专业筑基、创新领航：探寻苏州银行的价值增长密码

Professional Foundation and Innovation Leadership: Exploring the Value Growth Code of Suzhou Bank

【环球网财经综合报道】2025年4月28日晚，苏州银行正式发布2024年度业绩报告及2025年一季度报告，集团总资产突破7271亿元，各项存款4630.14亿元，各项贷款3628.90亿元，穆迪评级跃升至投资级，全球银行排名攀升至第253位。这一成绩的背后，是苏州银行在“生态协同、创新驱动、专业服务”发展下取得的实践成果，更彰显其服务国家战略、深耕区域经济的使命担当。

Global Times Finance Comprehensive Report: On the evening of April 28, 2025, Suzhou Bank officially released its 2024 annual performance report and the first quarter report of 2025. The group's total assets exceeded 727.1 billion yuan, with various deposits reaching 463.014 billion yuan and various loans reaching 362.89 billion yuan. Moody's rating rose to investment grade, and its global bank ranking climbed to 253rd place Behind this achievement lies the practical results that Suzhou Bank has made under the ecological collaborative innovation-driven professional service development, and it further highlights its mission and responsibility to serve the national strategy and deeply cultivate the regional economy

“生态圈”专属方案：开放协同强化价值共创

Exclusive ecosystem solution: Open collaboration to enhance value co-creation

当科创企业手握专利却难换贷款，急需资源却难寻系统服务时，金融机构如何助企破题？苏州银行近三年助推30余家企业成功上市的成绩单背后，暗藏着一套科创金融的专属“解题方程式”。该行在“产品经理+风险经理+客户经理”的科创“铁三角”工作机制支撑下，以“生态联盟+数字平台+协同机制”三位一体发展驱动，加强跨部门协同联动，形成覆盖客户全生命周期的服务闭环。通过整合政府、园区、创投、律所等资源，搭建“GOAI生态圈”，提供“股权+债权”“授信+非授信”“金融+非金融”“融资+融智”的系统集成一站式服务，创新“投贷联动”模式，以生态化打法持续扩展科创金融服务半径。

When science and technology innovation enterprises hold patents but struggle to obtain loans, and are in urgent need of resources but have difficulty finding systematic services, how can financial institutions help these enterprises solve the problems? Behind the achievements of Suzhou Bank in successfully facilitating the listing of over 30 enterprises in the past three years lies a dedicated solution formula for science and technology innovation finance. Supported by the "Science and Technology Innovation Iron Triangle" working mechanism of product managers, risk managers and customer managers, the bank has adopted an ecological alliance and digital platform collaboration mechanism Driven by the three-in-one development, we strengthen cross-departmental collaboration and interaction to form a service closed loop covering the entire customer life cycle. By integrating resources such as government parks, venture capital, and law firms, we build the GOAI ecosystem to provide a one-stop system integration service for equity, debt, credit, non-credit, finance, non-finance, financing, and intelligence, and innovate investment and loan linkage The model is to continuously expand the radius of science and technology innovation financial services with an ecological approach

例如，该行针对科创企业推出“科创指数贷”，这项把技术专利、人才团队等“软实力”转化为融资“硬通货”的创新，已精准输血超12000家科创企业，授信总额突破1200亿元。同时，数字化平台建设是该行协同增效的关键引擎：成为全省首家以受理服务机构身份成功接入数币央行端系统的城商行，升级全线上化、智能化、数字化、可定制化的供应链平台“苏行e链”，获得“年度卓越数字化供应链综合金融服务平台”奖项。

For instance, the bank has launched the Science and Technology Innovation Index Loan for science and technology innovation enterprises. This innovation, which converts soft power such as technology patents and talent teams into hard currency for financing, has precisely provided financial support to over 12,000 science and technology innovation enterprises, with a total credit line exceeding 120 billion yuan Meanwhile, the construction of a digital platform is the key engine for the bank's collaborative efficiency improvement: It became the first city commercial bank in the province to successfully connect to the central bank's digital currency terminal system as a service acceptance institution, upgraded the fully online, intelligent, digital and customizable supply chain platform, Suhang e-Chain, and won the award for the annual outstanding digital supply Chain Comprehensive financial Service Platform

