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深耕普惠赋能民企成长
Xin Hua Ri Bao· 2025-09-21 21:13
□ 李蓉蓉 截至2025年6月末,张家港农商银行母公司涉农及小微贷款余额1246.25亿元,较年初增加83.89亿元,占 比90.88%;单户1000万(含)以下贷款户数占比达99.01%;民营企业贷款余额848.11亿元,较年初增加 52.83亿元,占比61.85%;普惠型小微企业贷款增速9.15%,高于各项贷款增速1.09%。 围绕企业产业链整合、降本增效、多元化资产配置和资本市场布局等需求,该行提供并购融资、银团贷 款、债券承销、投资顾问等综合服务,并配套结构性存款、大额存单、银企直联等现金管理工具, 融"资"更融"智",为企业跨越发展、布局全球提供顶层设计和全程金融支持。 构建"特色化深耕"的差异金融服务。依据各机构发展定位和区域资源禀赋差异,持续推进客群"分类施 策、分层营销"策略,做深做透公司客群,力争做中小企业、村级经济金融服务的主导者,优质大型企 业金融服务的参与者,政府乡镇单位金融服务的助力者。 遵循"做深做透小网格,做精做稳大市场"的理念,今年以来,张家港本地机构实施属地化经营。通过数 据穿透式梳理、风险分级认定、实地拜访衔接,客户维护半径明显缩短,服务响应时效显著提升,为区 域市场精耕筑 ...
张家港行:多维发力,蓄势新未来
Zheng Quan Shi Bao Wang· 2025-09-11 06:23
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]
江阴银行(002807) - 2025年8月29日投资者关系活动记录表
2025-08-29 08:32
Group 1: Business Strategy and Focus Areas - The bank positions its pension finance business as a core growth driver, aiming to develop it alongside wealth management over the next 2-3 years [2][3] - The bank identifies a multi-trillion market opportunity driven by the shift in pension needs from simple savings to comprehensive life-cycle planning [3] - Key strategies include forming specialized teams, leveraging technology for personalized services, and creating a financial product-service ecosystem [3] Group 2: Financial Performance and Growth Metrics - As of June, the bank's technology finance loan balance reached CNY 15.9 billion, while green finance loans totaled CNY 4.459 billion, reflecting a 30.57% increase since the beginning of the year [4] - The bank's total loans grew by 5.87% year-to-date, with deposits increasing by 6.35% [8] - The bank plans to maintain moderate asset growth and align credit issuance with regional industrial transformation needs in 2025 [8] Group 3: Market Positioning and Competitive Strategy - The bank emphasizes a "steady progress" approach in market value management, focusing on enhancing profitability and market influence [5][6] - It aims to innovate in the technology finance sector by establishing a dedicated financial center and specialized teams to support startups and early-stage companies [6][7] - The bank's product development strategy includes a comprehensive service matrix for different stages of technology enterprises [7] Group 4: Compliance and Governance - The independent board members monitor compliance with laws and regulations, focusing on key risk areas such as related party transactions and anti-money laundering [8] - The bank ensures that management provides detailed compliance reports for critical areas to maintain regulatory adherence [8] - The board exercises veto power on any proposals with compliance concerns to protect shareholder interests [8]
一张贷款“明白纸”,帮企业算清融资“明白账”
Sou Hu Cai Jing· 2025-08-27 09:55
Core Viewpoint - The introduction of the "Loan Clarity Paper" in Jiangsu Province enhances transparency in corporate financing costs, allowing businesses to better understand their total borrowing expenses, including both interest and non-interest costs [2][3][4] Group 1: Loan Clarity Paper Implementation - The People's Bank of China initiated a pilot program in March 2025 in four cities, which was expanded to the entire province by July, promoting collaboration between banks and enterprises to fill out comprehensive financing cost lists [2] - The "Loan Clarity Paper" presents a clear and comprehensive overview of various financing fees, including payment methods, cycles, and annualized rates, addressing information asymmetry in financing [2] Group 2: Improved Bank-Enterprise Relationships - The "Loan Clarity Paper" consolidates various costs scattered across contracts, reducing misunderstandings and disputes related to hidden costs, while also listing fees waived or paid by banks, making benefits more tangible [3] - A mechanical manufacturing company discovered that the bank covered certain fees, enhancing their satisfaction with the bank's services and realizing the benefits of financial cost reductions [3] Group 3: Enhanced Financing Adaptability - The "Loan Clarity Paper" plays a crucial role in guiding banks to help enterprises access various preferential policies and recommend suitable financing products, effectively lowering costs [4] - A printing company saved 30,000 yuan in financing costs by switching from private lending to a government emergency loan program, facilitated by the bank's proactive service [4] - An electrical cable company was able to apply for a subsidized loan product, potentially saving 100,000 yuan annually in financing costs, alleviating financial pressure [4]
红链赋能激活力 金融活水润实体
Xin Hua Ri Bao· 2025-08-25 07:08
Core Viewpoint - Jiangsu province is initiating a "Financial Services for the Real Economy" action to enhance the integration of finance and industry through party-building efforts, aiming to support high-quality development and modern industrial systems [1][2]. Group 1: Financial and Industrial Integration - Jiangsu has established a new model of integration between "industrial chain + finance + party-building," which aims to efficiently connect financial resources with industrial needs [2][8]. - The action involves the establishment of party organizations within industrial chains to facilitate the integration of financial demands from enterprises and promote policy alignment [2][3]. Group 2: Financial Products and Support - The "Su Lian Rong" financial product was introduced to address the issue of accounts receivable, providing fiscal interest subsidies to alleviate financial pressure on enterprises [5][6]. - Financial institutions are actively innovating products to create a comprehensive financial support system for enterprises throughout their lifecycle, with a reported 27 basis point decrease in loan interest rates compared to the previous year [5][6]. Group 3: Practical Implementation and Ecosystem - The establishment of financial service centers for private enterprises aims to provide customized financial solutions and facilitate easier access to financing [7][8]. - The new action is an upgrade from previous financial service activities, creating a closed-loop service model that connects enterprise financing needs with financial institutions and government support [8].
