创新是产业升级的核心引擎，也是企业发展的核心竞争力。为精准支持辖内科技型企业向科技化、高端 化转型，岚山农商银行聚焦企业融资需求，推出"梯度培育、重点扶持"专项策略，通过创新金融产品、 深化政银协同、优化服务模式，有效破解行业"轻资产"融资瓶颈，为区域科创产业发展注入金融动能。 优化服务模式，匹配科创企业发展节奏 为实现金融服务精准对接，岚山农商银行进一步深化链动服务与流程优化，组建"1+N"专属服务团队， 开展常态化现场回访，根据企业研发周期、研发投入需求灵活匹配贷款方式、额度和期限，探索"长短 结合"的贷款期限形式；将企业纳入科创"白名单"，开辟绿色办贷通道，打造"一次办好"服务模式，落 实全流程限时办贷制度，"线上审批+随时审批"制度相结合，搭配利率优惠与循环用款机制，有效降低 企业融资成本。 深化政银协同，搭建全方位服务平台 精准对接需求，定制化破解融资难题 针对橡塑制造科技企业特点，该行以"一户一策"精准匹配金融方案，成功助力多家企业纾困增效。日照 市名邦橡塑有限公司作为国内一线家电制造商配套供应商，订单稳定但受应收账款账期影响，流动资金 短缺。该行在行业走访中获悉情况后，主动联动区科技局，协助企业 ...

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 ...

Core Insights - Shandong Zibo Zhangdian Rural Commercial Bank has implemented initiatives like "thousand enterprises and ten thousand households visits" and "financial guidance" to focus on the needs of technology innovation enterprises [1][2] - The bank has successfully streamlined its loan approval process, exemplified by a five-day turnaround for technology patent pledge loans, addressing urgent funding needs for businesses [1][2] Group 1: Business Initiatives - The bank prioritizes support for clients with good operational performance and credit ratings, particularly those aligned with government subsidy policies and national industrial guidelines [1] - A specialized team has been established to enhance financial services, utilizing both online and offline channels to connect with clients and provide tailored product recommendations [2][3] Group 2: Financial Performance - As of now, the bank has supported 191 technology enterprises, an increase of 18 since the beginning of the year, with a total loan balance of 1.336 billion yuan, up by 217 million yuan [3] - The proportion of loans to technology enterprises has reached 7.99%, reflecting a 0.94 percentage point increase from the start of the year, demonstrating the bank's commitment to supporting innovation and economic development [3]

Core Viewpoint - The article emphasizes that corporate social responsibility (CSR) has evolved from a supplementary aspect to a fundamental requirement for companies, particularly for state-owned financial institutions like CITIC Bank Beijing Branch, which integrates CSR into its core operations to support national strategies and societal development [1][2]. Group 1: Strategic Direction - CITIC Bank Beijing Branch places CSR at a strategic level, focusing on green development and rural revitalization, guided by national policies and leveraging group advantages to create a sustainable financial system [2]. - The bank has established a comprehensive green finance service system that aligns with the "dual carbon" goals and national financial directives, emphasizing the importance of green low-carbon transformation in its credit policies [3]. Group 2: Green Finance Initiatives - The bank prioritizes financing for energy infrastructure, ecological protection, and green transportation while strictly controlling financing for high-emission projects, thus promoting a green economic structure [3]. - It has successfully facilitated over 1 billion yuan in green financing projects, including wind power and carbon-neutral asset support plans, demonstrating effective alignment of green funds with quality assets [3]. Group 3: Rural Revitalization Efforts - CITIC Bank Beijing Branch has developed a collaborative service system for rural revitalization, enhancing financial services from mere capital injection to ecological empowerment through strategic partnerships [4]. - The bank led the issuance of 8 billion yuan in bonds for rural revitalization projects, significantly contributing to the dairy and clean energy sectors [4]. Group 4: Enhancing Livelihoods - The bank focuses on addressing diverse urban consumer needs through digital innovation and scenario-based services, enhancing financial service efficiency and warmth [5]. - It has implemented electronic signing for personal loan agreements, significantly reducing processing times and improving customer experience [6]. Group 5: Financial Security and Technology - CITIC Bank Beijing Branch is pioneering the "Technology Achievement Transformation Loan" to support innovation-driven enterprises, ensuring that financial resources reach the forefront of technological development [7]. - The bank has established a robust anti-fraud mechanism, actively protecting consumer rights and ensuring a secure financial environment [7]. Group 6: Employee and Community Engagement - The bank invests in employee welfare through programs like the Employee Assistance Program (EAP), fostering a supportive work environment [8]. - It engages in community initiatives, such as book donation drives and discussions on pension finance, showcasing its commitment to social responsibility and industry leadership [8]. Group 7: Future Commitment - CITIC Bank Beijing Branch aims to continue aligning its CSR practices with national development goals, enhancing financial services for the public, and contributing to societal welfare [8].

