此次合作，是杭州银行以供应链金融赋能实体经济、深耕普惠金融的生动实践。该行以数字供应链金融 为抓手，在"普"上扩大覆盖、在"惠"上降低成本，依托核心企业信用，将金融服务精准传导至产业链末 端。截至目前，供应链金融服务客户中中小微企业占比超85%，最小单笔融资金额低至125元，有效助 力链上企业纾困发展、协同增效，以金融力量守护产业链稳定、服务实体经济高质量发展。 杭州银行相关负责人介绍，该行依托数字化技术，创新推出"核易融""链易融""货易融"三大品牌，将核 心企业信用延伸至物的信用、数据信用，依托大数据建模实现精准风控与脱核融资，通过平台对接、全 线上办理，为产业链上下游提供高效便捷的融资服务，切实提升中小微企业金融可得性。 下一步，杭州银行将持续加快数字化转型步伐，聚焦产业链发展需求，不断创新供应链金融服务模式， 以数字科技畅通供应链、做强产业链，为实体经济高质量发展注入更加强劲的金融动能。 编辑：马萌伟 转自：新华财经 物流枢纽灯火通明，国内餐饮供应链头部企业MC公司的配送网络高效运转，一条条食材供应链连接田 间地头与千家万户。自2014年成立以来，MC公司已服务全国200多个城市、超百万家餐饮商户，搭 ...

Core Viewpoint - The article highlights the proactive role of Linshang Bank in supporting the high-quality development of the high-end board and green home furnishing industry in Linyi, showcasing its commitment to local service and empowerment of the real economy through innovative financial solutions [1][7]. Group 1: Financial Support and Impact - Linshang Bank has provided loans totaling 8.3 billion yuan to over 1,200 enterprises within the industry chain, demonstrating its systemic financial support and fostering a symbiotic relationship between banks and enterprises [2]. - The bank's innovative "Virtue Points" system has enabled local villagers to secure loans, leading to job creation and economic growth in rural areas, exemplified by a loan of 4 million yuan to a local wood processing factory [2][5]. - The bank aims to achieve a cumulative loan issuance of no less than 10 billion yuan to the industry chain by 2026, indicating its long-term commitment to financial support [7]. Group 2: Mechanisms and Strategies - Linshang Bank has established a high-level task force led by the bank president to ensure effective service delivery, with a clear policy framework and regular communication with local governments [3]. - The bank has implemented a "one enterprise, one policy" approach to provide tailored financial solutions, focusing on different types of enterprises within the industry chain [4][5]. - A total of 150 business professionals have conducted over 2,000 enterprise visits, resulting in the issuance of 780 million yuan in new credit to more than 600 enterprises [3]. Group 3: Innovation and Ecosystem Development - The bank has expanded its service offerings beyond traditional loans, creating a collaborative financial ecosystem that includes innovative products like "Chain Easy Loan" and "Park Development Loan" [6]. - Linshang Bank has established a green approval channel to expedite loan processing, reducing average processing times by 2-3 working days [6]. - The bank has provided interest rate discounts for enterprises investing in technology research and development, saving over 6 million yuan in costs for businesses [6].

Core Insights - Suzhou Bank is actively responding to the national strategy of technological innovation by positioning itself as a "solid partner" for the growth of sci-tech enterprises through innovative financial services [1][3] - The bank has developed a comprehensive financial product matrix that covers the entire lifecycle of enterprises, utilizing the "Sci-tech Innovation Index" evaluation system to break traditional credit models [1][2] Financial Products and Services - Suzhou Bank offers five major financial products: Sci-tech Easy Loan, Talent Easy Loan, Chain Easy Loan, Knowledge Easy Loan, and Investment Easy Loan, providing full-chain financial services from startup to maturity [1] - The bank has successfully launched the first "Sci-tech Index Online Loan" and the first "Equipment Guarantee" business in collaboration with the United Nations, addressing funding challenges for equipment upgrades and digital transformation for sci-tech enterprises [1] Performance and Impact - As of September 2025, Suzhou Bank has served over 13,000 sci-tech enterprises with a total credit amount exceeding 130 billion, with over 20% of corporate loans directed towards sci-tech enterprises [2] - The bank's sci-tech credit clients are predominantly in the manufacturing sector, accounting for 80%, and over 40% of inclusive loans are allocated to sci-tech categories [2] Strategic Initiatives - The bank has established a "GOAI" sci-tech financial ecosystem, connecting various institutions to enhance comprehensive service capabilities, achieving a cumulative loan balance exceeding 1 billion through partnerships with nearly 100 venture capital institutions [2] - Suzhou Bank has set up a dedicated sci-tech financial business review department under the credit approval department, focusing on six strategic emerging industries and future industries [2] Future Outlook - The bank aims to deepen policy alignment, enhance professional capabilities, and improve collaborative mechanisms to provide more precise financial support for technological innovation [3] - Suzhou Bank is committed to fostering technological financial innovation and supporting high-quality development in Jiangsu and Suzhou [3]