深圳历来被公认为全球城市发展史上的奇迹。 45年前，这里还只是一个人口3万、城区面积仅3平方公里的小镇，没有一所大学，科研基础几近空白。 依托经济特区政策，深圳在短短45年间迅速崛起为GDP达3.68万亿元、人口近1800万的现代化大都市， 并赢得了"中国硅谷""工业第一城""外贸第一城"等称号。 如今，在先行示范区与粤港澳大湾区的"双区"战略驱动下，深圳被赋予了更广阔的发展定位——在大湾 区数个核心城市中，深圳尤为突出的特点是金融与科技产业的深度结合，逐步成为产业金融中心、科技 金融模式的前沿阵地。 其间，商业银行探索形成的"深圳经营""深圳模式"，持续在银行体系内部以及全国范围复制与推广。 据深圳人行数据，2025年上半年，深圳目前已形成科技、普惠贷款余额2个"2万亿"，绿色、数字经济贷 款余额2个"1万亿"的信贷格局，规模居全国各城市前列。 作为最早扎根深圳地区的金融机构之一，中国建设银行深圳市分行深刻认识到科技金融对于推动科技创 新和产业升级的价值，紧扣"双区"战略定位，持续推动金融支持实体经济的创新实践。 超级城市的"超级基建" 因"建设"而起，向"建设"而生。 在上个世纪设立之初，中国建设银行即以 ...

深圳历来被公认为全球城市发展史上的奇迹。 4 5年前，这里还只是一个人口3万、城区面积仅3平方公里的小镇，没有一所大学，科研基础 几近空白。 依托经济特区政策，深圳在短短4 5年间迅速崛起为GDP达3 . 6 8万亿元、人口近1 8 0 0万的现代 化大都市，并赢得了"中国硅谷" "工业第一城" "外贸第一城"等称号。 如今，在先行示范区与粤港澳大湾区的"双区"战略驱动下，深圳被赋予了更广阔的发展定位 ——在大湾区数个核心城市中，深圳尤为突出的特点是金融与科技产业的深度结合，逐步成 为产业金融中心、科技金融模式的前沿阵地。 1 9 8 6年深圳建行支持广深双线工程建设， 图为1 9 9 0年代的广深双线 在完成向专业银行、商业银行的转变后，支持国家重大基建项目的愿景依然刻在建行的基因 里。 作为最年轻的一线城市，深圳在上世纪8 0年代才迎来快速发展期，第一条地铁在2 0 0 4年年末 才正式开通运营。 从一个边陲小镇崛起为现代化国际大都市的过程中，深圳建设了众多的"超级工程"。大亚湾 核电站、广深高速、深中通道。这些"超级工程"除了施工难度之外，也有着众多的金融机构 的支持。 其间，商业银行探索形成的"深圳经 ...

养老金融: 守护银发安康，构建产业生态圈 随着人口老龄化加速，养老产业成为社会关注的焦点，中央金融工作会议明确提出金融系统要做好包括 养老金融在内的"五篇大文章"。农行珠海分行积极响应国家战略，以金融之力赋能养老产业发展，通过 精准服务生物医药企业，为老年健康保驾护航。 近日，农行珠海分行成功为绿竹生物制药(珠海市)有限公司提供3亿元贷款支持，助力其重组带状疱疹 疫苗研发与生产基地建设。农行珠海分行此次对珠海绿竹的支持，是其服务养老产业的一个缩影。 近年来，农行珠海分行将养老金融作为重点发展方向，通过"三专"服务模式——专项政策、专属产品、 专业团队，为养老产业注入金融活水。一方面，针对养老机构、医疗企业等推出差异化信贷政策，简化 流程、优化担保方式；另一方面，创新"养老贷"等产品，满足企业多元化需求。此外，还联合政府、行 业协会举办银企对接会，精准匹配资源，以金融能量助力养老产业生态圈建设。 绿色金融: 在农行珠海分行信贷支持下，由珠海市海洋集团投资建设的现代化海洋牧场"标准海"样板区(隘洲)项目 顺利投产。 近年来，在服务实体经济、助力地方发展的征程中，农行珠海分行以精准高效的金融服务，在养老金 融、绿色 ...

