深圳的灵魂在于创新，深圳的优势在于开放。江苏银行深圳分行将科技金融与跨境金融紧密结合，为深 圳最具活力的市场主体链接全球资源、参与国际竞争提供着强劲动力。 为适配科技企业不同阶段的需求，该行打造了"科创融"系列产品体系，覆盖企业从初创、成长到成熟的 全过程 ：初创期，以"苏孵贷"破解首贷难题；成长期，匹配"科创e贷"等线上产品提升效率；成熟期， 则提供科创票据、并购贷款及上市培育等综合服务。 2025年，深圳经济特区迎来成立四十五周年的辉煌节点。从先行先试的改革"试验田"，到高质量发展 的"示范区"，深圳始终勇立潮头。在新时代的征程中，做好"科技金融、绿色金融、普惠金融、养老金 融、数字金融"五篇大文章，是金融业服务中国式现代化的核心任务，也是献礼特区45周年的最佳答 卷。作为与城市发展同频共振的金融力量，江苏银行深圳分行正以扎实的行动力，将"五篇大文章"书写 在深圳这片创新沃土之上。 融通数字血脉，夯实特区经济"基本盘" 普惠金融是服务实体经济的根基，而数字金融则为其插上了高效、智能的翅膀。江苏银行深圳分行将两 者深度融合，在夯实特区经济"基本盘"的过程中，既有"俯下身"的温度，也有"科技化"的速度。 该行 ...

2025年，深圳经济特区迎来成立四十五周年的辉煌节点。从先行先试的改革"试验田"，到高质量发展 的"示范区"，深圳始终勇立潮头。在新时代的征程中，做好"科技金融、绿色金融、普惠金融、养老金 融、数字金融"五篇大文章，是金融业服务中国式现代化的核心任务，也是献礼特区45周年的最佳答 卷。作为与城市发展同频共振的金融力量，江苏银行深圳分行正以扎实的行动力，将"五篇大文章"书写 在深圳这片创新沃土之上。 聚焦科技创新，激活高质量发展"新引擎" 融通数字血脉，夯实特区经济"基本盘" 深圳的灵魂在于创新，深圳的优势在于开放。江苏银行深圳分行将科技金融与跨境金融紧密结合，为深 圳最具活力的市场主体链接全球资源、参与国际竞争提供着强劲动力。 普惠金融是服务实体经济的根基，而数字金融则为其插上了高效、智能的翅膀。江苏银行深圳分行将两 者深度融合，在夯实特区经济"基本盘"的过程中，既有"俯下身"的温度，也有"科技化"的速度。 该行秉承创新驱动发展战略，在"小微企业大走访"活动中，了解到一家从事温室气体综合利用发电的小 巨人企业，因订单迅速上升而亟须扩充产能。针对其高成长期的需求特点，深圳龙岗支行第一时间组建 服务团队，快速为企 ...

该产品依托人行创信融平台大数据，通过联合建模实现"线上化、纯信用、无抵押、可循环"的服务模 式。其核心突破在于"脱核不离核"的信用传导机制——无需依赖核心企业配合，即可将大型企业的信用 延伸至上游小微供应商，解决了传统供应链金融中依赖保理、票据贴现的局限性。 该企业与互联网、医疗等领域大型企业合作十余年，交易链路清晰、经营状况稳定，正是"创信e贷"的 精准服务对象。截至2025年6月，这款产品已成为服务产业链上游小微企业的重要抓手，推动分行普惠 金融服务从"单点突破"迈向"生态共建"。 服务升级有温度多维发力筑稳发展基石 得知企业困境后，中信银行北京分行迅速启动联动机制：普惠金融部成立快速响应小组开展企业画像分 析，相关支行负责人带队实地调研，最终认定企业符合普惠政策支持条件，随即为企业办理无还本续 贷。从申请到放款仅用7天，让企业得以将资金全力投入新产品研发。 这并非个例。为破解小微企业"先还后贷"的资金周转痛点，北京分行普惠金融部与支行专班建立融资协 调机制，对有潜力、有发展的小微企业做到"应续尽续"。截至2025年二季度末，分行普惠小微企业法人 续贷余额达到24.71亿元，续贷占比达到17.5%，持续加 ...

同样受益于邮储银行信贷支持的还有位于朔州市应县经济技术开发区的山西华伟陶瓷科技有限公司（以 下简称"华伟陶瓷"）。据悉，该公司主要生产新型陶瓷产品——超薄岩板大板。这种由特殊工艺加工出 的产品可以大规模替代天然石材、木材、人造石材、玻璃、金属等。 ■本报记者 王磊 山西省朔州市拥有储量丰富、品位极高的陶瓷原料——高岭土，有着始于春秋战国的悠久瓷器生产史。 如今，陶瓷产业已成为朔州高质量发展的支柱产业。 为全面支持朔州陶瓷制造业提质升级，邮储银行朔州市分行不断优化金融举措，丰富金融产品，根据企 业特点和发展需求开展定制化服务，降低企业融资成本，提高企业融资积极性，为地方特色产业高质量 发展注入源源不断的金融"活水"，助力朔州陶瓷产业焕发新生。 走进朔州怀仁市亿家亲陶瓷有限责任公司（以下简称"亿家亲陶瓷"）的生产车间，工人们正在有条不紊 地操控设备、检验产品，一条条生产线高速运转，一件件陶瓷制品经过制模、成型、干燥、施釉等程 序，最终制成成品。 公司总经理刘敏告诉《农村金融时报》记者，公司以生产各种日用瓷、酒店用瓷为主，生产的瓷器透光 度高、釉面光泽度好。投产以来，依靠质量和信誉赢得了众多客户，逐步成为当地行业标 ...

