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金融“强心剂”激活智造新动能
Xin Hua Ri Bao· 2025-09-22 07:57
Core Viewpoint - The article emphasizes the role of manufacturing as a cornerstone of local economies, highlighting the efforts of Xuzhou Rural Commercial Bank in supporting the manufacturing sector through tailored financial services and collaboration with local enterprises [1][2][3]. Group 1: Financial Support Initiatives - Xuzhou Rural Commercial Bank has focused on providing financial support to manufacturing enterprises, addressing core needs such as capacity upgrades, technological iterations, and cash flow management [1]. - The bank's Liuquan branch has implemented customized financial products and optimized service processes to facilitate the transition from traditional manufacturing to intelligent manufacturing [1][2]. - The bank has disbursed a total of 1.2 billion yuan in credit to 15 manufacturing enterprises over the past two years, with three companies achieving over 30% efficiency improvements after upgrading their production lines [2][3]. Group 2: Case Studies of Benefiting Enterprises - Jiangsu Ningyi Electric Equipment Co., a provincial high-tech enterprise, received 3 million yuan in working capital loans and an additional 16 million yuan in pre-approved credit to support its factory expansion and energy storage research [1]. - Xuzhou Xudi Machinery Co., which produces counterweights for cranes, benefited from 800,000 yuan in loans, enabling a 30% increase in production efficiency and a product qualification rate of 99% after upgrading to smart equipment [2]. Group 3: Collaborative Efforts and Future Outlook - The Liuquan branch has established a "government-bank-park-enterprise" strategic cooperation agreement to enhance collaboration and break down information barriers [2]. - The bank has formed a dedicated service team for the manufacturing sector, conducting regular visits to understand financing needs and assist with policy benefits [3]. - Looking ahead, Xuzhou Rural Commercial Bank aims to deepen its engagement with local manufacturing, offering more precise products and efficient services to drive high-quality economic development in Xuzhou [3].
新沂农商银行引金融活水精准润泽科创沃土
Jiang Nan Shi Bao· 2025-09-19 13:41
科技创新是高质量发展的核心引擎,而金融则是滋养创新的关键活水。作为扎根地方、服务实体的金融 主力军,新沂农商银行紧扣国家创新驱动发展战略,将科技金融置于全行核心战略位置,通过优化机 制、创新产品、精准服务,构建起多层次、广覆盖、可持续的科技金融服务体系,为区域科创企业注入 强劲金融动能。 风险共担与模式突破:拓宽"赋能路径"。积极借助省级风险补偿政策,突破传统抵押依赖,重点推 广"苏科贷"产品,依托省科技厅企业库与普惠金融风险补偿基金,实现全流程信息化管理,增强"敢 贷、愿贷"信心。截至2025年8月末,已累计支持22家高科技企业,贷款金额1.64亿元。针对省级以上专 精特新企业,量身定制"专精特新贷"纯信用产品,目前已发放3户、金额950万元,助力企业提升核心竞 争力、增强产业链韧性。 新沂农商银行将继续坚守本土、深耕实体,持续优化科创评级模型,深化政银担合作,探索知识产权质 押、投贷联动等多元模式,完善科技金融生态圈,努力满足企业全生命周期金融需求,与科创企业同奋 进、共成长! 冯双 精准聚焦与产品创新:打造"特色样板"。聚焦专精特新、科技型中小企业等创新主体,依托省联合银 行"苏创积分贷"评价模型,初步 ...
