"一县一业一策"服务体系 激活县域特色经济 "我是土生土长的莆田仙游人，一直以来都想把当地特产推广出去。"丰收节当天，在福建仙游举办的 2025"福农优品·在家乡等你来"网络直播活动上，福建大老古食品有限公司负责人郑新岳向《农村金融 时报》记者说道。 郑新岳是莆田市非物质文化遗产代表性项目莆田小吃制作技艺代表性传承人，通过创建大老古食品公 司，将仙游灰蛋带出莆田，带动当地农民增收致富。 眼下，大老古食品公司正计划建设新的生产线，提升产量，丰富产品种类。兴业银行帮助企业对接政府 惠企政策，通过"专精特新专项贷""普惠贷"等利率优惠的特色产品，有效缓解企业流动资金压力。 产业兴则县域兴。今年以来，兴业银行围绕县域产业特点，推出"一县一业一策"定制化金融服务方案， 全力支持县域产业蓬勃发展。 ■本报记者 陈衍水 稻谷飘香，瓜果满园，大江南北的农田里洋溢着丰收的喜悦，农业强、农村美、农民富的幸福画卷正在 希望的田野上徐徐展开。 兴业银行坚持金融为民，将服务乡村振兴作为重大政治任务、战略发展新空间，推动产品创新、资金倾 斜、人才下沉、科技下乡，不断探索具有兴业特色、行之有效的乡村振兴金融服务模式。截至今年6月 末，该行 ...

Core Viewpoint - Shanghai Bank aims to enhance its financial services and expand its loan offerings, particularly in inclusive finance, with an expected increase of over 8 billion yuan in loans in the second half of the year [1] Group 1: Financial Performance - In the first half of 2025, Shanghai Bank's net interest margin slightly decreased by 4 basis points year-on-year, with a smaller decline of 13 basis points compared to the previous year, indicating a stable trend [3] - The bank has optimized its asset structure and increased the proportion of interest-earning assets while dynamically adjusting deposit pricing strategies to improve the cost of interest-bearing liabilities [3] Group 2: Loan Growth Strategy - Shanghai Bank plans to focus on key areas such as technology, green finance, and inclusive finance, with expectations of a 10 billion yuan increase in technology finance loans and an 8 billion yuan increase in inclusive finance loans in the second half of the year [4] - The bank will enhance its service capabilities in key sectors and regions, particularly in the Yangtze River Delta and the Greater Bay Area, to support the national strategy [4] Group 3: Retail Lending Focus - In retail lending, Shanghai Bank will prioritize housing mortgages and auto loans, with a significant increase in mortgage lending in major cities, totaling 11.093 billion yuan in the first half of the year, a year-on-year increase of 16.98% [5] - The bank is actively entering the new energy vehicle market, with auto loan balances reaching 14.642 billion yuan, a growth of 12.78% compared to the end of the previous year [5] Group 4: Asset Quality Management - The retail business's asset quality has weakened due to macroeconomic cycles, with an increase in non-performing loans, particularly from internet platform loans [6] - Shanghai Bank plans to strengthen risk management for retail loans by implementing differentiated control strategies to maintain stable asset quality [6]

科技日报讯 （记者谢开飞 通讯员高凌）记者9月19日获悉，"数汇八闽 智启新程——科技金融赋能 高质量发展"大会日前在福建省福州市举行。会上，福建省科技厅与交通银行福建省分行签署战略合作 协议，交通银行福建省分行将力争3年内为省内高新技术企业等科技型企业提供总额不低于1000亿元人 民币的授信支持。目前，该省积极引导和推动多家金融机构累计向科技型企业投放"科技贷"超430亿 元。 据悉，根据协议，福建省科技厅与交通银行福建省分行今后将主要在四个方面深化政银企合作：一 是推动科技金融产品创新，持续加强科技成果转化贷款合作，助力科技成果转化与产业化；二是聚焦各 类科技创新载体提供金融服务；三是推广应用"创新积分制"；四是支持交通银行福建省分行建设发展科 技金融实验室。 福建省科技厅相关负责人介绍，近年来，福建省科技厅深入贯彻落实中央和福建省委、省政府关于 科技金融的部署要求，积极拓展政银企合作。目前，福建省科技厅已与6家金融机构签署战略合作协 议，与24家金融机构建立"科技贷"合作关系，并依托福建省"金服云"平台建设全省首个科技创新主体融 资需求库，常态化开展科技型企业融资需求征集工作等，为科技型企业与金融机构搭 ...