Core Insights - The article discusses the challenges faced by small and micro technology enterprises in securing financing due to rising raw material costs and limited collateral options, highlighting the establishment of a new financing coordination mechanism in Shandong to address these issues [1][2][3]. Group 1: Financing Challenges - Many small technology enterprises, like Weifang Tianxin, struggle with cash flow due to increased operational costs and difficulties in obtaining loans due to insufficient collateral [1][3]. - The financing challenges are exacerbated by the limited scale of these enterprises, making it hard to secure new loans without adequate collateral [1][3]. Group 2: Innovative Solutions - The "Joint Diagnosis" mechanism, initiated by financial regulatory authorities, aims to provide tailored financial solutions for enterprises that do not meet traditional lending criteria, creating a closed-loop process for identifying and solving financing issues [1][4]. - Over 1,300 "Joint Diagnosis" sessions have been conducted in Shandong, successfully addressing financing difficulties for over 4,400 enterprises [2]. Group 3: Innovation Points - The introduction of the "Innovation Points" system allows technology enterprises to convert their technological achievements into creditworthiness, enabling banks to issue loans based on these points rather than traditional collateral [3][4]. - Weifang Tianxin received a loan of 9 million yuan at a low interest rate of 3.41% based on its innovation points, demonstrating the effectiveness of this new financing approach [3][5]. Group 4: Case Studies - The experience of Zibo Boxin Agricultural Technology Company illustrates how the "Second Recommendation" process can help high-potential enterprises overcome financing barriers despite lacking collateral [7][8]. - Zibo Boxin received a 5 million yuan unsecured loan at a favorable interest rate of 3.35%, showcasing the success of tailored financing solutions [8]. Group 5: Local Initiatives - The "Financial+" studio in Zouping City exemplifies a proactive approach to financing, providing on-site financial services to small enterprises, thus facilitating easier access to loans [9][10]. - The integration of online and offline services in Zouping enhances the efficiency of financial support for small enterprises, allowing them to access financing solutions without leaving their premises [10][11]. Group 6: Overall Impact - The financing coordination mechanism represents a significant shift in how financial services engage with small and micro enterprises, emphasizing the importance of technology and innovation in driving economic growth [11].

创新产品 破解融资难题 科技赋能 提升服务效率 农行宜春分行积极运用金融科技手段，为民营企业提供更加便捷、高效的金融服务。打造"普惠e 站"线上平台，实现科技型企业贷款"一键测额""线上预审"等功能，上半年线上申请转化率达45%。创 新推出《普惠法人贷款产品》宣传手册，内嵌速拨小程序，简化联络流程，解决小微企业融资信息不对 称问题。开发"智慧风控大脑"，构建民营企业"三维画像"模型，整合多维度数据源，贷前筛查精准度提 升40%，在有效控制风险的同时，提高了服务效率。 在农行宜春分行的大力支持下，宜春民营企业焕发出勃勃生机。截至2025年6月末，该行法人民营 企业贷款余额比上年净增12.43亿元，12家获贷企业入选省级专精特新企业名录，3家企业实现年产值翻 番。下一步，农行宜春分行将继续深耕科技金融服务，聚焦专精特新和"小巨人"企业需求，持续优化金 融产品和服务，让金融活水源源不断地浇灌民营经济，为宜春经济高质量发展贡献更大的金融力量。 责任编辑：袁浩 民营企业在发展过程中，常面临融资难题，尤其是轻资产、高创新的科技型中小企业。农行宜春分 行敏锐洞察市场需求，创新推出"科技e贷"产品。该产品打破传统信贷依赖固定 ...