上半年江苏民营经济贷款余额超七万亿元、同比增长百分之八
Sou Hu Cai Jing· 2025-09-11 02:09
Group 1 - The core viewpoint emphasizes the importance of addressing the financing difficulties faced by private enterprises in Jiangsu, as highlighted by President Xi Jinping during the private economy symposium [2] - Jiangsu's private economy plays a crucial role in entrepreneurship, employment, technological innovation, and fiscal revenue, significantly contributing to the province's economic and social development [2] - As of mid-2023, the loan balance for the private economy in Jiangsu reached 7.02 trillion yuan, marking an 8% year-on-year increase [2] Group 2 - Jiangsu's financial institutions have introduced a diverse range of products to support private enterprises, including various loan types and insurance products, reflecting a commitment to service innovation [3] - The introduction of the "Equipment Update Loan" by Jiangsu Bank has resulted in 317 loans totaling 6.5 billion yuan, aimed at facilitating equipment upgrades for private enterprises [3] - Approximately 90% of high-tech enterprises and 70% of provincial R&D institutions in Jiangsu are private enterprises, indicating their significant role in technological and industrial innovation [3] Group 3 - Jiangsu Bank has launched the "1650" industry chain digital customer acquisition system, providing 779.8 billion yuan in credit to 30,500 industry chain clients, with a focus on supporting private enterprises [4] - The insurance sector, represented by Zijin Insurance, has developed innovative insurance products to mitigate risks for technology-driven private enterprises, providing over 800 million yuan in risk coverage for autonomous driving companies [5] Group 4 - The A-share market has seen significant performance from Jiangsu-listed companies, with 52 companies doubling their stock prices this year, driven by strategic investments in emerging industries [6] - Jiangsu Bank's "Equity Option Loan" aims to support high-growth technology companies by providing credit while allowing for equity stake options, with 30 companies receiving a total of 120 million yuan in support [6] Group 5 - Collaborative efforts among Jiangsu High Investment Group, venture capital associations, and banks aim to attract investment from top-tier institutions in Shenzhen to support emerging industries in Jiangsu [7] - The establishment of financial service centers for private enterprises in Jiangsu aims to provide comprehensive financial services, including consultations and policy promotion, enhancing the support for private businesses [8] Group 6 - As of August 2025, the Jiangsu financial service platform has registered over 2.02 million enterprises, with 84% being private, facilitating credit access of 6.49 trillion yuan for 485,300 enterprises [9] - The provincial government plans to enhance financial services for private enterprises by improving credit service levels and optimizing equity financing systems [9]
上半年全省民营经济贷款余额超7万亿元、同比增长8%金融活水精准滴灌,民营经济发展强劲
Xin Hua Ri Bao· 2025-09-10 23:35
Core Insights - The Chinese government emphasizes the need to address financing difficulties for private enterprises, highlighting the importance of the private economy in Jiangsu for job creation, technological innovation, and fiscal revenue [1] Group 1: Financial Support for Private Enterprises - Jiangsu's private economy loan balance reached 7.02 trillion yuan, with an 8% year-on-year increase [1] - The province has 712 listed companies, with over 70% being private enterprises, indicating a strong presence of private firms in the capital market [1] - Financial institutions in Jiangsu are innovating products to support private enterprises, including various loan types and insurance products [2][3] Group 2: Innovation in Financial Products - Jiangsu Bank launched "Equipment Update Loans," providing 6.5 billion yuan across 317 transactions to support equipment upgrades [2] - The "1650" industry chain digital customer acquisition system has facilitated 779.8 billion yuan in credit for 30,500 industry chain clients [3] - New insurance products have been developed to mitigate risks for technology companies, with over 800 million yuan in coverage for low-speed unmanned driving equipment [3] Group 3: Capital Market Developments - The A-share market has seen significant growth, with 52 Jiangsu-listed companies doubling their stock prices this year [4] - Jiangsu Bank introduced "Equity Option Loans" to support high-growth technology companies while addressing concerns about early equity dilution [4] Group 4: Policy and Collaborative Efforts - Financial service centers have been established to provide comprehensive support to private enterprises, including financial consulting and policy promotion [6] - The provincial financial office has organized nearly 100 events to promote financial services for the real economy across 13 cities [6][7] - The "Jiangsu Small and Micro Enterprises Financing One-Stop" system has been developed to streamline financing processes for small enterprises [7]
