坚定深化"四贷联动"服务模式 工行苏州分行坚持"金融为民"，以满足小微企业需求为服务宗旨，做好首贷、信用贷、无还本续贷、转 贷"四贷联动"，深化支付结算、经营流水、知识产权等大数据应用，完善行内信用评价模型，构建大数 据模型科学测算授信额度，推动风险控制前移，为广大小微企业提供预授信。创新推出挖机e贷、国网 电力贷、太仓农贸贷、科创企业贷等产品，降低小微企业融资对抵押担保的过度依赖，显著扩大服务覆 盖面。今年以来，该行服务小微企业首贷户近1500户，较上年同期多增350余户。信用贷款发放金额和 户数显著增长，截至2025年11月末，该行小微企业信用贷款余额超350亿元，较年初增长超100亿元，增 幅达40%。 坚定秉持"政策+服务"双轮驱动 转自：新华财经 近年来，苏州市延续"工业立市"传统，着力打造1030现代产业体系，通过智转数改网联和绿色发展，推 动制造业向高端化、智能化、绿色化转型，赋能新质生产力发展。 在此进程中，工商银行苏州分行始终秉持金融服务实体经济的宗旨，以金融为笔墨，提升服务能力，做 到"五个坚定"，重点加大民营企业、制造业等领域信贷支持，当好服务实体经济主力军，为民营企业稳 健发展注入信心 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) successfully provided a 6 million yuan loan to a high-tech small and micro enterprise, alleviating its financial pressure and boosting confidence in the smart manufacturing sector [1][2] - The bank's approach combines government guidance and market leadership, showcasing an innovative breakthrough in supporting small and micro enterprises [1] Group 1 - The high-tech company, established in 2021, specializes in intelligent guidance systems and visual inspection equipment, with applications in major firms like Apple and BYD [1] - The company faced liquidity pressure due to increased orders and R&D investments, which hindered its business expansion [1] - ICBC implemented a "fast review and fast loan" service model, completing the entire loan process in just three working days to ensure timely repayment of existing loans [1] Group 2 - Since the launch of the small and micro enterprise financing coordination mechanism, ICBC has conducted extensive outreach activities, aiming to enhance financial services for emerging sectors [2] - As of March 2025, ICBC has over 4,100 inclusive clients and a loan balance exceeding 10 billion yuan, supporting the high-quality development of small and micro enterprises [2] - The bank plans to continue innovating financial products to address the financing challenges faced by small and micro enterprises, focusing on low-cost and efficient financial support [2]