中国工业报 ▲ 来源：摄图网 ■ 刘 颖 胡泽钜 制造业作为实体经济的核心支柱，是国家培育新质生产力、实现新型工业化的关键领域。然而，在当前复杂多变的国内外环境下，我国制造业发展仍面临 长期资金缺口大、中小企业融资难等结构性困境。 党的二十大以来，为积极贯彻党中央关于服务实体经济发展的金融工作战略部署，各地积极探索金融 支持制造业的有效模式。在此背景下，优化金融服务制造业发展的路径具有重要意义。 破解制造业融资梗阻的区域协同实践样本 近年来，为积极贯彻党中央关于服务实体经济发展的金融工作战略部署，多地锚定制造业这一实体经济根基，因地制宜开展金融服务模式创新探索，通过 差异化金融工具组合与区域特色实践，构建起多元协同的金融生态体系，为制造业高质量发展注入强劲动能。 以长三角构建产业链金融生态圈，强链固链提韧性的实践为例。近年来，长三角地区依托较完备的制造业产业链体系，以供应链金融为核心抓手，着力构 建"核心企业－金融机构－上下游企业"三位一体的产业链金融生态圈。长三角充分发挥上海国际金融中心辐射效应，联动苏浙皖产业集群优势，协同建设 区域级产业链金融服务平台。区域内集聚了26个国家级先进制造业集群，占全国总数的 ...

行业主要上市公司：怡亚通(002183.SZ)、联易融(09959.HK)、浙江东方(600120.SH)、飞马国际 (002210.SZ)、中信证券(600030.SH)、生意宝(002095.SZ)、中科金财(002657.SZ)等 供应链金融产品类型多样 转自：前瞻产业研究院 中国供应链金融核心产品包括应收账款融资盘活企业债权，预付账款融资支持采购周转，存货仓单质押 实现动产变现，保理业务涵盖正向与反向模式转移信用风险，订单融资基于合同预付款缓解资金压力， 动态池融资优化多笔账款管理，资产证券化转化供应链资产为流动性工具，本质围绕企业流动资产提供 多元化融资解决方案。 保理类产品包括有权追索和租赁保理 如今，供应链金融对市场经济的发展起到促进作用，其实质是帮助企业盘活流动资产，即应收、预付和 存货。因此通常将产品分为四类：应收类、预付类、存货类以及其他。是指资金方(银行或商业保理公 司等)与融资方签署保理合同，融资方将其在国内采用赊销方式完成商品销售或提供服务所形成的应收 账款转让给资金方，并由资金方为其提供融资、应收账款管理，账款催收和坏账担保等综合性金融服 务。保理产品种类繁多，现选择以下两种保理业 ...

Group 1 - The importance of optimizing asset structure and managing liabilities for companies seeking financial support in Wuhan is emphasized [2][4] - Companies should prepare clear documentation such as real estate proof, equipment lists, and order contracts to facilitate loan evaluations by local lenders [2] - Different types of loans available in Wuhan are outlined, including mortgage business loans for fixed asset purchases and credit loans for daily operational funds [2] Group 2 - Personal credit optimization is highlighted as a straightforward process, focusing on timely bill payments and reducing debt ratios [4] - Companies are encouraged to utilize local resources for personalized guidance on improving credit scores and accessing financial products [4] - The strategy of comparing multiple local financial institutions to find low-interest or flexible repayment options is recommended [4][6] Group 3 - A toolkit of strategies for effective financial management in Wuhan is presented, including credit optimization and smart debt management [6] - The proactive approach to engaging with local loan companies is suggested to ensure better financing terms and conditions [6] - Continuous practice of these strategies is expected to enhance confidence in future financial planning [6]

中经记者 郝亚娟 夏欣 上海 北京报道 在汽车价格战愈演愈烈、经销商利润被压缩的背景下，"反内卷"成为行业共识。此前，多地叫停银行车 贷"高息高返"，汽车金融生态正在经历深刻调整。 近日，全国工商联汽车经销商商会在安徽合肥举办中国汽车流通行业大会期间，组织召开"汽车经销行 业高质量发展"座谈会，行业代表呼吁主管部门督促金融机构落实好国家出台的相关政策措施，对能够 正常经营的企业不要压贷、抽贷、断贷，优化服务政策，简化审批流程，丰富汽车金融产品供给，规范 保险市场秩序，全力支持汽车经销行业健康可持续发展。 上海经邑产业数智研究院副院长沈佳庆在接受《中国经营报》记者采访时指出，金融机构要承担起价值 共创者的角色，既是受益者也是推动者。一方面，需通过改进产品设计重建消费者信任；另一方面，要 针对行业痛点开发新的工具，解决实际问题，例如优化库存融资、丰富新能源车专属金融产品等，真正 赋能产业链发展。 不能"一刀切" 在"汽车经销行业高质量发展"座谈会上，中国人民银行信贷市场司和金融监管总局财险司、普惠司相关 业务负责同志表示，金融部门正密切关注汽车经销行业存在的相关问题，后续将结合国家促消费、汽车 以旧换新等政策导向 ...

