小微企业是国民经济的"毛细血管"，承载着亿万市场主体的活力与韧性，也是稳就业、保民生、促创新 的重要基石。 普惠金融，润泽百业发展，是滴灌小微成长的源头活水。以"支持实体、服务中小"作为经营宗旨的宁波 银行（002142），始终将普惠金融置于全行发展战略的突出位置，以陪伴者的姿态、赋能者的角色、共 建者的视野，与万千小微企业并肩前行，助力实体经济高质量发展。 全周期护航小微企业发展壮大 长期以来，众多小微企业面临"轻资产、缺抵押"的融资梗阻，为了疏通这一堵点，宁波银行从小微企业 的实际经营场景出发，深入市场调研并创新推出"小微贷""容易贷""出口极贷""科创贷""订单贷"等一系 列纯信用信贷产品组合，打破传统信贷模式下对抵押物的过度依赖。 与此同时，该行还通过简化申请材料、落实专属优惠政策、推广无还本续贷等举措，切实降低小微企业 融资难度，让众多经营稳定的小微企业能够便捷地获得"源头活水"。 以财资大管家为例，作为国内资金管理标杆平台，财资大管家通过整合企业内部的财务系统、银行系统 以及其他相关系统，为企业提供跨银行、跨区域、跨分子公司的资金管理，极大地提升了资金使用效 率。 某新能源汽车运营服务商麾下拥有1 ...

突破传统信贷逻辑 特色产品精准滴灌 面对科技型企业"轻资产、重智产"导致的银行传统信贷"识别难、评价难、操作难、管理难"等问题，宁波银行以实际行动探索出了一条"不看砖头看专 利、不看抵押看创新"的助企融资新路径。 科技创新是驱动发展的核心引擎，是塑造新质生产力的根本源泉。而从技术萌芽到产业开花，这一过程始终离不开金融"活水"的精准浇灌。 作为金融"五篇大文章"之首，发展科技金融不仅是金融机构需要履行的社会责任，更是顺应产业变革、拥抱创新浪潮的战略选择。宁波银行主动融入时代 大势，持续完善科技金融服务体系，依托组织架构升级与生态体系建设，为科技企业提供全生命周期的综合金融服务，助力培育新质生产力。 今年上半年，宁波银行正式设立一级部门科技金融部，联动投行、授信等多板块形成服务合力，并在重点区域设立科技金融专营团队，配套"商行+投 行""融资+经营""企业+人才"的全方位服务，赋能科技企业高质量发展。 近年来，宁波银行持续打造并完善科技金融特色产品矩阵，形成专利贷、科技贷等多项专属产品，打破以企业收入、利润等传统财务数据为授信门槛的传 统模式，转而将技术专利、研发能力、人才储备、市场潜力等企业"软实力"作为核心评 ...

作为全国系统重要性银行、全球百强银行，宁波银行始终以"专业创造价值"为内核，以"真心对客 户好"为底色，在"十四五"时期国家金融改革发展的浪潮中，精准锚定科技金融、绿色金融、普惠金 融、养老金融、数字金融"五篇大文章"战略导向，以金融活水精准滴灌实体经济，用专业担当诠释国有 金融机构的社会责任，在服务国家战略、推动经济转型的实践中书写了高质量发展的亮眼答卷。 "十四五"时期是我国经济由高速增长阶段转向高质量发展阶段的关键时期，也是金融行业深化改 革、回归本源的攻坚阶段。五年来，宁波银行牢牢把握国家战略导向，将自身发展深度融入经济社会发 展大局，以差异化经营策略破解发展难题，以数字化转型赋能服务升级，实现了规模、效益与质量的协 同跃升。 尤其在2025年这一"十四五"收官关键节点，宁波银行银行经营业绩再创新高，核心经营指标持续领 跑行业：截至9月末，资产总额首次突破3.5万亿元大关，达35783.96亿元，较年初增长14.50%，彰显了 强劲的资产扩张能力与综合实力；前三季度实现归属于母公司股东的净利润224.45亿元，同比增长 8.39%，在复杂严峻的内外部经营环境下保持了稳健的盈利增长态势。 在规模稳步增长 ...

