转自：新华财经 助推薄弱环节提质增效。强化小微企业、民营企业等薄弱环节金融支持，普惠型小微企业贷款余额超1700亿元，民营企业贷款余额超2600亿元。获评安徽 省唯一金融支持高质量发展劳动竞赛一等奖，连续八年在安徽省政府金融支持地方经济发展考核中荣获"优秀"等次。 探索金融创新，赋能安徽科创发展 徽商银行立足安徽科创特色，致力探索科技金融高质量发展新模式、新路径。因地制宜打造"1+21+N"专营组织架构，率先在总行成立科创金融一级部， 在分行成立科创金融中心，在重点园区创建若干专营支行。 坚持以客户需求为中心，丰富专属产品体系，开发了"科技人才贷""科技研发贷""科技成果转化贷"等七大类多元化、接力式科技金融产品体系。推进科技 与金融融合，打造"e查-e达-e贷"系列数字化产品和工具，形成了涵盖查询服务、营销辅助、贷款产品3大领域、多个项目的"3+N"科技金融数字化产品服 务体系，进一步推动金融赋能科技创新高质量发展。针对科技型企业轻资产、担保难的问题，从"看资产"转向"看科技"，自主研发"技术流"创新能力评价 体系，为4200多户科技型企业提供线上信用贷款超120亿元。省内率先建立知识产权价值自评估体系，研 ...

Group 1 - The article highlights the challenges faced by small and micro enterprises, particularly the issue of sudden order increases leading to cash flow shortages [1] - Xiamen Bank's rapid response in providing a 10 million yuan credit loan to a medical technology company demonstrates the effectiveness of their online loan product "Xing Su Dai" designed for small businesses [1] - Since the beginning of the year, Xiamen Bank has issued loans totaling 460 million yuan to over 130 local small and micro enterprises, aiding their market opportunities and stable development [1] Group 2 - Hydrogen energy is identified as a key component of the future national energy system and a strategic emerging industry in Xiamen's modern industrial framework [3] - Luyuan Hydrogen (Xiamen) Technology Co., Ltd. has developed over 80 core patents and achieved international leading technology in proton exchange membrane (PEM) hydrogen production equipment [3][5] - Xiamen Bank provided comprehensive financial support to Luyuan Hydrogen, including a 5 million yuan credit loan during its startup phase, facilitating its growth [3] Group 3 - As Luyuan Hydrogen expanded, Xiamen Bank approved a 40 million yuan credit limit for factory upgrades and research and development investments [4] - The company has established a production line with an annual capacity of 1 GW, corresponding to a production value of 2 billion yuan, positioning itself as a leading global hydrogen solution provider [5] - By the end of September, Xiamen Bank's technology finance loan balance exceeded 22 billion yuan, with over 7 billion yuan allocated to small technology enterprises [5] Group 4 - Xiamen Bank has launched personal operating loans for individual businesses, offering up to 1 million yuan without collateral, which has been well-received by small business owners [6] - The bank has also introduced a "Technology Talent Loan" service for high-level talents, providing credit loans up to 5 million yuan for entrepreneurial or technology transformation purposes [6] - By the end of September, Xiamen Bank had issued over 70 million yuan in personal operating loans, supporting the local economy [6] Group 5 - Xiamen Bank has developed a diverse range of inclusive financial products, including "Xing Su Dai," "Ke Xin Dai," and "Zeng Xin Dai," to meet the financing needs of small and micro enterprises [7] - The bank aims to create a high-quality development model for inclusive finance, effectively serving the local real economy and promoting the growth of inclusive finance [7]

