Core Insights - The launch of the "Cluster Quick Loan" product by China Construction Bank aims to provide tailored financial support to Shanghai's five major advanced manufacturing industry clusters, including integrated circuits, biomedicine, and new energy vehicles [1][3][7] Group 1: Financial Innovation - The "Cluster Quick Loan" addresses the financing challenges faced by technology-driven enterprises, which often lack effective collateral and experience mismatches between funding needs and short-term loan durations [3][4] - The product utilizes a big data risk control model to integrate various credit factors, enabling online processing and offering favorable long-term, low-interest loan conditions [3][4] Group 2: Collaborative Ecosystem - A collaborative ecosystem involving government, banks, and enterprises is being established in Zhangjiang Science City, enhancing the efficiency of financial services for innovative companies [4][6] - The Zhangjiang Financing Service Center effectively breaks down information barriers between banks and enterprises, allowing for more accurate identification of quality tech companies [4][6] Group 3: Efficient Service Delivery - In Jiading District, a rapid financial service initiative has been implemented, identifying 383 key enterprises within three weeks, showcasing the efficiency of the "Jiading Speed" in financial product delivery [5][6] - The collaboration between various stakeholders has improved the quality and efficiency of financial services to the real economy [6] Group 4: Modern Industrial Support - The successful implementation of the "Cluster Quick Loan" is a practical step towards supporting Shanghai's strategic emerging industries and aligns with the city's goal of becoming a globally influential technology innovation center [7] - The shift from serving individual enterprises to focusing on industry clusters enhances service efficiency and risk management capabilities [7]

精准的企业画像和产业集群化管理，可以有效降低金融机构的服务门槛。张江融资服务中心这一平台有 效打破了银企间的信息壁垒，使银行能够更准确、更高效识别优质科创企业。 "我们研发投入大，这笔资金对我们发展有很大帮助。"芯合电子（上海）有限公司财务负责人高总坦 言。这家专注于芯片技术研发的企业，正是上海集成电路产业集群中的典型代表。 建设银行此次推出的"集群快贷"，正是针对这一痛点进行的金融创新。产品通过大数据风控模型，整合 企业经营数据、产业集群资质、政府扶持政策等多维信用要素，实现全流程线上化办理，并提供长期 限、低利率的优惠条件。 "我们不再孤立地评估单个企业，而是将其置于整个产业集群生态中综合判断。"建设银行上海市分行科 技产业金融部总经理邵健健表示，"企业在产业链中的地位、技术创新的价值、产业集群的发展前景， 都成为授信评估的重要维度。" 转自：新华财经 新华财经上海12月12日电（记者 王淑娟）记者获悉，建设银行专为上海五大国家级先进制造业产业集 群量身打造的"集群快贷"产品日前正式落地，为上海集成电路、生物医药、新能源汽车等战略性新兴产 业注入金融活水。目前，芯合电子（上海）有限公司、上海球明标准件有限 ...

11月29日晚11时，随着系统提示音清脆响起，一笔600万元的贷款顺利投放至当地一家镀涂钢板制品企 业账户。这不仅解了企业采购原材料的燃眉之急，更标志着建设银行（601939）全国首笔"集群快贷"业 务在这里成功落地，为金融服务产业集群探索出了一条崭新的路径。 直面痛点，探路"无核"融资新模式 依托该平台的数据支撑和风控保障，联合团队创新提出了"集群快贷+货押+监管"的综合服务方案。该 方案打破传统思维，不依赖单一核心企业，而是以集群整体经营和政府平台数据为依托，以存货质押为 抓手，构建起覆盖"采—产—销"全流程的风控体系。 首战告捷，树立特色产业服务新标杆 这笔业务的成功落地，是聊城分行深化"圈链群"策略、将金融活水精准滴灌至实体经济"毛细血管"的生 动实践。它不仅为破解产业集群中小企业融资难题提供了可复制、可推广的"冠县样板"，更通过提升产 业链协同效率、增强供应链稳定性，建设银行正以创新的金融笔墨，书写着服务实体经济高质量发展的 崭新篇章。 "能不能创新一种融资模式，既破解这些难题，又能实现风险的有效防控？"冠县支行负责人在深入调研 后，提出了这一创新课题。需求就是号令，总行、山东省分行、聊城市分行、冠 ...