Group 1 - Financial services are crucial for the high-quality development of the technology service industry, with a focus on integrating financial support with industrial innovation [1][2] - During the "14th Five-Year Plan" period, China aims to establish a financial service system that aligns with industrial innovation, facilitating over 1.2 trillion yuan in enterprise financing through specialized financial products [1] - In Beijing, venture capital and private equity investments reached 103.8 billion yuan from January to August, marking a 19.4% year-on-year increase, with early-stage investments growing by 51% [1] Group 2 - Banks are evolving their service models by focusing on dynamic operational behaviors such as R&D investment and human capital, utilizing big data and privacy computing to enhance credit accessibility for enterprises [2] - There are existing challenges in financing for small and micro technology enterprises, including high costs and insufficient service levels for early-stage investments in hard technology [2] - The Ministry of Industry and Information Technology emphasizes the need for innovative financial products and services to support the entire chain of enterprise incubation and technology transfer [2] Group 3 - Global technological competition necessitates higher quality financial support, particularly for revolutionary hard technology innovations that require substantial and continuous funding [3] - The Ministry of Industry and Information Technology plans to enhance mechanisms, nurture key players, build platforms, and optimize ecosystems to promote high-quality development in the technology service industry [3]

Core Insights - Financial services are crucial for the high-quality development of the technology service industry, acting as both the "bloodline" of the real economy and the "water" that nurtures scientific and technological advancements [1][2][3] Group 1: Financial Empowerment in Technology - During the 2025 Financial Street Forum, discussions highlighted the importance of a financial service system that aligns with industrial innovation, with over 1.2 trillion yuan in financing facilitated for enterprises through specialized financial products [1] - In Beijing, venture capital and private equity investments reached 103.8 billion yuan from January to August, marking a 19.4% year-on-year increase, while early-stage investments grew by 51% [1] Group 2: Challenges and Recommendations - Despite achievements in technology finance, challenges remain, such as the difficulty and high cost of financing for small and micro technology enterprises, and insufficient service levels for early-stage investments in hard technology [2] - Recommendations include enhancing product innovation and developing financial tools and services specifically for enterprise incubation and technology transfer [2] Group 3: Future Directions - The need for continuous financial support for revolutionary "hard technology" innovations was emphasized, with a focus on nurturing enterprises from small beginnings to significant growth [3] - The Ministry of Industry and Information Technology aims to strengthen mechanisms, cultivate main entities, build platforms, and optimize ecosystems to promote high-quality development in the technology service industry [3]

Core Insights - The collaboration between Qixia City and Shandong Agricultural Development Credit Guarantee Co., Ltd. has effectively addressed the financing challenges faced by agricultural operators through a "bank-guarantee" framework [1][3] - A comprehensive financial product system has been established, covering the entire agricultural industry chain, particularly focusing on the apple industry in Qixia [1][2] - The partnership has resulted in over 569 million yuan in loans issued, benefiting 378 agricultural operators, thus significantly contributing to local economic development [3] Group 1: Financial Product Innovation - Qixia City has launched various financial products with high limits, low interest rates, and flexible terms, specifically designed for agricultural operators such as family farms and cooperatives [1] - The financial services cover all aspects of the apple industry, including specialized loans for planting, storage, and sales, thereby providing comprehensive support [1] Group 2: Service Optimization - Qixia City has implemented targeted customer engagement activities to better understand and meet the financial needs of local agricultural enterprises [2] - The successful case of Xiaokeling Ecological Agriculture Cooperative highlights the effectiveness of the direct financial connection service, which facilitated a 3 million yuan loan to support modern agricultural practices [2] Group 3: Focus on Key Industries - The collaboration has prioritized investment in agriculture and cultural tourism, addressing the significant financing challenges in these sectors [2] - A notable example includes the provision of a 3 million yuan loan guarantee for the development of the Tianlushan Scenic Area, enhancing local tourism infrastructure and creating job opportunities [2][3]

