在嘉兴这座充满活力的城市，个体工商户遍布餐饮、零售、种植、商贸等多个民生领域。他们不仅是激 活市场微循环的"毛细血管"，更是充盈城市烟火气、支撑地方经济稳健发展的重要力量。作为扎根地方 的金融力量，宁波银行嘉兴分行紧扣个体工商户经营实际，通过产品创新与服务升级，持续提升金融服 务的主动性、便捷性与创新性，助力嘉兴商气更旺、人气更足、烟火气更浓。 精准滴灌，破解传统融资困局 聚焦个体工商户"轻资产、缺抵押"的融资堵点，宁波银行推出"容易贷"纯信用信贷产品，打破传统信贷 模式下对抵押物的过度依赖，让众多信用良好的经营者能便捷获得"源头活水"。同时，围绕个体工商 户"短、小、频、急"的融资特点，宁波银行利用大数据审批和数字化服务流程，提高业务线上化水平， 简化业务办理流程，切实提升融资落地时效。 线上，宁波银行依托自有"美好生活"综合服务平台，为个体工商户提供产品展示与销售渠道，助力商户 拓宽客源；线下，常态化开展员工内购会与社区集市活动，为商户搭建直面消费者的线下场景，激活本 地消费潜力。南湖区凤桥镇的一位葡萄种植户，今年就真切感受到了这份特别的金融支持。当他种植的 阳光玫瑰葡萄遭遇滞销之时，宁波银行嘉兴分行迅速 ...

Core Viewpoint - Ningbo Bank Shanghai Branch has been committed to serving the local economy and supporting innovation and small enterprises over the past 18 years, aligning its strategies with the development of Shanghai as an international financial center [1][12]. Group 1: Support for Technology and Innovation - The bank has established a Technology Innovation Approval Center and a team of 100 experts to provide comprehensive financial support for technology enterprises throughout their lifecycle, issuing loans totaling 46.1 billion yuan to 1,140 tech companies in 2024 [2]. - The "Technology Loan" and "Talent Loan" products assist startups, while "Growth Loan" and "Partner Loan" support growing companies, and mature firms receive acquisition loans and bond underwriting services [2]. Group 2: Inclusive Finance for Small and Micro Enterprises - The bank has developed various financial products like "Fast Approval Fast Loan" and "No Principal Renewal Loan" to address the urgent financing needs of small and micro enterprises, providing over 20 billion yuan in inclusive loans in 2024 [5]. - The implementation of a no-principal renewal loan policy has helped 418 enterprises save over 100 million yuan in financing costs, ensuring the stability of their cash flow [5]. Group 3: Digital Transformation and Future Banking - The bank is advancing its digital transformation by offering integrated financial services through platforms like "Treasury Manager" and "Foreign Exchange Manager," serving over 1,000 corporate clients with an annual transaction volume exceeding 15 trillion yuan [7]. - The "Beautiful Life" service platform has distributed over 290,000 coupons to 380,000 residents, integrating financial services into daily life [7]. Group 4: Commitment to Social Responsibility - The bank actively supports the development of the Yangtze River Delta and the Shanghai Free Trade Zone, providing cross-border financing exceeding 1.1 billion USD to 263 enterprises in 2024 [8]. - It focuses on serving private enterprises by offering tailored financial services to meet their diverse needs [8]. Group 5: Future Outlook - The bank aims to enhance its professional, digital, platform, and international strategies, positioning itself as a financial partner that helps clients find and save money while supporting employees' well-being [11][12]. - As it celebrates its 18th anniversary, the bank is poised to leverage opportunities in Shanghai's financial landscape, continuing its commitment to innovation and practical service [11][12].