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山西大同农商银行“银区共建+圈链授信”助力产业发展

7月 22, 2025

大同农商银行以“银区共建+圈链授信”为抓手,通过政银企三方联动、园区嵌入、产业链覆盖,构建起“园区搭台、银行唱戏、企业受益”的普惠金融新生态,实现从“单点输血”到“链条赋能”的升级,有效破解中小微企业融资难、园区服务碎片化、产业链协同不足等痛点,助力区域经济高质量发展。

该行与多个社区建立“政银企”协同走访机制,通过“千企万户大走访”活动,深入园区摸排企业融资需求,针对科创企业“轻资产、重研发”特点,重点推广“兴业贷”,将知识产权、订单数据纳入授信模型,实现“数据多跑路、企业少跑腿”。同时,与市政府相关部门建立信息共享机制,提前对接招商引资项目,通过“预评估+快审批”提升授信效率,支持辖区多家高端装备、新材料企业落地生根。

该行依托工商、税务等多维数据,建立“链上企业画像”,绘制特色产业图谱,为多家链属企业建立“经营数据+信用信息”档案,创新动态授信模型,批量挖掘潜在客群,为核心企业赋能,实现链上企业“无抵押、纯信用、线上批”的融资体验。针对八大特色农产品产业,拆解种植、收购、仓储、加工、销售五大环节,针对性推广适配信贷产品,支持农产品特色产业发展。

该行积极参与市重点项目建设,设立专项信贷额度,进行差异化FTP考核,积极拓展首贷、信用贷、无还本续贷、随借随还贷款和中长期贷款。拓展融资增信渠道,探索“总对总”授信模式,主动与大同市财信融资担保公司等有实力的融资性担保机构签订合作协议,开展批量担保业务合作,减少重复尽调,提高担保效率,合理厘定担保费率,为符合条件的制造业企业批量化融资增信。组织办贷人员走进产品加工园区,现场为企业讲解减费让利政策,量身定制融资方案,实现“上门办、现场答”,真正把服务送到企业“心坎上”。

在大同市云冈区某食品加工厂内,厂区负责人线上申请后,仅一天后30万元信贷资金直达供应商账户。“过去旺季备货总要自筹周转金,现在资金链再没‘卡过脖子’。”这一场景背后,是近年来大同农商银行推行“银区共建+圈链授信”服务模式的成果,也是激活区域产业链的重要缩影。

《山西大同农商银行“银区共建+圈链授信”助力产业发展》有964个想法
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