The smooth operation and resilience of the industrial chain are key indicators of the effectiveness of financial services to the real economy. Currently, my country's economy has shifted from a phase of high-speed growth to one of high-quality development. The recent Central Economic Work Conference clearly proposed "implementing a new round of high-quality development actions for key industrial chains," emphasizing the need to "deepen and expand 'artificial intelligence+' and improve AI governance" and "innovate science and technology financial services." Under this strategic guidance, how finance can upgrade from "point-based" support to individual enterprises to "chain-based" empowerment of the entire industrial chain is not only related to enhancing regional industrial competitiveness but also directly related to the construction of a modern national industrial system and the accelerated formation of new productive forces.
Rooted in the Guangdong-Hong Kong-Macao Greater Bay Area, a forefront of reform and opening up, Jiujiang Bank's Guangzhou Branch has a deep understanding of the central government's directives and the pulse of regional development. It has made industrial finance a core strategic direction for its transformation and development, focusing on key industrial clusters such as steel, non-ferrous metals, and biomedicine. The branch strives to deeply embed financial services into core aspects of industrial operations, including R&D, procurement, production, and sales. Through more penetrating, synergistic, and forward-looking comprehensive financial solutions, the bank is putting into practice the political and people-oriented nature of its financial work, helping the real economy move towards a "new" future along the innovation and value chains.
Shifting Logic: From "Looking at Enterprises" to "Understanding Industries"—Strengthening the Political Responsibility of Financial Services
Unlike traditional credit models centered on enterprises, the key to modern industrial finance lies in "understanding the industry, being able to enter the scenario, and stabilizing the supply chain." Jiujiang Bank's Guangzhou branch, focusing on Guangdong's manufacturing system and key industries, takes the industrial chain as its service focus, promoting a shift in financial services from "passive response" to "proactive embedding," effectively improving the match between financial supply and industrial demand.
Building upon this foundation, Jiujiang Bank's Guangzhou branch has gradually constructed an industrial financial service system covering four major categories and fourteen sub-application scenarios. It innovatively implements a "broad credit granting, strict credit utilization" mechanism, combining customized supply chain finance solutions to precisely allocate financial resources to the core nodes and key links of the industrial chain. Simultaneously, relying on its self-built industrial finance platform, it integrates data from logistics, information flow, capital flow, and commerce flow to continuously improve the professionalism and digitalization of credit granting decisions and risk management, ensuring that financial services truly align with the real operational dynamics and cyclical patterns of the industry.
Data provides the most compelling evidence of its effectiveness. As of the end of November 2025, Jiujiang Bank's Guangzhou branch had an outstanding industrial finance credit line of 3.879 billion yuan, a manufacturing loan balance of 3.09 billion yuan, and a technology enterprise loan balance of 1.615 billion yuan, serving 244 technology-based enterprises. A differentiated service model based on in-depth industry understanding and characterized by scenario-based services has gradually matured, becoming a vivid example of local financial institutions serving national strategies and supporting the high-quality development of the real economy.
Integrated Innovation: Unleashing the Growth Potential of Specialized, Refined, and Innovative Enterprises to Support the Self-Reliance and Self-Improvement of Technology Companies
Downstream in the industrial chain, specialized and innovative enterprises often possess technological and R&D advantages, serving as a vital force for innovation. In the process of continuously upgrading products and expanding production capacity, the requirements for the precision and adaptability of financial services are higher, which has become a key focus for industrial finance innovation at Jiujiang Bank's Guangzhou branch.
Jiujiang Bank's Guangzhou branch serves the development of Guangdong Jianbao Cable Co., Ltd. with an "industry + policy + finance + technology" model.
Guangdong Jianbao Cable Co., Ltd., a national-level specialized and innovative "little giant" enterprise, is a case in point. Recognizing the high value, frequent procurement, and volatile prices of raw materials (copper) in the wire and cable industry, Jiujiang Bank's Guangzhou branch broke away from traditional lending practices. It innovatively applied an integrated model of "industry + policy + technology + finance," using a production-finance platform to analyze the company's operating data, raw material price trends, and supply chain dynamics in real time. This allowed them to tailor a comprehensive financial service solution that matched the company's procurement cycle, precisely aligning with its raw material procurement schedule and capacity expansion plans. This effectively alleviated the company's working capital pressure, ensuring that it could continuously invest more resources in core technology breakthroughs and high-end product development.
This service model, based on industrial scenarios and supported by digital technology, transforms financial support from a simple "blood transfusion" into a "partner-style" empowerment deeply integrated into the entire lifecycle of enterprises. It provides long-term financial guarantees for the technological iteration, market expansion, and scale leap of specialized and innovative enterprises, accelerating the efficient transformation of scientific and technological achievements into real and new productive forces. The practice of Jiujiang Bank's Guangzhou branch fully demonstrates that only by deeply embedding financial services into the entire process of enterprise innovation and development can the growth potential of specialized and innovative enterprises be truly stimulated, providing a continuous source of innovative power for the high-end, intelligent, and green transformation of the industrial chain.
Collaborative Empowerment: Stabilizing a Key Link in Industry to Serve the Overall Situation of Coordinated Regional Development
In the non-ferrous metals industry chain, midstream enterprises play a pivotal role in connecting upstream and downstream sectors, and their operational efficiency directly impacts the stability of the entire industry chain. Meizhou Guangmeiyuan Copper Industry Co., Ltd., as a key enterprise in the midstream of the copper rolling industry chain, relies on a collaborative operation model of "state-owned enterprise + private enterprise" to establish long-term and stable cooperative relationships with upstream and downstream private manufacturing and processing enterprises, making it an important node in regional industrial synergy.
