转自：新华财经 近年来，中信银行呼和浩特分行深入贯彻中央金融工作会议精神，将"五篇大文章"作为服务内蒙古自治 区高质量发展的核心引擎，融入经营管理全过程，立足北疆区域特色打造全方位、多层次的金融服务生 态，为地方发展注入强劲金融动能。 科技金融：科创赋能激活发展引擎 中信银行呼和浩特分行将科创企业列为重点授信方向，精准发力，提升对科创企业的综合金融服务能 力。依托中信集团"金融全牌照+实业全覆盖"的独特优势，该行打造"全金融牌照、全周期产品、全场景 服务"专属合作方案、推出"科创E贷"等多元服务模式。同时，聚焦内蒙古自治区"科技兴蒙"行动优化科 创企业全生命周期服务。截至2025年三季度末，该行科技金融贷款余额达96亿元，其中一般贷款较年初 增长5.51亿元，为自治区能源和战略资源基地建设注入创新活力。 绿色金融：绿贷助力绘就北疆生态底色 中信银行呼和浩特分行立足区域特色，将绿色金融作为服务自治区高质量发展的重要抓手，为不同发展 阶段、不同行业属性的企业提供差异化金融服务。在传统信贷领域，该行创新推出低碳／零碳园区贷、 碳排放权质押融资，破解绿色项目融资难题；对于大型绿色项目，该行充分发挥银团贷款优势，联合系 ...

作为金融机构代表，中信银行（601998）深圳分行受邀参加了会议，在接受证券时报记者采访时，中信 银行深圳分行相关负责人表示："当前，无论是新兴技术的研发，还是科技成果的转化，抑或是现代化 产业体系的建设，都需要以金融发展与科技创新的有机耦合作为强有力的支撑。"据了解，在大湾区这 片创新热土上，科技与金融正在进行一场精彩的"双向奔赴"，而中信银行深圳分行正深度融入粤港澳大 湾区发展大局，全力担当科技金融"主力军"。 融入最佳"试验田"，助力大湾区科创实现新突破 2024年，粤港澳大湾区以不到全国0.6%的国土面积，不足全国6%的人口数量，创造出了全国1/9的经济 总量。官方数据显示，仅粤港澳大湾区内地9市，高新技术企业就超过7.1万家，国家级制造业单项冠军 企业达190家，专精特新"小巨人"企业达2089家。这些科技企业数据，印证了粤港澳大湾区不仅是科技 创新的"沃土"，更是孕育未来产业的"摇篮"。 近日，第二十届中国经济论坛平行论坛——2025大湾区科技与金融创新发展大会在广州南沙顺利举办， 会议围绕"金融赋能科创，共筑湾区未来"的主题进行分享和思考。 "深圳市有着超6%的全社会研发投入强度，约占全国1/3 ...

Core Viewpoint - The article emphasizes the importance of financial support for technological innovation in the Guangdong-Hong Kong-Macao Greater Bay Area, highlighting the role of CITIC Bank Shenzhen Branch as a key player in this integration of finance and technology [1][3]. Group 1: Economic Contribution of the Greater Bay Area - In 2024, the Greater Bay Area, covering less than 0.6% of the national land area and accounting for less than 6% of the population, generated 1/9 of the national economic output [3]. - The region hosts over 71,000 high-tech enterprises, 190 national-level manufacturing champions, and 2,089 specialized and innovative "little giant" companies, showcasing its status as a fertile ground for technological innovation [3]. Group 2: Role of CITIC Bank in Technological Finance - CITIC Bank Shenzhen Branch is deeply integrated into the development of the Greater Bay Area, actively supporting the "20+8" strategic emerging industry clusters through innovative financial products like "Investment-Loan Linked Points Card" and "Technology Talent Loan" [3][4]. - The bank leverages its full-license financial capabilities and follows a "One CITIC, One Client" principle to provide a comprehensive service model that includes investment, research, and commercial banking [6]. Group 3: Policy and Market Innovations - The bank capitalizes on Shenzhen's policy flexibility and market sensitivity to address institutional barriers in technological finance, engaging in cross-border financial innovations and capital project openings [4][6]. - CITIC Bank Shenzhen Branch is committed to aligning its development strategy with regional industrial planning, utilizing platforms like Qianhai for cross-border financial innovation [4]. Group 4: Comprehensive Support for Technology Enterprises - The bank focuses on the entire lifecycle of technology enterprises, offering tailored services that include collaboration with private equity, industry capital, and consulting firms to provide comprehensive financial and advisory services [6][7]. - CITIC Bank Shenzhen Branch aims to enhance its support for technology enterprises by exploring partnerships with universities and research institutions to facilitate early-stage technology transfer and financing [7].