Core Insights - The third China International Supply Chain Promotion Expo opened on July 16 in Beijing, with Bank of Communications supporting the event as an "official partner" for the third time, emphasizing its commitment to providing comprehensive financial services to enhance the safety, health, and efficiency of supply chains [1] - The bank showcased its initiatives and achievements in key areas such as supply chain finance and cross-border finance through a thematic exhibition titled "Connecting Industries through Chains" [1] - The bank focuses on six major chains: advanced manufacturing, clean energy, smart automobiles, digital technology, healthy living, and green agriculture, promoting specialized financial solutions [1] Product Strengthening - The bank has developed a comprehensive product system that includes basic, online, and instant financing products, covering accounts receivable financing, prepayment financing, order financing, and inventory financing [2] - Technological empowerment through open banking and agile project mechanisms has enhanced the online and convenient capabilities of supply chain finance, leading to the creation of a "five-second" financing product system [2] Ecosystem Expansion - The bank is enhancing digital empowerment and actively engaging in platform-based ecological cooperation, integrating information flow, logistics, and capital flow to improve service efficiency across the supply chain [2] - Collaboration with third-party information service providers is being leveraged to optimize the connection between funding and asset sides, extending the range of supply chain financial services [2] Service Optimization - The bank is focusing on key industries such as electric power, biomedicine, new energy vehicles, communication equipment, and high-end equipment, offering customized financial service solutions to enhance market competitiveness and promote industrial upgrades [2] Commitment to Economic Development - The bank remains committed to delivering precise financial services to the real economy, supporting the construction of a modern industrial system and the high-quality development of the real economy in China [3]

Core Viewpoint - The article discusses the challenges faced by Chongqing Fumin Bank, a private bank in China, including declining performance growth and issues related to related-party transactions, particularly in light of recent events involving its major shareholder, Hanhua Jinkong [3][10]. Group 1: Company Overview - Chongqing Fumin Bank was established in August 2016 and is one of the first pilot private banks in China, focusing on serving local economies and small to medium-sized enterprises [3][4]. - The bank's initial shareholders represent three major industry clusters: inclusive finance, advanced manufacturing, and life health [3]. Group 2: Financial Performance - As of the end of 2024, Chongqing Fumin Bank's total assets reached 62.294 billion yuan, a 3.10% increase from the end of 2023 [5]. - The bank reported a revenue of 2.098 billion yuan in 2024, up 3.56% year-on-year, but the growth rate decreased by 2.68 percentage points compared to 2023 [15]. - Net profit for 2024 was 416 million yuan, reflecting a 1.90% increase, but the growth rate fell by 20.92 percentage points from the previous year [15]. Group 3: Operational Challenges - The bank's interest income reached 2.1 billion yuan, a 1.23% increase, while investment income surged by 78.76% to 294 million yuan [16]. - However, the bank faced a loss of 325 million yuan in fees and commissions, which increased by 33.00% year-on-year, indicating a structural imbalance in its business [16]. - The bank's loan balance was 39.991 billion yuan at the end of 2024, a decrease of 5.81% from the previous year, with a non-performing loan ratio of 1.44%, slightly up from the end of 2023 [17]. Group 4: Governance and Management Changes - Recent events involving former chairman Zhang Guoxiang, who was taken into custody, have raised concerns about governance and related-party transactions at the bank [6][10]. - Following Zhang's resignation in August 2024, Zhao Weixing, the new president, has been acting as chairman, exceeding the allowed interim period for such roles [13]. - The bank underwent significant management changes in 2024, with five out of eleven board members leaving, including the former chairman and president [13][14]. Group 5: Regulatory Issues - Chongqing Fumin Bank has faced multiple penalties for related-party transactions, including a fine of 8.5 million yuan in 2021 for unfair pricing and improper loan practices [10][11]. - As of the end of 2024, the bank's related-party credit transactions amounted to 959 million yuan, with significant exposure to individual related parties [11].