Core Viewpoint - The article emphasizes the commitment of CITIC Bank Beijing Branch to enhance inclusive finance, aligning with the direction set by the 20th National Congress of the Communist Party of China to improve the financial service system for the real economy [1] Policy Implementation - CITIC Bank Beijing Branch has established a rapid response mechanism to support small and micro enterprises, exemplified by a case where a company received a 10 million yuan loan within a week without needing to repay the principal first, helping them overcome financial difficulties [2] - As of the end of Q2 2025, the branch's inclusive small and micro enterprise loan balance reached 2.471 billion yuan, with a renewal loan ratio of 17.5%, demonstrating a strong commitment to continuous financial support for small businesses [2] Product Innovation - The launch of the "Chuangxin e-loan" product allows small enterprises to obtain loans of up to 3 million yuan online in just 30 minutes without collateral, showcasing the bank's focus on technological empowerment [3] - This product utilizes big data from the People's Bank of China to create a credit transmission mechanism that extends the credit of large enterprises to upstream small suppliers, overcoming limitations of traditional supply chain finance [3] Service Upgrade - In the first half of 2025, CITIC Bank Beijing Branch achieved over 10% growth in loans to inclusive small and micro enterprises, serving nearly 5,000 clients, reflecting a dual focus on quantity and quality in service upgrades [4] - The bank has simplified processes and reduced interest rates for small enterprises, ensuring they can access affordable loans, while also forming specialized service teams to cover both existing and potential clients [4] Future Outlook - CITIC Bank Beijing Branch plans to continue its strategy of affordable costs and sustainable business development, focusing on supporting technological innovation and green development to enhance the impact of inclusive finance on the real economy [5]

Core Viewpoint - The banking sector in Tai'an is actively promoting high-quality economic development through various financial services and initiatives, particularly focusing on inclusive finance and support for small and micro enterprises, foreign trade, consumption, and rural revitalization [1][14][25]. Group 1: Inclusive Finance and Support for Small Enterprises - As of June 2025, the outstanding loans for inclusive small and micro enterprises in Tai'an reached 101.46 billion yuan, a growth of 13.13% compared to the beginning of the year, exceeding the overall loan growth rate by 6.84 percentage points [1]. - The Tai'an Financial Regulatory Bureau has implemented targeted financial services for small and micro enterprises, including the "Anlan" brand initiative, focusing on key areas such as foreign trade, consumption, technology, private enterprises, and rural revitalization [1][25]. - A total of 165,824 loans amounting to 166.61 billion yuan have been issued to private enterprises, reflecting a growth of 7.47% since the beginning of the year [25]. Group 2: Support for Foreign Trade Enterprises - The Tai'an Financial Regulatory Bureau has launched a special action to support foreign trade enterprises, resulting in loans of 5.959 billion yuan issued to 479 foreign trade enterprises, with an average loan interest rate of 3.94%, which is 0.18 percentage points lower than the average rate for small and micro enterprises [2][6]. - The cross-border loan product introduced by the Industrial and Commercial Bank of China has facilitated quick financing for foreign trade enterprises, exemplified by a loan of 1.9 million yuan approved within three days for a company facing collateral shortages [6][10]. Group 3: Consumption and Rural Revitalization - As of June 2025, the balance of consumption loans (excluding credit card business) in the region reached 22.185 billion yuan, marking a 4% increase since the beginning of the year [14]. - The Tai'an banking sector has provided 3.5 million yuan in loans to 24 households in Yushan Village to support the development of rural tourism, enhancing the quality and service of local homestays [17][33]. - The Tai'an banking industry has issued 1.951 trillion yuan in agricultural loans, with inclusive agricultural loans reaching 497.9 billion yuan, reflecting a growth of 4.14% since the beginning of the year [33]. Group 4: Innovation and Technology Support - By June 2025, banks in the region have provided financing services to 3,096 technology enterprises, with a total loan balance of 66.041 billion yuan, including 35.741 billion yuan to 2,006 "specialized, refined, and innovative" small and medium enterprises [18][20]. - The Industrial and Commercial Bank of China has issued a 10 million yuan "Science and Technology Innovation Loan" to a leading automotive parts supplier to support its technological upgrades [20][23]. Group 5: Major Projects and Financial Collaboration - A consortium led by Qingdao Bank has approved a credit limit of 980 million yuan for a major energy investment project, with 89.09 million yuan already disbursed [24]. - The Tai'an banking sector has tailored financial solutions for various enterprises, including a 30 million yuan loan to support the construction of a food oil processing project [28].

