个性化解决方案 破解小微企业融资难 小微企业是稳就业、保民生的关键力量。长期以来，"融资难、融资贵、融资慢"影响小微企业的发展。 针对小微企业轻资产、缺抵押的特点，中国银行创新推出一系列专属金融产品，为不同行业、不同发展 阶段的小微企业提供个性化解决方案。 在郑州，某高新技术企业因中标超大订单急需资金采购原料，中国银行依托融资协调机制，为其开辟绿 色审批通道，仅用一周时间就完成贷款审批并到账。"以前在办理融资业务时，资金少说也得一个月左 右才能到。"该企业相关负责人表示，中国银行的资金支持不仅解了企业燃眉之急，更为企业发展注入 了信心。 重塑授信逻辑 "软资产"变融资"硬通货" ■本报记者 郝飞 从专利到生产线，从壮大特色产业到提升产业能级，中国银行正以全周期、全场景、全生态的金融服 务，构建起银企双向奔赴的新生态，为中原大地经济高质量发展注入澎湃动能。 科技企业普遍具有"轻资产、重研发、周期长"的特点，传统信贷模式难以满足其融资需求。中国银行打 破"看过去、看押品、看报表、看规模"的传统评估逻辑，转向"看产业、看技术、看团队、看未来"的授 信理念，将企业的知识产权、技术成果、人才团队等"软资产"转化为融资" ...

Core Viewpoint - The Sichuan branch of China Bank is actively promoting consumption and economic growth through various financial services and initiatives aimed at enhancing consumer confidence and stimulating demand [1][8]. Group 1: Financial Initiatives and Support - In February, Sichuan Bank introduced twelve measures to boost consumption, committing over 100 billion yuan in loans to enhance local consumption and economic development [1]. - The implementation of personal consumption loan interest subsidy policies has improved loan processing efficiency, benefiting consumers like Mr. Li, who successfully secured a car loan with reduced repayment pressure [2]. - Sichuan Bank has lowered auto installment loan rates since 2024, facilitating over 1.2 billion yuan in auto loans and promoting "trade-in" programs for home appliances and renovations [2]. Group 2: Credit Support for Employment and Entrepreneurship - Sichuan Bank is enhancing credit support for employment and entrepreneurship through various products like "Settlement Loan" and "Silver Tax Loan," catering to the funding needs of entrepreneurs [3]. - The bank has provided over 700 billion yuan in credit support to sectors such as wholesale, retail, healthcare, and education, while also offering 14 billion yuan in consumer loans through products like "Bank of China E-loan" [3]. Group 3: Infrastructure and Rural Support - Sichuan Bank is improving financial services for the Chengdu Universiade, facilitating over 9,000 foreign card merchants and processing over 10 million yuan in foreign card transactions [5]. - The bank has launched products like "Credit Express" and "Tianfu Grain Warehouse Loan" to enhance financing accessibility for agricultural entities and support rural economic development [6]. Group 4: Financial Education and Consumer Awareness - Sichuan Bank has conducted over 6,100 financial education activities, reaching more than 100 million consumers, particularly targeting vulnerable groups like the elderly and youth [8]. - The bank emphasizes that expanding domestic demand and promoting consumption are crucial for stabilizing the economy and enhancing the quality of life for households [8].

近日，上海农商银行制定《2025年服务民营企业工作方案》，聚焦民营企业发展难点，围绕加大民 营企业融资支持、强化民营重点客群服务、深化民营企业综合服务等三大方面推出二十条举措，旨在以 更大力度、更实举措为民营企业提供更加全面、高效、优质的综合服务，全面推进民营经济高质量发 展。 上海农商银行长期重视客群培育和发展，紧紧围绕"五篇大文章"，精准识别重点领域民营企业在战 略转型、技术升级、市场拓展等环节的差异化需求，持续创新金融产品与服务模式，助力民营企业在时 代浪潮中稳健前行。 对于科技型民营企业，该行践行"投早、投小、投硬"理念，从"看过去"转向"看未来"，以创投型信 贷思维评估企业潜力，以"核心人才+核心技术+核心优势"为衡量坐标，联合外部机构建立以"鑫动能"客 户为中心的"1+N"赋能生态圈，提供"五专服务+六维赋能"。截至2025年3月末，上海农商银行为超4000 户科技型民营企业提供贷款服务，余额近800亿元。 作为上海金融国企，上海农商银行始终坚守"人民金融"理念，全面贯彻落实《民营经济促进法》及 民营企业座谈会上的重要讲话精神，积极响应市委市政府印发的《新时代新征程促进民营经济高质量发 展的若干措 ...

