭代和研发项目的持续推进，企业资金严重吃紧。中国银行宁波市分行在走访 中了解该情况后，立即组织工作小组开展对接调研，迅速为企业制定"科创贷"个性化融资方案，通过 1000万元授信的审批与发放，为企业带来资金"及时雨"，保障了其稳健运营与升级发展。 据悉，中行"科创贷"是为专精特新企业、高新技术企业等科技型市场主体量身定制的线上融资产品， 以"申请便捷、额度灵活、担保方式多样"的特点，能够有效匹配科创企业"轻资产、高成长"的特性，解 决其发展过程中的融资难题。截至2025年6月末，中国银行宁波市分行已累计为超过170家科技型企业提 供了"科创贷"服务，信贷支持总额突破10亿元，助力科技型小微企业在高质量发展的道路上加速奔跑。 中国银行宁波市分行持续深化"千企万户大走 ...

Core Viewpoint - The Shanghai Municipal Economic and Information Commission has issued a three-year action plan (2025-2027) to promote the rapid development of high-growth enterprises, focusing on increasing financial support and optimizing funding mechanisms for potential gazelle companies [1]. Group 1: Financial Support Initiatives - The plan emphasizes increasing entrepreneurial funding support, including direct financing through angel funds, venture funds, and corporate venture capital investments for early-stage gazelle projects [1]. - It encourages banks to establish specialized loan products such as "entrepreneur loans," "sci-tech loans," and "credit loans," facilitating a green approval channel for potential gazelle enterprises [1]. - The plan aims to enhance equity financing support by optimizing the assessment mechanism for state-owned funds, increasing tolerance for errors, and promoting various funds to support gazelle enterprises [1]. Group 2: Mergers and Acquisitions Support - The initiative supports unicorn companies in optimizing the industrial ecosystem through mergers and acquisitions, promoting technological advancement and independent innovation [1]. - It encourages participation from securities companies, asset management firms, private equity funds, and industrial investment funds in corporate mergers and acquisitions, including the establishment of acquisition funds [1]. - The plan promotes banks to expand the scale of merger loans, reasonably determine loan terms, and implement comprehensive credit for companies post-merger [1].

转自：新华财经 盛夏的关中平原骄阳似火，田地间滚圆翠绿的西瓜即将迎来上市潮。在陕西省渭南市大荔县，种植户李 先生为了抢占"头茬瓜"的销售先机而急需资金周转。得知他的需求，当地工商银行的客户经理主动上门 为其办理普惠专属产品，周转资金仅用一天时间便顺利到账。这正是工商银行陕西省分行（简称陕西工 行）为三秦大地注入普惠金融"活水"的一个片段。 今年以来，陕西工行不断深化普惠金融服务内涵，持续优化服务模式与产品体系。截至6月末，该行普 惠贷款余额突破500亿元大关，贷款净增超80亿元，服务普惠客户超4.7万户。 一方面，该行进一步强化普惠金融高质量发展的顶层设计，设立区域e贷推动委员会，立足区域资源禀 赋加大产品创新，目前已累计审核通过10项区域e贷活动方案，推动普惠金融在县域乡镇落地，持续擦 亮"工银兴农"金字招牌与金融为民底色。 另一方面，该行不断完善线上线下一体化、数字化、生态化的普惠金融服务渠道，通过建立新一代经营 快贷网格化管理机制、恢复新建七家小微金融中心，组建起四级联动、上下贯通的服务体系，持续提升 普惠金融服务的覆盖面、可得性和满意度。 放眼三秦大地，陕西工行打造了一系列叫得响、用得上的"陕味"普惠 ...

新华财经天津7月9日电 记者9日从天津市银行业重点合作投资机构参考清单2025发布会上获悉，天津银 行业基于重点合作投资机构参考清单（简称"投资机构清单"），积极探索多元化银投合作。截至今年6 月末，在津银行机构通过投贷联动模式累计发放贷款27.3亿元。 自去年初天津市银行业重点合作投资机构参考清单首次发布以来，天津在促进银投机构联动创新、支持 初创期科技型企业方面取得了良好成效。据统计，9家银行基于清单开展了投融资撮合、投联贷产品研 发等拓展创新，创设推出了"投联贷""新兴产业赋能贷""浦投贷""天津科创贷"等多款投贷联动产品。 今年5月，天津金融监管局等六部门联合印发《建立"科技—产业—金融"新循环长效机制工作方案》， 引领推动在津金融机构深化构建"科产融"良性循环。方案提出拓展"投资机构清单"，支持天津市银行业 协会与天津市基金业协会深化合作，在更大区域范围内遴选更新优质投资机构名单。 此次新发布的清单包含20家在京津冀三地注册并在中国证券投资基金业协会登记的基金管理人。银行机 构可在依法合规、风险可控基础上，与清单内机构在信息共享、项目推介、产品创新等方面深化合作， 通过"贷款+外部直投"、并购贷款、 ...

