您见过移动的宠物洗澡车么？ 西安泾河工业园，陕西飞宇科技商贸有限公司（下称"飞宇科技"）占地2万平方米的生产基地内，一辆 亮粉色、绘有卡通猫狗图案的新能源汽车格外醒目。打开车门，专业洗护舱、热水器、吹风机等一应俱 全，只需一个停车位，就能为社区养宠家庭提供便捷的上门服务。 这辆"萌宠洗护车"是飞宇科技特种车产品线上的新成员。从填补陕西特种车改装市场空白，到手握15项 自主知识产权和专利技术，成长为国家级高新技术小微企业，飞宇科技成长的背后，是北京银行西安分 行长期稳定的金融支持。 当金融"活水"遇上"硬核"科技，如何精准滴灌，方能滋养民生、驱动发展？日前，记者随中国银行业协 会走进陕西省西安市，深入探访金融力量支持科技创新的实践成果。飞宇科技车间里的生动实践，为我 们提供了一个宝贵的观察窗口。 "及时雨"扭转企业被动局面 走进飞宇科技生产基地，一派繁忙景象。 几名工人正忙着为一辆改装救护车安装呼吸机供氧系统；不远处，一辆即将交付的通信指挥消防车顶 部，无人机升降平台与卫星通讯天线格外引人注目；而几台涂装醒目、科技感十足的新型无动力移动智 慧警务舱，已完成最后调试，准备驶向西安街头。 从服务宠物经济的"萌宠洗护 ...

资源倾斜强支撑，流程优化提效能 作为民营经济蓬勃发展的前沿阵地，嘉兴孕育出了一批行业领军企业，在全国经济版图上熠熠生辉。在 这片充满活力的土地上，中信银行嘉兴分行持续强化金融赋能，助力当地民营经济高质量发展。 在"专精特新"领域，该分行实现深度覆盖与重点突破：精准对接嘉兴各级"专精特新"制造企业名录，服 务覆盖率超80%；为6家新材料、高端装备领域的"小巨人"企业提供信用贷款，破解轻资产企业融资难 题；积极探索股权质押、应收账款质押等创新融资模式，全年通过创新模式投放贷款超9亿元。 创新产品优服务，赋能集群共发展 嘉兴作为"135N"先进制造业集群的重要承载地，在新材料、智能光伏等产业领域优势明显。中信银行 嘉兴分行紧跟产业升级步伐，2024年累计投放70亿元资金，助力产业集群高质量发展。 中信银行嘉兴分行持续创新金融产品，为民营企业提供多元融资选择。成功为某玻璃纤维龙头企业发放 1.5亿元科技创新债，实现系统内非上市民营企业科创债业务"零"的突破；通过"科创e贷"为73家"专精特 新"小微企业发放8.97亿元贷款，其中制造业企业占比超95%；依托"信e链""商票e贷""经销e贷"等产 品，分别为供应链上下游 ...

Group 1: Core Insights - The Industrial and Commercial Bank of China (ICBC) Guangxi Branch is actively promoting inclusive finance, focusing on four key areas: industry, agriculture, commerce, and technology [1][2] - As of March 2025, the inclusive loan balance of ICBC Guangxi Branch reached nearly 50 billion yuan, with an average annual growth rate of 48% over the past three years [1] - The "Cluster Merchant e-loan" product has been launched to address the financing needs of small and micro enterprises, with a loan balance exceeding 2.5 billion yuan within a year [1][3] Group 2: Support for Small and Micro Enterprises - ICBC Guangxi Branch signed a 10 billion yuan credit intention agreement with the Guangxi Individual Laborers and Private Enterprises Association to support individual businesses [2] - The bank is implementing various initiatives to enhance financial support for small and micro enterprises, including the "Three-in-One" service package for merchants [2] Group 3: Regional Economic Development - The Yulin City, known as the "Southern Country Fragrance Capital," is the largest spice raw material production and distribution center in China, with an annual trading volume exceeding 30 billion yuan [3] - ICBC Yulin Branch has provided over 200 million yuan in "Cluster Merchant e-loans" to 137 spice merchants, addressing their financing challenges [3] Group 4: Specific Industry Support - In the Hechi City Yizhou District, the local silk industry faces significant cash flow challenges, with collection stations needing to pay farmers up to 700,000 yuan daily [5] - ICBC Guangxi Branch has introduced a tailored "Silk Purchase Cluster Merchant e-loan" to support the financing needs of silk collection stations, providing 130 million yuan to 35 stations as of March 2025 [5][6]