Core Viewpoint - The Henan Provincial Government has issued a financial service implementation plan aimed at enhancing support for technological innovation, focusing on a comprehensive financial service system for technology-driven enterprises [1] Group 1: Financial Support for Technological Innovation - The plan emphasizes the exploration of a "stock-loan-bond insurance" linkage mechanism, targeting early, small, long-term, and hard technology investments [1] - It aims to strengthen financial services throughout the entire chain of technological innovation and the full lifecycle of technology-based enterprises [1] - The initiative includes the establishment of specialized financial branches by banks and insurance institutions to support technology finance [1] Group 2: Specific Financial Products and Actions - The plan promotes "technology loans," "specialized and innovative loans," and risk compensation for intellectual property pledge financing, with a focus on improving and expanding these services [1] - Actions will be implemented to facilitate first-time loans for technology enterprises and expand credit loans, with a target of achieving a loan growth rate of no less than 20% for technology-based SMEs by 2025 [1] - Financial institutions are encouraged to engage deeply with innovation platforms like the Central Plains Science and Technology City [1] Group 3: Bond Financing and Collaborative Platforms - The plan includes actions to enhance the issuance of bonds in the interbank market, with a focus on cultivating key areas and providing ongoing bond issuance guidance [1] - There is an intention to issue more "technology board" innovation bonds to support technological advancements [1] - The establishment of a "Technology Finance Alliance" and a "Technology Insurance Co-Insurance Body" is proposed to create a diversified financial service platform [1]

Group 1 - The event "Driving Specialized, Refined, Unique, and Innovative Enterprises" was organized to promote financing for specialized enterprises in Henan Province, highlighting the importance of these enterprises in technological innovation and economic development [1][2] - China CITIC Bank Zhengzhou Branch introduced customized financial products such as "Technology Loan" and "Innovation e-Loan," along with comprehensive service solutions like investment-loan linkage and cross-border settlement [1] - The event served as a platform for communication between banks and enterprises, aiming to enhance financial service models and support the growth of specialized enterprises, contributing to high-quality economic development [2] Group 2 - The Secretary-General of the Henan Specialized, Refined, Unique, and Innovative Enterprises Promotion Association emphasized the role of these enterprises as leaders in technological innovation and key players in industrial upgrading [1] - The association aims to integrate resources and provide multi-level support for enterprises, encouraging financial institutions to innovate credit models and offer more precise financial products [1]

Core Viewpoint - Zhongyuan Bank's 2025 interim report highlights its focus on becoming a leading urban commercial bank and enhancing its brand influence through quality financial services, achieving significant recognition in the banking sector [1][2]. Group 1: Financial Performance - As of the end of the reporting period, Zhongyuan Bank's total assets reached 1,407.93 billion yuan, an increase of 42.73 billion yuan, or 3.1% from the previous year [2]. - The total loan amount (excluding accrued interest) was 715.02 billion yuan, with a slight increase of 0.1% [2]. - The deposit balance (excluding accrued interest) was 943.68 billion yuan, reflecting an increase of 54.24 billion yuan, or 6.1% [2]. - The bank achieved an operating income of 13.563 billion yuan and a net profit of 2.129 billion yuan, with capital adequacy ratios showing improvement [2]. Group 2: Strategic Focus - Zhongyuan Bank is implementing a differentiated development strategy focusing on four key areas: government banking, industrial banking, citizen banking, and rural revitalization banking [2][3]. - The bank aims to enhance its competitive edge by deepening reforms and providing high-quality services to support the economic development of Henan province [2]. Group 3: Support for the Real Economy - Zhongyuan Bank emphasizes its role in supporting local economic development, particularly through its industrial banking initiatives [3]. - The bank has strengthened its support for technology-driven enterprises, with a technology finance loan balance of 67.58 billion yuan, including 45.30 billion yuan for technology companies [3][4]. Group 4: Support for SMEs - The bank has increased its credit supply to private and small enterprises, providing inclusive small loans totaling 47.25 billion yuan at an average interest rate of 3.64% [6]. - As of June 30, 2025, the balance of inclusive small loans was 96.82 billion yuan, with a year-on-year increase of 7.46% [6]. Group 5: Rural Revitalization - Zhongyuan Bank is committed to rural revitalization, offering products like "Industry Inclusive Loans" and "Yunong Loans" to support various agricultural stakeholders [7]. - The bank has developed 92 industry service solutions covering key agricultural sectors in Henan province, with cumulative disbursements of 4.858 billion yuan for industry inclusive loans [7][8]. Group 6: Expansion of Service Network - The bank has established 168 county-level branches, 87 town-level branches, and nearly 5,000 service points, enhancing its financial service accessibility [8]. - The mobile banking service for rural users has reached 4.1909 million users, an increase of 763,400 from the previous year [8].