Core Insights - Zhangye City in Gansu Province is focusing on addressing the financing challenges faced by small and micro enterprises by building a diversified financing service system to effectively support business development [1][2] Financing Initiatives - The city has implemented a "silver-tax interaction" mechanism, allowing enterprises to convert their tax credit into financing capital, resulting in 3,817 small and micro enterprises receiving a total of 1.687 billion yuan in loans [1] - Financial institutions are customizing innovative financing products tailored to local industry characteristics, such as the first "de-core chain loan" of 850,000 yuan for a public hospital's upstream pharmaceutical suppliers [1] Agricultural Financing - Various products like "live loans," "Hexi Corridor seed industry loans," and "rural revitalization livestock and poultry loans" have been introduced to alleviate financing difficulties for agricultural operators [2] - The total balance of green loans in the city reached 18.687 billion yuan, with a growth rate exceeding the average growth rate of all loans by 3.78 percentage points [2] Technology and Innovation Financing - Products such as "Sci-Tech E-loan" and "Xinglong Intellectual Property Loan" provide rapid credit services to enterprises, with 56 companies receiving a total of 314 million yuan through patent pledges [2] Government Support - The Gansu Jinkong Zhangye Guarantee Company has provided guarantees totaling 839 million yuan for 277 operating entities from January to October this year [2] Future Outlook - By October 2025, the loan balance for small and micro enterprises in Zhangye City is expected to reach 51.245 billion yuan, reflecting a year-on-year growth of 7.03%, which will invigorate business vitality [2]

Core Insights - The article discusses the collaborative efforts of the People's Bank of China in Jinan, local government, and various institutions to enhance financing for technology enterprises through a new mechanism that integrates finance, technology, and talent [1][6]. Group 1: Financing Mechanisms - As of July 2025, the balance of technology loans in Jinan reached 73.646 billion yuan, reflecting a year-on-year growth of 17.27% [1]. - A total of 1,683 enterprises were surveyed to identify key financing needs, resulting in 375 effective financial demands amounting to 4.9 billion yuan [3][5]. - The establishment of a dynamic "whitelist" of over 1,000 high-tech and technology-based SMEs allows for targeted financial support and collaboration with banks [5]. Group 2: Case Studies - Jiangxi Xinyang Precision Technology Co., Ltd. secured a loan of 9.5 million yuan at an interest rate of 3.2% after receiving guidance on financing policies, saving over 200,000 yuan in financing costs [2]. - Ji'an Dehe Tungsten Industry Co., Ltd. received 5 million yuan in financing within one working day through the "Sci-Tech E-Loan" product, addressing urgent funding needs [3]. - Jiangxi Jintian Mai Food Co., Ltd. obtained a 5 million yuan revolving loan from China Construction Bank, improving transaction efficiency by 50% [5]. Group 3: Policy Support - The People's Bank of China allocated a special 1 billion yuan re-loan quota to support technology enterprises, with 100% matching for local financial institutions [6]. - Since 2025, 6.077 billion yuan in re-loans has been issued, with 15.34% directed towards high-tech sectors like electronic information and new materials [6]. - Local governments have introduced various loan products with government interest subsidies, such as a 0.5% annual subsidy for digital transformation loans [6].

Core Viewpoint - The 2025 China International Fair for Trade in Services (CIFTIS) showcased the significant role of financial services in supporting the real economy, with Huaxia Bank highlighting its dual focus on technology and green finance [1][11]. Group 1: Event Overview - The CIFTIS took place from September 10 to 14, 2025, at the Shougang Park in Beijing, attracting numerous financial institutions [1]. - Huaxia Bank's theme was "Huaxia Towards New, Green Future," emphasizing its commitment to technology and green finance [1]. Group 2: Huaxia Bank's Innovations - Huaxia Bank created an interactive "financial playground" at its exhibition booth, featuring engaging technology scenarios to demonstrate its financial capabilities [6][8]. - The bank utilized VR technology to provide immersive experiences related to its support for renewable energy projects, allowing visitors to visualize its contributions to green finance [7]. Group 3: Consumer Engagement - Huaxia Bank introduced a "three-in-one" interactive layout at the fair, combining financial services with consumer discounts and cultural experiences [9]. - The bank's promotional activities included significant discounts for credit card users, enhancing visitor engagement and satisfaction [9]. Group 4: Financial Services Accessibility - As the "main bank" of the venue, Huaxia Bank extended its services throughout the park, ensuring easy access to cash transactions and other banking services for exhibitors and visitors [10]. - The bank also enhanced its online services to provide 24/7 support during peak times, ensuring a seamless experience for all attendees [10]. Group 5: Commitment to Green and Technology Finance - Huaxia Bank reported a green finance balance of 455.5 billion yuan, with green loans growing by 16.8% year-on-year, leading among comparable banks [12]. - The bank aims to support the transformation of the real economy by focusing on technology finance, offering tailored financial products for tech companies [12][13]. - Huaxia Bank's technology loans reached 210.5 billion yuan, reflecting a growth rate of 32.31%, significantly outpacing the overall loan growth [13]. Group 6: Future Outlook - The conclusion of the CIFTIS marks a new beginning for Huaxia Bank in deepening its financial practices, with a focus on enhancing its technology and green finance initiatives [14]. - The bank aims to channel financial resources more effectively into the real economy, supporting industrial upgrades and ecological protection [14].

