该行积极推进内部经营机制转换，打造服务科创企业主体的"六专"机制，加快构建与科创型企业相适应 的信贷准入、信贷审批、风险管理、风险分担机制，实施专门的内部资金成本核算方法，优化科创金融 业务流程，为科创企业提供全流程信贷支持。截至2024年末，郑州银行累计支持各类科创企业4991家。 绿色金融方面，郑州银行先后制定《绿色银行信贷战略》《关于加大绿色信贷投放支持绿色发展的实施 方案》，成立绿色金融工作领导小组，对全行绿色金融工作进行统一组织和领导。截至2024年末，该行 绿色信贷业务余额 91.46 亿元，同比增长 123.73%。 来源：环球网 近年来，郑州银行将服务实体经济作为初心使命，聚焦"两高四着力"，以"科技金融、绿色金融、普惠 金融、养老金融、数字金融"五篇大文章为主线，创新构建"特色化、差异化、专业化"金融服务体系， 赋能区域经济转型升级和高质量发展，服务现代化河南建设大局。 科技金融方面，郑州银行新挂牌4家科技特色支行，配置专业团队，大力支持中小企业和青年人才创新 创业，并与相关基金探索协同联动合作模式，与嵩山实验室共同探索"银研联动"模式，与"郑好融"平台 合作，成为首批"郑科贷"业务合作金融 ...

Core Viewpoint - Zhengzhou Bank is committed to serving the local economy and supporting private enterprises, with a focus on enhancing financial services to empower the development of the real economy, as evidenced by an increase in private enterprise loan accounts to 70,287, up by 1,644 year-on-year by the end of December 2024 [1] Group 1: Strategic Focus - Zhengzhou Bank integrates its development into the local economic framework, aligning with regional strategic planning to address the financial needs of the real economy and improve the welfare of residents [2] - The bank has expanded its coordination mechanism for real estate financing, supporting 40 "white list" projects across 11 cities to meet reasonable financing demands in the real estate sector [2] - The bank emphasizes the "five major articles" of finance, enhancing management through a checklist approach to support key projects like the Zhongyuan Science and Technology City Intelligent Technology Industrial Park [2] Group 2: Support for Small and Micro Enterprises - To better empower the development of small and micro enterprises, Zhengzhou Bank established a financing coordination mechanism led by its chairman, ensuring effective communication and implementation of support measures [3] - The bank has launched 12 financial products, including various loans tailored for small and micro enterprises, and streamlined approval processes to ensure timely access to financing [3] Group 3: Innovation in Technology Finance - Zhengzhou Bank focuses on technology finance as a key driver for high-quality economic development, offering customized financial products for tech enterprises and research institutions [4] - The bank has introduced innovative products such as "R&D Loans" and established a "Investment-Loan Linkage" business model to support technology-driven companies [4] - A comprehensive evaluation system for technology innovation capabilities has been developed to assist in identifying and assessing tech enterprises [4] Group 4: Digital Transformation - Zhengzhou Bank is committed to digital transformation, prioritizing customer experience and operational efficiency, and leveraging technology to enhance business management [5] - Strategic partnerships with companies like Huawei and Zhenghao Rong Credit Service aim to foster digital innovation in banking services [5]

此外，信用消费产品商家白条能以分期免息、费率优惠、分期满减等服务，帮助商家精准高效地获客， 利用营销杠杆提升商家销售额。 京东618临近，商家开始火热备战。京东供应链金融科技重磅推出"百亿计划"618特别版，为商家资金保 驾护航。 "百亿计划"618特别版覆盖京保贝、京小贷、货押贷、订货贷、商家白条五大产品，提供百亿元专项提 额、数千万元息费补贴，并有专属利率优惠，助力商家迎战年中消费热潮。 在京东618期间，京东自营供应商备货需求激增，亟需资金护航。为此，"京保贝"将提供30亿元专项提 额、3000万元息费补贴。针对新客，京保贝还提供低至4.2%的首贷年化利率，较往年京东618更低。此 外，京保贝的直保理产品年化利率低至3%以下，以更低的融资成本助力供应商轻松备战京东618。 针对京东POP商家，"京小贷"通过信用贷款与提前收款结合的模式，助力商家以无抵押融资补充经营资 金，实现发货即回款。新客年化利率6%起，老客享4折优惠。5月21日至6月20日热卖期，提前收款板块 还将提供给商家整单免息券，进一步降低融资成本。 商家采购货物后，如何盘活库存资金？"货押贷"可帮助商家利用存货抵押融资，已经覆盖超过1亿可质 ...

Core Viewpoint - The article emphasizes the importance of financial services in supporting national strategies and high-quality economic development, highlighting Zhengzhou Bank's commitment to five key areas: technology, green finance, inclusive finance, pension finance, and digital finance [1] Group 1: Technology Finance - Zhengzhou Bank has established a strategic focus on technology finance, with a policy-driven loan balance of 48.269 billion yuan in 2024, reflecting a growth rate of 44.50% [2] - The bank aims to create a comprehensive financial service system that covers the entire lifecycle of technology enterprises, particularly in innovation hubs like Zhengzhou High-tech Zone and Central Plains Science City [2] - Innovative products such as "Talent e-loan" and "Intellectual Property Pledge Loan" are designed to facilitate the transformation of technological achievements into industrial applications [2] Group 2: Green Finance - Zhengzhou Bank is actively implementing the national green development strategy, with a green finance loan balance of 9.146 billion yuan in 2024, showing a significant increase of 123.73% [3] - The bank issued 2 billion yuan in special green financial bonds, targeting six core areas including energy conservation and pollution prevention [3] - Collaborative efforts with government and research institutions have led to the establishment of a green technology assessment platform, supporting key green projects like new energy vehicles [3] Group 3: Inclusive Finance - Zhengzhou Bank focuses on small and micro enterprises, offering products like "Order Loan" and "Enterprise Procurement Loan" to enhance financing efficiency [4][5] - The bank has optimized traditional products like "Housing e-loan" to simplify approval processes and improve loan accessibility for small businesses [5] - Efforts to support rural revitalization include expanding service channels and introducing tailored loan products for agricultural needs [5] Group 4: Pension Finance - The bank has formed a dedicated team to enhance pension financial services, aligning with national policies on aging [6] - It prioritizes credit funding for pension industry projects and offers specialized financial products for elderly clients [6] - Collaboration with social security departments aims to streamline pension distribution processes and provide comprehensive financial services for seniors [6] Group 5: Digital Finance - Zhengzhou Bank is embracing financial technology, launching online products like "Zheng e-loan" to streamline the loan process [7] - Strategic partnerships with tech companies, including Huawei, focus on digital transformation and enhancing operational efficiency [7] - The bank is committed to expanding its technological collaborations to drive digital development [7]