Group 1 - Dongguan's financial committee reported significant progress in supporting small and medium-sized enterprises (SMEs) financing, with a record high of 25.35 billion yuan in financing guarantees in Q1 2025, representing a year-on-year increase of 320.85% [2][3] - The Dongguan "Xinyi Loan" platform has successfully issued 9,487 financing approvals, accumulating a total credit amount of 757.39 billion yuan, with 24 banks participating and 208 financial products launched [4][6] - The average interest rate for enterprise loans is 2.84%, while the average interest rate for small and micro enterprise loans is 3.18%, both showing a decline of over 70 basis points year-on-year [3][4] Group 2 - Dongguan is actively encouraging listed companies to establish merger and acquisition (M&A) funds, focusing on strategic emerging industries and future industries [5][6] - Three state-owned enterprises in Dongguan have initiated the establishment of industry M&A funds, with a total investment fund system exceeding 690 billion yuan, targeting high-tech and high-quality production enterprises [6][7] - Dongguan's listed companies are expanding into overseas emerging markets, with 45 A-share listed companies (72.58%) engaging in internationalization through overseas production bases and sales networks [7][8]

Core Viewpoint - The Industrial and Commercial Bank of China Dongguan Branch (Dongguan ICBC) is actively implementing financial support measures for small and micro enterprises, enhancing credit supply, and optimizing service mechanisms to stabilize local economic development [2] Group 1: Financial Support for Small and Micro Enterprises - Dongguan ICBC has served over 28,200 small and micro enterprises, with a loan approval rate of 99% for 8,384 loan applications in Q2 2025 [3] - The balance of inclusive loans reached 64.7 billion yuan by the end of June 2025, with a 30 basis point reduction in the average interest rate of newly issued inclusive loans compared to the end of 2024 [3] - The bank has integrated government guarantees and financial subsidies to address the financing challenges faced by small enterprises, approving 46 entrepreneurial guarantee loans totaling 160 million yuan [3] Group 2: Customer Engagement and Service Optimization - Dongguan ICBC has actively participated in government-organized financing coordination activities to ensure small enterprises are aware of available financial products [5] - The bank has conducted targeted services in industrial parks, providing one-on-one consultations and product explanations to meet specific customer needs [5] - A "branch + sub-branch" linkage mechanism has been established to enhance service delivery, with over 30,000 enterprises visited and a total credit issuance exceeding 30 billion yuan since the implementation of the financing coordination mechanism [6] Group 3: Innovative Financial Products and Services - Dongguan ICBC has introduced a series of specialized financial products such as "Wool Weaving Loan," "Vegetable Basket Loan," and "Technology Loan" to support key sectors like rural revitalization and advanced manufacturing [6] - The bank has promoted non-repayment renewal loans to address the challenges of loan transfers, providing flexible support measures for struggling enterprises [6] - Future plans include strengthening support for rural revitalization, advanced manufacturing, and high-tech sectors, while continuing to innovate financial products [7]