Core Insights - Inclusive finance in Beijing is driving development across various sectors and demographics, reflecting a people-centered approach in China's financial work [1] - Agricultural Bank of China Beijing Branch is actively integrating into the capital's development strategy by enhancing financial services for small and micro enterprises and supporting rural revitalization [1] Product Matrix Matching Diverse Needs - Agricultural Bank of China Beijing Branch has developed a diverse range of inclusive financial products to meet the varied needs of small and micro enterprises, including "Tech E-Loan" and "Kejie Loan" [2] - The bank's product offerings aim to provide tailored financing solutions for different types of enterprises, ensuring effective financial service delivery [2] Service Downstream Building a Full-Chain Inclusive Network - The bank has shifted its approach to proactively reach out to small and micro enterprises, enhancing service delivery through an integrated online and offline mechanism [3] - Initiatives like "Thousand Enterprises, Ten Thousand Households" visits allow bank representatives to understand and address the financing challenges faced by businesses [3] Precision Service Mechanism - A "one-on-one" dedicated service mechanism has been established to provide real-time responses to enterprise inquiries, enhancing the overall service experience [4] - The bank has implemented a differentiated policy for credit and authorization, empowering grassroots branches to better serve small and micro enterprises [5] Collaborative Efforts Optimizing the Inclusive Finance Ecosystem - The bank recognizes the importance of a multi-party ecosystem involving government, banks, and enterprises to effectively address the financing challenges faced by small and micro enterprises [6] - Since the establishment of the "Small Micro Financing Coordination Mechanism," the bank has actively engaged with government initiatives to streamline financial services [6][7] Results of Multi-Party Collaboration - As of June 2025, the inclusive loan balance of Agricultural Bank of China Beijing Branch exceeded 50 billion yuan, marking a significant increase and reflecting the success of collaborative efforts [7] - The bank's actions demonstrate its commitment to supporting the growth of small and micro enterprises, contributing to high-quality economic development in the capital [7]

Core Insights - Agricultural Bank of China Fangchenggang Branch has significantly increased its loan balance, surpassing 20 billion yuan as of August 15, 2025, reflecting its commitment to local economic development and alignment with national policies [1][4] Group 1: Major Projects and Infrastructure - The bank has focused on supporting key projects in the local economy, particularly in port upgrades, coastal industries, and transportation infrastructure, with a total of 36 major project loans approved since 2022, amounting to 34 billion yuan, of which 7.4 billion yuan has been disbursed [1] - A notable example includes a 3 billion yuan credit line for the Chisha Port project, with 505 million yuan already disbursed [1] Group 2: Green Finance Initiatives - The bank has actively engaged in green finance, providing over 46.1 billion yuan in credit for green projects since 2020, including nuclear power and offshore wind projects, with more than 14 billion yuan in green loans issued [1] Group 3: Inclusive Finance for Small and Micro Enterprises - The bank has implemented inclusive finance policies, collaborating with guarantee companies to support small and micro enterprises, with over 4.3 billion yuan in loans disbursed in the past three years [2] - A specific case involved the rapid approval of a 5 million yuan loan for a local seafood processing company facing funding shortages during peak trade seasons [2] Group 4: Support for Local Industries - The bank has tailored financial services to support local industries, including logistics, border trade processing, and modern fisheries, with nearly 4.2 billion yuan in loans provided to key grain and oil enterprises since 2020 [2][3] - In the emerging industries sector, the bank has formed specialized teams to assist advanced manufacturing and renewable energy projects, with 7.663 billion yuan in loans directed towards local nuclear power projects since 2020 [3] Group 5: Agricultural and Rural Development - The bank has emphasized agricultural finance, with 18.3 billion yuan in county loans and 12.1 billion yuan in agricultural loans since 2020, implementing initiatives to build credit profiles for farmers [3] Group 6: Consumer and Business Loans - The bank has focused on meeting consumer and business needs, with personal loan balances exceeding 5 billion yuan as of June 2025, leading the industry in comparable metrics [3]

