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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

卡萨布兰卡

A | 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。 The Deol family celebrated what would have been Dharmendra's 90th birthday in an emotional and touching manner, as Sunny Deol and Bobby Deol greeted fans outside their Juhu residence yesterday. The brothers organised a special fan interaction to honour their late father’s legacy. Images and footage from the event quickly were shared online, showing the brothers thanking the fans who had arrived to honour them. Fans had assembled early in the day, bringing with them cherished memories and affection for Dharmendra, and the brothers came out to express their gratitude for the immense love and respect. Online clips show Sunny and Bobby respectfully greeting the crowd with folded hands, acknowledging the affection shown for their late father. The gathering soon became a touching tribute as Sunny and Bobby were seen consoling an emotional fan. They listened attentively as the fan spoke, offering a warm embrace and kind words of consolation. Eventually, they posed for photographs with her before proceeding to greet the other fans awaiting their turn. More photographs and videos from the event also show touching moments from the event. Sunny and Bobby are seen shaking hands, smiling, and engaging cordially with fans who had assembled outside the family residence to commemorate Dharmendra's life. View this post on Instagram A post shared by Sanatani Bhushan Pillay (@pillaybhushan502) Members of Dharmendra's family, including Hema Malini, Sunny Deol, Bobby Deol, Esha Deol, Abhay Deol, and Karan Deol, shared heartfelt tributes on social media in honour of his 90th birth anniversary. Hema Malini conveyed a long and emotional message on X, saying, “Dharam ji, Happy birthday my dear heart. More than two weeks have passed since you left me heartbroken, slowly gathering up the pieces and trying to reconstruct my life, knowing that you will always be with me in spirit. The joyful memories of our life together can never be erased and just reliving those moments bring me great solace and happiness. I thank God for our lovely years together, for our two beautiful girls who reaffirm our love for each other and for all the beautiful, happy memories that will remain with me in my heart. My prayers for God to grant you the wealth of peace and happiness that you richly deserve for your humility and goodness of heart and your love for humanity. Happy birthday dear love.”Also Read: Apne 2 Not Shelved, Confirms Producer Deepak Mukut。

B | “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。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。”赵博说。

C | 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。

D | 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。”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。

E | 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。

F | 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。

G | “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。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。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。