Group 1 - The core initiative is the "Thousand Enterprises and Ten Thousand Households Visit" campaign launched in Futian District to enhance financial services for small and micro enterprises, addressing their financing difficulties [1] - Since the campaign's launch in October 2024, the financial service team has visited 25,000 enterprises, granting credit to 7,200 of them, with a total credit amount of 75 billion yuan and loans exceeding 31 billion yuan [1] Group 2 - Customized financial service solutions have been developed to address specific financing challenges faced by enterprises, such as a company with 12 core patents that required 10 million yuan for expanding its experimental base [3] - The China Construction Bank Shenzhen Branch introduced a targeted "Shanxin Loan + Technology e-loan" combination to meet the financing needs of a technology enterprise [3] - The招商银行福田支行 service team matched a rapidly growing LED technology company with the "Zhaoqi Loan" product, providing timely financial support based on its operational data and tax records [3] Group 3 - The Jiangsu Bank Futian Branch established a green approval channel and innovative credit assessment system to optimize financing services for technology enterprises, reducing approval time by 30% for a 10 million yuan loan [4] - A rapid response mechanism was created by Ningbo Bank Shenzhen Branch, allowing a high-end chip trading company to receive a 10 million yuan credit approval within two weeks, significantly improving financing efficiency [4][5] - The financial service team plans to deepen cooperation between government, banks, and enterprises, establishing a regular visiting mechanism to create a comprehensive financial service system for the high-quality development of the real economy in Futian District [5]

Group 1 - The Ministry of Industry and Information Technology has launched a pilot program for the industrialization of high-tech achievements, focusing on advanced manufacturing and new materials [1] - The program aims to enhance the connection between industry supply and demand, invigorate innovation, and optimize industrialization services, leveraging resources such as talent, funding, and policies [1] - The pilot program categorizes applicants into three types: industrialization implementation units, third-party service units, and financial service units [1] Group 2 - Financial institutions are expected to play a dual role in direct and indirect financing, addressing bottlenecks in the technology innovation and industrialization process [2] - The program emphasizes the need for financial service units to design targeted financial products and integrate financial resources to empower enterprises [2] - Knowledge property pledge financing is increasingly recognized as a solution to the financing challenges faced by technology-based SMEs, combining it with order financing to alleviate financial pressure [2] Group 3 - Financial institutions are encouraged to provide diverse funding support for high-tech enterprises and original innovation projects, moving away from traditional collateral reliance [3] - A collaborative framework of "capital + technology + system" is proposed to link technology research and capital exit, accelerating the transformation of technological achievements [3]

Group 1 - Postal Savings Bank of China (PSBC) achieved a significant breakthrough in supply chain finance by successfully implementing the first logistics scene脱核 "U factoring" financing business in the country, based on the logistics cost settlement scenario between a core enterprise and its upstream carriers [2] - The innovative use of historical transaction data for credit approval allows enterprises to obtain loans without collateral, significantly speeding up the loan disbursement process, which is particularly beneficial for small and micro enterprises facing limited financing channels [2] - The new financing model has been recognized by core enterprises, as it does not occupy the credit limit of PSBC and does not require additional guarantee agreements, thus helping upstream enterprises solve funding issues while reducing cooperation costs [2] Group 2 - The trend of online and脱核 supply chain finance is becoming a key development direction in the industry, with PSBC transforming core enterprises from traditional "guarantors" to "data providers," thereby maximizing the value of core enterprise credit resources [3] - PSBC aims to strengthen the supply chain by investing in financial technology to support the digital transformation of industries, contributing to the optimization and high-quality development of the real economy [3]

Core Insights - The article highlights the financial support provided to the tea industry in Anhui Xuancheng, focusing on the implementation of the "Rural Industry Revitalization and Common Development Plan" by the People's Bank of China Xuancheng branch [1] - The integration of finance with the tea industry and culture aims to enhance the overall development of the tea sector, transforming it into a lifestyle choice [1] Financial Support Initiatives - The Ma'anshan Rural Commercial Bank Guangde Branch has introduced a "Tea Industry Full Chain Financial Plan," offering a product matrix of "short-term turnover + long-term support" to address funding gaps for tea farmers and enterprises [2] - The bank provides low-interest loans to tea farmers and long-term loans of up to 5 years for tea companies, facilitating modern factory construction and equipment upgrades [2] Impact on Local Economy - The financial support has enabled local enterprises like Jitong Tea Development Co., Ltd. to expand production, resulting in increased refined tea output and enhanced product competitiveness [2] - The collaboration between the bank and Jitong Tea has also included promotional efforts, such as a video showcasing the tea production process, which has helped elevate the brand's visibility [2] Employment and Community Development - The growth of Jitong Tea has led to the creation of over 50 jobs for tea pickers and 20 for processing workers, contributing to local employment and increasing annual income for surrounding villagers by 10,000 yuan per person [3] - The implementation of organic planting and ecological maintenance practices has fostered a close connection between enterprises, farmers, and production bases, promoting sustainable development [3] Financial Metrics - As of April 2025, the loan balance for agricultural projects at the Ma'anshan Rural Commercial Bank Guangde Branch is expected to exceed 790 million yuan, supporting over 10 tea enterprises and farmers [3] - The bank's support has been crucial for the development of regional brands like "Guangde Golden Bud" and "Jishan Bamboo Sea Tea" [3]