金融活水精准滴灌,民营经济发展强劲
Xin Hua Ri Bao· 2025-09-10 23:28
Group 1 - The core viewpoint emphasizes the importance of addressing the financing difficulties faced by private enterprises in Jiangsu, as highlighted by President Xi Jinping during the private economy symposium [1] - Jiangsu's private economy plays a crucial role in entrepreneurship, employment, technological innovation, and fiscal revenue, significantly contributing to the province's economic and social development [1] - As of mid-2023, the loan balance for the private economy in Jiangsu reached 7.02 trillion yuan, marking an 8% year-on-year increase [1] Group 2 - Jiangsu's financial institutions have introduced a diverse range of products to support private enterprises, including various loan types and insurance products [2] - The "Equipment Update Loan" launched by Jiangsu Bank has provided 6.5 billion yuan across 317 transactions, demonstrating the bank's commitment to facilitating equipment upgrades for private enterprises [2] - Approximately 90% of high-tech enterprises and 70% of provincial R&D institutions in Jiangsu are private enterprises, indicating their significant role in innovation and development [2] Group 3 - Jiangsu Bank has innovatively launched the "1650" industry chain digital customer acquisition system, providing 779.8 billion yuan in credit to 30,500 industry chain clients [3] - The insurance sector, represented by Zijin Insurance, has introduced innovative insurance products to mitigate risks for technology-driven enterprises, providing over 800 million yuan in risk coverage for autonomous driving companies [3] - Zijin Insurance has also provided more than 6.5 billion yuan in risk coverage for the new energy private economy [3] Group 4 - The A-share market has seen significant performance from Jiangsu-listed companies, with 52 companies doubling their stock prices this year, reflecting the province's strategic focus on emerging industries [4] - Jiangsu Bank's "Equity Option Loan" aims to support technology-driven private enterprises by providing credit while allowing for equity stake options, with 1.2 billion yuan allocated to nearly 30 companies [4] - The establishment of new investment divisions by Yida Capital indicates a strategic shift to better align with future technology and industry trends [4] Group 5 - A promotional event for the Jiangsu Strategic Emerging Industry Fund Cluster was held in Shenzhen, aiming to attract top investment institutions to support Jiangsu's emerging industries [5] Group 6 - The establishment of financial service centers for private enterprises in Jiangsu aims to provide comprehensive financial services, including consultations and policy promotion [6] - Nearly 100 "Financial Services for the Real Economy" events have been organized across Jiangsu, enhancing the outreach of financial support to private enterprises [6] Group 7 - As of August 2025, the Jiangsu Financial Services platform has registered over 2.02 million enterprises, with 84% being private enterprises, facilitating credit access of 6.49 trillion yuan [7] - The development of the "Jiangsu Small and Micro Enterprises Financing One-Stop" system aims to streamline financing processes for small enterprises [7] - Financial institutions in Jiangsu have conducted visits to over 4.03 million enterprises, providing credit support of 3.02 trillion yuan to 582,900 enterprises [7]
锚定主航道 江苏银行多维赋能实体经济提质增效
Di Yi Cai Jing Zi Xun· 2025-09-08 02:52
Group 1 - The world's first salmon farming vessel, "Suhai No. 1," has been officially delivered, showcasing the complexity and innovation in its construction, supported by a 760 million yuan credit facility from Jiangsu Bank [1] - The vessel is expected to produce 8,000 tons of salmon annually and can deliver products to major domestic markets within 24 hours [1] - Jiangsu Bank's public loan balance reached 1.625 trillion yuan by June 2025, reflecting a 23.3% increase from the previous year, indicating its commitment to supporting the real economy [1] Group 2 - Jiangsu Bank is leveraging "industrial chain finance" to enhance the stability and resilience of the real economy, connecting upstream and downstream enterprises through digital platforms [2] - The "Suyin e-chain" platform allows downstream SMEs to obtain installment financing, alleviating their procurement pressure and improving cash flow for core enterprises [2] - By June 2025, Jiangsu Bank's supply chain financing scale exceeded 380 billion yuan, demonstrating its effective service to key industries such as steel, machinery, and petrochemicals [2] Group 3 - Jiangsu Bank integrates green finance principles into its lending decisions, promoting low-carbon and circular upgrades in industries [3] - The transformation of the former mining site at Pan'an Lake into a wetland