为进一步提升金融助企服务质效，精准对接民营企业金融需求，市工商联特推出"民企金融服务直通 车"系列专栏，提供各银行机构特色金融产品及申请指南，为中小微企业搭建高效对接桥梁。本期专 栏，将带您走进莱商银行，解锁精准适配的融资服务。 莱商银行金融产品 农e贷 产品类型：个人经营贷款。 适用对象：经市场监督管理机关（或主管机关）核准登记的企业法人或其他组织或从事合法生产经营 的、年满18周岁且不超过65周岁借款人年龄加贷款期限不超过65，具有完全民事行为能力的自然人。 产品特色：电子仓单质押，质押标的丰富，流程高效便捷 申请条件： 1.资信状况良好，无不良记录； 2.从事与仓单所载商品品种相关联的生产、加工或贸易活动； 3.自愿执行跌价补偿机制，当质押仓单项下货物价格下行至预警线（含）以下时，同意配合本行采取补 充仓单或提供其他有效担保、利用自有资金偿还部分贷款或处置质物偿还贷款等风险管控措施。 4.本行要求的其他条件。 贷款额度：根据借款人资金需求、偿债能力、资信状况、实际经营状况等因素，结合仓单价值及质押率 合理确定，最高不超过1000万元。 贷款期限：根据借款人的经营状况、借款用途、还款能力、信用状况等因素， ...

突破传统金融服务边界，深化"融资+融智"双轮驱动模式，着力构建开放协同的服务生态。对内，强化 前中后台联动，常态化走访锂电、光伏、节能环保等重点产业集群企业，积极探索"股权增值+浮动利 率"等创新合作模式；对外，深化政银担企合作，与省工信厅、市科技局、普惠担保、产投担保等签署 战略合作协议，共建科技金融服务联盟。在科技赋能自身服务方面，运用大数据技术精准画像辖区内 2.11万户科技企业，推动服务流程数字化、智能化转型。尤为值得一提的是，赣州银行开创性落地全国 首笔工业制造领域数据资产入表大额融资业务，为科技企业以数据资产质押授信2500万元，成功打通数 据要素从资源到资产再到资本的转化通道，荣获省级相关奖项，彰显了在金融科技创新应用领域的领跑 姿态。 截至2025年末，全行科技贷款余额突破314亿元，较年初新增40.9亿元，增速14.96%，显著高于全行各 项贷款平均增速，科技金融正后劲十足。这组数据的背后，正是赣州银行深入推进转型战略、变革激活 金融体系内生动力的生动写照。这一实践不仅体现了服务实体经济的责任担当，也为区域新质生产力的 培育注入了持续可靠的金融活水，逐步构建起具有赣州银行特色的科技金融服务生 ...

Group 1 - The core viewpoint emphasizes the importance of integrating technology and finance to enhance productivity and achieve high-quality development, as highlighted in the "14th Five-Year Plan" [1] - Zhejiang province is positioned as a strategic hub in the Yangtze River Delta, fostering a vibrant environment for private enterprises and tech innovation [1] - The banking sector plays a crucial role in developing "tech finance," with various banks in Zhejiang implementing innovative financing solutions tailored to the needs of tech enterprises [2][3] Group 2 - The central financial work conference identified "tech finance" as a priority, aiming to create a virtuous cycle among technology, industry, and finance [2] - Financial institutions are restructuring their service logic to better support tech enterprises characterized by light assets and long cycles, focusing on talent value and intellectual property [2][3] - Zhejiang banks have developed a comprehensive service system covering the entire lifecycle of tech enterprises, offering differentiated products based on the specific needs of companies at various stages [4] Group 3 - Innovative financing solutions, such as intellectual property pledge loans, have been introduced to support tech companies like Zhejiang Deshman Technology, which has over 200 patents and is expanding rapidly [3] - Banks in Zhejiang are creating diverse product matrices and service systems to support tech enterprises through different growth phases, including specialized loans for various stages of development [4][11] - The collaboration between banks and local governments is essential for building a supportive ecosystem for tech finance, as seen in the strategic partnerships formed in regions like Jiaxing [12][10] Group 4 - Banks are enhancing their internal capabilities to better serve tech enterprises, developing proprietary evaluation models to assess the future value of companies [5][13] - The establishment of a comprehensive tech finance service network by banks, including specialized branches and dedicated teams, is aimed at improving service efficiency and coverage [14][15] - Collaborative efforts among banks and other stakeholders are being made to address the financing challenges faced by small and micro tech enterprises, ensuring a more inclusive financial environment [15][16]