Core Viewpoint - The establishment of the Hengqin Guangdong-Macao Deep Cooperation Zone has become a model for the deep integration of Guangdong, Hong Kong, and Macao, with the Bank of China actively contributing to this development through various financial services [1][2]. Financial Innovation - The "Macao New Neighborhood" project is the first comprehensive livelihood project between Guangdong and Macao, providing quality living spaces for Macao residents [2]. - The Bank of China has facilitated foreign currency collection and cross-border RMB settlement services for the first batch of Macao residents purchasing properties in the "Macao New Neighborhood," with approximately 470 foreign currency transactions totaling nearly 110 million USD and over 800 cross-border RMB transactions amounting to more than 1.33 billion RMB [2]. - Since the establishment of the cooperation zone, the Bank of China has served around 56,000 Macao households in the Zhuhai area for medical insurance and other daily financial needs [2]. - The bank has launched over 40 innovative services, including a fully automated smart safe service and various cross-border financial products to reduce service barriers for residents [2]. Industrial Development - The "Macau Special Administrative Region Economic Appropriately Diversified Development Plan (2024-2028)" aims to strengthen the tourism and leisure industry, develop the traditional Chinese medicine health industry, modern finance, and high-tech industries [3]. - The Bank of China has introduced the "Guangdong-Macao Shared Loan" to support financing for Macao enterprises registered in Hengqin, having issued nearly 570 million RMB to over 120 companies [3]. - The Guangdong-Macao Cooperation Traditional Chinese Medicine Science and Technology Industrial Park is a key project, with the Bank of China offering various loan products to support enterprises without requiring fixed asset collateral [3]. Connectivity Enhancement - The Bank of China has played a significant role in supporting Macao's economic diversification and integration into the national development framework through its expertise in cross-border bond capital markets and offshore RMB business [4]. - Since 2019, the bank has led the issuance of offshore RMB government bonds in Macao five times, enhancing the financial infrastructure and international influence of Macao's bond market [4]. - The bank has also pioneered the issuance of green bonds and special bonds for the Hengqin Guangdong-Macao Deep Cooperation Zone [4]. - The cross-border wealth management connect initiative provides convenient investment channels for residents in the Greater Bay Area, with the Bank of China offering comprehensive cross-border financial services [5]. - The bank has launched the "Greater Bay Area Easy Account Opening" and "Macao Cross-Border Wallet," enhancing mobile payment services for residents [5].

Core Viewpoint - The article emphasizes that small and micro enterprises can still apply for loans without collateral, especially through "enterprise credit loans" in the current policy environment [1] Group 1: Loan Application Without Collateral - Many business owners mistakenly believe that loans require hard assets as collateral; however, banks are increasingly focusing on "credit assets" [3] - Various types of credit loans are available, such as: - **Silver Tax Loan**: Tax credit serves as a financing pass; for example, a hardware factory owner in Ningbo secured a loan of 500,000 yuan based on a 300,000 yuan invoicing record [3] - **Operational Credit Loans**: Based on enterprise data [3] - **Policy-Backed Credit Loans**: Government guarantees and financial subsidies available for businesses with a tax rating of B or above and invoicing over 300,000 yuan, with interest rates as low as 3.6% and limits up to 8 million yuan [3] Group 2: Addressing Credit Issues - Minor credit issues do not completely disqualify businesses from obtaining loans; the key is to convince banks of repayment ability [5] - Strategies to improve loan approval chances include: - **Pre-optimization**: Preparing documentation in advance [5] - **Utilizing Offline Channels**: Engaging with customer managers who can provide personalized assistance [5] - **Enhancing Creditworthiness**: Reducing short-term loan applications and paying off existing debts [5][6] Group 3: Loan Application Process - Comprehensive documentation is crucial for loan applications, including business licenses, tax proofs, and bank statements [8] - Utilizing online pre-assessment tools can expedite the approval process [8] - Choosing the right loan products and timing can significantly impact the success of the application; banks are more likely to approve loans at the end of financial quarters [8] Group 4: Conclusion - "Enterprise credit loans" are attainable for businesses with basic operational data, repayment willingness, and genuine tax records; the challenge often lies in selecting the right products and preparing adequate documentation [9]

Core Viewpoint - The article discusses the recent trend of banks lowering interest rates on credit operating loans, particularly in response to regulatory constraints on consumer loans, with some banks offering rates as low as 2.68% for select clients [1][3][4]. Group 1: Market Dynamics - Following regulatory restrictions on consumer loan interest rates, banks are shifting focus to operating loans, initiating a new round of interest rate reductions [3][4]. - Major banks like China Bank, Construction Bank, and China Merchants Bank have introduced credit operating loan products with annual interest rates around 3%, with some offering lower rates through promotional coupons [1][3][4]. - The competition in the consumer loan market has led to some banks engaging in indirect price competition, such as government-subsidized interest rates and personal subsidies from bank employees [5][6]. Group 2: Loan Products and Strategies - China Merchants Bank's "Business Loan" product has a base annual interest rate starting at 3%, with specific clients receiving rates as low as 2.68% through special coupons [3][4]. - Construction Bank's "Credit Quick Loan" offers a minimum interest rate of 3% and a maximum loan amount of 3 million yuan, requiring various eligibility criteria [3][4]. - China Bank has launched differentiated credit products targeting small and micro enterprises, with maximum loan amounts of 5 million yuan and interest rates not exceeding 3.6% [4]. Group 3: Industry Challenges - The credit market is facing challenges with a decline in new loan increments, as evidenced by a drop in new RMB loans by 3.3 billion yuan year-on-year in May [7][8]. - Despite increased lending efforts, the market's capacity to absorb loans remains weak, leading to a competitive environment where banks are resorting to unconventional methods to attract clients [8][9]. - The banking sector is experiencing a concerning phenomenon where the net interest margin is lower than the non-performing loan rate, indicating potential sustainability issues for the current low-rate lending model [8][9].