【文/羽扇观金工作室】 南海之滨，深圳这座以创新驱动闻名的城市正在经历新一轮的产业升级与转型。在国家明确提出做好科 技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"的背景下，各金融机构纷纷探索差异 化发展路径。 宁波银行深圳分行作为区域性商业银行的深圳布局，近年来围绕"专业化、数字化、综合化、国际化"的 发展方向，逐步构建起一套特色化服务体系，在服务本地企业和居民方面形成了一定的实践经验。 从该行的业务布局来看，其将"帮客户赚钱、帮客户省钱、帮客户管钱、帮客户找钱、帮员工拥有美好 生活"作为服务理念，试图在传统银行服务的基础上，延伸金融服务的边界。 科技金融：聚焦企业出海需求，搭建数字化服务平台 科技企业的发展离不开金融支持，尤其是在开拓海外市场的过程中，企业往往面临信息不对称、获客渠 道有限等挑战。针对这一痛点，宁波银行开发了企业综合服务平台"波波知了"，其中的"海外拓客助 手"功能整合了200多个国家的贸易数据资源，提供"查商品""查企业"等工具，帮助进出口企业获取潜在 客户信息和行业动态。 在此基础上，该行还推出了"AI外贸拓客"工具。据介绍，这一工具基于外贸业务数据训练，能够自动采 集海外 ...

普惠金融一头系着社会大众对美好生活的向往，一头连着国民经济发展大局，是金融服务实体经济 的"毛细血管"，更是推动共同富裕的重要纽带。中央金融工作会议明确将普惠金融列为"五篇大文章"之 一，凸显了其赋能实体经济的重要作用。 多年来，宁波银行坚守"金融为民"初心，以"真心对客户好"的服务理念，打破传统信贷边界，构建起了 多层次、立体化的普惠金融综合服务体系。从为小微企业量身定制信贷产品破解融资困局，到以数字化 工具优化企业经营管理，再到用开放化平台链接产业生态资源，宁波银行完成了从"资金输血"到"综合 赋能"的跨越，正书写着普惠金融的新篇章。 以"小微贷"为例，该产品依托大数据，整合企业纳税、水电费缴纳、交易流水等多维信息进行精准画 像，构建科学信用评价体系，替代传统抵押物成为授信核心依据。据了解，"小微贷"最高可提供300万 元信用额度，实现了快速审批、快速放款，极大提高了企业的融资效率。数据显示，仅2025年上半 年，"小微贷"就为超过2万家小微企业提供超380亿元的信贷支持，有效满足了小微企业的流动资金需 求。 浙江余姚某茶厂正是"小微贷"受益者之一，其主营粗制茶加工，年销售额逾500万元。正值春茶收购黄 ...

Group 1: Digital Transformation and Financial Services - Ningbo Bank leverages digital transformation to enhance financial services, enabling small businesses to apply for loans quickly and receive funds on the same day [2] - The bank has introduced a range of credit products tailored for small enterprises, addressing their unique financing challenges by reducing reliance on collateral [6][7] - A comprehensive financial service platform has been developed, integrating various functionalities to streamline processes for businesses [7] Group 2: Support for Technology and Innovation - Ningbo Bank has established industry funds to support technology-driven enterprises, facilitating their growth and development [3][4] - The bank's initiatives have led to the successful establishment of multiple industry funds, totaling 4.37 billion yuan, focusing on advanced sectors like robotics and high-end manufacturing [4][5] - A dedicated technology finance department is set to be established to provide lifecycle services for tech enterprises, enhancing support for innovation [5] Group 3: Green Finance Initiatives - The bank is actively promoting green finance by converting environmental benefits into financial value through data-driven solutions [8][9] - Services like "波波知了" have been introduced to help companies monitor energy consumption and improve efficiency, contributing to cost savings [8] - The bank has developed a green finance management system that incorporates ESG requirements into its credit management processes [9] Group 4: Commitment to Sustainable Development - Ningbo Bank is committed to investing 5% of its annual revenue into technology and digital product development, positioning itself as a leader among publicly listed banks [11] - The bank has implemented innovative financial solutions to assist businesses in optimizing their operations and reducing costs [11][12] - Ongoing efforts are focused on enhancing service delivery to meet the diverse needs of clients, thereby fostering sustainable economic growth [12]