Core Insights - Xiamen International Bank's Xiamen branch focuses on supporting the construction of a marine strong city, providing financial backing for marine industries and regional green industry development, with a green finance loan balance expected to grow over 10% by the end of October 2025, and loans to marine-related enterprises increasing nearly 38% [1] Group 1: Green Finance Initiatives - The bank has established a comprehensive green finance service system guided by "professionalization, scenario-based, and digitalization," launching the "Green Finance Pass" digital platform that utilizes AI for automatic identification of green finance business and real-time environmental benefit assessment, with over 120,000 green finance transactions recognized [2] - The bank has introduced "carbon benefit-linked loans," where loan interest rates are tied to the carbon reduction achievements of enterprises, exemplified by a green manufacturing company that reduced financing costs by over 1 million yuan while generating approximately 5.718 million kWh of electricity annually and expected to reduce CO2 emissions by 19,137 tons over five years [2] Group 2: Collaboration with Government and Financial Tools - Xiamen International Bank collaborates with local government departments to implement green finance policies through measures like fiscal subsidies and joint enterprise databases, having joined various funds to provide preferential loan rates for enterprises in new energy shipping and marine environmental protection [3] - The bank has issued nearly 1.3 billion yuan in loans to enterprises in the Xiamen green financing enterprise database from January to October 2025 [3] Group 3: Tailored Financial Solutions for Marine Industries - The bank supports marine enterprises by providing customized financial service plans, addressing the common challenges of large investment scales, long cycles, and uncertain risks in the marine industry, with products like "Foreign Trade e-loan" and "Trade e-financing" for cross-border settlement and supply chain financing [4] - A specific case involved a marine blue enterprise that received a credit line of 70 million yuan through a "mortgage enhancement" scheme to support its operations, which had increased its oyster shell processing capacity from 100,000 tons to 250,000 tons [4] Group 4: Future Directions - The bank aims to enhance its green finance service capabilities and contribute to the construction of a national marine economic development demonstration zone, aligning with the marine power strategy [5]

Core Insights - The Jiangsu Province is focusing on building a globally influential industrial technology innovation center through a ten-year action plan aimed at doubling the modern high-tech service industry, emphasizing six key areas: research and development, entrepreneurial incubation, digital industries, biotechnology, green energy and carbon reduction, and technology finance [1][2] Group 1: Industry Growth and Performance - The revenue of the province's scientific research and technical service industry has shown steady growth, with a year-on-year increase of 9.3% from January to August this year, ranking among the top in the country [1] - The province aims to enhance the quality and scale of high-tech service entities, with the first national regional technology transfer center established in Jiangsu, collecting over 500 enterprise technology demands [5] Group 2: Policy and Support Measures - Jiangsu has implemented 14 specific measures to support the development of the modern high-tech service industry, including optimizing technology platform support and incubating new business models [2] - The province has introduced policies to support high-tech enterprises in the technology service industry through loan interest subsidies and innovation vouchers, benefiting approximately 1,000 enterprises in 2024 [2] Group 3: Innovation and Research Platforms - Jiangsu is enhancing platform construction to gather innovation resources and break through key technologies, with significant advancements in various laboratories focusing on critical technologies such as 6G wireless networks [3] - The province is establishing a high-level new research and development institution system, aiming to build 10 leading, 30 benchmark, and 50 growing institutions [3] Group 4: Technology Transfer and Collaboration - The province has successfully held three consecutive industry-academia-research cooperation conferences, facilitating over 13,000 collaborations and creating a significant platform for technology and industry integration [4] - Jiangsu has revised regulations to improve the technology transfer system and launched a digital technology platform to match supply and demand effectively [4] Group 5: Financial Support and Development - Jiangsu is deepening the integration of technology and finance, with a planned issuance of 300 billion yuan in special loans for the technology sector in 2025 [7] - The province has introduced over 200 specialized financial products for technology enterprises and has facilitated credit loans totaling 117.6 billion yuan for more than 11,000 companies [8] Group 6: Future Development Plans - The Jiangsu Provincial Science and Technology Department plans to accelerate the high-quality development of the technology service industry, focusing on enhancing service capabilities and promoting the comprehensive development of various sectors [8]

Core Insights - Zhangjiagang Rural Commercial Bank has significantly increased its agricultural and micro-loan balance to 124.625 billion yuan by June 2025, with a year-to-date increase of 8.389 billion yuan, representing 90.88% of its total loans [1] - The bank has focused on providing tailored financial products for small and micro enterprises, achieving a loan growth rate of 9.15%, which is higher than the overall loan growth rate of 1.09% [1] - The bank aims to deepen its financial services by creating a "full lifecycle" partnership model, emphasizing customer-centric development and long-term collaboration with enterprises [1] Group 1 - The bank has launched various credit products such as "Micro Enterprise Easy Loan" and "Technology Talent Loan" to support startups with limited collateral, utilizing a three-dimensional assessment model for credit evaluation [1] - The introduction of flexible financing products like "Small Micro Loan" and "Foreign Trade Loan" aims to address urgent financing needs and support enterprises in scaling up and seizing market opportunities [2] - The bank provides comprehensive services including merger financing, syndicate loans, and investment advisory to support enterprises in capital market layout and asset diversification [2] Group 2 - The bank has implemented a differentiated financial service strategy based on regional resources and institutional positioning, aiming to become a leader in financial services for small and medium enterprises and local economic units [2] - By establishing localized operations, the bank has improved customer service response times and enhanced market penetration through data-driven risk assessment and client engagement [2] - The bank plans to continue its mission of making inclusive finance accessible, focusing on supporting private enterprises and contributing to high-quality local economic development [3]

