在重庆友强高分子材料股份有限公司（以下简称"友强高分子"）的生产车间里，聚碳酸酯原料正沿着传 送带匀速下行，机器运转的轰鸣声交织成一片。"这笔钱到账第二天，我们就结清了原料货款，现在生 产线全力运转，订单量涨了10%，今年产值冲1.3亿元稳了。"该公司负责人指着堆积如山的原料库介 绍。而就在几个月前，这家专注于新能源汽车改性材料的高新技术企业，被抵押物耗尽、融资无门的难 题困住了手脚。 随着新能源汽车市场的爆发式增长，友强高分子把大部分资金投入新材料研发，急需资金扩产却遭 遇"成长烦恼"——厂房、设备早已抵押，在传统贷款模式下屡屡碰壁。"能押的都押了，就像跑步时被 绑住了腿。"该公司负责人的回忆道出了不少科技型企业的共性困境。转机来自中国人民银行重庆市分 行的"百亿元级"货币政策支持计划，重庆三峡银行江津支行通过"长江渝融通"大数据系统捕捉到企业需 求，依托全国中小微企业资金流信用信息共享平台调取营收、订单、纳税等数据，用大数据模型给企 业"信用画像"，在再贷款政策的激励下，最终以2.8%的优惠利率为该公司发放了250万元信用贷款，不 仅利率比一年期贷款市场报价利率（LPR）低20个基点，审批时间也从20天压 ...

Core Insights - The Chongqing Municipal Financial Office hosted a training session aimed at optimizing the financial business environment in the Yuxi region, marking the first region-specific "tailored" financial service training in Chongqing [1] - The training focused on key areas such as financial policies, credit services, digital finance, and government financing guarantees, ensuring that the content met the needs of the local business environment [1][2] - The training session achieved full coverage across government, institutions, and enterprises, with over ten thousand online views, indicating strong interest and engagement from the community [2] Group 1 - The training utilized a combination of online and offline teaching methods, connecting eight districts in the Yuxi region to enhance corporate financing capabilities [1] - A comprehensive research effort was conducted prior to the training to identify bottlenecks in the financial business environment, allowing for targeted training content [1] - Experts from the People's Bank of China and financial institutions provided a full-chain interpretation system, addressing enterprise concerns and facilitating expert Q&A [1] Group 2 - The "Yujin Tong" financial brain aims to enhance the comprehensive financial service capability system, integrating various financial services for businesses and the public [2] - The "Yujin Dun" risk control brain focuses on the intelligent transformation of local financial management, consolidating regulatory and risk management functions for local financial organizations [2] - Future training sessions are planned for the northeastern and southeastern regions of Chongqing, with content tailored to local industry structures and enterprise needs [2]