Core Viewpoint - The Xiamen branch of Industrial Bank is committed to providing personalized and efficient payroll services, enhancing the experience for both enterprises and employees through innovative solutions and dedicated support [1][5]. Group 1: Service Approach - The payroll service team at the Xiamen branch has demonstrated a proactive approach by directly assisting workers at sea to open payroll accounts, showcasing their commitment to customer service [2]. - The team is known for its rapid response and on-site services, ensuring that all payroll-related needs are met promptly, often within an hour [2]. Group 2: Service Enrichment - The service offerings have expanded beyond basic payroll processing to include wealth management, financing support, and various consumer benefits tailored to different industries [3]. - Customized payroll card options have been developed, providing various fee waivers and additional financial services, such as specialized loans for technology companies [3]. Group 3: Technological Empowerment - The introduction of the "Xingye Tong Payroll System" enhances service efficiency by offering digital solutions for payroll management, including online card opening and customizable electronic payslips [4]. - The system also supports cross-border payroll services, catering to both domestic and foreign employees, thereby addressing the needs of multinational companies [4]. Group 4: Commitment to Quality - The leadership of the payroll service team emphasizes a continuous commitment to innovation and flexibility in service delivery to meet the diverse needs of enterprises and employees [5].

Core Viewpoint - The Xiamen branch of Industrial Bank is committed to providing personalized and efficient payroll services, enhancing the experience of employees and meeting the needs of enterprises through innovative and responsive service models [1][4][10]. Service Model - The payroll service team at Industrial Bank Xiamen branch emphasizes a customer-centric approach, offering on-site services, streamlined processes, and value-added services to improve the efficiency of serving the real economy and enhancing the sense of gain and happiness among wage earners [1][4]. - The team has successfully assisted over 80 workers in opening payroll accounts directly on a construction ship, demonstrating their commitment to rapid response and comprehensive service [4][5]. Service Offerings - The service structure includes not only payroll processing but also wealth management, financing support, and various benefits tailored to different industries, such as specialized payroll cards and exclusive financial products [5][10]. - Payroll cards come with various fee waivers and enhanced benefits, including a dedicated credit loan product for technology companies with a credit limit of up to 3 million yuan [5][10]. Community Engagement - The team organizes community-building activities like "Culinary Excitement" and "Colorful Childhood" events to enhance employee engagement and foster a sense of belonging among workers [6][9]. - These events provide opportunities for social interaction and family bonding, contributing to a positive workplace culture [7][9]. Technological Innovation - Industrial Bank has launched the "Xingye Tong Payroll System," a one-stop digital service platform aimed at improving payroll management efficiency for enterprises [10]. - The platform offers features such as online card opening, batch payroll processing, and customizable electronic payslips, enhancing service quality and operational efficiency [10]. Future Commitment - The leadership of the payroll service team expresses a commitment to continue exploring and innovating service models to meet the diverse needs of enterprises and employees [11].

Core Insights - Zhangjiagang Rural Commercial Bank has significantly increased its agricultural and micro-loan balance to 124.625 billion yuan by June 2025, with a year-to-date increase of 8.389 billion yuan, representing 90.88% of its total loans [1] - The bank has focused on providing tailored financial products for small and micro enterprises, achieving a loan growth rate of 9.15%, which is higher than the overall loan growth rate of 1.09% [1] - The bank aims to deepen its financial services by creating a "full lifecycle" partnership model, emphasizing customer-centric development and long-term collaboration with enterprises [1] Group 1 - The bank has launched various credit products such as "Micro Enterprise Easy Loan" and "Technology Talent Loan" to support startups with limited collateral, utilizing a three-dimensional assessment model for credit evaluation [1] - The introduction of flexible financing products like "Small Micro Loan" and "Foreign Trade Loan" aims to address urgent financing needs and support enterprises in scaling up and seizing market opportunities [2] - The bank provides comprehensive services including merger financing, syndicate loans, and investment advisory to support enterprises in capital market layout and asset diversification [2] Group 2 - The bank has implemented a differentiated financial service strategy based on regional resources and institutional positioning, aiming to become a leader in financial services for small and medium enterprises and local economic units [2] - By establishing localized operations, the bank has improved customer service response times and enhanced market penetration through data-driven risk assessment and client engagement [2] - The bank plans to continue its mission of making inclusive finance accessible, focusing on supporting private enterprises and contributing to high-quality local economic development [3]