Core Viewpoint - The banking industry is undergoing significant transformation, with local financial institutions playing a crucial role in supporting regional economic development and meeting diverse financial needs of the public [1] Group 1: Focus on Inclusive Finance - Zhangjiagang Bank prioritizes inclusive finance as its core strategy, focusing on small and micro enterprises, with agricultural and small micro loans reaching 1246.25 billion yuan by June 2025, an increase of 83.89 billion yuan from the beginning of the year, accounting for 90.88% of the total [2] - The bank offers tailored financial services for enterprises at different stages, including various credit products that reduce reliance on financial indicators and utilize policy guarantees and a three-dimensional assessment model [2] Group 2: Comprehensive Financial Services - For mature enterprises, Zhangjiagang Bank provides a range of services including merger financing, syndicate loans, bond underwriting, and investment advisory, along with cash management tools to support global expansion [3] - The retail sector is also a key area for the bank, focusing on consumer credit innovation and optimizing services to stimulate local consumption through a three-dimensional support system [3] Group 3: Risk Management - As of June 2025, the bank maintained a non-performing loan ratio of 0.94%, stable compared to the beginning of the year, and a provision coverage ratio of 383.98%, indicating strong risk mitigation capabilities [4] - The bank employs rigorous pre-loan investigations, in-process reviews, and post-loan management to effectively identify and mitigate credit risks [4] Group 4: Industry Recognition - Zhangjiagang Bank has received multiple accolades, ranking 502nd among the world's top 1000 banks and being recognized as an excellent participant in foreign exchange clearing business [5] - The bank aims to continue optimizing financial services and adapting to national policy directions to strengthen its support for enterprises and contribute to the new development pattern [5]

Core Viewpoint - Fudian Bank is committed to serving the local economy, empowering small and medium-sized enterprises, and enhancing people's livelihoods, while achieving significant growth in its financial performance and maintaining a strong market presence [1][2][3][4][5][6][7] Financial Performance - In 2024, Fudian Bank's asset scale reached 400 billion yuan, with revenue and profit both increasing, and non-performing loan provisions remaining stable [1] - The bank's ranking in the "Top 1000 Global Banks" by "Banker" magazine rose to 373rd, marking a continuous improvement in market recognition [1] Support for the Real Economy - Fudian Bank invested a total of 315.7 billion yuan in various financial funds, with loans to the manufacturing sector and strategic emerging industries growing by 37.7% and 29.9% year-on-year, respectively [2] - The bank implemented 92 measures to support the development of the "three major economies" and the cultural tourism industry in Yunnan, establishing a 2 billion yuan industrial fund [2] Financial Product Innovation - The bank introduced a work plan for "five major articles" to enhance financial product offerings, with credit for technology, green, and inclusive finance increasing by 36.41%, 15.5%, and 21.73% year-on-year, respectively [3] - New financial products such as "Kexi Loan" and "Listed Excellent Enterprise Loan" were launched, contributing to the growth of loans for specialized and innovative small and medium-sized enterprises [3] Green Finance Initiatives - Fudian Bank established a green finance service system, launching products like "Photovoltaic Loan" and "Carbon Emission Rights Pledge Loan," with green credit balance reaching 24.284 billion yuan [4] - The bank's green bond holdings increased by 25.1% year-on-year, and it has been actively involved in carbon emission calculations across its branches [4] Commitment to Social Welfare - The bank has implemented the "Three Thousand Plan" for three consecutive years, providing 551.2 billion yuan in loans to small and micro enterprises and reducing fees by 590 million yuan [5] - It has also issued 1 billion yuan in special financial bonds for agriculture and established 448 inclusive financial service stations in Yunnan [5] Digital Transformation and Cultural Development - Fudian Bank's "Dianfeng Plan" for digital transformation has been successfully implemented, winning 40 industry awards and receiving an "A" rating from the Yunnan Provincial State-owned Assets Supervision and Administration Commission [6] - The bank is promoting a unique financial culture, launching a three-year action plan to build a corporate culture that integrates local characteristics with modern financial management concepts [6] Future Outlook - Fudian Bank aims to align with the provincial "3815" strategic development goals, focusing on the "five major articles" and "three major economies," while continuing to serve the local economy and enhance people's livelihoods [7]

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]