今年是"十四五"规划收官之年，是贯彻党的二十届三中全会精神的重要一年。为落实山东金融监管局有关工作要求，更好展示城商行秉承高质量发展理念， 坚守职能定位，深入做好金融"五篇大文章"的新亮点、新成效，山东省银行业协会组织开展了"山东银行业城商行新闻媒体一线行"宣传活动。近日，宣传活 动走进潍坊银行。 潍坊银行成立于1997年8月，2018年完成股权结构优化，是潍坊市规模最大的地方国有法人银行。现有员工3100余人，共有134处营业网点，控股设立青岛西 海岸海汇村镇银行，营业机构覆盖潍坊各县市区和青岛、烟台、临沂、滨州、聊城等地市。近年来，潍坊银行聚焦做好金融"五篇大文章"，坚守"服务城乡 居民、服务中小企业、服务地方经济"的市场定位，盯紧"保安全、保盈利，提质量、提效益"的"双保双提"目标，突出"调结构、控风险、强合规、降成本、 扩客群、增效益、创品牌"七项重点工作，严格落实各项监管要求，凝心聚力，真抓实干，扎实推进高质量发展，着力打造客户满意、监管认同、党委政府 信任的高质量发展的标杆银行。截至8月末，资产总额达到3320亿元，存款2655亿元，贷款1930亿元，分别比年初增长9.2%、12.1%、11.7% ...

Core Insights - The introduction of "Quality Loan" in Shaoguan City, Guangdong Province, allows companies to secure financing based on quality data, with a total of 8 million yuan successfully granted to two companies [1][2] - The initiative aims to integrate quality elements such as quality credit, management, brand, and innovation into a financing enhancement system, transforming quality "soft power" into "hard assets" for loan approvals [1][3] Group 1: Quality Financing Initiatives - The "Quality Loan" program utilizes a tailored credit approach for enterprises, focusing on their quality management and brand reputation as key factors for financing [1][2] - A meeting was held to discuss incorporating quality brand honors into financial institutions' credit evaluation systems, emphasizing the importance of these factors in loan approvals [2][3] Group 2: Collaboration and Development - A collaborative platform involving government, banks, and enterprises was established to enhance the effectiveness of quality financing initiatives, with discussions on supporting benchmark enterprises and quality talent [2] - The development of a dedicated quality financing service plan, including the "Yue Quality Loan - Shao Quality Financing" product, aims to provide financial incentives for companies recognized for their quality achievements [2][3] Group 3: Dynamic Directory and Promotion - A dynamic directory of enterprises with quality honors will be created to guide financial institutions in analyzing and adjusting quality loan products based on the companies' needs [3] - Efforts will be made to expand the awareness of quality financing policies through multi-channel promotion, enhancing the accessibility of financing for enterprises [3]

Group 1 - The "Quality Loan" is a specialized financial service scheme launched by Shanghai Rural Commercial Bank in collaboration with various market supervision authorities, aimed at enterprises with quality honors or certifications [1][4] - The scheme incorporates non-financial indicators such as corporate quality credit, brand value, and quality standards into the financial credit evaluation system, allowing for a maximum credit limit of up to 500 million yuan [1] - The bank has implemented the "Quality Loan" in 14 branches since its launch in 2023, introducing several regional sub-schemes tailored to local enterprises [1][2] Group 2 - Shanghai YWS Technology Co., Ltd. received the "Hongkou District Quality Award" and benefited from the "Quality Standard Loan" to alleviate funding pressures for continuous R&D [2] - The bank aims to transform quality "soft power" into "hard support" for high-quality development of the real economy by promoting a financing ecosystem that covers quality honors, standard innovation, and brand certification [2] - By June 2025, the bank had disbursed over 2.5 billion yuan in quality financing, ranking among the top in the city, with outreach to over 2,000 quality-honored enterprises [4]

Core Viewpoint - The National Market Supervision Administration has issued a notice to enhance quality financing and credit enhancement efforts to better support small and micro enterprises in pursuing quality and efficiency-driven development [1] Group 1: Quality Financing and Credit Enhancement - Banks are actively exploring the integration of quality financing and credit enhancement elements to develop relevant products and services, enhancing precise connections between banks and enterprises [1][2] - The quality financing and credit enhancement factors include capabilities and qualifications in quality credit, quality management, quality branding, quality foundation, and quality innovation [2] - Banks are establishing a multi-dimensional comprehensive evaluation system based on these factors, incorporating them into credit evaluation and risk management models [2] Group 2: Product Development and Services - For instance, Bank of China Shenzhen Branch launched the "Shenzhen Quality Loan" product, providing up to 5 million yuan in pure credit loans for enterprises with good quality credit [2] - Agricultural Bank of China Xiamen Branch introduced the "Luzhi Loan" product, with a maximum credit limit of 5 million yuan, emphasizing a full-process convenient service system for enterprises [2][3] Group 3: Information Sharing and Precision Matching - The banking sector is working with local market regulatory departments to establish a quality financing and credit enhancement information sharing mechanism [4] - Banks utilize local financing credit service platforms to achieve data interconnectivity and information sharing regarding enterprise quality credit and management [4] Group 4: Process Optimization and Efficiency - Banks are leveraging big data and artificial intelligence to innovate business processes, establishing automated credit approval systems to enhance efficiency and reduce loan approval times [5] - The industry is encouraged to build a "government-bank-enterprise" data hub platform to break down data barriers and create comprehensive enterprise quality credit profiles [5]

上海市市场监督管理局印发《上海市市场监管部门聚焦提升企业感受 持续打造国际一流营商环境行动 方案》。其中提到，探索增值服务改革。深化质量融资增信服务，推动银行机构研发更多质量融资增信 金融产品。推动质量贷等产品纳入本市融资担保和风险补偿相关政策范围，更好惠及质量效益型企业。 ...

Core Viewpoint - The collaboration between the Fuxin Market Supervision Administration and Postal Savings Bank aims to enhance financing for enterprises through the "Billion Loan Delivery" initiative, providing significant financial support to various industries in Fuxin City [1][2]. Group 1: Financing Initiatives - The "Billion Loan Delivery" initiative has provided 279 million yuan in loans in the first quarter, benefiting 1,177 business entities across sectors such as commerce, agricultural processing, and technology innovation [1]. - The initiative is part of a strategic cooperation plan aimed at establishing a long-term mechanism for financial services that encourages lending to small and micro enterprises [2]. Group 2: Financial Products and Services - Postal Savings Bank has introduced various financial products tailored to the needs of small and micro enterprises, including "Fast Loan," "Mortgage Loan," "Flow Loan," and "Quality Loan," while also promoting first-time and credit loans [2]. - The initiative includes online financing services, allowing businesses to apply for loans through a digital platform, enhancing accessibility and efficiency [2][3]. Group 3: Community Engagement and Support - The Fuxin Market Supervision Administration has organized themed activities such as "Loan Delivery to Parks" and "Loan Support for Entrepreneurship" to stimulate local economic development and support rural revitalization [3]. - The administration has utilized big data to identify businesses in need of financing, providing targeted information to the Postal Savings Bank to facilitate loan approvals [2].