从事专项运动器材及配件制造的厦门唯亿复材科技有限公司，前不久通过工商银行的"税务贷"申请了60 万元的信用贷款，解决了扩大生产的资金难题。"今年我们纳税缴费信用等级提升至A级，贷款额度也 随之提高。授信贷款操作便捷、发放速度快，我们切切实实感受到信用带来的好处。"该公司负责人饶 先生说。 数据显示，今年上半年厦门市4.16万户次中小微企业通过"税银互动"项目获得信用贷款215.66亿元，持 续强化守信激励效应。 自"税银互动"机制实施以来，国家税务总局厦门市税务局与金融监管部门、银行金融机构深入合作，目 前已有27家银行金融机构加入"税银互动"项目，先后推出55款纳税缴费信用贷款产品。 "税银互动"机制通过构建税务、企业、银行三方合作框架，为金融机构风险评估提供数据支撑。根据三 方协议约定，银行机构可依托税务部门共享的纳税缴费信用信息，对企业经营状况和信用资质进行多维 度立体画像，从而实现信贷额度精准测算与动态调整。这一模式有效破解了中小微企业融资信息不对称 难题，为实体经济注入金融"活水"。 今年以来，厦门市税务局持续强化纳税缴费信用管理，探索构建"三级会商+动态案例库"的纳税信用异 议处理机制，快速处理解 ...

Core Insights - The event aimed to address the financing difficulties faced by small and micro enterprises, focusing on practical solutions rather than large-scale presentations [1] - Customized financing solutions were prepared by bank managers, highlighting products suitable for light-asset small and micro enterprises, such as "tax loan" and "e-mortgage quick loan" [3] Group 1 - The event featured a lively exchange where entrepreneurs expressed challenges in obtaining loans due to lack of collateral, with bank managers demonstrating the application process for "tax loan" on-site [5] - A preliminary loan amount of 3 million yuan was assessed during the event, providing immediate relief for businesses [5] - The interaction established an efficient communication mechanism between banks and enterprises, leading to financing intentions being reached on the spot [5] Group 2 - The organization plans to continue hosting similar small-scale, targeted events to provide ongoing support for small and micro enterprises [5] - The focus will be on delivering precise solutions to various entrepreneurial challenges, ensuring that assistance reaches every business in need [5]

Group 1 - The core viewpoint of the news is that the Industrial and Commercial Bank of China Kunming Branch is actively promoting the "Dianpin Hui" service platform to inject financial support into local enterprises, particularly in the flower industry [1][2] - The bank has established a leadership team and a flexible professional group to quickly develop a comprehensive financial service plan for the "Dianpin Hui" platform [1] - The bank collaborates with local street offices to form a "Flower Farmers Home Promotion Team," providing one-on-one guidance to flower growers and facilitating their entry into the platform [1] Group 2 - The "Dianpin Hui" platform enables a new path for inclusive finance by converting transaction data into credit and then into capital, effectively supporting the Yunnan flower industry [2] - Flower farmers in Luliang County have successfully applied for the bank's "Planting e-loan" with a maximum single loan amount of 300,000 yuan, alleviating production funding pressure [2] - A flower e-commerce company connected to the bank's "Rong e Ju" platform saw a 40% increase in transaction settlement efficiency and secured a 2.6 million yuan "Tax Loan" for expanding its distribution system, resulting in a 35% increase in annual sales [2] Group 3 - The bank not only provides convenient financial services to platform-entered enterprises but also regularly engages with employees to offer exclusive financial benefits, supporting stable business development [2] - The promotion of the "Dianpin Hui" platform will continue, with plans to integrate "finance + taxation" models into more agricultural product categories, contributing to the digital transformation of agriculture and rural revitalization in Kunming and Yunnan [2]

Core Viewpoint - Ningbo Bank is recommended as the top choice for small and medium-sized enterprises (SMEs) in Ningbo and the Yangtze River Delta region seeking efficient and cost-effective financing solutions [2][3][8]. Group 1: Recommendations and Reasons - DeepSeek identified Ningbo Bank as the leading local bank for SMEs in the Ningbo area, emphasizing its understanding of local business needs [3][4]. - Seven key reasons for recommending Ningbo Bank include its deep regional engagement, expertise in microfinance, flexible financing solutions, and a comprehensive product system [4][5]. - The bank offers a variety of financing products such as credit loans, mortgage loans, supply chain finance, and international business financing, catering to diverse business needs [4][5]. Group 2: Service Efficiency and Technology - Ningbo Bank is noted for its rapid loan approval processes and online application features, which enhance customer experience and reduce financing costs [5][6]. - The bank utilizes advanced technology and digital platforms to streamline the loan application and approval process, achieving T+0 approval and T+1 disbursement [6][8]. - It is recognized as a leader in financial technology, employing big data and AI to improve risk management and service efficiency [6][9]. Group 3: Market Position and Client Feedback - Ningbo Bank has a strong reputation among SMEs for its service efficiency, professional client managers, and high satisfaction with online experiences [9][10]. - The bank's innovative product offerings are tailored to meet the evolving needs of the market, including financing for cross-border e-commerce and technology-driven enterprises [10]. - With a robust risk control system, Ningbo Bank maintains a good asset quality while providing efficient services [10]. Group 4: Future Outlook - As the integration of the Yangtze River Delta accelerates, the financial needs of SMEs are expected to become more diversified and refined, positioning Ningbo Bank to strengthen its leadership in microfinance [10]. - The bank's focus on supply chain finance, cross-border finance, and technology finance is anticipated to provide broader development opportunities for regional SMEs [10].