在兴业银行"1+4+N"科技金融产品体系框架下，"新质贷""研发贷""科信贷"等特色产品在厦门市场精准 发力，有力支持新能源、生物医药等战略性新兴产业发展。同时，该行勇当创新"排头兵"，成功落地了 厦门市首笔技改基金贷款、首笔碳效益挂钩贷款、福建省首笔科技创新再贷款及首笔科技企业并购贷款 等多项具有里程碑意义的"首单"业务。 此外，该行还主动联合政府部门以及高校、科研院所和资本力量，从"产业+政策""园区+科技""财政+金 融"等角度推动新质生产力发展。截至今年6月末，该行与市科技局合作的"科技信用贷"累计投放超20亿 元，居本地前列；与市财政局合作的增信基金贷款投放达100亿元；与市工信局合作的技术创新基金贷 款投放超70亿元，并与嘉庚创新实验室合作促进产学研转化。（季风） 编辑：穆皓 转自：新华财经 兴业银行厦门分行聚焦科技金融大文章，持续完善股债结合的科技金融全生命周期服务体系，成为厦门 科技型企业成长路上的好伙伴。截至今年6月，该行科技金融贷款余额突破200亿元，服务科技型企业近 2000家，其中，专精特新企业覆盖率超过50%。 作为兴业银行科技金融重点分行，兴业银行厦门分行持续深化科技金融体系建设， ...

【纠错】 【责任编辑:施歌】 近年来，金华市正加速构建现代化产业体系，以十条重点产业链为主战场，培育新质生产力、打造 先进制造业强市。在这一过程中，产业的科技赋能与快速迭代，离不开金融活水的精准滴灌与有力支 持。 为此，邮储银行金华市分行紧紧围绕当地经济发展，加大对民营先进制造业和中小微企业等关键领 域和科技创新等薄弱环节的金融支持，助力金华打造十条重点产业链，全力为金华实体经济发展注入金 融活水。截至2025年8月底，该分行发放民营企业贷款结余超317亿元，占各项贷款余额的近50%。 新华社杭州9月25日电（记者李平）"多亏邮储银行金华市分行结合公司的专利、商标等，为我们提 供了科技信用贷款，盘活了现有的知识产权，及时满足我们的需求。"日前，浙江恒成硬质合金有限公 司相关负责人说。 浙江恒成硬质合金有限公司是一家从事钨制品研发、生产、销售、服务的"专精特新"小巨人民营企 业。随着国内外市场需求的变化，公司仓库、生产线上产品库存增加，而一条生产线平均库存资金就要 投入近千万元，资金压力大。邮储银行金华市分行在走访过程中，了解到该实业公司在因研发资金的大 量投入，在扩产和增加设备方面有融资需求。在详细了解该公司 ...

Core Viewpoint - The article highlights the significant role of postal savings banks in providing financial support to technology-driven small and medium-sized enterprises (SMEs) in Shandong, particularly through innovative loan products like the "Science and Technology Loan" [1][3]. Group 1: Company Overview - Shandong Weihe Transmission Co., Ltd. is a specialized manufacturer of agricultural machinery transmission systems and has been recognized as a national-level "specialized, refined, and innovative" small giant enterprise [1]. - The company successfully listed on the "New Third Board" in 2023, indicating its growth and market presence [1]. Group 2: Financial Support and Impact - Postal Savings Bank's Pingyi County branch provided a timely 15 million yuan (approximately 2.1 million USD) "Science and Technology Loan" to Weihe Transmission to address its funding needs for purchasing components and expanding production [1]. - The bank has introduced various financial products tailored for technology SMEs, such as "Science and Technology E-Loan" and "Technology Credit Loan," which focus on increasing credit limits and reducing costs [3]. - The bank's efforts have resulted in over 9.2 billion yuan (approximately 1.3 billion USD) in cumulative financial support for technology SMEs, with a loan balance of 4.367 billion yuan (approximately 610 million USD) [5]. Group 3: Broader Financial Ecosystem - The Postal Savings Bank has collaborated with various departments, including technology, market regulation, and industry and information technology, to create a new ecosystem for technology financial services [5]. - The bank's initiatives include comprehensive outreach to technology SMEs, ensuring that financial benefits such as loan risk compensation and intellectual property pledge financing subsidies reach the enterprises directly [5].