Core Insights - Taizhou is rapidly advancing along the "415X" advanced manufacturing cluster development path, focusing on sectors such as automotive parts, intelligent equipment, biomedicine, and new materials [1] - CITIC Bank Taizhou Branch is committed to serving the local real economy, leveraging its unique advantages to provide tailored financial services for technology-driven enterprises [1][2] Group 1: Financial Services and Support - CITIC Bank Taizhou Branch has developed a "full lifecycle" financial service plan for over 300 local technology enterprises, facilitating their innovation efforts [1] - The bank has introduced the "Taike Loan" product, offering up to 50 million yuan in credit loans with preferential interest rates, having issued over 900 million yuan to more than 40 enterprises [2] - A new "Technology Achievement Transformation Loan" has been launched to support research institutions and hospitals in the early stages of project commercialization, focusing on technology prospects and market potential rather than traditional collateral [2] Group 2: Collaborative Ecosystem - The upgrade of Taizhou manufacturing relies on both industrial chain collaboration and capital chain empowerment, with CITIC Bank integrating various resources to create a comprehensive service system for enterprises at all stages [3] - The bank collaborates with local government industrial funds and has established specialized investment funds for key industries like intelligent equipment and biomedicine, providing both financial and resource support to startups and growing enterprises [3] - CITIC Bank Taizhou Branch aims to continue nurturing the local innovation ecosystem, enhancing the financial support for the manufacturing sector and contributing to high-quality development [3]

Core Viewpoint - The banking industry, as a key player in the modern financial system and a vital supporter of the real economy, is increasingly engaging in the technology finance sector, with CITIC Bank leading the way by integrating technology finance into its strategic development [2] Group 1: Financial Innovation - CITIC Bank has introduced innovative financial products that focus on "future potential" rather than historical financial performance, exemplified by its first option loan transaction in August, which supports early-stage technology enterprises [5][6] - The "option loan" model allows CITIC Bank to support technology companies that lack traditional collateral, thus broadening their financing channels and demonstrating the bank's commitment to nurturing early-stage tech firms [6] - The "mid-term research insurance + technology achievement transformation loan + option loan" project creates a comprehensive support system that benefits banks, enterprises, and insurance companies [7] Group 2: Ecosystem Empowerment - CITIC Bank recognizes that technology enterprises require more than just financial products; they need comprehensive services including technical support and policy consultation to address key pain points in technology finance [10] - The establishment of a Technology Finance Center at CITIC Bank aims to integrate resources and expertise from various departments to better serve technology enterprises [11] - By collaborating with government agencies, investment institutions, and industry leaders, CITIC Bank has created five ecological circles to provide diverse financial services throughout the entire lifecycle of technology enterprises [11] Group 3: Collaborative Efficiency - CITIC Bank leverages the comprehensive advantages of CITIC Group to develop a unique financial service model, launching the CITIC Equity Investment Alliance to provide a one-stop comprehensive financial service model [14] - The CITIC Equity Investment Alliance has managed funds exceeding 320 billion and has invested in over 1,100 technology enterprises, showcasing the bank's commitment to supporting early-stage tech firms [14] - As of June 2025, CITIC Bank's technology enterprise loan balance reached 660.637 billion, reflecting an 8.14% increase year-on-year, indicating the bank's effective engagement in the technology finance sector [15]

Core Insights - The article discusses the innovative approaches taken by CITIC Bank in the realm of technology finance, emphasizing a shift from traditional credit reliance on historical financial performance to a focus on future potential [1][2][3] Group 1: Innovative Financial Products - CITIC Bank has introduced a "choice loan" model that allows for the financing of high-tech enterprises, particularly those with intangible assets like intellectual property, thus overcoming traditional collateral barriers [1] - The "Mid-term Research Insurance Loan" combines credit support and risk compensation, facilitating the transformation of scientific research into production [2] - A comprehensive product service system has been established, covering various stages of enterprise development, including "Technology Achievement Transformation Loan" and "Torch Loan" [2] Group 2: Ecosystem Empowerment - CITIC Bank is creating a collaborative ecosystem involving government departments, investment institutions, and industry leaders to provide diversified financial services throughout the entire lifecycle of technology enterprises [5] - The establishment of a Technology Finance Center at CITIC Bank aims to integrate resources and expertise to better serve the diverse needs of technology companies [3][4] Group 3: Collaborative Efficiency - The CITIC Equity Investment Alliance has been launched to provide a one-stop comprehensive financial service model, focusing on early-stage technology enterprises [6] - As of July 2024, the CITIC Equity Investment Alliance manages over 320 billion yuan in funds and has invested in over 1,100 technology companies [6] Group 4: Performance Metrics - As of June 2025, CITIC Bank's technology enterprise loan balance reached 660.637 billion yuan, reflecting an 8.14% increase year-on-year, with a customer base of 92,100 technology clients [7] - The bank has successfully engaged with national-level specialized and innovative enterprises, with a total of 10,947 accounts opened in this segment [7]