Core Viewpoint - The current "price-for-volume" competition model in the lending market is unsustainable due to regulatory constraints and increasing pressure on banks' profitability [1][6][7] Group 1: Lending Market Dynamics - Following the regulatory halt on consumer loan interest rate wars, banks have shifted focus to business loans, leading to a new wave of interest rate reductions [2][3] - Major banks like China Bank, Construction Bank, and China Merchants Bank have introduced pure credit business loan products with annual interest rates around 3%, with some offering as low as 2.68% for select clients [1][2] - Despite nominal interest rates being maintained at around 3%, banks are employing various strategies to lower actual financing costs for clients, including government subsidies and interest rate coupons [4][5] Group 2: Competitive Strategies - Banks are increasingly customizing loan products for specific industries and client groups, indicating a shift towards differentiated pricing strategies in the business loan sector [3][6] - Some banks are engaging in practices that blur the lines of regulatory compliance, such as providing personal subsidies to meet client demands [5][6] - The competitive landscape is characterized by a "new normal" where banks are resorting to gray market practices to attract clients, including partnerships with loan facilitation agencies [6] Group 3: Financial Performance Indicators - The overall net interest margin for banks has dropped to 1.43%, with an average non-performing loan rate of 1.51%, indicating a concerning trend of negative spread [7] - In the first quarter, 19 out of 42 listed banks reported a year-on-year decline in interest income, highlighting the financial strain within the sector [7] - Analysts suggest that the current environment does not support a widespread reduction in consumer loan rates, as banks are more likely to offer slight discounts to specific client segments to manage risk and maintain profitability [7]

Core Insights - The article discusses the "Silver-Tax Interaction" initiative aimed at alleviating financing difficulties for small and micro enterprises in Baoji, China [2][4]. Group 1: Initiative Overview - The "Silver-Tax Interaction" method is designed to enhance the convenience, inclusiveness, and creativity of financing solutions for small and micro enterprises [2]. - The initiative is part of the "Spring Breeze Action" to optimize the tax business environment and improve the efficiency of tax-related services [2]. Group 2: Impact on Enterprises - Baoji Yongshengtai Titanium Industry Co., Ltd. successfully secured a loan of 10 million yuan through the "Silver-Tax Interaction" platform, which significantly alleviated its financial pressure and supported its production expansion [4]. - The company faced increased operational pressure due to rising R&D costs and economic conditions, highlighting the importance of the initiative in providing timely financial support [4]. Group 3: Collaborative Mechanisms - The Baoji High-tech Zone Tax Bureau has established a regular collaborative mechanism with multiple banks, converting enterprise tax credit ratings into loan amounts to address financing challenges [6]. - In the first quarter of 2025, the Industrial and Commercial Bank of China provided loans totaling 124 million yuan to 142 small and micro enterprises, demonstrating the effectiveness of the "Silver-Tax Interaction" in facilitating access to finance [6]. Group 4: Future Directions - The Baoji High-tech Zone Tax Bureau plans to continue focusing on the "Spring Breeze Action" and further develop the "Silver-Tax Interaction" services to enhance enterprise vitality and improve the efficiency of business operations [6].

2025年4月9日 星期三 文星审移/唐英 版式设计/王域 校读/李乐 (6. 沙岭机, 掌上反泗 关注 | 6版 ● 陈星谭 陶鹏 疑赖输山,翠雕玉琢;混淆和水,旁流不息 2010年4月9日,一颗从北京远道而来的会融"种子",在就山脚下 湖江之畔生相发草,中世开启了线面铜行围多三朝大地的新征程, 十五载栉风沐雨,十五载春华秋实。自成立以来,华夏银行长沙 分行深刻把握会融工作的政治性和人民性,乘承"可持续更盖好"的品 陣理念,与国家战略同向发力,与湖南发展同频共振,为社会民生同心 协力 凤面即舟,携手共讲。十五年来,像夏银行长沙分行若长沙,棋牌 常德、株洲和湘潭设立分支机构,服务客户遍及全省14个市州,形成 "立足长沙、辐射淘商"的发展格局,累计为湖南企事业单位和居民个 人提供融资超过5000亿元,全省信贷与投融资业务总量超过1000g 三高四新"美好蓝图、推进湖南经济社会高质量发展注。 了 28.36 chap 助力实体经济,点燃新质生产力引擎 行还为企业业务"牵战搭桥"。 2023年,中联重科股份有限公司 的到了一体超10亿元的高尔作业 平台采购订单，青后正是华夏银 行长沙分行的推动。该行携手华 夏金租, ...