In recent years, structural monetary policy tools have been launched frequently, fiscal interest discounts have been continuously increased, and the policy signals have been clear. However, how to convert the terms in the document into perceivable numbers on corporate financial statements tests each commercial bank's policy understanding and execution capabilities. Ping An Bank's strategy is clear: to understand the spirit of the policy and dive into the frontline of the industry - it has developed a path to improve both quality and quality in semiconductors, energy storage, new materials and other tracks. As of the end of June, Ping An Bank's manufacturing loans grew by 7.5%, technology loans grew by 8.7%, and agriculture-related loans grew by 12.8%, all significantly outperforming the bank's loan growth.
Syndicated loans hit technical breakpoints: precise alignment of refinancing tools with corporate needs
The story of a photoresist company in Xi'an is quite representative. This pioneer in the domestic alternative field has entered a critical period of technological research. The technical transformation project has been included in the list of key re-loan support, and many peers are following up on marketing. After catching this information in daily syndicate cooperation, Ping An Bank Xi'an Branch quickly intervened as the lead bank. Relying on the internal project pre-examination and special authorization mechanism, it completed everything from plan design to approval of accounts in one go, and finally loaned 210 million yuan. This capital is not a simple liquidity injection - it achieves a seamless connection between re-lending policy tools and the real needs of enterprises in the "stuck" link. Ji Guangheng, the president of the bank, previously stated publicly that the political and people-oriented nature of finance is precisely reflected in this precise drip irrigation.
Ten-million-level interest discounts support national strategic emerging industries: a leading enterprise in the industry consolidates its path
A Beijing technology company has built a new production line, which is a key national strategic emerging industry project. The practices of Ping An Bank Beijing Branch are worthy of attention: After signing a loan contract with the enterprise as a participating bank in 2023 and the introduction of the re-loan policy in 2024, the branch quickly connected, actively applied for re-loan support, superimposed financial discounts on equipment renewal loans, forming a policy "combination punch" that directly reduced bank-side capital costs and corporate interest expenses. The comprehensive financing cost of enterprises is at the lowest level in the industry. With precise drip irrigation of financial living water, the project will be put into mass production in 2025, consolidating my country's leading position in this field and strongly supporting the development of high-precision and cutting-edge industries in the capital. Understand the policies and understand the company. Ping An Bank has turned the document clauses into the roar of the production line.
Supply chain model breaks the theme: Say goodbye to "data but no quota", small and micro enterprises are no longer bound by chain owners
In addition to speeding up public services, the exploration of the inclusive end is also worth observing. Traditional supply chain finance is highly dependent on the credit of core enterprises, and a large number of upstream and downstream small and micro entities have long faced the embarrassment of "having data but no quota". Since 2025, supervision has clarified the direction of paying equal attention to both the credit of goods and the credit of data. Ping An Bank has immediately promoted product upgrades and created a capability system with online operations, model-based approvals, and automated account disbursements. In the first half of the year, the bank's domestic supply chain finance financing amounted to 821.057 billion yuan, a year-on-year increase of 5.3%; the direct discount business amounted to 747.959 billion yuan, a year-on-year increase of 29.2%.
From a single enterprise to the entire industrial chain, from capital investment to cost management, Ping An Bank is embedding itself in the real economy with more fine-grained services. In the next step, the bank will continue to focus on the five major tracks of advanced manufacturing, technological innovation, green and low-carbon, private small and micro enterprises, and rural revitalization, improve service efficiency with technological empowerment, and ensure that policy tools accurately reach the end. The two-way rush between finance and entities will ultimately fall on every policy delivery and every activated industrial chain node.
