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在宁夏平原的黄河之滨,一幅生态保护与高质量发展的壮美画卷正徐徐展开。今年是《中华人民共和国黄河保护法》实施两周年,两年来,邮储银行以金融为笔、创新为墨,深度融入国家战略,精准服务地方发展,在筑牢黄河生态屏障、促进流域高质量发展中交出了亮眼的金融答卷。

守护母亲河

绿色金融绘就生态新画卷

黄河流域生态保护,绿色发展是核心所在。邮储银行宁夏区分行紧扣国家“双碳”目标,将绿色金融作为服务黄河流域生态保护的关键举措。截至2024年末,绿色贷款余额达38.45亿元,其中清洁能源产业贷款占比超过43%,重点支持了光伏、风电、储能等一系列绿色能源项目,为黄河流域减少碳排放、优化能源结构提供了强有力的金融支撑。

邮储银行宁夏区分行支持绿色能源产业高质量发展

在宁夏中卫市,某新能源有限公司的光伏电站正高效运转,作为自治区新能源产业的佼佼者,其快速发展背后离不开邮储银行宁夏区分行的鼎力支持。该分行通过开辟“绿色信贷专项通道”,为其授信超亿元资金,助力企业扩大运营规模、提升市场竞争力,推动宁夏光伏发电产业规模化发展迈上新台阶。

为构建绿色金融长效机制,邮储银行宁夏区分行成立了碳达峰碳中和暨绿色金融领导小组,制定并实施差异化授信政策,对绿色项目给予FTP定价减点、审批优先等一系列优惠政策。同时,该分行依托先进的“金睛”风控系统,加强对ESG(环境、社会和治理)风险的评估与管理,确保资金精准投向生态友好型产业。“我们的目标是以金融之力守护黄河安澜,让绿色成为高质量发展的鲜明底色。”邮储银行宁夏区分行相关负责人表示。

激活创新引擎

科技金融赋能高质量发展

科技创新是黄河流域高质量发展的驱动力。邮储银行宁夏区分行以“科技金融”为突破口,聚焦“专精特新”企业和高新技术企业,构建了“线上+线下”相结合的综合服务体系。截至目前,该分行已累计为460余家科技型企业发放贷款超过50亿元,成为区域科技创新的“金融加速器”。

在吴忠市,某创科化工有限公司凭借邮储银行宁夏区分行的“科创e贷”300万元信用贷款,成功突破了流动资金瓶颈,生产线满负荷运转,年产值实现30%的增长。这款无需抵押、线上秒批的金融产品,正是邮储银行宁夏区分行针对科技型企业“轻资产、高成长”特点量身定制的创新之作。此外,“创新积分贷”则依托国家科技部火炬中心的数据模型,为银川高新区的科技企业提供动态授信,让“技术流”真正转化为“资金流”。

为深化科技金融服务,邮储银行宁夏区分行设立了全区首家科技支行,打造“产品创新+生态共建”双轮驱动的发展模式。科技支行不仅提供定制化的融资方案,还联合政府、园区搭建政银企对接平台,推动金融资源与科创需求精准匹配。

宁夏某开发有限公司便是一个生动的案例。作为一家专注于精细化工领域的科技型中小企业,该公司曾因日常经营周转资金短缺而陷入困境。在得知企业的融资难题后,邮储银行石嘴山市分行的工作人员迅速响应,主动上门服务,并现场推荐了“知识产权质押贷款”这一创新金融产品。该产品通过盘活企业的无形资产,成功释放其价值,为企业解决了融资难题,授信金额高达1500万元。这一举措不仅将企业的“知产”转化为“资产”,还通过质押方式转化为流动资金,有效缓解了企业因缺乏固定资产而导致的融资困境。“真没想到,仅凭知识产权证书我们就能顺利获得贷款,邮储银行的资金支持让我们在技术创新上更有底气!”该企业负责人满怀感激地说道。

润泽城市乡村

普惠金融浇灌振兴梦

普惠金融是金融服务实体经济的重要一环。邮储银行宁夏区分行积极践行普惠金融理念,不断创新金融产品和服务模式,加大对小微企业和乡村振兴的金融支持力度。

在服务小微企业方面,邮储银行宁夏区分行推出了多款面向小微企业的信贷产品,如“小微易贷”“极速贷”等,旨在满足不同小微企业的个性化融资需求。该分行还加大对小微企业的政策扶持力度,推出延长贷款期限等多项优惠措施,切实降低小微企业的融资成本。同时,邮储银行宁夏区分行持续优化服务流程,简化贷款审批手续,提高审批效率,让小微企业能够更快速地获得资金支持。

邮储银行宁夏区分行金融“活水”助力奶产业发展

为扩大普惠金融服务覆盖面,深度服务乡村振兴,邮储银行宁夏区分行大力推动“信用村”建设,为农户提供更加便捷、高效的金融服务。截至目前,已累计建设“信用村”1681个,“信用户”达到6.19万户,为当地农村经济发展注入了强劲动力。邮储银行宁夏区分行还充分发挥金融服务优势,立足宁夏地区丰富的农业资源和特色产业,积极与当地政府和农业企业开展合作,围绕枸杞、葡萄酒、奶产业、肉牛和滩羊等涉农产业,量身定制金融服务方案,推出了多款信贷产品,为农民和企业提供了便捷、高效的金融服务。

在固原市原州区寨科乡蔡川村,邮储银行宁夏区分行打造的“产业引领+能人带动+金融帮扶”的“蔡川模式”,已在宁夏全区推广开来,成为金融助力乡村振兴的典范。彭阳县鑫河粮食商行负责人通过邮储银行的“粮食收购产业贷”获得100万元资金,成功引入无人机撒肥等科技设备,服务农田面积达12万亩,带动千余农户增收致富。而在彭堡镇闫堡村,村民刘招茂的绿色蔬菜大棚依托60万元贷款实现了现代化转型,油白菜远销全国各地,年收入实现翻番。“邮储银行的贷款,让我们的日子越过越红火!”村民们纷纷竖起大拇指点赞。

从支持清洁能源的绿色浪潮,到赋能科技创新的智慧火花;从润泽乡村的普惠活水,到温暖民心的服务实践,邮储银行宁夏区分行以金融之力,全方位助力黄河流域生态保护与高质量发展先行区建设。截至2024年末,累计投放各类贷款超过1500亿元,服务区域客户超103万户,交出了一份沉甸甸的“邮储答卷”。

未来,邮储银行将持续创新金融服务模式,量身定制金融产品,为黄河流域生态保护与高质量发展注入新动能,助力“塞上江南”谱写新时代的绚丽篇章。

似水流年免费阅读全文温如玉,尽情感受每一刻精彩!的相关文章 LPL 2025 赛季第二赛段组内赛 BLG 1:2 TES,如何评价这场比赛?的相关文章
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