2025年以来，中国人民银行襄阳市分行以数字技术为驱动，推动数据赋能与场景应用深度融合，引导金 融机构依托资金流信息平台、"政采贷"线上平台、中小企业商业价值信用贷款平台、会计数据增信平 台，不断创新信贷服务模式，精准高效支持中小微企业。 中小企业商业价值信用贷款平台上线后，中国人民银行襄阳市分行通过专题培训、政策宣讲等方式，引 导金融机构加强平台应用。平台上线以来，襄阳市有7家金融机构与8家企业通过该平台达成融资协议， 涉及金额5200万元。 数据互联 "链动"企业融资 "从中标到获得贷款仅用10天，效率远超预期！"近日，谷城县某建筑安装工程公司负责人在获得8900万 元"政采贷"后连连称赞。据介绍，该公司中标某学校建设项目后，襄阳农商银行通过线上"政采贷"平台 抓取招标信息，依托中征应收账款融资服务平台与政府采购系统直联，通过整合政府采购合同信息，实 现从申请到放款全流程线上化，较传统模式大大缩短放款时间。该笔贷款的发放也标志着全市首笔中 征"工程贷"落地。 线上"政采贷"平台以政府采购合同为信用载体，通过政银企数据互联，为中小微企业提供"低利率、快 审批"的融资服务。中国人民银行襄阳市分行联合市县财政等 ...

为破解企业融资难题，深化金融与产业融合，7月4日，2025年湖南湘江新区金融到家系列"惠及千企 产融有招"投融资对接会在招商银行长沙分行私人银行 中心成功举办。本次活动由湖南湘江新区管理委员会财政金融局主办，湘江新区企业融资及上市服务中心和招商银行长沙分行承办。会议汇聚招商局资本、 啟赋资本、中金公司等头部投资机构专家，精准邀请了新区20余家优质科创企业参会，通过政策解读、融资策略分享、服务方案宣导以及现场交流等方式， 为辖区企业注入金融动能，全力助推新区经济高质量发展。 政银协同，创新产融新模式 招商银行长沙分行营业部综合支行行长刘洋女士强调了将深度协同湘江新区金融创新战略。针对新区风险补偿政策的风险共担、成本优化与效率提升三大机 制，招商银行已构建"基金+产业+科技"新型服务模式，为中小企业打造信贷审批"绿色通道"和股权融资对接渠道。凭借投商行一体化服务优势，招商银行创 新搭建"产融智库、产融生态、产融有招、产融科技"四合一的服务体系，精准匹配科技-产业-金融循环需求。 资本把脉，解码融资新策略 招商局资本中部区域执行董事陶恩先生指出目前市场发生了结构性转变，更看重企业现金流造血能力。出资主体从美元基金转 ...

Core Insights - The Guangdong Province Artificial Intelligence and Robotics Industry Innovation Product and Service Release Conference was held in Huizhou, with Postal Savings Bank Huizhou Branch participating as a co-organizer and exclusive bank [1] - The bank has launched various financial products to support the AI and robotics industry, including "Science and Technology Innovation Loan," "Online Easy Loan," and "Park Chain Group," providing over 12 billion yuan in loans to more than 300 technology enterprises [1][2] - Enya Musical Instruments, a small enterprise specializing in smart musical instruments, received financial support from the bank to alleviate funding pressure due to expansion efforts [2] Group 1 - The conference aimed to promote industrial innovation and upgrade through financial support [1] - Postal Savings Bank Huizhou Branch has developed a comprehensive financial service system to support the development of technology enterprises [1] - The bank's financial products are tailored to meet the needs of Huizhou's modern industrial clusters and industrial park construction strategies [1] Group 2 - Enya Musical Instruments is recognized as a provincial-level "specialized, refined, and innovative" enterprise, gaining global recognition for its innovative smart instruments [1][2] - The bank provided a combination of "Science and Technology Credit Loan" and "Construction Loan" to support Enya Musical Instruments with 15 million yuan in working capital and 40 million yuan for fixed asset construction [2] - The bank plans to deepen cooperation with the AI industry in Huizhou, injecting strong momentum into the industry's development [2]