Core Viewpoint - The article emphasizes the importance of promoting the transformation and application of scientific and technological achievements to drive innovation and industrial development in Zhaoqing, Guangdong Province, as part of the broader strategy to integrate into the Guangdong-Hong Kong-Macao Greater Bay Area innovation ecosystem [1][3]. Summary by Sections Financial Support for Technology Transformation - The People's Bank of China (PBOC) in Zhaoqing is implementing a special action plan to enhance financial support for the transformation of technological achievements, addressing the financing challenges faced by technology enterprises, particularly startups and those in growth phases [1][3][4]. Financing Challenges and Solutions - Technology enterprises often encounter financing constraints due to high growth potential coupled with high investment, risk, and long cycles, as well as a lack of collateral [3]. - The PBOC aims to innovate financing models and broaden credit channels by leveraging the unique advantages of technological achievements [3][5]. Financing Mechanisms - The special action plan includes three mechanisms: 1. **Certification Mechanism**: Establishing a directory of enterprises based on their technological achievements to enhance credit evaluation [5]. 2. **Evaluation Mechanism**: Encouraging banks to use technology innovation evaluation results as a basis for credit limits and interest rates [5]. 3. **Pledge Registration Mechanism**: Guiding banks to register technology-related rights as collateral to ensure priority repayment rights [5][6]. Innovative Financing Products - A range of innovative financing products has been developed, including: - "Technology Talent Loan" and "Technology R&D Loan" for the R&D phase [6]. - "Technology Equity Loan," "Technology Contract Loan," and "Patent (Trademark) License Revenue Pledge Financing" for the transformation phase [6][7]. - "Innovation Points Loan" linked to the evaluation of a company's innovation capabilities for the application phase [7]. Implementation Measures - The establishment of a comprehensive directory of technology enterprises has been initiated, with over 1,500 technology enterprises identified as of August 2025 [8]. - Policy promotion activities have been conducted across various districts, engaging 222 technology enterprises and facilitating a total credit amount of 1.18 billion yuan [9]. Achievements and Future Plans - The special action has led to significant financing outcomes, including 17.59 billion yuan in intellectual property pledge financing and various other loans since 2024 [10]. - Future plans include enhancing financial cooperation mechanisms, exploring new financing paths, and promoting diverse financing models to meet the needs of technology enterprises [10].

Core Viewpoint - The banking industry is undergoing significant transformation, with local financial institutions playing a crucial role in supporting regional economic development and meeting diverse financial needs of the public [1] Group 1: Focus on Inclusive Finance - Zhangjiagang Bank prioritizes inclusive finance as its core strategy, focusing on small and micro enterprises, with agricultural and small micro loans reaching 1246.25 billion yuan by June 2025, an increase of 83.89 billion yuan from the beginning of the year, accounting for 90.88% of the total [2] - The bank offers tailored financial services for enterprises at different stages, including various credit products that reduce reliance on financial indicators and utilize policy guarantees and a three-dimensional assessment model [2] Group 2: Comprehensive Financial Services - For mature enterprises, Zhangjiagang Bank provides a range of services including merger financing, syndicate loans, bond underwriting, and investment advisory, along with cash management tools to support global expansion [3] - The retail sector is also a key area for the bank, focusing on consumer credit innovation and optimizing services to stimulate local consumption through a three-dimensional support system [3] Group 3: Risk Management - As of June 2025, the bank maintained a non-performing loan ratio of 0.94%, stable compared to the beginning of the year, and a provision coverage ratio of 383.98%, indicating strong risk mitigation capabilities [4] - The bank employs rigorous pre-loan investigations, in-process reviews, and post-loan management to effectively identify and mitigate credit risks [4] Group 4: Industry Recognition - Zhangjiagang Bank has received multiple accolades, ranking 502nd among the world's top 1000 banks and being recognized as an excellent participant in foreign exchange clearing business [5] - The bank aims to continue optimizing financial services and adapting to national policy directions to strengthen its support for enterprises and contribute to the new development pattern [5]