is supported by a 240 million yuan credit from Jiangsu Bank, balancing environmental restoration with tourism development [3] - By June 2025, the bank's green financing balance surpassed 720 billion yuan, with a growth rate of 32.1% compared to the previous year [3] Group 4 - Jiangsu Bank has developed a financial service system for high-energy and high-emission enterprises, offering green support to industries like steel and cement [4] - The "green factory loan" links loan rates to the green factory certification and ESG performance, incentivizing companies to improve their sustainability practices [4] - Jiangsu Bank was elected as the only domestic bank on the UNEP FI Banking Board for the East Asia region, highlighting its commitment to green finance [4] Group 5 - Jiangsu Bank is transforming into a comprehensive financial service hub, enhancing its service quality to the real economy through innovative reforms [5] Group 6 - The bank is building a science and technology financial service ecosystem by connecting government, research institutions, and industrial parks, facilitating policy and resource integration [6] - Initiatives like "Sukedai" and "Talent Loan" are aimed at addressing the financing challenges faced by small and innovative enterprises [6] - Jiangsu Bank's revenue reached 44.864 billion yuan and net profit was 20.238 billion yuan in the first half of 2025, with a non-performing loan ratio of 0.84%, indicating improved asset quality [6] Group 7 - Jiangsu Bank is committed to deepening structural reforms in financial supply, focusing on technology finance, green finance, inclusive finance, and industrial chain finance to support high-quality development of the real economy [7]
资产增超2成、不良率创上市新低:江苏“好学生”交上城商行“量价险”均衡高分卷
Hua Er Jie Jian Wen· 2025-08-28 09:25
在银行业信贷压力延续、同业竞争加剧的大背景下,维持营收、利润同步高增的"含金量"不言而喻。尤 其作为当前规模第一梯队的城商行,江苏银行的利润增速仍较金融监管总局公示的银行业整体水平高出 近10个百分点,增势稳健向好。 拆分数据来看,江苏银行的利润增长背后,是量、价、险均衡优化的成果: 一是扩表速度仍维持在20%以上,总资产较年初增长21.16%,存款余额、贷款余额增速均维持在15%以 上; 二是净息差较二季度城商行整体水平高出0.41个百分点,达1.78%; 三是不良率创下上市以来最优水平,较年初的0.89%进一步降至0.84%,拨备覆盖率持续维持在300%以 上、高出城商行整体水平145.49个百分点。 好学生总是喜欢提前交卷。近日,江苏银行率先交出中期"成绩单",披露公司上半年录得营收、归母净 利润448.64亿元、202.38亿元,两项数据的同比增速分别为7.78%、8.05%。 关键指标的全面向好有迹可循。"成绩单"背后的经营韧性,是江苏银行坚持长期主义,始终以服务实体 经济为根基、科技赋能为杠杆、风控能力为护城河;该行规模、效益与资产质量的协同提升,也为同业 应对市场波动提供了可资借鉴的样本。 资产 ...
江苏银行半年报出炉 再交亮眼答卷
Sou Hu Cai Jing· 2025-08-26 08:22
Core Viewpoint - Jiangsu Bank has demonstrated strong performance in the first half of 2025, achieving significant growth in revenue and net profit despite industry challenges, reflecting its commitment to high-quality development and effective risk management [1][2]. Financial Performance - The bank reported a revenue of 44.864 billion yuan, a year-on-year increase of 7.78%, and a net profit attributable to shareholders of 20.238 billion yuan, up 8.05% year-on-year [1][2]. - As of June 30, 2025, total assets reached 4.79 trillion yuan, growing 21.16% from the previous year, with total deposits at 2.54 trillion yuan (up 20.22%) and total loans at 2.43 trillion yuan (up 15.98%) [2]. - The annualized ROE was 15.64% and ROA was 0.96%, indicating strong operational quality [1][2]. Market Position - Jiangsu Bank improved its ranking to 56th in the 2025 Global Bank 1000 list by The Banker, rising 10 places from the previous year, and ranked 162nd in the Fortune China 500, maintaining its position as the top city commercial bank in China [3]. Loan Growth and Economic Support - The bank's loan balance reached 2.43 trillion yuan, with a 15.98% increase year-on-year, supporting the economic development of Jiangsu province [4]. - Corporate loans amounted to 1.625 trillion yuan, growing 22.20%, while personal loans reached 695.5 billion yuan, with an increase of 20.7 billion yuan [4]. Innovation and Green Finance - Jiangsu Bank is actively involved in promoting technological and industrial innovation, participating in initiatives like the "Su Ke Loan" for technology transfer [5]. - The bank's green financing scale exceeded 720 billion yuan, a 32.1% increase year-on-year, with green assets accounting for over 16.4% of total assets [5]. Risk Management - The non-performing loan (NPL) ratio improved to 0.84%, the lowest since its listing, with a decrease in the proportion of loans under scrutiny to 1.24% [8][9]. - The bank has upgraded its risk management system, enhancing its ability to manage risks effectively [9]. Stock Performance and Market Recognition - Jiangsu Bank's stock price increased by 20.97% year-to-date, outperforming the banking sector, and was included in the FTSE China A50 Index [10]. - Institutional investors have shown strong interest, with 414 funds holding shares in Jiangsu Bank, ranking it among the top four banks in terms of fund holdings [10]. Management Confidence - The bank's management demonstrated confidence in future growth by completing a voluntary share buyback plan, exceeding the initial target [11].