Group 1 - Small and micro enterprises are crucial for job creation, market prosperity, and improving people's livelihoods, and financial management departments are actively implementing policies to address their financing difficulties [1] - In May, measures to support financing for small and micro enterprises were introduced, emphasizing the need for coordinated policy efforts to alleviate financing challenges [1] - Commercial banks are responding by increasing support for small and micro enterprises, utilizing financial technology to innovate service products and enhance the accessibility and convenience of financial services [1] Group 2 - A clothing processing company in Xiamen received a tailored loan solution from a bank, which included a combination of "惠企快贷" and "信用快贷," resulting in a total loan of 6.45 million yuan to meet its funding needs [2] - The wedding dress town in Liu'an, Anhui, has over 400 wedding dress production enterprises and generates an annual output value of 2.4 billion yuan [2] Group 3 - A wedding dress store owner faced a 30% increase in orders but struggled to procure materials due to cash flow issues, and received timely financing through the "皖美e贷" product [3] - The use of a funds flow information platform allowed a modern agriculture company in Hubei to secure a loan of 4 million yuan, enhancing the efficiency of the credit approval process [4] Group 4 - The establishment of a national credit information sharing platform for small and micro enterprises aims to improve access to financing by providing multi-dimensional support for financial institutions [4][5] - The platform allows banks to utilize cross-bank funds flow data and intelligent risk control models to enhance credit assessment for small and micro enterprises lacking traditional collateral [5] Group 5 - A chemical small enterprise in Xiangyang received a "commercial value" loan through a platform that quantifies business value into credit scores, addressing its funding shortage [6] - Postal Savings Bank has issued 4.5 trillion yuan in inclusive small and micro loans over the past three years, focusing on digital transformation to enhance financial service accessibility [6] Group 6 - Agricultural Bank's "科捷贷" product, designed for small technology enterprises, utilizes public data systems to determine credit limits, significantly improving approval efficiency [7] - The integration of intellectual property and innovation metrics into the lending process allows small enterprises to leverage their patents as financial assets [7]

7月2日，国际权威财经媒体英国《银行家》杂志（The Banker）公布了"2025年全球银行1000强"榜单。 在此次排名中，成都农商银行排名攀升至第194位，较上一年度上升6位。 英国《银行家》杂志发布的"全球银行1000强"榜单至今已有55年历史，榜单排名主要考量的是各银行一 级资本实力，反映了银行抗风险和利润增长的能力，是全球银行综合实力的标尺。 作为西部首家副省级农商行，成都农商银行近年来在"全球银行1000强"榜单中的排名不断跃升，从2021 年的第231位，到2025年的194位，五年间累计上升了37位。这一令人瞩目的成绩背后，究竟蕴藏着怎样 的"跃升密码"？ 稳健前行 迈向"万亿俱乐部" 从资产端看，成都农商银行不断强化国有企业和地方法人农商行担当，全力支持省市重大项目、重点产 业、重要领域，2024年末客户贷款及垫款总额达到4875.69亿元，同比增长14.54%。从负债端看，该行 坚持稳定核心负债，打造多元负债结构，2024年末负债总额达到8406.39亿元，同比增长9.57%。其中， 超八成负债来自客户存款，存款总额达6727.24亿元，同比增长10.50%，储蓄存款余额和增量连续两年 ...

Core Insights - Sichuan Provincial Finance Department, in collaboration with various industry authorities, has launched the "Tianfu Industry Loan" series of policy products to support the real economy and address corporate financing challenges [1][2][3] Group 1: Product Launch and Implementation - Luzhou Bank has effectively leveraged the advantages of the "Tianfu Industry Loan" products, characterized by low thresholds and costs, to serve the real economy and alleviate financing bottlenecks for enterprises [1] - The bank quickly collaborated with local guarantee institutions to implement a "loan-on-demand" guarantee model, successfully launching the first "Tianfu Science and Technology Loan," "Tianfu Foreign Trade Loan," and "Tianfu Manufacturing Loan" within two days [1] Group 2: Addressing Client Needs - Luzhou Bank responded promptly to a national high-tech enterprise facing a cash flow issue due to delayed export payments, successfully disbursing the first "Tianfu Foreign Trade Loan" of 2 million yuan within two days, significantly reducing financing costs for the client [2] - The bank maintained close communication with a provincial specialized enterprise to address its credit limit challenges, successfully providing the first "Tianfu Science and Technology Loan" of 5 million yuan, effectively resolving the client's refinancing difficulties [2] Group 3: Future Strategy - Luzhou Bank plans to utilize its advantages of a short decision-making chain and quick information response to focus on customer needs, expanding the reach of policy benefits through differentiated products like "Tianfu Science and Technology Loan" and "Tianfu Manufacturing Loan" [3] - The bank aims to support the high-quality development of the real economy in Luzhou City by matching products with enterprise characteristics and addressing financing challenges [3]