西西里的美丽传说
大力优化营商环境 加快高质量发展｜产业集群贷，“贷”出新动能_我的网站
A | (ECNS) -- Datong City in north China's Shanxi Province saw its agricultural imports and exports exceed 250 million yuan (about $35.7 million) in the first half of this year, with notable growth in both trade volume and product quality. Datong Customs has introduced full-cycle services and smarter supervision across the agricultural supply chain. Working with local agricultural and market regulatory authorities, it carried out joint inspections, training, guidance and problem-solving services, visiting more than 20 enterprises during the first half of the year. The Datong Municipal Commerce Bureau has also adopted a tailored "one enterprise, one policy" approach. In Tianzhen County, a cross-border e-commerce and miscellaneous grains industrial park has been established, bringing together nine agricultural e-commerce companies and creating a digital channel for local agricultural products to reach overseas markets. Customs authorities have also stepped up support for local exporters. In Hunyuan County, officials have worked with enterprises to facilitate exports, while a company in Lingqiu County received one-on-one guidance on registration procedures for exporting chili sauce to Mongolia. Datong Customs has also helped leading companies, including Tianzhen Bocheng Vegetable Co., Ltd., obtain AEO (Authorized Economic Operator) certification. Measures such as online certificate issuance and streamlined customs clearance procedures have further improved efficiency. Processed food exports have emerged as a key driver of growth. In the first half of the year, Datong's tomato paste exports surged 476.2% year on year, while buckwheat flour exports rose 47%. Dehydrated vegetables from Tianzhen County have also been showcased at several international exhibitions, helping local companies secure orders worth millions of dollars. Datong has continued to expand the overseas reach of its agricultural products. Locally produced tomato paste has entered markets including Russia, Mali, Moldova and Gambia, while the city exported tomato sauce to the Republic of Korea for the first time. Local companies have also participated in major international food exhibitions, including SIAL Paris and the Global Traditional Food and Nutrition Products Expo, securing multiple cooperation agreements. Meanwhile, international recognition of "Datong Hao Liang" (Datong Good Grains), the city's regional agricultural brand, has continued to grow. (By Tang Yuxian) 
。
B | 8月18日上午，位于邯郸市永年区的沃途紧固件制造有限公司生产车间，机器轰鸣声中，一盘盘优质线材经过拔料、退火、冷墩、剪尾、搓丝等多道生产工序，蜕变成一颗颗钻尾螺丝。库房内，已经打包好的货箱整齐码放，这批订单将发往吉尔吉斯斯坦。
C | “这是今年发展的新客户，目前公司订单中海外市场份额占六成。”沃途公司经理赵博介绍，新客户每年以10%的速度递增，所以新上了一条产线。“吉尔吉斯斯坦的订单要得急，又赶上今年有的国家的订单没有及时提货，导致库存积压，周转资金有些紧张。
D | 刚好7月初农行省分行280万元的‘冀群贷’到期，我又申请了续贷，不到一个星期就办好了。
E | ”赵博说。解了赵博燃眉之急的“冀群贷”，是农行省分行开发的产业集群专属信贷产品。该产品发放对象为产业集群内的小微企业，采用“一项目一方案”形式，制定特色化客户准入方案，大大拓宽了小微企业客户服务覆盖面。贷款期限最长三年，最高额度为1000万元，只要符合标准，到期后还可享受无还本续贷服务，客户无需全额结清本金，省去了拆借过桥资金的成本。“‘冀群贷’办理手续便捷，贷款利率低，非常适合我们这种小微企业。
F | ”赵博回忆，他曾经有过一天内还1300万元本金的经历，当时到处找朋友借钱周转，那种压力记忆犹新。为助力全省107个县域特色产业集群做大做强，省委金融办聚焦产业集群融资难题，去年3月推出“授信服务下基层”活动，引导集群工作基础较好、参与程度较高的金融机构制定“一群一策”专属授信策略，满足集群内企业的差异化融资需求。永年区汇聚了10000余家紧固件生产销售企业，形成特色产业集群。农行永年支行深耕紧固件产业集群多年，经过系统梳理当地企业共性融资堵点，利用农行省分行开发的分行特色信贷产品“冀群贷”“冀时贷”“工商联企贷”“链e融”以及总行的“科技e贷”“微捷贷”“抵押e贷”等产品综合开展产业集群精准服务对接。与沃途公司一路之隔的固耐安工业股份有限公司，专注高端紧固连接与工程锚固关键零部件自主研发与规模化智造，是国内紧固件细分赛道拥有自主核心技术的民营企业。近年来，固耐安营业收入年均增长30%，产品远销全球100多个国家和地区。“钢材价格波动较大，企业需要在价格下行阶段储备原材料，因此必须保证有充足的流动资金。
G | 今年4月，我们申请了2000万元‘科技e贷’授信额度，保障经营周转需求。”公司财务经理曹加加介绍。作为专精特新“小巨人”企业，固耐安符合“科技e贷”最高档授信条件。“科技e贷”是农业银行面向科技型企业量身打造的信贷专属产品，贷款期限最长可达3年，抵质押模式贷款额度最高3000万元，信用方式贷款额度最高2000万元。农行省分行普惠金融事业部产品经理郜泽龙告诉记者，传统贷款产品要求有抵押物和担保，融资门槛高。“冀群贷”“冀时贷”“科技e贷”等产品则可以将公司流水、订单等数据作为授信依据，贷款流程简单、审批手续快捷，且同样享受无还本续贷政策。开展“授信服务下基层”活动以来，相关金融机构结合自身特色，创新开发出多款针对特色产业集群的专属信贷产品。
H | 其中，既有“宁晋电线电缆贷”“安平丝网贷”“高阳纺织贷”等本地化特色产品，又有依托产业链、供应链上核心企业推出的“订单贷”“应收账款质押贷”等金融产品。
I | 产业集群贷，“贷”出新动能。截至目前，相关金融机构共为4万余家集群企业发放贷款超700亿元。
J | 精准滴灌降低企业运营成本的同时，极大地激发了产业集群发展活力。（日报记者 马朝丽）。
Current article:http://v00.liejuexiaoqundiaopinchuan.pics/mwdfp/20260826/9846.html
Published on:00:29:07