Core Viewpoint - The Agricultural Bank of China Yuxi Branch is committed to supporting the development of agricultural machinery equipment, which is crucial for building a strong manufacturing country and ensuring national food security [1][2]. Financial Support Measures - The bank offers various credit products for agricultural machinery purchase, leasing, or upgrading, including fixed asset loans, technology loans, and personal loans, with a total of 44.24 million yuan in loans supporting agricultural machinery as of June [1][2]. - The bank's support for agricultural machinery is a concrete measure to implement the rural revitalization strategy, promoting agricultural technology upgrades and improving the bank's credit structure [1]. Risk Management Strategies - The bank addresses the unique risks associated with agricultural machinery loans through financial technology, innovative risk-sharing mechanisms, and optimized loan methods, enhancing the accessibility and sustainability of these loans [2]. - The bank utilizes mobile internet, big data, and artificial intelligence for online processing of loans, and offers flexible repayment options to alleviate cost pressures on agricultural enterprises and farmers [2]. Future Plans - The bank plans to continue innovating and promoting credit products, focusing on high-quality small and micro enterprises in the agricultural sector [3]. - It aims to enhance financial coverage for agricultural industrial chains, particularly for leading enterprises, and increase loan support for green and intelligent agricultural machinery [3]. - The bank will leverage central bank policies to provide preferential interest rate loans for the replacement of old agricultural machinery and the procurement of intelligent agricultural equipment [3].

据悉，年初该行出台落实赤峰市"十大行动"暨支持民营企业高质量发展金融服务方案，明确工作目标， 配置专项信贷资源，加大对产业转型升级、先进制造业、涉农、科技创新等重点领域民营经济支持力 度，上半年为超过580户民营和小微企业提供融资服务。在服务流程优化方面，结合落实支持小微企业 融资协调工作机制，该行实施市支两级行柔性团队平行作业模式，极大提高了信贷审批效率，确保客户 在最短时间获得信贷资金。该行还设立了民营主体服务绿色通道，提供一站式、全方位金融服务，解决 民营主体在融资过程中遇到的难题。 今年以来，农业银行赤峰分行持续加大信贷资源投入，通过完善考评机制、优化服务流程、深化银企合 作，助力推动民营经济健康发展。截至6月末，该行民营贷款余额达到30.4亿元，较年初净增2.4亿元， 余额、增量均排名赤峰市四大行第1位。 赤峰市恒荣化工有限公司是一家科技型中小企业，主要经营化学原料和化学制品制造，今年6月份，农 业银行赤峰分行了解到企业有资金需求后，第一时间组织工作专班，上门服务对接，为企业办理科技e 贷830万元，满足了企业流动资金需求。 转自：新华财经 同时，农业银行赤峰分行注重防控信用风险，加强贷前、贷中和贷 ...

Core Viewpoint - Everbright Bank's Hohhot Branch is actively implementing financial support measures for the real economy, focusing on small and micro enterprises, rural revitalization, and民生领域, through innovative actions and solid initiatives to promote high-quality economic development [1]. Group 1: Financial Support Initiatives - The bank has established a dedicated credit plan to enhance support for small and micro enterprises, with a focus on strengthening mechanisms and responsibilities [2]. - As of June 2025, the growth rate of inclusive credit loans exceeded the overall loan growth rate by nearly 30%, indicating an optimized credit structure [2]. Group 2: Innovative Financial Products - The bank has developed various online financial products such as "Specialized and Innovative Enterprise Loan," "e-Jie Loan," and "Technology e-Loan" to meet the diverse financing needs of small and micro enterprises [3]. - A new "Livestock Supply Chain Finance" model has been created to support the dairy industry, benefiting over 40 upstream ranch customers [3]. Group 3: Collaborative Ecosystem Development - The bank emphasizes building a collaborative ecosystem by partnering with government bodies, industry associations, and guarantee companies to address financing challenges for small and micro enterprises [4]. - Initiatives include organizing events with local business associations and launching action plans to support private enterprises [4]. Group 4: Enhancing Service Efficiency - A dedicated inclusive credit factory has been established to streamline the loan approval process and improve financing efficiency for small and micro enterprises [5]. - The bank is committed to optimizing financial service models and providing high-quality financial services to alleviate the financial burdens faced by small enterprises [5].