转自：中国质量报 "针对骏程金属，我们打出了'科创信用贷+敞口银承+国际业务'的'组合拳'，提供了1.38亿元授信额 度。"邮储银行聊城市分行相关负责人说。刘淑新说，在邮储银行的金融支持下，公司加速推进智能化 改造与新产品研发，积极抢占高端市场。 走进德州兴隆皮革制品有限公司的生产车间，智能化制革设备高速运转，鞣制、染色、定型，每一道工 序都精准衔接。"下半年行业需求将持续攀升，我们的生产线已提前进入'冲刺'状态。"企业负责人冯忠 河说。 德州兴隆皮革制品有限公司创新研发的无铬鞣制技术，使产品环保指标远超国际标准。该公司还与齐鲁 工业大学共建产学研基地，在制革废弃物资源化利用领域取得了突破性进展。目前，公司已拥有28项专 利、5项软件著作权，主导参与制定多项行业技术标准，其生产的汽车坐垫革、真皮家具革等产品远销 全球，为一些行业内头部品牌长期供货。 邮储银行陵城支行负责人魏博介绍，针对企业的资金需求，支行在国家金融监督管理总局陵城金融监管 支局支持指导下，加大当地企业走访对接力度，开辟绿色通道，仅用5个工作日便为该企业完成2500万 元"科创e贷"纯信用贷款审批，其中2000万元已用于原材料采购及生产线智能化 ...

6月26日，山东省"弘扬中国特色金融文化 培育'好品金融'品牌"工作座谈会在济南召开。会上，中国工 商银行山东省分行党委书记、行长李峰作主题发言，全面介绍了该行"赋能新质生产力高质量发展"的探 索实践。 在支持科技创新方面，山东工行先行先试、综合施策，推动科技金融发展"全面铺开、积厚成势"，多次 在人行科技金融服务评估中获评"优秀"。5 月末，科技型企业贷款、战略性新兴产业贷款余额"双 破"2000 亿元关口，增量"双超"400 亿元。科技型企业中长期贷款、科技中小企业贷款同比增速达 22.6%、29%，均高于全省平均水平，并率先承销全国首批、山东首单"科技创新债券"。同时，从"体 制、产品、生态"三端发力，走出了一条工行特色的发展道路。体制上，成立科技金融委员会，挂牌"省 级科技金融中心"，在济南、烟台设立分中心，成立 43 家科技支行，建立起层次分明、覆盖完整 的"1+2+N"科技金融专营架构；产品上，对大中小微企业分类施策，匹配研发贷、人才贷、科创e贷等 个性化产品，陪伴企业一路成长；生态上，与省金融办、科技厅、工信厅等强化合作，多点推进、连线 成面，打造服务生态，汇聚发展合力。尤其是将支持科技创新和大 ...

Core Insights - The "Good Financial Products" list for 2025 has been officially released, highlighting Shandong Industrial Bank's case of "promoting technological innovation and equipment renewal loans" as a significant contribution to high-quality financial services [1] - Shandong Industrial Bank has actively engaged in the "Two New" initiatives since the State Council's deployment, demonstrating a commitment to enhancing service precision for the real economy [1] Group 1 - Shandong Industrial Bank has issued the first technological innovation loan and the first equipment renewal loan in the province (excluding Qingdao), leading in total funding amounts [1] - A dedicated task force has been established to implement a responsibility system, ensuring effective communication of central policies and business guidance [1] - The bank has organized meetings to promote technological innovation and technical transformation, proactively engaging with potential projects and clients [2] Group 2 - The bank has optimized business processes by establishing a green channel and a special mechanism for rapid response, enhancing communication and collaboration [2] - Innovative financial products such as "Sci-Tech e-loan," "Points Loan," and "Sci-Tech R&D Loan" have been launched to meet the financing needs of technology-driven enterprises [2] - The "Equipment Purchase Green Loan" has been tailored to match the rapid technological updates in the industry, simplifying procedures for loans under 100 million [2]