Group 1 - The establishment of the first data asset service association in Zhejiang Province marks a significant step towards innovation in data asset applications, with Ningbo Bank's Jiaxing branch as a founding member [1] - Ningbo Bank is actively responding to Jiaxing's digital economy initiatives, enhancing digital financial services to empower the real economy and stimulate transformation [1] Group 2 - Ningbo Bank is leveraging financial technology to address digitalization challenges faced by enterprises, enhancing systems like "Financial Asset Manager" to improve efficiency in fund management [3] - The "Financial Asset Manager" has unified the management of 45 subsidiary accounts for a logistics company, significantly improving internal approval efficiency and helping nearly 300 enterprises in Jiaxing [3] Group 3 - In response to increasing market competition, Ningbo Bank is innovating service models to support private enterprises, launching platforms like "Bobo Zhiliao" and "Equipment Home" to provide value-added services [4] - "Bobo Zhiliao" offers over 20 professional services to help enterprises expand sales channels and reduce costs, serving nearly 5,000 companies in Jiaxing [6] - "Equipment Home" facilitates a comprehensive ecosystem for equipment transactions, with over 200,000 registered users nationwide and 38 billion yuan in equipment transactions [6] Group 4 - Ningbo Bank is building an "AI + Finance" digital ecosystem, engaging local entrepreneurs in exploring AI applications in business [8] - The bank is conducting workshops on AI's impact on various business processes, serving nearly 200 enterprises and fostering connections between businesses and technological advancements [10] - The bank aims to continue driving digital financial initiatives to support various industries in navigating the digital transformation wave [10]

Core Viewpoint - Ningbo Bank's Shaoxing branch has been recognized as the "Most Satisfied Bank for Private Enterprises" in Zhejiang Province, reflecting its commitment to supporting the development of private enterprises through innovative financial services and a robust service system [1] Group 1: Financial Support for Private Enterprises - Ningbo Bank's Shaoxing branch focuses on the needs of private enterprises, integrating various service models to enhance service quality and support high-quality development [1] - The branch has implemented the "1+7 Work Plan" to direct financial resources towards advanced manufacturing and industrial upgrades, aiding the transformation of private enterprises towards high-end, intelligent, and digital directions [2] Group 2: Innovation in Financial Products - The bank has developed specialized products like "patent loans" to support technology-driven enterprises, with a loan balance for technology enterprises reaching 4.624 billion yuan by March 2025 [2] - A variety of green financial products have been introduced, including carbon emission quota pledge loans and pollution rights mortgage loans, with green loan balances increasing to 1.749 billion yuan, a growth of 16.42% [4] Group 3: Support for Small and Micro Enterprises - The bank has allocated 8.824 billion yuan in loans to small and micro enterprises, emphasizing tailored financial services that align with local industry characteristics [7] - The implementation of a no-repayment renewal policy has eased the repayment pressure on small enterprises, enhancing their financing efficiency [7] Group 4: Development of Pension Financial Products - The bank has launched various pension products, with 9,264 personal pension accounts opened in the Shaoxing region by March 2025 [8] - Efforts to improve digital services for the elderly include the development of an elderly-friendly version of the bank's app and the adaptation of smart devices in branches [8] Group 5: Digital Financial Services - The bank has embraced digital finance, launching over 60 digital systems to provide efficient and intelligent financial services to private enterprises [9] - The "Kuanpeng Treasury" and "Financial Management Expert" platforms have been developed to support global fund management for enterprises [9] Group 6: Comprehensive Value-Added Services - The bank has created platforms like "Bobo Zhiliao" to offer comprehensive services for enterprises, including procurement and operational support [10] - A one-stop overseas service platform has been established to assist enterprises in expanding into international markets, providing a range of services from company registration to tax planning [10] Group 7: Commitment to High-Quality Development - Ningbo Bank's Shaoxing branch aims to continue enhancing its services through professional, digital, platform-based, and international approaches to support the high-quality development of the real economy [11]

