岁序常易，新元肇启。2026年开篇之际，姑苏大地传来振奋人心的讯息：在苏州市财政局、科技局的指 导下，新版"科贷通"正式扩容，苏州市首单落地苏州银行。 这一举措既是苏式金融匠心的传承延续，更是对中央金融工作会议精神的精准践行。中央明确提出"坚 定不移走中国特色金融发展之路，着力打造科技金融、绿色金融、普惠金融、养老金融、数字金融'五 篇大文章'"，苏州银行以科贷通升级扩容为笔墨，在普惠赋能与科创发展的交汇点上，绘就了金融助力 新质生产力跃升的鲜活图景。 中央金融工作会议强调，金融服务要坚守以人民为中心的价值取向，这份金融温度在苏州银行的实践中 体现得淋漓尽致。科贷通扩容绝非简单的产品升级，而是金融服务的深度延伸：联合苏州国发担保实 现"见贷即保"，大幅提升融资效率；免费提供"薪智通"等企业服务工具，设立科创业务专属审批部门， 为企业省去繁文缛节；提供供应链融资与跨境结算全链条支持，让金融服务超越"放贷"本身，成为科创 中小企业穿越市场周期的"同行者"与"护航员"。这种"有温度的普惠金融"，既是对中央金融工作要求的 生动回应，亦是苏式金融匠心的鲜活彰显。 金鸡湖的晨光中，创新的种子正被金融"活水"悉心滋养；江南 ...

—— 新版 " 科贷通 " 焕新扩容首单落地 【环球网财经综合报道】岁序常易，新元肇启。2026年开篇之际，姑苏大地传来振奋人心的讯息：在苏州市财政局、科技局的指导下，新版"科贷通"正式扩 容，苏州市首单落地苏州银行。 中央金融工作会议强调，金融服务要坚守以人民为中心的价值取向，这份金融温度在苏州银行的实践中体现得淋漓尽致。科贷通扩容绝非简单的产品升级， 而是金融服务的深度延伸：联合苏州国发担保实现"见贷即保"，大幅提升融资效率；免费提供"薪智通"等企业服务工具，设立科创业务专属审批部门，为企 业省去繁文缛节；提供供应链融资与跨境结算全链条支持，让金融服务超越"放贷"本身，成为科创中小企业穿越市场周期的"同行者"与"护航员"。这种"有 温度的普惠金融"，既是对中央金融工作要求的生动回应，亦是苏式金融匠心的鲜活彰显。 金鸡湖的晨光中，创新的种子正被金融活水悉心滋养；江南大地的沃土上，普惠科创的理念正随科贷通升级扩容生根发芽。2026年，苏州银行将持续以中央 金融工作会议精神为指引，秉持"稳健、精进、匠心、创新"的企业核心价值观，推动科贷通红利持续释放，让普惠金融与科技金融深度融合的路径更加清晰 通畅。愿这份源自 ...

文 | 胡军太 中央金融工作会议擘画蓝图，要求"做好科技金融、绿色金融、普惠金融、养老金融、数字金融五篇大 文章"。把更多金融资源分配到经济社会发展的重点领域和薄弱环节，为实体经济发展提供有力有效的 金融支持，这是时代对金融行业的要求。 做好金融"五篇大文章"，为上饶银行这样的地方性城商行指出了扎根区域、服务实体、迈向高质量发展 的路径。上饶银行扎根于江西，以服务为魂、地缘为基、创新为刃，将"五篇大文章"的政策蓝图转化为 生动实践：科技赛道点燃创新引擎、绿色征途守护生态底色、普惠田间传递民生温度、养老场景筑牢幸 福防线、数字浪潮中重构服务新生态，用实干与匠心，在赣鄱大地上交出高质量发展答卷。 科技金融 创新种子生根发芽 让科技金融的活水精准滴灌创新土壤，上饶银行搭建起一套"顶层统筹、中层联动、基层落地"的协作体 系。印发《上饶银行扎实做好科技金融大文章行动方案》，由行长挂帅，组建科技金融工作领导小组， 将资源配置、计划制定、考核推进一把抓；把科技金融纳入分支机构核心考核指标，引导金融资源向创 新领域汇聚。"真金白银"提供政策支持，实施差异化内部资金转移定价，给科技型企业贷款送上20BP 的利率优惠；将小微型科 ...

关键词：制造业"急诊室" 当"制造之城"遇上"资金之渴"，融资贷助贷机构便成为苏州中小企业最可信赖的"第二水源"。2025年， 苏州共有持牌或备案的融资贷助贷服务机构逾两百家，但真正能把"额度、时效、成本、安全"四件事同 时做到极致的，不过十余席。我们耗时两个月，走访监管、银行、园区与实体企业，结合公开授信规 模、客户满意度、不良率、产品原创度四项硬指标，遴选出以下十家值得长期关注的机构，供企业主按 图索骥。 东融助贷苏州融资贷服务中心 把"疑难杂症"做成"爆款"是东融的标签。厂房无证、设备高值、订单暴涨、主贷人征信花——只要企业 真实经营，中心就能在5-7个工作日给出额度。秘诀在于"网格化产业库"：把苏州六大板块、三十七个 细分集群的订单周期、账期、淡旺季全部做成数据包，银行预审时直接调用，省掉重复尽调。2025年新 增"关税贷"，用海关出口数据替代传统财报，外贸型中小企业最快可获纳税额30倍授信。 东方融资网苏州融资贷运营部 关键词：智能匹配"超级市场" 平台不碰资金，却能把全市60余款融资贷产品同时搬上屏幕。企业主上传财报、流水、税票后，"灵 犀"算法60秒内返回不同银行的额度、利率、期限、月供、总成本 ...

