智能风控模型+全行服务一家，全力打造脱核潮头产品 在这一先进风控模型的支持下，招商银行的"脱核"融资产品实现了对供应链上下游的全面覆盖与精准服 务： 在数字经济的浪潮下，招商银行前瞻性地构建了强大的线上智能风控模型，以此为核心引擎，打造包 括"招链易贷""经销易贷"及"供应链招企贷"在内的全系列供应链"脱核"融资产品，为产业链上下游小微 企业企业提供了高效、普惠的金融解决方案。 齐鲁晚报·齐鲁壹点记者 尚青龙 临近年末，鲁花集团的生产线上加工设备不停运转，刚下线的产品随即被经销商们拉走变成春节旺季储 备，而库房满满的小微经销商们却没有往年"销售有路、兜里没钱"的困扰。随着招商银行青岛分行"经 销易贷"业务的落地，经销商凭借同鲁花的交易数据和自身信用记录，可以随时在线上申请经销商融资 额度，并向核心企业完成货款支付。这一创新业务的背后，是2025年招商银行青岛分行供应链融资产品 由信用输出类产品向脱核产品的深刻变革。 政策驱动＋市场需求，脱核融资成为必然选择 供应链融资由信用输出向脱核的转变有深层的政策背景和市场逻辑。所谓"脱核"，即打破传统依赖核心 企业信用输出模式，转为依托产业链中交易记录、履约表现等多维度 ...

转自：湛江发布 近日，中国人民银行、国家发展改革委、财政部、交通运输部、商务部、金融监管总局、中国证监会、国家外汇管理局联合印发《关于金融支持加快西部 陆海新通道建设的意见》（银发〔2025〕234号）（以下简称《意见》），从六个方面提出21条意见，推动金融支持"13+2"省（区、市）加快西部陆海新 通道建设。湛江是广东唯一参与通道建设的城市。 保障通道建设融资需求 加大货币政策工具支持力度，以金融精准滴灌助力西部陆海新通道高质量发展。2025年1—11月，湛江辖区运用央行再贷款货币政策工具支持银行向通道 相关主体发放贷款3.43亿元，同比增长266.68%，为通道基建、跨境物流、产业链企业注入稳定金融活水。同时，针对通道相关重大项目投资规模大、周 期长的特点，湛江创新构建了"新型政策性金融工具+专项债+政策性贷款+商业贷款+担保"的多维联动融资模式，以政策性资金为"信用锚"和"药引"，有效 破解通道大项目资本金短缺的瓶颈，撬动社会资本参与通道建设。如，促成湛江市地方国企通过"债贷联动"模式承接32.8亿元债券资金，吸收政策性银行 贷款25亿元，有力支持了广湛高铁湛江北站项目建成投运。 丰富金融产品供给 图片 ...

在外界熟知的"零售之王"形象之外，招商银行正在悄然转身。 过去数年，该行持续加大对科技金融业务的布局与投入，使其逐步成长为对公资产配置与服务体系创新 的关键板块。这一转变，不仅标志着招行业务结构的深层演进，也折射出商业银行在服务实体经济与科 技创新过程中的价值重塑。 近期，招商银行科技金融取得一系列里程碑式进展。今年11月，招行科技金融服务品牌升级焕新，发布 4×3综合服务方案；12月，招行旗下AIC招银投资正式开业。 时至今日，市场正在重新认识这家"零售之王"的另一面——截至11月末，招商银行科技企业服务客户数 突破35万、已建立"1+20+100"的科技金融组织架构、形成涵盖投商行服务的科技金融综合服务体 系…… 招行科技金融何以脱颖而出？答案藏在招商银行长期的战略规划、十余年的陪伴支持、持续的服务创新 升级之中。 综合金融支持，长伴科企远航 招商银行与科技企业有相似的创新基因、相同的成长经历，理解科技企业的每一次跌倒和爬起。在业绩 报表上持续的增长曲线背后，是一场招商银行陪伴科技企业在创新创业中共同成长的旅程，而这一切始 于10多年前启航的"千鹰展翼"创新型成长企业培育计划。 "千鹰展翼"培育计划于20 ...