"'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 development of the Qinghai dairy industry, particularly yogurt, has been significantly supported by Postal Savings Bank of China through innovative financial products and optimized credit structures, enabling the industry to adapt to market changes and enhance product quality [1][2]. Group 1: Financial Support for Dairy Industry - Postal Savings Bank of Qinghai Province has actively engaged in credit village construction to address funding issues for local dairy farmers, resulting in over 70 households in Binggou Village raising yaks and dairy cows [2]. - The bank has increased support for key segments of the dairy supply chain, including processing, ranch construction, and cold chain logistics, by providing loans for production scale expansion and technological upgrades [2]. Group 2: Integration of Traditional Craft and Modern Technology - The Qinghai dairy industry has achieved scale expansion and the integration of traditional methods with modern technology, enhancing production efficiency and product stability [3]. - A specific dairy company in Qinghai has adopted modern fermentation technology and developed techniques such as probiotic addition and low-temperature freeze-drying, extending product shelf life while maintaining traditional flavors [3]. Group 3: Comprehensive Financial Services - Postal Savings Bank of Qinghai Province has established a comprehensive financial support system that covers financing, settlement, and management, facilitating the expansion of Qinghai yogurt into broader markets [4]. - The bank has developed a product system that includes first loans, renewal loans, and credit loans, along with an online platform providing integrated services for financing, payment settlement, and wealth management, promoting digital transformation in traditional industries [4].

Group 1 - The core viewpoint emphasizes the importance of manufacturing as the foundation of national strength, with Shandong province focusing on advancing its manufacturing sector through financial support from the Industrial and Commercial Bank of China (ICBC) [1][4] - As of June 2025, ICBC's manufacturing loans in Shandong exceeded 313 billion yuan, marking a net increase of 54.6 billion yuan since the beginning of the year, making it the only state-owned commercial bank in the province with manufacturing loans surpassing 300 billion yuan [1] - ICBC is actively engaging in targeted financial initiatives to support traditional industries' transformation and upgrading, focusing on high-end, intelligent, and green manufacturing [3][4] Group 2 - ICBC has launched a series of financial measures to support the high-quality development of Shandong manufacturing, including organizing credit promotion meetings and conducting special activities to enhance credit services for the manufacturing sector [4][5] - The bank has established a "1+2+N" technology finance specialized structure to improve service efficiency for advanced manufacturing, particularly in new-generation information technology and high-end equipment manufacturing [5][6] - Innovative financial products have been introduced, such as "green loans for specialized equipment purchases" and "R&D support loans," aimed at addressing the financing challenges faced by enterprises [7][8] Group 3 - ICBC is leveraging digital finance by creating a digital product matrix, including "Manufacturing e-loans" and "Technology e-loans," to enhance financing accessibility for quality technology enterprises [8] - A case study highlights how ICBC provided timely financing support of 2.7 million yuan to a high-tech enterprise within one working day, showcasing the bank's responsiveness to client needs [8] - The bank aims to integrate traditional industry transformation with new productivity financial services, fostering a deeper connection between financial services and the real economy in Shandong [8]

Core Viewpoint - The article highlights the significant contributions of Postal Savings Bank of China Sichuan Branch in supporting local economic development through various financial services, particularly in technology innovation, rural revitalization, private enterprises, and cultural tourism consumption. Group 1: Financial Support for Technology Innovation - As of June 2023, the loan balance for technology innovation enterprises exceeded 19 billion yuan, with 5,582 technology enterprises receiving specialized financial services [6][7] - The bank has developed a "three-dimensional" financial service system for technology innovation, including a technology flow evaluation system and tailored financial products [7] - Innovative products like "Sci-Tech e-loan" have enabled companies to convert intellectual property into substantial credit support, exemplified by a company receiving 10 million yuan in credit [7] Group 2: Support for Rural Revitalization - The bank's "mobile financial service team" provided a timely 480,000 yuan "industry loan" to a farmer, facilitating access to funds without leaving home [8] - A supply chain enterprise received 18 million yuan in credit support, benefiting hundreds of local farmers and transforming from a workshop-style business to a provincial-level key leading enterprise [8] Group 3: Support for Private Enterprises - The bank injected nearly 100 million yuan into a cold chain logistics base, enhancing the efficiency of the regional cold chain network [8] - The "Express Loan" product enabled a business owner to secure 500,000 yuan in just three days, demonstrating the bank's quick response to private enterprise needs [8] Group 4: Support for Cultural Tourism Consumption - A new store funded with 220,000 yuan in flexible loans became a local hotspot, showcasing the bank's role in stimulating small business growth [9] - The bank's "consumption discount activities" have been well-received in local tourist attractions, reinforcing its position as a promoter of cultural tourism integration [9] Group 5: Future Outlook - The bank plans to continue focusing on key areas such as technology finance, inclusive finance for rural revitalization, green finance, and consumer finance to stimulate market vitality [9]