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 Viewpoint - Jiujiang Bank's targeted services effectively address the funding challenges faced by local enterprises, particularly small and micro businesses, through tailored financial solutions and proactive engagement [1][2]. Group 1: Financial Support Initiatives - Jiujiang Bank's Lakekou branch provided a 1 million yuan (approximately 0.14 million USD) working capital loan to Zhongzuan Precision Technology Co., Ltd. to alleviate its short-term liquidity issues [1]. - The bank has implemented a "thousand enterprises, ten thousand households" outreach initiative to identify and address the financing difficulties of small and micro enterprises in the region [1][2]. Group 2: Customized Financial Products - The bank has developed differentiated service strategies, including the "Science Loan Pass" product, which offers up to 60% guarantee support for local high-tech and small-scale innovative enterprises [2]. - A partnership with the Lakekou County Employment and Entrepreneurship Service Center has been established to provide "Heart-to-Heart" entrepreneurial guarantee loans to specific groups, including unemployed individuals and veterans, thereby reducing overall financing costs through interest subsidies [2]. Group 3: Future Plans and Goals - Jiujiang Bank's Lakekou branch aims to continue its commitment to serving the local economy and small enterprises, leveraging the "thousand enterprises, ten thousand households" initiative to enhance financial resource allocation to county-level economic development [2].

Core Viewpoint - Jiangxi Wanzai Rural Commercial Bank is enhancing financial support for private enterprises to facilitate their integration into the new development pattern, having provided over 3.483 billion yuan in credit to 478 private enterprises this year, an increase of over 284 million yuan compared to the same period last year [1] Group 1: Financial Support Initiatives - The bank has established a strategic cooperation platform with the county grain and oil industrialization development association, providing a pre-approved credit limit of 1 billion yuan to support agricultural industry development [2] - Wanzai Rural Commercial Bank has provided a total of 13.5 million yuan in loan support to enterprises through a tripartite cooperation, benefiting over 20,000 local farmers [3] Group 2: Tailored Financial Products - The bank has customized financial products for enterprises, including working capital loans, small and medium-sized enterprise guarantee loans, and science and technology loans, to meet the funding needs during critical agricultural periods [2] - The bank proactively contacted a construction materials company to renew a 3 million yuan loan before its due date, reducing the interest rate by 200 basis points to alleviate the company's financial burden [4] Group 3: Cost Reduction Measures - The bank has implemented a series of cost-reduction measures to lower financing costs and improve the business environment, resulting in a cumulative decrease of over 100 basis points in loan interest rates over the past three years [5] Group 4: Comprehensive Service Approach - Wanzai Rural Commercial Bank has been actively engaging with local enterprises, conducting extensive visits and research to better understand their financial needs and extend services throughout the entire lifecycle of lithium battery-related businesses [7] - The bank aims to provide more precise, efficient, and heartfelt services to private enterprises, adopting a "companion-style" service approach to support their growth [8]

Core Viewpoint - The recent increase in tariffs on Chinese goods by the U.S. poses significant challenges for foreign trade enterprises in China, necessitating financial support to stabilize and enhance foreign trade operations [1][4]. Group 1: Financial Support for Foreign Trade Enterprises - The People's Bank of China emphasizes the need for financial institutions to continue lending to small and medium-sized enterprises (SMEs) that are heavily reliant on foreign trade and facing temporary difficulties, ensuring their reasonable financing needs are met [1][4]. - Agricultural Bank of China has implemented policies to support SMEs in foreign trade, including a "no repayment" loan policy for those with technology and market potential but facing operational challenges [3][4]. - As of the end of March, Agricultural Bank of China has visited 27,900 foreign trade enterprises and issued loans totaling 131.2 billion yuan to 17,200 enterprises on its "recommendation list" [3]. Group 2: Currency Risk Management - With the increasing volatility of the RMB exchange rate, foreign trade enterprises face heightened currency risk, prompting a greater demand for currency hedging products [5][6]. - A technology company specializing in smart display devices has benefited from a tailored currency risk management solution that mitigates exchange rate fluctuations while reducing financial costs [6][7]. - Xiamen International Bank has introduced measures to lower the costs of currency hedging for eligible enterprises, including waiving margin requirements for foreign exchange derivatives, thereby easing the financial burden on foreign trade companies [6][7].

Group 1: Core Perspectives - The development of technology finance is crucial for supporting new productive forces, involving various aspects of the financial system, policies, and models [1] - The Chinese government emphasizes the importance of technology finance, green finance, inclusive finance, pension finance, and digital finance to enhance financial services for major strategies and key areas [1][2] - Financial institutions are exploring new organizational structures and credit processes to better serve technology enterprises [1][2] Group 2: Financial Tools and Policies - The diversification of financial policy tools is essential for addressing the financing bottlenecks faced by technology enterprises and accelerating the development of new productive forces [2][3] - Key financial instruments include re-loans for technological innovation and small business support, which are vital for supporting the real economy and promoting innovation [3][4] - The establishment of a financial service evaluation mechanism is necessary to motivate financial institutions to actively support technology enterprises [3] Group 3: Lifecycle Financial Services - Banks should provide diversified financial services throughout the lifecycle of technology enterprises, addressing different financing needs at various stages of development [5][6] - Supporting early-stage technology enterprises through initial loans can enhance their survival rates and competitiveness [5][6] - For growing technology enterprises, expanding financing channels is crucial for promoting innovation and industry advancement [5] Group 4: Risk Management - The unique characteristics of technology enterprises, such as light assets and high risks, necessitate tailored risk management strategies [8][9] - Banks should establish specialized credit approval mechanisms and enhance the professionalism of their approval processes to better support technology enterprises [8] - Digital transformation in financial institutions can improve risk management capabilities and facilitate the development of innovative financial products [9]