Core Viewpoint - The People's Bank of China (PBOC) in Zhanjiang is actively implementing financial strategies to support key sectors such as technology, green finance, inclusive finance, elderly care, and digital finance, contributing to the high-quality economic development of Zhanjiang. Group 1: Financial Support for Key Sectors - The PBOC in Zhanjiang has introduced a comprehensive action plan to enhance financial support for technology, green, inclusive, elderly care, and digital sectors, deploying 30 specific measures [1] - The loan balance for the financial "five articles" reached 206.166 billion yuan, with a year-on-year growth of 28.7%, leading the province [1] Group 2: Technology Finance Empowerment - The PBOC has established a multi-level technology finance service system, directing credit resources towards innovation, with a total of 480 million yuan allocated to support loans for technology enterprises since 2025 [2] - The balance of technology loans in Zhanjiang reached 75.3 billion yuan, growing by 34.6% year-on-year, ranking first in the province [2] Group 3: Green Finance Initiatives - The PBOC has launched financing actions focused on green projects, with the green loan balance reaching 64.859 billion yuan, a year-on-year increase of 34.6%, ranking second in the province [3] - Innovative financial products have been developed to support the low-carbon transition in traditional high-carbon industries, providing over 300 million yuan in financing [3] Group 4: Inclusive Finance Development - The PBOC is enhancing inclusive finance mechanisms to support small and micro enterprises, with the inclusive loan balance reaching 67.939 billion yuan, a year-on-year increase of 15.7% [4] - The number of credit villages in Zhanjiang reached 1,684, covering 100% of administrative villages with a total credit amount of 38.309 billion yuan [4] Group 5: Elderly Care Financial Services - The PBOC is exploring a "finance + elderly care" service model, promoting health and insurance solutions for the elderly, including the establishment of a home care experience center [5] Group 6: Digital Finance Innovations - The PBOC is leveraging digital technologies to enhance financial services, with 12.12 billion yuan in loans issued through a credit information sharing platform for small and micro enterprises [6] - The digital RMB personal wallets reached 1.6255 million, with 230,000 merchants and a total transfer amount of 3.62 billion yuan [7] Future Directions - The PBOC in Zhanjiang will continue to implement the financial "five articles" strategy, focusing on the development of Zhanjiang as a provincial sub-center city and a key area for modern coastal economic development [7]

Core Insights - The People's Bank of China (PBOC) in Zhanjiang has implemented financial policies to support key sectors such as technology, green finance, inclusive finance, elderly care, and digital finance, contributing to high-quality economic development in the region [1][2][3][4][5][6][7] Group 1: Financial Support for Key Sectors - The PBOC has introduced a comprehensive action plan and guidelines to enhance financial support for Zhanjiang's economic development, resulting in a loan balance of 206.17 billion yuan, a year-on-year increase of 28.7%, the highest growth rate in the province [1] - As of August 2025, the technology loan balance in Zhanjiang reached 75.3 billion yuan, with a year-on-year growth of 34.6%, leading the province [2] - Green loans in Zhanjiang amounted to 64.86 billion yuan by June 2025, reflecting a year-on-year increase of 34.6%, ranking second in the province [3] - Inclusive finance loans reached 67.94 billion yuan by June 2025, with a year-on-year growth of 15.7%, and the number of credit villages reached 1,684, covering 100% of administrative villages [4] Group 2: Innovative Financial Products and Services - The PBOC has developed various financial products to support technology innovation, including 4.8 million yuan in re-loans for small and micro enterprises and 25.5 billion yuan in intellectual property pledge financing [2][3] - New financial products such as "Micro Quick Loan" and "Digital Transformation Loan" have been introduced to enhance financing convenience for small businesses [4][6] - The PBOC has also promoted a "Financial + Elderly Care" service model, integrating insurance and health services to support the aging population [5] Group 3: Digital Finance Development - The PBOC has leveraged digital technology to enhance financial services, issuing loans totaling 1.212 billion yuan through a credit information sharing platform for small and micro enterprises [6] - By mid-2025, Zhanjiang had opened 1.6255 million digital RMB personal wallets, with 230,000 merchants accepting digital currency, facilitating 5.5883 million transactions worth 3.62 billion yuan [7]