Core Viewpoint - The Hubei Provincial Financial Office and eight other departments have jointly issued a work plan to advance the construction of the Wuhan Science and Technology Financial Center, focusing on enhancing its functional positioning and establishing a comprehensive science and technology financial service system [1][3]. Group 1: Key Initiatives - The plan outlines five key areas and 25 specific measures to gather science and technology financial resources, optimize policies, and build high-standard financial clusters in Wuhan [3]. - Wuhan aims to promote science and technology financial reform experiments, including the establishment of a national science and technology financial reform pilot zone and a high-level technology insurance innovation demonstration zone [3]. - The city will optimize the science and technology financial ecosystem by restructuring financial institutions and improving management services, as well as enhancing various financial products tailored for innovation and entrepreneurship [3][4]. Group 2: Financing and Support Mechanisms - Wuhan plans to improve the technology guarantee system, providing "light asset, wide credit, and convenient" financing services for technology-based enterprises through data and fiscal credit enhancement [4]. - The city will reconstruct the guidance service system for companies going public, leveraging various capital markets to facilitate bond issuance and listing for technology enterprises [4].

Core Viewpoint - The Hubei provincial government aims to establish a high-level Wuhan Science and Technology Financial Center by the end of 2027, with a focus on enhancing the financial ecosystem for technology innovation and attracting resources such as financial institutions, capital, and talent from both domestic and international markets [1][4]. Group 1: Construction of Financial Service Systems - The plan outlines the creation of three major systems: equity investment guidance, credit financing enhancement, and multi-tiered capital market cultivation, forming a comprehensive financial support ecosystem for technology [2]. - The equity investment guidance system will restructure the government guidance fund system to create a nationally influential venture capital center, providing financing services for technology innovation enterprises at various development stages [2]. - The credit financing enhancement system will deepen credit loan reforms and improve the technology guarantee system, offering innovative financial products like technology talent loans and R&D loans to reduce financing barriers for tech enterprises [2]. Group 2: Innovation and Regional Influence - The plan proposes innovative measures to promote financial reform and enhance regional influence, aiming to create replicable experiences in Hubei and facilitate efficient cross-regional flow of technology financial resources [3]. - Hubei will support Wuhan in applying for a national science and technology financial reform pilot zone and establish a high-level technology insurance innovation demonstration zone [3]. - The province will leverage local university resources to explore innovative models such as alumni investment and loans, expanding the scope of equity investment pilot programs [3]. Group 3: Resource Aggregation and Policy Response - Hubei will create offline and online comprehensive service platforms for technology finance, aiming to accelerate the aggregation of financial policies, platforms, institutions, capital, and talent [4]. - The initiative aligns with national strategies, responding to the central government's emphasis on constructing a financial system that supports technological innovation [4]. - By 2027, technology enterprises in Hubei will benefit from a more diversified and multi-layered financial service system, positioning Wuhan as a regional center for the deep integration of technology and finance [5].

Group 1 - The core viewpoint of the news is the promotion of the Wuhan Science and Technology Financial Center, which aims to enhance the high-quality development of science and technology finance in Hubei Province by 2027, with specific targets for the growth of innovative enterprises [1][2] - Hubei Province aims to have 60,000 technology-based small and medium-sized enterprises and 40,000 high-tech enterprises by 2027, along with the cultivation of 4,000 new "species" of science and technology enterprises [1][2] - The plan includes a comprehensive approach to nurturing technology innovation entities, creating an investment service platform, and gathering financial resources to support the growth of science and technology enterprises [2][3] Group 2 - The newly introduced plan outlines practical measures to restructure the listing service system for enterprises, covering the entire chain of needs from startup to listing [3] - Hubei has seen 12 technology enterprises listed on the Shanghai and Shenzhen stock exchanges in the past three years, with a significant portion having received equity financing from local private equity funds prior to their listings [3] - The Hubei Securities Regulatory Bureau will continue to promote the core content of the "1+6" reform policies of the Science and Technology Innovation Board, helping local enterprises understand capital market policies and choose appropriate listing paths [3]