金融活水润红土 盐阜老区展新颜
Jin Rong Shi Bao· 2025-08-21 02:40
Core Viewpoint - Yancheng, a city with a rich revolutionary history, is leveraging financial support to drive rural revitalization and economic growth, particularly in the agricultural sector, while also focusing on green finance and technological innovation [1][2][9]. Financial Support for Agriculture - The People's Bank of China Yancheng Branch has signed loans exceeding 11 billion yuan for over 130 major agricultural projects, emphasizing the importance of rural revitalization in the revolutionary old area [2]. - Financial institutions are innovating products and reducing costs to support local agricultural enterprises, exemplified by a quick loan approval process that enabled a grain processing company to expand production [2]. Focus on Red Towns and Villages - Yancheng has 128 red towns and villages that are prioritized for financial services, with a loan balance exceeding 13.7 billion yuan, reflecting a growth of 30.48% compared to the beginning of the year [3]. - The introduction of specialized products like "Hongyan Loan" and initiatives such as "Field Financial Class" are aimed at meeting the specific needs of these communities [3]. Support for Small and Micro Enterprises - Small and micro enterprises constitute nearly 90% of Yancheng's businesses, with a total of 237.15 billion yuan in inclusive loans, marking a growth of 19.54% [4]. - Financial institutions are utilizing data-driven approaches to assess creditworthiness and provide timely loans to support operational needs [4][5]. Green Finance Initiatives - Yancheng is promoting green finance to support low-carbon development, with green credit balances reaching 341.89 billion yuan, an increase of 38.25% [7]. - Innovative financial products such as "Ecosystem Carbon Credit Loans" and "Water Rights Loans" are being developed to enhance ecological restoration efforts [7]. Technological Innovation Support - The financial sector is focusing on supporting high-tech and specialized enterprises, with loans for technology-driven companies reaching 437.56 billion yuan, growing by 26.99% [10]. - Initiatives like "Research and Development Loans" and "Talent Loans" are being implemented to facilitate innovation and product development in the region [9][10].
江苏江阴:金融活水润泽中小企业茁壮成长
Zhong Guo Jin Rong Xin Xi Wang· 2025-08-13 11:56
Group 1 - Jiangyin Luyuan Electric Technology Co., Ltd. received an order for 20,000 harmonic filters worth 8 million yuan, requiring timely procurement of raw materials and production startup [1] - Jiangyin's financial institutions have established a multi-party collaboration to address the financing difficulties faced by small and medium-sized enterprises (SMEs), creating a comprehensive financing service mechanism [1] - The "Angel Loan" product was launched to support early-stage technology companies by allowing investment institutions to invest first, followed by bank loans, focusing on innovation capability and market recognition rather than traditional financial metrics [1] Group 2 - Jiangyin's financial institutions utilize the "Suzhi Loan" product to offer intellectual property pledge loans, converting "soft assets" into "hard currency" for growing enterprises [2] - Jiangyin Bank provided a 10 million yuan loan to Jiangsu Haixi Meiy Electronic Technology Co., Ltd. through patent pledges, emphasizing the importance of patents in supporting R&D efforts [2] - Jiangyin encourages financial institutions to broaden the range of pledgeable assets, including trademarks, copyrights, and data, to assist companies in overcoming financial challenges [2] Group 3 - Jiangyin High-tech Zone has implemented targeted financing support policies for expansion-stage enterprises, focusing on key industries such as integrated circuits and biomedicine [2] - A 300 million yuan project loan was provided to Jiangsu Xingan Technology Co., Ltd. by China Everbright Bank, with a two-year grace period for repayment, facilitating the company's growth [2][3] - Jiangyin has established a closed-loop mechanism involving government, banks, and enterprises to optimize financial resource allocation, organizing various events to connect financial institutions with SMEs [3] Group 4 - Jiangyin has developed a financing coordination work mechanism to support SMEs, resulting in over 95,000 enterprise visits and more than 750 billion yuan in cumulative credit [3] - The first loan rate for SMEs in Jiangyin has reached 1%, indicating a successful outreach and support strategy [3] - Financial advisors from banks have been assigned to local government agencies to enhance the connection between financial resources and the real economy [3]
紫金农商银行助推经济向“新”图强
Jiang Nan Shi Bao· 2025-08-12 13:54