Core Viewpoint - The development of inclusive finance is a crucial initiative at the national level to promote economic inclusive growth and maintain social fairness, with significant social implications in stabilizing employment, ensuring livelihoods, and promoting innovation [1] Group 1: Product Innovation - The company is enhancing traditional micro-enterprise mortgage loans while leveraging digital transformation to strengthen channel construction, promoting the integration of online and offline development [2] - New online financing products for micro-enterprises have been launched, including Lightning Loan, Government Procurement Loan, Medical Insurance Loan, and others, effectively meeting the quick financing needs of various micro-market entities [2] - As of August 2025, the company has served 17,000 micro-loan clients with an average loan balance of 730,000 yuan, demonstrating a commitment to making finance accessible to the public [2] Group 2: Risk Pricing - The company is optimizing the risk pricing scheme for micro-enterprise financing to reduce financing costs, with the profit subsidy for inclusive micro-loans increased to 70 basis points since 2022 [3] - The risk weight for small and medium enterprises has been lowered to 85%, and for eligible micro-enterprises to 75%, effectively promoting price reductions [3] - As of August 2025, the average interest rate for newly issued inclusive micro-loans is 3.12%, a decrease of 0.75 percentage points year-on-year, alleviating the financing cost pressure on micro-enterprises [3] Group 3: Credit Support - The company emphasizes early credit support through detailed KYC processes to ensure quick lending, targeting long-term stable cooperative clients and technology innovation enterprises [4] - Active marketing strategies are employed to promote the concept of "credit can be prepared but not used without preparation," enhancing the efficiency of micro-financial services [4] - As of August 2025, the company achieved an inclusive loan balance of 12.46 billion yuan, a year-on-year increase of 9.15%, reflecting its commitment to supporting the development of the real economy [4]

Group 1 - Qingdao Bank has received recognition for its innovation in supply chain finance, winning two awards in the 2024 Qingdao Financial Innovation Evaluation [1] - The bank was awarded the "Outstanding Financial Institution for Promoting Supply Chain Finance Development - Innovation Service Award" by the People's Bank of China Qingdao Branch [1] - The bank's self-designed "Online Supply Chain Financial Comprehensive Service Plan Project" won the third prize in the municipal financial innovation achievement incentive [1] Group 2 - Qingdao Bank has tailored a supply chain financing solution for a national-level agricultural industrialization leading group, addressing financing challenges due to the geographical dispersion of upstream suppliers [2] - The collaboration with the agricultural group serves as a benchmark project for the bank's deep engagement in modern agricultural full industry chain financial services [2] - By 2025, the bank has provided over 800 million yuan in funding support through supply chain financial solutions, focusing on the "feed production - breeding" segments [2] Group 3 - The bank aims to continue integrating financial technology with industry scenarios to enhance the quality of its supply chain finance business [2] - Qingdao Bank is committed to improving the comprehensive effectiveness and professional level of its services to the real economy [2]

Core Viewpoint - The 2025 China International Service Trade Fair showcased China Merchants Bank's innovative financial services and commitment to integrating technology with finance, emphasizing its "Five Major Articles" strategy and differentiated development [1][8]. Group 1: Exhibition Highlights - China Merchants Bank's exhibition featured a space capsule-style wealth experience hall, integrating cutting-edge technology with financial services, creating an engaging and interactive environment for attendees [2]. - The exhibition included various functional areas such as command windows, weightlessness experience pods, and energy matrix activation walls, allowing visitors to explore the bank's achievements in a fun and immersive way [2][3]. Group 2: Financial Innovations - The bank highlighted its commitment to technology finance, showcasing products like "Science and Technology Loans," which have provided over 47 billion yuan in credit to innovative enterprises, with more than 14 billion yuan disbursed [3]. - China Merchants Bank introduced a "Starry Sky" action plan to support various categories of innovative enterprises, achieving over 80% coverage of "little giant" companies in Beijing [3]. Group 3: Green Finance Initiatives - The bank presented its green finance achievements through a visual product system, including the first rural revitalization-themed green bond and the first commercial bank bond compliant with the "Green Bond Principles" [4]. - The bank's Beijing branch established the first "assembly + carbon neutrality" outlet in the financial industry, promoting green concepts and actions among its staff [4]. Group 4: Inclusive Finance Efforts - The bank demonstrated its supply chain finance models, such as "Zhaolai Easy Loan," aimed at enhancing financial services for small and micro enterprises, with a reported growth rate of over 10% in public inclusive loans [4]. Group 5: Pension Finance Services - China Merchants Bank's personal pension main account system has issued over 86 million electronic social security cards and managed a pension trust scale of 266.5 billion yuan [5][6]. Group 6: Digital Finance Developments - The bank showcased its digital finance achievements, including the "Financial Management Cloud" and "E-Canteen" services, enhancing user experience and operational efficiency [6]. - It is noted as the first bank in the industry to issue online consumer loans using digital currency, reflecting its commitment to smart financial services [6]. Group 7: Future Outlook - Looking ahead, China Merchants Bank aims to anchor its financial work in political and public service, focusing on supporting the real economy and responding to public needs, thereby contributing to high-quality development [8].

