转自：新华财经 该行完善"敢贷、愿贷、能贷、会贷"长效机制，优化完善"小微e贷"及无还本续贷产品功能，为2374户 小微企业提供续贷融资13.1亿元；新增推广"微捷贷""现场+远程"业务模式，扩大"核心企业+上下游客 户"链条服务，实现供应链融资服务20.8亿元；丰富科创型企业产品架构，新增上线"科捷贷"信用产 品；开展重点产品阶段性利率优惠，为重点客户发放利率优惠券，一手抓客户稳存，一手抓新增营销， 全方位提升全行普惠金融服务质效。（王学红） 编辑：赵鼎 农行宁夏分行将支持小微企业融资协调工作机制作为普惠金融重点发力方向，将落实落细工作机制与普 惠金融日常服务深度融合，举全行之力加快提升小微企业融资服务。截至6月末，累计向4.5万户小微企 业授信154.4亿元，实现贷款投放149.5亿元，授信金额及户数，贷款金额及户数等4项主要指标均居区内 四行首位。 该行全面推进小微企业融资协调工作机制与普惠日常经营深度融合，召开普惠金融年度工作会议，制 定"一领先、两突破、三稳定、四争优、五提升"年度工作目标，多次召开专题会议推进机制落实落细， 持续加大普惠金融信贷投放服务力度。截至6月末，全行普惠贷款余额157.1亿 ...

Group 1 - Small and micro enterprises are crucial for job creation, market prosperity, and improving people's livelihoods, and financial management departments are actively implementing policies to address their financing difficulties [1] - In May, measures to support financing for small and micro enterprises were introduced, emphasizing the need for coordinated policy efforts to alleviate financing challenges [1] - Commercial banks are responding by increasing support for small and micro enterprises, utilizing financial technology to innovate service products and enhance the accessibility and convenience of financial services [1] Group 2 - A clothing processing company in Xiamen received a tailored loan solution from a bank, which included a combination of "惠企快贷" and "信用快贷," resulting in a total loan of 6.45 million yuan to meet its funding needs [2] - The wedding dress town in Liu'an, Anhui, has over 400 wedding dress production enterprises and generates an annual output value of 2.4 billion yuan [2] Group 3 - A wedding dress store owner faced a 30% increase in orders but struggled to procure materials due to cash flow issues, and received timely financing through the "皖美e贷" product [3] - The use of a funds flow information platform allowed a modern agriculture company in Hubei to secure a loan of 4 million yuan, enhancing the efficiency of the credit approval process [4] Group 4 - The establishment of a national credit information sharing platform for small and micro enterprises aims to improve access to financing by providing multi-dimensional support for financial institutions [4][5] - The platform allows banks to utilize cross-bank funds flow data and intelligent risk control models to enhance credit assessment for small and micro enterprises lacking traditional collateral [5] Group 5 - A chemical small enterprise in Xiangyang received a "commercial value" loan through a platform that quantifies business value into credit scores, addressing its funding shortage [6] - Postal Savings Bank has issued 4.5 trillion yuan in inclusive small and micro loans over the past three years, focusing on digital transformation to enhance financial service accessibility [6] Group 6 - Agricultural Bank's "科捷贷" product, designed for small technology enterprises, utilizes public data systems to determine credit limits, significantly improving approval efficiency [7] - The integration of intellectual property and innovation metrics into the lending process allows small enterprises to leverage their patents as financial assets [7]

6月30日，农行深圳分行联合农银投资、深投控集团、罗湖投控举办深圳深投控千帆企航科创私募股权投资基金（简称"深圳深投控千帆企航AIC基金"）设 立签约仪式，深圳市委金融办常务副主任、市地方金融管理局局长时卫干，深圳市罗湖区委书记范德繁，农行深圳分行行长姜海洋，农银投资总裁袁盛，深 投控董事长何建锋，深投控副总经理姚飞出席见证。 深圳深投控千帆企航AIC基金规模20亿元，是AIC股权投资试点业务扩大范围后的深圳市首支AIC试点基金、也是深圳市和农银系统内规模最大的AIC试点基 金之一。该基金将围绕深圳"20+8"战略新兴产业和未来产业集群开展股权投资，为科技创新提供长期资本和耐心资本，着力支持深圳开展科技产业金融一体 化专项试点，打造产业科技创新中心。 作为深圳科技创新的重要金融支撑力量，农行深圳分行始终坚持金融工作的政治性和人民性，积极服务深圳推进综合改革试点、深化改革创新扩大开放。近 年来，该行持续提升科技金融服务质效，截至目前已服务1.2万户科创企业，科技型企业贷款规模超1100亿元，上半年增量超300亿元。数据背后，是农行深 圳分行立足创新发展示范银行定位，顶层建设科技金融服务组织体系、产品体系、生态体 ...