Core Viewpoint - The article emphasizes the importance of integrating technological innovation with industrial development in Jiangsu, highlighting the role of financial institutions like Zijin Rural Commercial Bank in supporting this integration through tailored financial services and products for technology enterprises [1][2]. Group 1: Strategic Framework - Zijin Rural Commercial Bank has established a three-year strategic plan for technological finance development, prioritizing support for technology enterprises with dedicated credit plans and performance assessments [2]. - The bank has created a "1+13+N" organizational structure to enhance collaboration between the central bank and regional branches, facilitating a comprehensive service network for technology enterprises [2]. - A unique operational model called "three specialties and five separations" has been implemented to improve approval efficiency while addressing the specific needs and risks of technology companies [2]. Group 2: Product Innovation - The bank is focused on developing a product system that caters to the entire lifecycle of technology enterprises, offering specialized loans and financial products tailored to different stages of business development [3][4]. - For startups, the bank provides entrepreneurial loans and services like payroll management, while for growing companies, it offers products such as "Su Zhi Loan" and "Su Ke Loan" to meet their financing needs [4]. - As of June 2025, the bank has served over 1,700 technology enterprises, disbursing more than 8 billion yuan in loans, reflecting a nearly 10 billion yuan increase compared to the previous year [4]. Group 3: Service System - Zijin Rural Commercial Bank actively engages in resource integration and precise outreach to technology enterprises, having visited and followed up with 27,000 technology companies this year [6]. - The bank collaborates with various technology parks and has established partnerships with six technology financial service stations in Nanjing to enhance service delivery and address information asymmetry between banks and enterprises [6]. - The bank aims to strengthen its technological finance framework and develop products that meet the specific needs of technology enterprises, ensuring a steady flow of capital to support new productive forces [7].
政银企对接引金融活水助企“出海” 1-4月知识产权质押融资79笔、金额达13.15亿元
Zhen Jiang Ri Bao· 2025-05-19 23:39
Group 1 - The event on May 19 focused on "Intellectual Property Safeguarding 'Going Global', Financial Collaboration Leading the Way," providing practical guidance for transforming intellectual property into assets [1] - Intellectual property serves as a crucial bridge for converting technological achievements into productive forces, linking innovation with the market [1] - The city has seen a growing number of technology innovation enterprises, with financial products like "Su Zhi Loan" and "Talent Loan" introduced to facilitate the transformation of intellectual property into assets and patents into profits [1] Group 2 - Jiangsu Bank's Zhenjiang branch has served over 1,000 technology innovation enterprises, with intellectual property-related business exceeding 1 billion yuan [1] - Jiangsu Hanya Organic Farm Co., Ltd., a leading agricultural enterprise, has accumulated 15 patents and established 32 production technology standards, highlighting the importance of intellectual property pledge financing in activating intangible assets and boosting innovation confidence [1] - From January to April this year, the city recorded 79 cases of intellectual property pledge financing, amounting to 1.315 billion yuan, with six companies establishing cooperation with Jiangsu Bank during the event [1] Group 3 - As the city's outward-oriented economy progresses, challenges in the intellectual property sector are becoming more prominent [2] - The city's intellectual property department is actively addressing enterprise needs by providing overseas intellectual property risk response guidance and financial services, helping companies transition from passive to proactive strategies [2] - The department plans to participate in major exhibitions and events, using a combination of online and offline methods to guide exhibitors in self-checking their products and promotional materials to prevent overseas infringement disputes [2]
全省一季度知识产权质押融资金额突破160亿元
Xin Hua Ri Bao· 2025-05-07 00:11
Group 1 - The provincial intellectual property bureau has actively promoted intellectual property pledge financing activities, helping enterprises convert intellectual property into assets [1] - From January to March, 11 partner banks provided loans totaling 5.0738 billion yuan to 886 enterprises through the "Su Zhi Dai" program, leading to a total intellectual property financing amount exceeding 16 billion yuan, benefiting 1,492 enterprises [1] - The number of patent and trademark pledge projects reached 1,501, with a financing amount of 10.47 billion yuan, benefiting 1,390 enterprises [1] Group 2 - The provincial intellectual property bureau has initiated the 2025 enterprise intellectual property pledge financing demand information collection to better understand the financing needs of innovative small and medium-sized enterprises [2] - The focus of the information collection includes high-tech enterprises, "specialized, refined, distinctive, and innovative" enterprises, and enterprises with intellectual property advantages, gathering data on financing needs, existing channels, costs, and suggestions [2]