Jiujiang Bank's Guangzhou branch actively integrates into the national regional coordinated development strategy and responds to Guangdong Province's policy guidance on supporting Meizhou's development as a pilot zone for the integration of the former Central Soviet Area of Jiangxi, Fujian, and Guangdong into the revitalization and development of the Guangdong-Hong Kong-Macao Greater Bay Area. Addressing the company's urgent funding needs in raw material procurement and production turnover, the bank provided it with a comprehensive credit line of 145 million yuan and has already disbursed the first tranche of 80 million yuan in working capital loans.
This project was efficiently implemented under the overall coordination of the Meizhou Municipal Government and the Guangzhou-Meizhou counterpart assistance and cooperation command center. The Guangzhou-Meizhou command center innovatively explored a "three-pronged collaboration" model, leveraging the credit advantages of the state-owned Meizhou Guangmeiyuan Copper Industry Co., Ltd. in financing and resource integration, and the technological and efficiency advantages of the private enterprise Shengxin New Materials Co., Ltd. in production operations and market response. This model precisely embedded financial support into key aspects such as raw material procurement and production turnover, effectively reducing the capital tied-up costs for Meizhou copper foil enterprises. It formed a powerful synergy of government, enterprises, and banks to support the real economy and stabilize and strengthen the industrial chain. This not only injected strong financial momentum into the development of characteristic industries in the old revolutionary base area but also demonstrated the responsibility of finance in supporting common prosperity and serving coordinated regional development. With the significant improvement in the capital turnover capacity of core enterprises, the operational stability of upstream and downstream enterprises has simultaneously increased, making the copper rolling industry chain operate more smoothly and efficiently. This transaction not only provided strong financial support for Meizhou to promote the cluster development of the copper rolling industry and build itself into the "Capital of Copper Foil in China", but also helped the characteristic industries of the old revolutionary base area to deeply integrate into the industrial system of the Guangdong-Hong Kong-Macao Greater Bay Area, consolidated the industrial foundation for the transformation and upgrading of the real manufacturing industry and the cultivation of new quality productivity, and achieved the organic unity of economic and social benefits.
Breakthrough in Scenario: Responding to the Call of Strategic Emerging Industries and Serving the Construction of a Modern Industrial System
Currently, Guangzhou is actively promoting the development of the biopharmaceutical industry, striving to create a world-class biopharmaceutical industry cluster through policy support and industrial agglomeration. In strategic emerging industries such as biopharmaceuticals, the rapid growth of enterprises and the complexity of business scenarios are forcing financial services to continuously optimize in terms of response efficiency and professional matching. Jiujiang Bank Guangzhou Branch is responding to the needs of industrial development with scenario-based financial innovation.
As a key player in the pharmaceutical distribution sector of the Guangdong-Hong Kong-Macao Greater Bay Area, Guangdong Jiyao Pharmaceutical Co., Ltd. is a regional pharmaceutical distribution company specializing in the wholesale, warehousing, logistics, and supply chain services of pharmaceuticals and medical devices. During its rapid business expansion, the company faced increased demands for efficient financial management in procurement and warehousing. Jiujiang Bank's Guangzhou branch keenly recognized this need and quickly launched a customized service plan for the pharmaceutical industry, catering to the "multi-batch, small-amount, and fast-turnover" financing characteristics of the pharmaceutical distribution sector. Through an integrated process of "on-site due diligence + online approval + chain-style risk control," the bank rapidly conducted an in-depth analysis of the company's operations and, in conjunction with its upstream suppliers and downstream customers, issued a 27 million yuan working capital loan. This helped the company optimize its capital structure, stabilize its business scale, and better integrate into the Greater Bay Area's biopharmaceutical industry supply chain system, demonstrating the agile response and professional service capabilities of local financial institutions serving national strategic emerging industries.
Ecosystem Co-construction: Extending the Value Radius of Financial Services and Creating a New Pattern of Synergistic Development of Industry and Finance
The ultimate value of industrial finance lies in optimizing the industrial ecosystem and enhancing overall efficiency. Jiujiang Bank's Guangzhou branch not only serves individual businesses and facilitates supply chains, but also actively builds an "ecosystem," continuously extending financial services deeper into the industrial chain.
Focusing on key industrial chains, the bank proactively built exchange platforms, successively holding a series of industrial finance salons such as "Digital Finance Connects the Steel Industry to the Future," inviting government officials, core enterprises, upstream and downstream suppliers, research institutions, and financial institutions to discuss and promote information sharing, technology matching, and resource collaboration within the industry. A healthy industrial ecosystem, centered on core enterprises, radiating across upstream and downstream sectors, with deep participation from financial institutions and efficient allocation of technological resources, is rapidly taking shape.
Standing at a crucial juncture in the planning and layout of the "15th Five-Year Plan," Jiujiang Bank's Guangzhou Branch will continue to uphold its market positioning as a city commercial bank "serving urban and rural residents, serving SMEs, and serving the local economy." Guided by the strategy of "industry + policy + technology + finance," the branch will focus on key areas for cultivating new productive forces and continuously deepen customized services and scenario-based financial innovation. In the future, the bank will further improve its industrial financial service system, enhance its digital and professional service capabilities, strengthen the collaborative linkage between government, enterprises, and banks, and continue to exert its efforts in key industries such as steel, non-ferrous metals, and biomedicine, making the industrial foundation more stable and innovation more robust. Simultaneously, it will actively integrate into the construction of the Guangdong-Hong Kong-Macao Greater Bay Area international financial hub, explore new models of cross-border industrial financial cooperation, inject more stable and sustainable financial momentum into the high-quality development of the real economy, and write a more brilliant chapter in serving national strategies and promoting regional development. (Xiang Han)
(Data source: Jiujiang Bank Guangzhou Branch)