Group 1 - The core viewpoint of the article highlights the emergence of a "green revolution" in the artificial mushroom industry in Yunnan, driven by financial support from Postal Savings Bank to enhance rural revitalization [1][3] - The artificial mushroom industry faces challenges such as high initial investment, technical barriers, and long return cycles, leading to financing difficulties for enterprises [2] - Postal Savings Bank has developed customized financial solutions using big data and IoT technologies to address the financing challenges faced by the artificial mushroom industry [2][3] Group 2 - A notable case is Yunnan Qiangfeng Agricultural Technology Co., Ltd., which received a tailored financial solution of 3.71 million yuan to alleviate its funding pressure during expansion [2] - The bank's efforts not only provide funding but also aim to enhance the "Yun Mushroom" brand, supporting the industry's transition from small-scale operations to standardized and branded production [3] - Looking ahead, Postal Savings Bank plans to continue optimizing financial products and services while collaborating with government and industry associations to build a comprehensive financial service ecosystem for the mushroom industry [4]

Group 1 - The core event was the establishment of the CITIC Bank Beijing Branch's Innovation Financial Center, aimed at supporting the development of technology-driven enterprises [1] - The event received strong support from various sectors, including government departments and leading companies in the innovation field [1] - CITIC Bank has launched a series of innovative financial products and services to enhance support for technology enterprises, including the "Innovation E-Loan" and comprehensive financial service plans [2] Group 2 - As of September 2023, CITIC Bank Beijing Branch has a cooperation coverage of over 60% with listed technology companies in Beijing, and over 50% with companies preparing for listing and national-level specialized "little giant" enterprises [2] - The loan balance for technology enterprises exceeded 30 billion yuan, with loans to high-tech industries increasing by 73.8% year-on-year [2] - The establishment of the Innovation Financial Center marks a significant milestone in the development of CITIC Bank's innovation financial services, with a goal to become a leading innovation financial bank in Beijing [3]

Group 1 - Postal Savings Bank of China Yongzhou Branch reported a loan balance of 19.96 billion yuan as of April 2025, with 4.698 billion yuan issued this year, focusing on inclusive finance to support local economic development [1] - The bank implements a "one county, one industry" strategy, providing tailored financial services for local specialties such as pomelo and pig farming, with personal operating loans exceeding 5.29 billion yuan [1] - The bank has created over 2,000 credit villages and collected data from 37,000 users, enhancing rural financial services [1] Group 2 - To address financing challenges for small and micro enterprises, the bank has launched various initiatives, with small enterprise loan balances exceeding 1.82 billion yuan and over 750 million yuan issued this year [2] - The bank focuses on "park finance + technology finance," offering products like online innovation loans and offline technology credit loans, with credit limits up to 100 million yuan for national-level specialized enterprises [2] - Manufacturing loans exceeded 940 million yuan, with over 530 million yuan issued this year, increasing by more than 180 million yuan [2] Group 3 - The bank supports local industries such as agricultural processing and advanced manufacturing, providing credit of 22.6 million yuan for the electric appliance industry and 36 million yuan for the light textile industry [3] - The bank promotes green development by supporting ecological projects, issuing 270 million yuan in loans for renewable energy projects and 250 million yuan for forest reserve projects [3] - As of April 2025, the bank's green loan balance exceeded 1.48 billion yuan, with a growth rate of over 28% [3]

Group 1 - The core viewpoint emphasizes the importance of implementing a comprehensive financial policy in response to national economic strategies and monetary policy adjustments [1][2] - The bank is committed to supporting the real economy, expanding domestic demand, and reinforcing risk management as part of its strategic goals [2] Group 2 - The bank has initiated both online and offline promotional activities to enhance the effectiveness of policy communication, including placing informational materials in branch locations and utilizing digital media [3] - A feedback loop mechanism has been established to optimize and promote successful policy communication cases internally [3] Group 3 - The bank focuses on key sectors such as inclusive finance, foreign trade, and technological innovation, providing tailored financial services to address specific financing challenges faced by businesses [4] - A successful case involved a specialized enterprise receiving a 3 million yuan loan through a collaborative effort between government and bank, showcasing effective public-private partnerships [4] Group 4 - The bank has also achieved a 10 million yuan personal business loan by identifying and addressing the needs of existing customers through customized solutions [5] - Future strategies will prioritize the balance between functional and profit-driven services, aiming to enhance financial support for regional high-quality development [5]