作为济宁制造业重点发展的产业，绿色建材产业在邹城市已形成相当规模。由于地方财政资金相对紧 张，市政工程、保障房建设、雨污分流等重大项目的工程款回款周期显著拉长，使得处于产业链上游的 绿色建材企业面临着前所未有的资金压力。 邹城市持续推进城市更新行动，近年来累计改造64.4公里合流制管网的雨污分流工程，涉及太平路、青 年路、迎宾路等28条道路，总投资规模达数十亿元。这些民生工程的顺利推进，高度依赖于上游建材供 应商的稳定供货和施工保障。兴业银行济宁分行深刻认识到，保障绿色建材产业链的资金畅通，不仅关 乎企业生存发展，更直接关系到城市建设和民生改善。 创新产品体系，深化多元服务 面对绿色建材企业的融资困境，兴业银行济宁分行充分发挥"商行+投行"双重优势，构建了一套多层 次、广覆盖的供应链金融产品体系，精准对接不同类型企业的差异化需求。 "e票贷"产品依托大数据风控模型，实现全流程线上化操作，企业无需提供财务报表，通过手机银行即 可完成申请、签约、提款、还款全过程，最高1000万元的授信额度和100%的质押率，有效破解了中小 建筑企业融资难、融资慢的困局。 齐鲁晚报·齐鲁壹点 张夫稳 通讯员 王衍浩 由济宁市委社会 ...

Group 1 - The core viewpoint is that Industrial Bank Jinan Branch is committed to serving the real economy by enhancing financial support for small and micro enterprises, promoting deep integration between industry and finance [1][2] - The bank has developed a diverse range of financial products with favorable interest rates and streamlined approval processes, including "Quick Loan," "Quick Pledge Loan," "Factory Loan," and "E-Bill Loan," catering to various enterprise needs [1] - The bank utilizes a digital inclusive finance model, leveraging data streams and big data technology to assess the credit status of small and micro enterprises efficiently [1] Group 2 - The bank has optimized the offline inclusive loan approval process, establishing a green channel for urgent business needs to ensure high efficiency in loan approvals [2] - The "reverse factoring" business has emerged as a key product in the inclusive finance sector, enhancing credit assessment accuracy for small and micro enterprises by evaluating the entire supply chain's credit [2] - Looking ahead, the bank aims to accelerate innovation in financing services for small and micro enterprises, enhancing comprehensive service capabilities and promoting financial resources towards the real economy [2]

Core Insights - The core viewpoint of the articles highlights the efforts of Industrial Bank's Jinan Branch in developing inclusive finance through institutional improvements, innovative financial products, and accelerated digital transformation [1][2] Group 1: Institutional Support - The Jinan Branch focuses on eliminating barriers to the development of inclusive finance by enhancing the duty of care mechanism, which serves as a "booster" for grassroots operations [1] - The branch has detailed implementation rules based on local small and micro-enterprise characteristics, establishing a long-term mechanism that encourages lending [1] Group 2: Product Innovation - The branch has created a differentiated product system targeting the full lifecycle needs of small and micro enterprises, including products like "e-bill loan" and "quick mortgage loan" for supply chain companies [1] - Customized products such as "industrial plant loan" and "talent loan" have been developed to meet the diverse needs of technology-driven enterprises at different stages of development [1] Group 3: Digital Transformation - The Jinan Branch is advancing digital upgrades by building an "online + offline" integrated service ecosystem, allowing businesses to complete the entire loan process online without leaving their premises [2] - A new "technology flow" credit model has been introduced for technology-driven enterprises, incorporating soft assets like intellectual property and R&D capabilities into the assessment framework [2] Group 4: Future Directions - The branch aims to deepen the connotation of inclusive finance services and implement more precise measures to support the growth of small and micro enterprises, contributing to the high-quality development of the real economy [2]