Group 1 - Postal Savings Bank of China (PSBC) Linyi Branch has been actively supporting technology-based small and medium-sized enterprises (SMEs) through innovative financial products and services, injecting strong financial momentum into the regional economy [1][2] - The bank has introduced products like "Science and Technology Credit Loan" and "Technology Credit Loan" tailored for the characteristics of light-asset and high-growth technology SMEs, enhancing their development capabilities [2][6] - As of now, PSBC has provided over 9.2 billion yuan in funding support to technology-based SMEs, with a loan balance of 4.367 billion yuan [1][7] Group 2 - The bank's collaboration with local government agencies has enabled comprehensive outreach to technology SMEs, ensuring that policy benefits reach the enterprises directly [7] - A notable example includes the issuance of a 15 million yuan loan to Shandong Weihe Transmission Co., Ltd. for purchasing components and expanding production [3][6] - The bank's efforts have resulted in a significant increase in the loan support for technology SMEs, with a loan balance of 3.46 trillion yuan, reflecting a year-on-year growth of 22.9% [6]

Group 1 - The core viewpoint highlights the financial support provided by Postal Savings Bank to Hunan Zhongxin New Materials Technology Co., Ltd., enabling the company to alleviate pressure in product research, promotion, production, and daily operations [1] - Hunan Zhongxin New Materials Technology Co., Ltd. is recognized as a national-level specialized and innovative "little giant" enterprise, focusing on the production and processing of vanadium-based high-end alloy materials, with applications in various industries including steel, aerospace, defense, and energy storage [1] - The company has experienced accelerated transformation and development, continuously innovating and refining its vanadium alloy products, leading to an expanding market share despite facing financial pressures [1] Group 2 - Postal Savings Bank's Xiangxi branch has tailored a comprehensive financial service plan for the company, providing a credit loan of 19 million yuan and an additional mortgage-backed loan of 16 million yuan to meet the company's funding needs [1] - The bank has also introduced a new financial service model, issuing a domestic letter of credit worth 10 million yuan to cover the company's operational electricity costs [1] - As of mid-March, the Xiangxi branch has issued a total of 858 million yuan in various loans to support the development and upgrading of the private economy [1][2]

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]

Core Viewpoint - The integration of technology and finance is crucial for the innovation and development of enterprises, particularly in the context of the oil drilling equipment manufacturing sector in Heilongjiang Province. Group 1: Company Overview - Heilongjiang Province's Hailin Xinke Petroleum Wear-Resistant Tools Co., Ltd. has been operational for over a decade and is recognized as an "innovation leader" in the oil drilling equipment manufacturing field [1][2]. - The company has faced significant funding gaps as it expands its business, necessitating support from financial institutions [2]. Group 2: Financial Support and Innovation - The People's Bank of China in Mudanjiang has established a comprehensive technology finance service system, enhancing financial services for technological innovation, with a loan balance for technology-based enterprises reaching 3.517 billion yuan by the end of May [1][3]. - The Industrial and Commercial Bank of China provided a credit limit of 3 million yuan to Hailin Xinke, enabling the company to purchase new equipment and expand its R&D team, thus revitalizing its innovation projects [2]. Group 3: Financial Products and Services - Various financial institutions in Mudanjiang have developed specialized credit products to meet the needs of technology-based enterprises, such as the "Kechuang Loan" with a maximum limit of 8 million yuan and favorable interest rates [4]. - The Construction Bank introduced the "Shanke Loan," tailored for small and micro technology enterprises, utilizing an online and offline process to better serve the growth needs of these companies [4].