江苏银行再交亮眼答卷,“三好学生”始终令人放心!江苏银行半年报出炉
21世纪经济报道· 2025-08-22 15:33
Core Viewpoint - Jiangsu Bank has demonstrated strong performance in its 2025 semi-annual report, achieving significant growth in revenue and net profit amidst a challenging industry environment, highlighting its commitment to high-quality development and effective risk management [1][4]. Financial Performance - The bank reported a total revenue of 448.64 billion yuan, a year-on-year increase of 7.78%, and a net profit attributable to shareholders of 202.38 billion yuan, up 8.05% year-on-year [2][3]. - As of June 30, 2025, total assets reached 47.9 trillion yuan, growing 21.16% from the end of the previous year, with total deposits at 25.4 trillion yuan (up 20.22%) and total loans at 24.3 trillion yuan (up 15.98%) [3][4]. Business Development - Jiangsu Bank's asset growth rate improved by 8.32 percentage points compared to the first quarter, with loan growth accelerating by 8.02 percentage points [4]. - The bank's net interest income was 329.39 billion yuan, reflecting a 19.10% increase, while net fee and commission income reached 31.86 billion yuan, up 5.15% [4]. Industry Ranking - Jiangsu Bank improved its ranking to 56th in the 2025 Global Bank 1000 list published by The Banker, rising 10 places from the previous year, and ranked 162nd in the Fortune China 500 list, maintaining its position as the top city commercial bank in the country [4]. Loan Portfolio - The bank's loan balance reached 24.3 trillion yuan, with corporate loans at 16.25 trillion yuan (up 22.20%) and personal loans at 6.955 trillion yuan, which included an increase of 20.7 billion yuan [6][7]. Support for Key Industries - Jiangsu Bank has focused on supporting the manufacturing sector, with loans to manufacturing enterprises totaling 360.6 billion yuan, a growth of 18.90%, representing 22.20% of corporate loans [7]. - The bank has also engaged in technology finance initiatives, participating in the "Su Ke Loan" program and providing over 10,000 services to enterprises [8]. Green Finance Initiatives - The bank's green financing scale exceeded 720 billion yuan, a growth of 32.1%, with green assets accounting for over 16.4% of total assets, an increase of 1.4 percentage points [8]. Inclusive Finance - Jiangsu Bank has expanded its inclusive finance services, with micro-loan balances exceeding 750 billion yuan and inclusive micro-loans at 235.8 billion yuan, adding 25.3 billion yuan since the end of the previous year [9]. Consumer Finance Growth - The bank launched a consumption promotion initiative, resulting in 139,400 new consumer loan customers, 1.88 times the number from the previous year, with green consumer loans increasing by 36% [10]. Risk Management - The non-performing loan ratio improved to 0.84%, down from 0.89% at the end of the previous year, marking the best level since the bank's listing [11][12]. - The bank has upgraded its risk management system, enhancing its internal control mechanisms and expanding its risk management framework [12]. Market Recognition - Jiangsu Bank's stock price increased by 20.97% year-to-date, outperforming the banking sector, and it was included in the FTSE China A50 Index, becoming the only city commercial bank in this index [14][15]. - The bank's management has shown confidence in its future growth, completing a voluntary share buyback plan ahead of schedule [16].
江苏银行再交亮眼答卷,“三好学生”始终令人放心!江苏银行半年报出炉
Zhong Jin Zai Xian· 2025-08-22 10:59
8月22日晚间,江苏银行发布2025年半年报。今年上半年,该行实现营收448.64亿元,同比增长7.78%, 实现归母净利润202.38亿元,同比增长8.05%。年化ROE为15.64%,年化ROA为0.96%。不良贷款率 0.84%,拨备覆盖率331.02%。在同业竞争加剧、经营压力延续的行业大背景下,江苏银行以积极争做 执行政策、遵从监管和市场表现"三好学生"的实干实绩,再次交出一份亮眼的半年度"成绩单"。让我们 透过这份半年报中的几组数字关键词,解读该行高质量发展道路上的坚实步伐和核心密码。 营业收入448.64亿元,经营质态稳中有进 江苏银行半年报显示,截至2025年6月末,该行资产总额4.79万亿元,较上年末增长21.16%;各项存款 余额2.54万亿元,较上年末增长20.22%,各项贷款余额2.43万亿元,较上年末增长15.98%。上半年实现 营业收入448.64亿元,同比增长7.78%,实现归母净利润202.38亿元,同比增长8.05%。年化ROE达 15.64%,年化ROA达0.96%,经营质态持续稳居行业前列。 江苏银行这份半年度"成绩单"延续了一季度的稳健势头,业务发展划出了清晰的上升曲线 ...