在当前国家大力倡导金融服务实体经济、推动普惠金融深化发展以及金融科技加速创新的大背景下，银 行业正经历着深刻的变革与转型。地方金融机构作为服务区域经济的重要力量，肩负着推动地方产业升 级、助力中小微企业成长以及满足民众多样化金融需求的重任。 2025上半年，张家港行（002839）积极响应政策号召，通过差异化的经营策略与持续的创新投入，实现 了阶段性经营成果，为行业提供了可借鉴的发展路径。 深耕普惠金融，精准滴灌实体经济 张家港行始终将普惠金融作为核心战略，坚定不移地走"做小做散"之路。截至2025年6月末，该行母公 司涉农及小微贷款余额高达1246.25亿元，较年初增加83.89亿元，占比达90.88%；单户1000万（含）以 下贷款户数占比达99.01%。这些数据背后，是张家港行对实体经济特别是中小微企业的有力支持。 针对不同发展阶段的企业，张家港行提供了全方位、个性化的金融服务。具体来看，针对初创企业普遍 规模小、抵押物不足等特点，张家港行定制推出"微企易贷""科技人才贷""科易贷""苏知贷"等多款信用 类产品，弱化对财务指标的依赖，通过引入政策性担保、构建"专利价值+技术成熟度+市场前景"三维 评估模 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 转自：新华财经 富滇银行作为云南省本土金融机构，始终树牢"服务地方、赋能中小、惠及民生"的发展使命，立足地区 实际，发挥自身金融服务优势，赋能经济发展、守护绿水青山、增进民生福祉，以实际行动擦亮"云南 人民自己的银行"的品牌形象。 2024年，富滇银行经营质效不断提升，资产规模站上4000亿元的新台阶，交出了一份营收利润"双增"、 不良拨备"双稳"、对公贷款零售存款"双升"的答卷；市场认可度持续增强，在《银行家》杂志2025年全 球银行1000强排名中持续攀升至第373位，连续三年入选国务院国资委"国有企业社会责任·先锋100指 数"。 "金融活水"精准浇灌实体经济 富滇银行主动服务和融入国家和云南省发展战略，积极支持地方实体经济、重点领域和薄弱环节：全年 累计投放各类金融资金3157亿元，其中：中长期制造业、战略性新兴产业贷款分别同比增长37.7%、 29.9%；出台92条措施支持云南"三大经济"和文旅产业发展，设立20亿元园区经济产业基金，资源经济 贷款同比增长38.44%，智慧旅游场景平台结算金额超55亿元；打好跨境金融"特色牌"，积极服务高水平 对外开 ...

Core Viewpoint - Xiamen International Bank has launched innovative financial products such as "Intellectual Property Pledge Loan" and "Sci-Tech Loan" to address the financing challenges faced by technology enterprises lacking fixed assets, shifting the focus from traditional asset-based lending to technology-based assessments [2][3][5] Group 1: Financing Solutions for Tech Enterprises - The bank has developed a specialized intellectual property evaluation system, where the value of a patent can surpass that of a factory [2] - The number of industries supported by the bank has expanded from 4-5 to 53, including cutting-edge sectors like AI, new energy vehicles, humanoid robots, semiconductors, and biomedicine [2][6] - A new quantitative evaluation model has been created to assess credit risk for tech companies at different development stages, moving away from traditional financial data reliance [3][5] Group 2: Addressing Data Scarcity - Many tech companies face challenges due to insufficient publicly available financial and operational data, especially during their startup phase [4] - The bank incorporates external intellectual property data and manual reviews to enhance risk assessments, evaluating companies based on patents, publications, and funding rounds [4][5] Group 3: Comprehensive Financial Services - Xiamen International Bank offers a full lifecycle of financial services tailored to tech companies, from seed to mature stages, addressing their unique funding needs [5][6] - Specific products like "Credit Enhancement Fund Loan" and "Fast E-Loan" are designed for seed-stage companies, while "Knowledge Property Pledge Loan" supports those in growth stages [6][7] Group 4: Growth in Technology Finance - The bank's technology finance loan balance in Fujian province increased by over 65% year-on-year, reflecting a strong demand for tech financing [7] - In 2024, the bank plans to increase its corporate loans by nearly 20 billion yuan, with a significant portion directed towards small and micro enterprises [7][8] Group 5: Cross-Border Financial Services - Xiamen International Bank has established a strategic presence in Hong Kong and Macau, enabling it to provide comprehensive financial services for Chinese enterprises going abroad [8][9] - The bank's cross-border financial business has surpassed 10 billion yuan, accounting for 20% of its corporate business, highlighting its growing influence in this sector [9][11] Group 6: Future Directions in Cross-Border Finance - The bank aims to integrate technology and cross-border finance, enhancing digital capabilities across the entire service lifecycle [12][13] - Plans include developing digital risk control models and fostering collaborations with logistics and e-commerce entities to streamline financing services for cross-border supply chains [12][13]