Core Viewpoint - The recent Central Financial Committee meeting emphasized the need for high-quality development of the marine economy, focusing on innovation, efficient collaboration, industrial upgrades, harmony between humans and the sea, and cooperative win-win strategies [1] Group 1: Financial Services for Marine Economy - The banking sector is innovating financial services across the entire industrial chain to promote high-quality development of the marine economy, from revitalizing traditional industries to nurturing emerging sectors [2] - China Bank's Jiangsu branch launched a supply chain financing product "Rongyixin" to alleviate funding pressure for upstream suppliers in the shipbuilding industry, with a credit balance exceeding 1.5 billion yuan [2] - Industrial and Commercial Bank of China successfully led the issuance of a 530 million yuan technology innovation bond for Jiangsu Guoxin Group, aimed at funding offshore wind power and new energy storage projects [2] Group 2: Collaborative Financial Solutions - Fujian Shishi Rural Commercial Bank developed a comprehensive financial service plan for a marine biological food park, granting 170 million yuan in credit to 27 enterprises, increasing deep processing from 35% to 68% [3] - Agricultural Bank of China's Guangdong Zhanjiang branch established a marine financial service center to support the construction of marine granaries through integrated supply chain finance and cross-border settlement [3] - Experts suggest banks should focus on supporting emerging marine industries and encourage collaboration among marine equipment manufacturing, fisheries, and transportation sectors [3] Group 3: Addressing Marine Technology Challenges - Marine technology faces funding shortages due to long R&D cycles and high risks, necessitating targeted banking support [4] - China Bank's Tianjin Binhai branch provided a 60 million yuan equipment upgrade loan to a national-level specialized enterprise focused on underwater intelligent systems [4] - Shanghai Pudong Development Bank's Qingdao branch created a credit solution for a marine technology company facing liquidity issues, utilizing marine usage rights as collateral [4] Group 4: Recommendations for Financial Innovation - Experts recommend banks innovate financial services and risk management models, including establishing marine technology special funds and offering long-term, low-interest loans [5] - Collaboration with government and research institutions is suggested to create risk compensation funds to share innovation risks [5] - Providing comprehensive services tailored to different stages of marine technology enterprises is essential for facilitating the transformation of scientific achievements into productive forces [5] Group 5: Future Outlook - The financial sector is expected to continue providing vital support for the development of the marine economy, contributing to the construction of a strong marine nation [6]

Group 1: Financial Support for Key Industries - The People's Bank of China (PBOC) Ningde Branch focuses on financial services for key industrial chains, aiming to create a favorable monetary environment for high-quality economic development in Ningde [1] - Ningde has developed four main industries: lithium battery new energy, new energy vehicles, stainless steel new materials, and copper materials, which are crucial for its economic growth [2] - As of February 2025, the local financial institutions have issued a total of 1.694 billion yuan in technology innovation and technical transformation re-loans [2] Group 2: Green Finance Initiatives - Ningde has initiated the "Electric Ningde" plan to promote carbon neutrality, integrating carbon peak and carbon neutrality goals into its economic development [4] - The PBOC Ningde Branch has implemented a green finance service system, with green loans accounting for 24.47% of total loans by the end of 2024, the highest in the province [4][5] - Financial institutions have provided 414 million yuan in credit to support electric shipbuilding and charging facilities as of January 2025 [5] Group 3: Inclusive Finance Development - The PBOC Ningde Branch has established various inclusive finance initiatives, including "fishing farm loans" and a "guarantee cloud" online platform, to support local特色产业 [6] - The "financial special commissioner" model has been implemented, with 398 financial personnel sent to 131 towns and districts to enhance financial services [6] - Since the launch of the "Hundred Bankers into Thousand Enterprises" initiative, 2,378 new credit approvals totaling 24.035 billion yuan have been granted [6] Group 4: Support for Specific Industries - The sea cucumber industry in Xiapu County has seen significant growth, with a production of approximately 102,000 tons in 2024, accounting for over 30% of the national market [7] - A sea cucumber farmer received a 500,000 yuan "Huinong e-loan" to expand operations, demonstrating effective financial support for local agriculture [8] Group 5: Elderly Care Financial Services - The PBOC Ningde Branch is enhancing financial support for the elderly care industry, with a focus on developing specialized financing solutions [9] - A loan of 20 million yuan was issued to support a senior care project, showcasing the commitment to improving elderly services [9] Group 6: Digital Financial Innovations - The PBOC Ningde Branch is promoting digital financial services, including the establishment of a "digital brain" platform for the edible fungus industry to facilitate financing [10] - As of February 2025, the local credit union has issued 5791 "Fugu Digital Economic Loans" totaling 480 million yuan, supporting the digital transformation of the edible fungus industry [10][11]