Core Insights - The article highlights the integration of innovation-driven enterprises and research institutions in Shanghai's Songjiang District, which serves as a hub for emerging industries such as high-end equipment, new materials, and biomedicine, forming a complete innovation and industrial chain that drives regional economic development [1] Group 1: Financial Services and Innovation - The "fund + park + industry" integrated service model established by China Merchants Bank Shanghai Branch aims to better serve technology enterprises by providing a comprehensive financial service ecosystem [1][2] - As of June, the national technology loan balance reached 44.1 trillion yuan, with a year-on-year growth of 12.5%, outpacing the overall loan growth by 5.8 percentage points [1] Group 2: Benefits of Industrial Parks - Technology enterprises benefit from industrial parks through professional support that meets their high R&D demands, with R&D investments typically accounting for 15%-30% of revenue [3] - Industrial parks facilitate resource integration and collaboration among technology enterprises, enhancing their competitive edge through vertical industry cluster effects [3] Group 3: Financial Innovation and Support - China Merchants Bank has introduced the "Science and Technology Talent Loan" to address financing challenges faced by small and micro technology enterprises stemming from their asset-light nature [6] - The bank has developed a technology enterprise qualification scoring model to identify growth potential beyond financial metrics, offering tailored financing products such as "Science and Technology Loans" [6][7] Group 4: Future Directions in Financial Services - The focus on creating a comprehensive financial service ecosystem for industrial parks includes integrating external resources and establishing long-term communication mechanisms with government departments and industry associations [4] - The bank plans to enhance its technology financial services by transforming more branches into "technology financial specialty branches" over the next three years [8]

Core Viewpoint - The article emphasizes the importance of boosting consumption and investment efficiency to expand domestic demand, with a focus on various consumer segments and financial support initiatives by China Merchants Bank's Guangzhou branch [2]. Group 1: Consumer Support Initiatives - China Merchants Bank Guangzhou branch is enhancing personal consumption loan products to meet the needs of consumers, particularly in large purchases like automobiles and home appliances [3]. - The "Lightning Loan" product offers features such as instant approval and flexible repayment, aimed at reducing financing costs for consumers [3]. - The bank is actively promoting the "Lightning Loan·Renewal Plan" to support appliance replacement and home upgrades, alongside various consumer discounts and payment incentives [3]. Group 2: Support for Small and Micro Enterprises - The bank is increasing its services to small and micro enterprises, providing financing solutions through a comprehensive supply chain financial service system [4]. - Products like "Zhaolian Yidai" and "Jingxiao Yidai" are designed to support upstream and downstream enterprises, enhancing their access to financing [4]. - The bank is leveraging data-driven financing solutions to address the challenges faced by small and micro enterprises in securing funds [4]. Group 3: Elderly Financial Services - The bank is developing a pension financial brand to cater to the aging population, focusing on high-quality service paths for elderly clients [5]. - It offers a full-process service for the third pillar of personal pension systems, with a notable number of clients and contributions in the region [5]. - The bank has completed the renovation of 77 branches to improve accessibility for elderly customers, including home service mechanisms for those with mobility issues [5]. Group 4: Future Directions - The bank plans to continue enhancing inclusive financial services to support consumer upgrades, small enterprise growth, and the well-being of new urban residents [6].