回眸"十四五"，之江潮涌连天阔。 向新而行，科创动能澎湃不息，新质生产力拔节生长； 向海而拓，外贸增长曲线逆风上扬，外向型经济韧性彰显。 在这波澜壮阔的征程中，农行浙江省分行始终与时代同频、与浙江共进，以金融"活水"精准浇灌每一寸发展热土，用实干与担当书写 了一份沉甸甸的"十四五"答卷。截至11月末，该行存贷款总量4.8万亿元，连续多年领跑同业，"十四五"期间贷款净增1.2万亿元，实现 翻番，连续15年被评为"支持浙江经济社会发展一等奖"。 滴灌科创沃土，激发新质生产力澎湃动能 "十四五"期间，浙江科技能级不断跃升，区域创新能力连续4年保持全国第四，研发投入强度也从2020年的2.77%提升到2024年的 3.22%，再创新高。 这片科创沃土生机勃发的背后，离不开金融"活水"的精准滴灌。扎根于此的农行浙江省分行发挥国有银行"头雁"担当，紧扣省委、省 政府战略部署和浙江产业发展脉络，明确打造"服务'创新浙江'示范行"特色定位，因时顺势出台一系列服务科技金融意见方案，今年更 是以一号文件印发指导意见，通过"投、贷、债、租、汇、链"协同发力，为科技企业提供全方位、全周期的综合金融支持。 面对科技型企业不同成长阶段的 ...

Core Viewpoint - The private economy is a vital force in promoting Chinese-style modernization and is a significant foundation for high-quality development, with a broad and promising future ahead [1] Group 1: Financial Support for Private Enterprises - Suzhou has established a financing support system for private enterprises throughout their lifecycle by integrating resources from the government, banks, and businesses [1] - As of April 2025, the loan balance for private enterprises at Suzhou Industrial and Commercial Bank exceeded 170 billion yuan, with over 35,000 private economic entities benefiting from credit resources [1] - The bank has implemented various measures to enhance financial services for private enterprises, aiming to stimulate their vitality and creativity [1][2] Group 2: Addressing Financing Challenges for Small and Micro Enterprises - Small and micro enterprises face common challenges such as difficulty in obtaining financing, high costs, and slow processes [1] - Suzhou has created a coordination mechanism at both city and county levels to address financing issues, focusing on first loans, credit loans, and non-repayment renewals [1] - The bank has organized outreach activities to understand the pain points of private enterprises, resulting in over 60,000 enterprises visited by the bank as of April 2025 [2] Group 3: Digital and Efficient Financing Solutions - Suzhou Industrial and Commercial Bank has developed an integrated online and offline financing service channel to enhance efficiency [3] - The bank successfully provided a 4 million yuan loan to a pharmaceutical company within one week, demonstrating its ability to meet urgent funding needs [3] - As of April 2025, the bank's inclusive loan balance exceeded 89 billion yuan, with over 34,000 clients, reflecting significant growth [3] Group 4: Supporting High-Tech Enterprises - Private enterprises account for about 90% of national high-tech and specialized small and medium enterprises in Suzhou, playing a crucial role in technological innovation and industrial upgrading [4] - The bank has established a technology finance service center to meet the diverse financial needs of private tech enterprises [4][5] - Innovative financial products and services have been developed, such as the "Technology Chain Incubation Loan," to support technology transfer and collaboration [5] Group 5: Enhancing Foreign Trade Financing - Suzhou's foreign trade has shown growth, with a total import and export value of 852.1 billion yuan in the first four months of the year, up 6.8% year-on-year [7] - The bank has introduced innovative financing services to support cross-border e-commerce enterprises, including the "Cross-Border E-Commerce Loan" [8] - The bank's efforts in foreign trade financing have resulted in nearly 60 billion yuan in loans for foreign trade enterprises as of April 2025 [10]