Core Viewpoint - Domestic city commercial banks are facing survival challenges due to the dual impact of interest rate marketization and intensified competition, but some have successfully differentiated themselves through innovative products and strategies [1][2]. Group 1: Characteristics of Leading City Commercial Banks - The five city commercial banks identified as the most distinctive by DeepSeek include Ningbo Bank, Dalian Bank, Jiujiang Bank, Jiangsu Bank, and Zhejiang Chouzhou Bank, each leveraging unique advantages to stand out in the industry [1][2]. - Ningbo Bank has achieved significant success in inclusive finance, with its inclusive small and micro loan balance reaching 219.941 billion yuan by the end of 2024, serving over 270,000 clients with a non-performing loan ratio of only 1.70%, significantly better than the industry average [2][3]. Group 2: Regional Economic Support - City commercial banks are deeply integrated with regional economic development, providing essential services that stimulate local economies and support structural optimization [2][5]. - Jiujiang Bank has focused on rural revitalization, offering customized financial services based on local agricultural products, such as the "Tea Fragrance Loan" which provided 13 million yuan to 33 enterprises and individuals in the tea industry [4]. Group 3: Technological Innovation and Financial Services - Technological innovation is crucial for city commercial banks, enabling them to restructure service models and product systems while enhancing risk management capabilities [5][6]. - Ningbo Bank's "Bobo Zhiliao" platform exemplifies a comprehensive service platform that addresses the full lifecycle needs of enterprises, offering services in legal, tax, and accounting areas [5][6]. - Jiangsu Bank has developed the "Smart Xiao Su" language model for risk control, improving efficiency and accuracy in risk management with over 4,000 applicable rules [6]. Group 4: Future Outlook - The selected city commercial banks are expected to leverage their unique advantages to further align with regional economic development, transitioning from homogeneous competition to a diverse and flourishing stage [7].

Core Insights - The financial industry is undergoing unprecedented digital and intelligent transformation driven by global technological trends, with fintech reshaping financial services and enhancing efficiency [1] - China's policy support for fintech has increased from the "Fintech Development Plan (2019-2021)" to the "Fintech Development Plan (2022-2025)", focusing on application services in risk management, product services, and channel operations [1] Group 1: Enhancing Service Experience - The combination of scenario finance and data assets allows banks to analyze customer consumption habits and preferences, providing precise marketing and risk management support [2] - The "Fintech Development Plan (2022-2025)" emphasizes strengthening data capabilities while ensuring security and privacy, promoting orderly data sharing and comprehensive application [2] - Financial institutions are shifting their focus to customer-centric data analysis, creating a positive cycle of "data-scenario-service" to enhance service precision and customer satisfaction [3] Group 2: Improving Service Efficiency - Financial technology enables small and medium-sized banks to not only upgrade technology but also restructure production relationships and productivity [4] - The application system construction for banks is not just about upgrading single systems but also about updating service methods to meet customer needs [4] - There is a need for small and regional banks to enhance their operational capabilities through team deployment and collaborative construction, creating an "ecological mobile banking" model [4] Group 3: Releasing New Cooperation Dynamics - The development of fintech in China presents new opportunities and challenges for global financial cooperation, with technology going abroad and cross-border finance being key pathways [6] - Financial technology capabilities are being exported to support overseas banks and new digital banks established by domestic capital [6] - As cross-border e-commerce and digital trade grow, cross-border financial institutions are restructuring their product capabilities, moving from simple settlement to comprehensive financial service platforms [6]