【大河财立方 记者 张劭辉 通讯员 王萍 姚培培】窗外细雨如织，农业银行洛阳分行客户经理敲开洛阳 某设备公司大门时，该公司张总正被办公桌上堆积的应收账款单据压得眉头紧锁。这些金额零碎、笔数 繁杂的账款如同缠绕企业的藤蔓，拖住了备货生产的脚步。短短一周后，随着农行"云链保理"分次注入 的800万资金在系统里最快2分钟到账，车间机器重新轰鸣——这仅是农业银行洛阳分行以普惠金融活水 精准滴灌万千小微的一个生动切面。 柜台前排队的焦虑已成往事。如今在洛阳，各类市场主体只需指尖轻触，农业银行精心织就的线上产品 矩阵便铺展眼前：面向小微企业，"微捷贷""抵押e贷""链捷贷"三大体系清晰列阵；个体工商户与农户 指尖轻点，"商户e贷""惠农e贷""房抵e贷"即时响应。新近推出的"科捷贷"更如及时雨，以纯信用、免担 保、可循环的专属设计，精准浇灌"专精特新"之苗。 该行通过丰富的数字化工具，不断提高办贷效率。客户经理小刘的移动营销PAD，已成为贴身利 器。"以前光填表核验就得大半天。"他坦言，"现在'现场+远程'智慧办贷，平均办贷时间缩短20%，数 据多跑路，企业自然少跑腿。" 批量解难题：链上发力"一招破局" 农业银行洛阳分 ...

金融资源正加速向科技创新领域集聚。 中国人民银行发布的最新数据显示，一季度末，获得贷款支持的科技型中小企业达27.18万家，获贷率 为49.6%，比去年同期提高3.6个百分点。 从实验室到生产线，商业银行正创新机制、优化金融服务模式，推动科技信贷增量、扩面、提质，不断 提升金融服务的精准性和有效性，以科技金融为"催化剂"，催生接力创新的"化学反应"。 "科捷贷"是农业银行为小微科技型企业量身定制的一款全流程线上自助金融产品，通过引入企业知识产 权、创新积分等量化指标，直联工商、税务、征信等政府公共数据系统，对优质小微科技型企业核定授 信额度。"产品创新采用线上线下（300959）相结合的审批方式，能有效提升业务审批效率。"农行湖南 长沙望城支行相关负责人表示。 科技型企业拥有大量专业技术专利，为了盘活无形资产，畅通知识产权变现通道，商业银行创新产品服 务，通过评价体系、贷款产品、资产证券化支持等措施，让沉睡的专利从纸页间"苏醒"，转化为推动企 业前行的澎湃动能。 匹配研发周期 在苏州工业园区信达生物的实验室里，科研人员正紧锣密鼓地推进一款抗癌新药的临床试验。这家成立 于2011年的创新药企，如今已成为行业龙头 ...

■本报记者 杨洁 对于小微科技型企业而言，金融支持是推动其创新和成长的关键力量。《农村金融时报》记者从农业银 行获悉，该行深化落实支持小微企业融资协调工作机制（以下简称"小微融资协调机制"），聚焦科技创 新领域，精准锚定小微科技型企业"成长烦恼"，不断完善"线上线下协同、融资功能完善、总分相互联 动"小微融资产品体系，一企一策提供金融服务。 据农业银行相关部门负责人介绍，截至4月末，农业银行已累计信贷支持7.6万户小微科技型企业，有效 助力小微科技型企业高质量发展。 产业园区是培育新质生产力的"沃土"。在深圳南山区软件园里，深圳宏景动力信息技术有限公司已扎根 成长7年。当下，企业却面临"甜蜜的烦恼"——手中攥着接近700万元订单合同，却因缺乏充足的抵押 物，资金链出现难题。 适逢农行深圳分行推出"园区·圳享贷"产品，将园区管理方提供的水电缴费、纳税记录、专利信息等数 据，转化为授信指标。同时，由政府性融资担保机构提供担保增信，为企业提供无抵押、低利率的信贷 支持。农行深圳华侨城支行小微融资协调机制专班根据园区提供的租金、水电费缴纳情况和企业的纳税 申报材料，合理评估公司经营状况，把数据变信用，信用变资金，为企 ...

Core Insights - Agricultural Bank is committed to supporting technological innovation by enhancing financial services for tech enterprises, with significant growth in loans and financial products aimed at this sector [1][2][3][4][5]. Group 1: Financial Support for Tech Enterprises - As of March 2023, Agricultural Bank's loans to tech enterprises reached 1.97 trillion yuan, an increase of over 250 billion yuan since the beginning of the year [1]. - Loans related to technology industries totaled 3.76 trillion yuan, growing by over 600 billion yuan, with a growth rate exceeding 24% [1]. - The bank has engaged over 41,000 enterprises through its technology innovation re-loan program, with a total contract amount exceeding 41 billion yuan [1]. Group 2: Targeted Financial Products - Agricultural Bank has implemented a specialized working mechanism to promote technology innovation re-loans, focusing on small and medium-sized tech enterprises by reducing financing costs [2]. - A case study highlighted a Shanghai-based underground equipment company that received over 76 million yuan in loans to support its operational needs and technological development [2]. Group 3: Mergers and Acquisitions Financing - Following the introduction of a pilot policy for tech enterprise acquisition loans, Agricultural Bank has utilized big data analysis to identify suitable enterprises for financing [3]. - A digital company in Hubei received a tailored acquisition loan within five days, marking the first tech enterprise acquisition loan disbursed by the bank [3]. Group 4: Equity Investment Initiatives - Agricultural Bank is expanding its equity investment pilot programs, having signed cooperation agreements with all 18 pilot cities, totaling over 40 billion yuan in agreements [4]. - The bank's Qingdao branch successfully launched a private equity investment fund focused on strategic emerging industries, completing the entire process in just four months [4]. Group 5: Digital Transformation in Financial Services - The bank has introduced a specialized online financial product called "Kejie Loan," which leverages data on tech enterprises to streamline the loan application process [5]. - A provincial specialized enterprise in Sichuan received a credit loan of 2.7 million yuan within six hours of the "Kejie Loan" launch, demonstrating the efficiency of the bank's digital services [5].