来源：环球网 当清晨的阳光洒进电子城的玻璃大门，二十余家电脑、音响、监控设备门店陆续亮起灯光，开启了这座 城市数字脉搏的跳动。这里的主角---张先生，正站在熟悉的走廊中，目光扫过每一家仍在稳定经营的店 铺，心中涌起的是十年坚守的欣慰，也是金融力量托举的踏实。 以"破局"谋"共生"：金融智慧照亮产业前路 张先生的故事，如同一座桥梁的搭建。金融的支持，不仅是资金的注入，更是信心的传递、模式的再 造。当传统租赁业态遭遇市场寒流，当个体经营者面临生存考验，榆林农商银行以灵活的产品、高效的 服务，为实体经济注入了"破局之力"。这不仅是一个电子城的重生，更是金融与产业共舞、银行与企业 同行的生动写照，在时代的浪潮中，我们不仅是资金的提供者，更是梦想的同行者。（崔楠） 从"租客"到"舵手"：首笔贷款点燃创业星火 十年前，张先生以租赁方式拿下这处5000平米的写字楼，将其打造成我市规模领先的电子专业市场。那 时的他，不曾想到，这片曾经空荡的楼层，会因为一次及时的金融支持，成为连接千家万户数码生活 的"金桥"。2023年9月，面对市场整体下滑、租金回收困难的窘境，他首次向榆林农商银行申请了20万 元贷款。那笔资金，如同旱地逢甘 ...

优化静脉管网，推动金融产品精准回流。围绕生态价值转化和政策试点，推动金融资源向绿色与特色产 业聚集，加快"生态贷""订单贷"等产品落地，建立金融产品项目库42个，谋划VEP项目20个，形成4个 生态产品价值实现金融服务案例。 近年来，陕西省商洛市商州区通过构建"政府精准引导+银行主动对接+企业积极作为"三维联动机制， 打造出以"十重管网"为载体的"金融生态循环系统"，实现发展资金在企业、银行与政府之间有序流动、 循环赋能，切实解决中小微企业"融资难、融资贵"问题。 一是企业自强：构建"自我造血系统"，三重管网培基固本 夯实根系管网，实现产业互助金融化。围绕"三个百亿级产业集群"与农业"5+5"产业体系，设立"联保互 助资金池"，推动企业间资金互助与信用联动。前三季度，全区金属与非金属材料产业产值达64.29亿 元，智能制造产业产值达25.25亿元，依托商协会信用背书，实现集群内融资超120批次、6500万元，。 集聚吸盘管网，实现技术资产资本化。聚焦核心技术和品牌价值，引导企业推进数智转型和成果转换， 建设高质量项目"种子库"，积聚"无形资产"，打造融资吸盘。目前储备科技创新项目353个、总投资 802.78 ...

Core Viewpoint - The meeting aimed to enhance the financing support for small and micro enterprises in Hanyin County, optimizing the local business environment and deepening cooperation between government, banks, and enterprises [1][3]. Group 1: Meeting Overview - The "Government-Bank-Enterprise Consultation Meeting" was held on June 20 at Hanyin Rural Commercial Bank, attended by various government officials and business representatives [1]. - The Hanyin County Development and Reform Bureau reported on the optimization of the business environment for the first half of 2025, while the Economic and Science Bureau explained policies to support enterprises [3]. Group 2: Financial Support Initiatives - Hanyin Rural Commercial Bank introduced various financial products for small and micro enterprises, including Qin V Loan, Honest Tax Loan, Government Procurement Loan, Entrepreneurial Guarantee Loan, Fixed Asset Loan, and Working Capital Loan, detailing their eligibility criteria, interest rates, and loan terms [3]. - The bank signed credit agreements totaling 35 million yuan with six enterprises and expressed intentions to provide an additional 46 million yuan to five other enterprises [5]. Group 3: Economic Impact and Performance - Since the beginning of the year, Hanyin Rural Commercial Bank has focused on the real economy, providing loans totaling 467 million yuan to 48 small and micro enterprises and issuing credit loans of 660 million yuan to nearly 4,600 market entities [5]. - The bank's total loan balance reached 5.219 billion yuan, with corporate loans amounting to 1.825 billion yuan, reflecting a net increase of 160 million yuan [5]. - The bank achieved a 2A rating in the 2024 small and micro enterprise financial service evaluation, ranking second among financial institutions in Ankang [5]. Group 4: Future Strategies - Hanyin Rural Commercial Bank plans to address the financing challenges faced by private enterprises by focusing on key industry needs and utilizing development funds to broaden financing channels [6]. - The bank aims to improve loan approval efficiency and ensure timely responses to enterprise needs by implementing transparent lending practices and having leadership engage directly with clients [6].