Core Viewpoint - The strategic cooperation agreement between Henan Rural Commercial Bank and the Henan Provincial Department of Agriculture and Rural Affairs aims to inject strong financial momentum into the development of agriculture, rural areas, and farmers by providing 400 billion yuan in agricultural loans over the next three years, focusing on food security, rural prosperity industries, and new agricultural productivity [1][2][3]. Group 1: Financial Support for Food Security - Henan Rural Commercial Bank has created various financial products such as "High Standard Farmland Loan," "Planting Loan," and "Storage Loan" to provide comprehensive financial services for the agricultural supply chain, with a total of 58.7 billion yuan in loans for grain production and processing [2]. - The cooperation agreement emphasizes the importance of "storing grain in the ground and technology," offering a package of financial services for high-standard farmland construction and providing intellectual property pledge financing for seed industry enterprises [2]. Group 2: Support for Rural Prosperity Industries - The bank has developed a tailored action plan to support rural prosperity industries, focusing on local characteristics and specific needs, resulting in over 100 specialized financial products such as "Garlic Loan" and "Spicy Noodle Loan," with 44.133 billion yuan in loans issued to county-level prosperity industries [3]. - The bank serves approximately 208,600 agricultural industry chain clients, demonstrating its commitment to localized financial solutions [3]. Group 3: Inclusive Financial Services - Henan Rural Commercial Bank aims to enhance financial service accessibility through a "党建+网格+大数据" model, achieving a credit coverage rate of 73.41% for county farmers and a usage rate of 14.34% [4]. - The bank has issued 47.3 billion yuan in small loans to impoverished populations, reinforcing its commitment to poverty alleviation and rural revitalization [4]. Group 4: Empowering Agricultural Technology - The bank has established a dedicated credit quota for the technology sector, offering loans totaling 8.385 billion yuan to 942 agricultural technology enterprises, supporting long-term and low-cost financing [5]. - It is also focusing on supply chain financial products for agricultural machinery manufacturing, facilitating financial services for the entire industry chain [5]. Group 5: Integration of Financial Services in Rural Governance - The bank actively participates in grid governance by collaborating with community organizations, providing professional financial consulting, and promoting a trustworthy credit environment through credit village and credit household evaluations [6][7]. - Initiatives such as "Financial Knowledge Going to the Countryside" aim to educate the public on financial safety, enhancing community engagement and cultural life [7].

Core Viewpoint - The development of technology finance is essential for accelerating the construction of a strong financial nation and fostering new momentum for high-quality development [1] Group 1: Financial Support for Technology Enterprises - Local financial management departments and institutions are encouraged to implement detailed measures to support technology finance, including enhancing credit support for technology innovation [1][5] - Hunan Lihua Houpu Technology Co., Ltd. received a loan of 10 million yuan based on the assessed value of its intellectual property, highlighting the importance of patents in financing [2] - The People's Bank of China in Zhuzhou has issued implementation opinions to guide banks in focusing credit resources on technology enterprises [2][3] Group 2: Innovative Financial Products - Zhuzhou Construction Bank has introduced "Technology Loans" to support technology enterprises in key industries, while Zhuzhou Rural Commercial Bank has developed various loan products tailored to the needs of technology firms [3] - The cumulative issuance of "intellectual property pledge" loans reached 91.1 million yuan, benefiting 630 technology enterprises in Zhuzhou [3] - The average interest rate for technology loans in Zhuzhou is 3.75%, which is 68 basis points lower than the average rate for general loans [6] Group 3: Efficient Financial Services - Companies like Lifan New Energy have benefited from quick loan approvals, receiving 10 million yuan in "Technology e-loans" within 10 minutes, showcasing the efficiency of banking services [4] - Since 2024, banks have issued a total of 1.495 billion yuan in technology loans, indicating a strong commitment to supporting technology enterprises [4] Group 4: Government and Bank Collaboration - The People's Bank of China has established a 500 billion yuan re-lending program at a 1.75% interest rate to support technology innovation and transformation [5] - A total of 57 projects have been approved under this re-lending program, with a financing demand of 2.62 billion yuan [5] Group 5: Financing Connection Activities - Recent financing connection activities have facilitated partnerships between over 160 technology enterprises and banks, resulting in signed agreements totaling 7.35 billion yuan [7][8] - The People's Bank of China in Zhuzhou has organized 17 financing connection events, leading to the implementation of 92 loan projects worth 16.85 billion yuan [8] - A specialized service mechanism for quality technology enterprises has been established to enhance the coverage of high-tech enterprises [8]