Core Insights - The article highlights the initiatives taken by the Shandong branch of the Industrial and Commercial Bank of China (ICBC) to support high-quality financial services that drive economic and social development, particularly in technology innovation and green finance. Group 1: Financial Services for Technology Innovation - Shandong ICBC has developed a comprehensive plan to support new productive forces, focusing on technology innovation and large-scale equipment upgrades, with strategic emerging industry loans exceeding 200 billion yuan, ranking first in the industry as of May 2025 [2][3]. - The bank has introduced various innovative loan products such as "Sci-Tech e-loan," "Points Loan," and "Sci-Tech R&D Loan" to meet the financing needs of technology enterprises [3]. Group 2: Equity Investment and Collaboration - Shandong ICBC has actively participated in the "Financial Direct to Grassroots Acceleration" initiative, approving loans exceeding 169.5 billion yuan for 355 projects across 14 cities, with a total disbursement of over 60 billion yuan [4]. - The establishment of the Jinan Gongrong Guohui Equity Investment Fund, with a total scale of 1 billion yuan, aims to invest in strategic emerging industries within Shandong province [4][5]. Group 3: Green Finance Initiatives - The bank has launched innovative green financial products, such as marine carbon sink expected revenue rights pledge loans, to enhance financing channels for enterprises while promoting ecological sustainability [6][7]. - The "Lushan Bay Oyster Integration Development Demonstration Zone Project" received a 50 million yuan loan, marking the first marine carbon sink expected revenue rights pledge loan in Shandong province [7]. Group 4: Inclusive Finance for Small and Micro Enterprises - The "Qilu Xingnong Loan" product, tailored for agricultural needs, has seen a loan balance exceeding 6.3 billion yuan, with a growth rate of over 38% since the beginning of the year [8]. - The bank has implemented an automated and streamlined approval process for financing applications, enhancing accessibility for small and micro enterprises [8]. Group 5: Elderly Care Financial Services - The "Silver Industry Cloud" platform provides a comprehensive range of financial services for the elderly, integrating various aspects of elderly care and management [9]. - The platform aims to enhance operational efficiency and service quality in elderly care institutions, with plans to add 43 new clients by 2025 [9]. Group 6: Digital Financial Innovations - Shandong ICBC has developed a "Smart Agricultural Service Platform" based on open banking and digital currency smart contracts, providing integrated financial services for rural revitalization [10][11]. - The platform addresses key issues such as online business operations and fund supervision, significantly improving transaction efficiency and control [11].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is focusing on enhancing technology finance services to support high-tech and specialized enterprises, aiming to boost regional economic development through targeted financial support [1][2][3] Group 1: Financial Performance - As of May 2025, the bank's technology finance loan balance exceeded 800 million yuan, marking a 14% increase from the beginning of the year [1] - Loans for strategic emerging industries reached over 4.3 billion yuan, with a significant growth of 62.68% compared to the start of the year [1] - Loans to specialized and innovative enterprises surpassed 480 million yuan, reflecting a remarkable growth of 169% year-to-date [2] Group 2: Service Mechanism - The bank has established a specialized working group to enhance service efficiency, integrating resources across various departments to support technology finance [1][3] - A dedicated technology finance branch, Nanzhu Technology Branch, has been set up to provide specialized services for technology-driven industries [2] - The bank is actively collaborating with local government technology departments and high-tech enterprises to ensure financial resources reach innovative sectors [1][3] Group 3: Innovative Financial Products - The bank has developed tailored financial solutions to address the unique needs of technology enterprises, such as knowledge property pledge financing [2] - A notable achievement includes the issuance of a 5 million yuan working capital loan to a specialized aquatic enterprise, marking a breakthrough in knowledge property pledge financing [2] - The bank promotes various online financial products like "Science and Technology e-loan" and "Industrial e-loan" to meet diverse financing needs [2] Group 4: Collaborative Ecosystem - ICBC Beihai Branch is building a collaborative service ecosystem involving finance, government, industry, and institutions to enhance service delivery to technology enterprises [3] - The bank has formed flexible teams across different lines of business to implement targeted marketing strategies for key specialized enterprises [3] - Active participation in government-enterprise matching activities has improved the precision and coverage of service delivery [3]

搭建平台深化合作 政银企携手共促发展 本报记者 曹沛原 通讯员 冯静 邮储银行广西贺州市分行始终坚守服务"三农"、城乡居民和小微企业的初心使命，通过推动支持小微企 业融资协调工作机制落实落细、开展"千企万户"大走访活动、深化政银企合作等一系列扎实举措，将金 融活水精准引向实体经济，助力小微企业蓬勃发展。2024年10月15日至今，该分行累计走访对接小微企 业、个体工商户等市场主体1500余户，累计放款金额5.26亿元，以实际行动彰显金融担当。 创新产品精准滴灌 科技金融助力科创发展 邮储银行贺州市分行不断加大对科创企业的金融支持力度，成立科技金融领导小组及专项工作组，设置 专业服务专员，并深入开展"入园惠企"专项活动。针对科创企业"轻资产、重技术"的特点，该分行丰富 了知识产权质押、股权质押、设备抵押等多样化担保方式，创新推出"科创贷""科创e贷"等专属金融产 品，通过"线上+线下"的服务模式，有效提升融资覆盖率，为科创企业提供全生命周期的金融服务。 贺州市五全新材料有限公司是一家省级专精特新企业，专注于高端碳酸钙粉体的研发、生产与销售，凭 借自身的资源和技术优势在行业内崭露头角。然而，随着市场需求不断增长， ...

围绕"工、商、农、科"四大客群,工行德州分行构建起"数字普惠+供应链金融+乡村振兴"的三维服务体 系。在数字普惠领域,依托e抵快贷、e企快贷等产品,今年新增抵押类贷款4亿元,其中首笔500万元"e扩快 贷"成功落地,为轻资产企业开辟融资新渠道。经营快贷通过开放获客功能,实现全线上化审批,客户从申 请到放款平均时效压缩至2.3小时,新增信用贷款3.44亿元。服务乡村振兴方面,该行创新推出"种植e 贷""养殖e贷"等特色产品,截至5月末涉农贷款余额突破200亿元,其中普惠型涉农贷款增速达16.45%,高于 全行涉农贷款增速4.4个百分点。通过"政府增信+农担合作"模式,为432户新型农业经营主体提供融资支 持,某草莓种植大户获得300万元贷款后,种植规模扩大3倍,带动就业120余人。 机制创新 深化服务覆盖 日前,中国人民银行德州市分行公布2025年一季度小微企业信贷政策导向效果评估结果,工行德州分行凭 借优异的业绩和多维创新实践,获评"优秀",这也是当地唯一获此殊荣的国有商业银行。荣誉的取得,标志 着该行在普惠金融领域的深耕细作取得阶段性成果,其"党建铸魂、内控筑基、创新赋能"的三维发展模 式,为金融服务实体经 ...