创新产研融合“智囊团”：前瞻布局响应新形势

Innovative Industry-Research Integration Think tank: Forward-looking layout to respond to the new situation

在紧跟国家政策导向与发展趋势下，区域银行该如何以“战略穿透力”破解系统性难题？苏州银行通过深耕行业研究，聚焦重点领域，精准推出“五个一批”综合金融服务方案支持苏州工业园区深化开放创新，发布“345”行动助力营商环境优化，以“五维十策”专项举措为外贸企业提供汇率避险、跨境融资等综合解决方案。同时，前瞻研判“双碳”趋势，充分发挥政策资金杠杆效应，支持清洁能源领域发展。面对苏州市“1030”产业体系蓝图，该行锁定高端装备制造、新一代信息技术等六大战略赛道，以 “三计划”（伴飞、展翅、领航）分层扶持企业成长，开发“苏心科创力”专属评价模型，为科创企业赋予“价值动态身份证”。

Under the guidance of national policies and development trends, how can regional banks solve systemic problems with strategic penetration? Suzhou Bank, through in-depth industry research and focusing on key areas, has precisely launched a batch of five comprehensive financial service plans to support the deepening of opening up and innovation in Suzhou Industrial Park. It has also released the 345 Action Plan to optimize the business environment, providing comprehensive solutions such as exchange rate hedging and cross-border financing for foreign trade enterprises with the five-dimensional and ten-policy special measures. Meanwhile, it has made forward-looking predictions on the dual carbon goals In response to the 1030 industrial system blueprint of Suzhou City, the bank has focused on six strategic tracks including high-end equipment manufacturing and new-generation information technology. It provides stratified support for the growth of enterprises through three plans (accompanying flight, spreading wings, and leading the way), and has developed a dedicated evaluation model for Suzhou Xin's scientific and technological innovation capabilities to endow scientific and technological innovation enterprises Value dynamic identity Card

当金融服务深度嵌入城市发展肌理，或许才是区域性银行突围高质量发展的密钥所在。该行聚力“民生+财富”发展引擎，积极响应国家扩大内需政策，推出“促消费、惠民生”系列方案，助力本土消费市场回暖。成为储蓄国债承销团新成员，财富管理规模持续扩容，加快推进资质牌照申设，持续深化银租联动，稳步推进村镇银行改革，提升苏新基金投、研、交专业能力，填补江苏省公募基金空白，完善综合金融服务版图。

When financial services are deeply integrated into the urban development fabric, it might be the key for regional banks to break through and achieve high-quality development. This bank focuses on the development engine of people's livelihood wealth, actively responds to the national policy of expanding domestic demand, and launches a series of plans to promote consumption and benefit people's livelihood, helping the local consumer market recover As a new member of the savings Treasury bond underwriting syndicate, the scale of wealth management has continued to expand. We are accelerating the application for qualification licenses, continuously deepening the linkage between banks and leasing, steadily advancing the reform of village and town banks, enhancing the professional capabilities of investment research and exchange of Suxin Fund, filling the gap of public funds in Jiangsu Province, and improving the comprehensive financial service map

全周期需求适配：打造“苏心”品牌服务矩阵

Full-cycle demand adaptation: Building the Su Xin brand service matrix

“融资成本高过利润”是当前小微企业的普遍焦虑，折射出普惠金融的碎片化痛点，苏州银行依托“苏心·融享智惠”特色产品体系，上线信用产品“苏心惠”、泛场景供应链产品“票链贷”，并将苏州地区“征信贷”产品向江苏省内其他地区复制推广。围绕供应链、科创、抵押、征信、场景“五大客群方向”，以3.77%的平均投放利率，助力小微企业破解融资难题，并全新构建“苏心零售”品牌体系，2024年获零售银行杂志社“TOP10城商银行零售银行奖”。

The common anxiety of small and micro enterprises at present is that the financing cost is higher than the profit, which reflects the fragmented pain point of inclusive finance. Relying on the characteristic product system of Su Xin · Rong Xiang Zhi Hui, Suzhou Bank has launched the credit product Su Xin Hui pan-scenario supply chain product Ticket Chain Loan, and replicated and promoted the credit product in Suzhou area to other regions in Jiangsu Province, focusing on supply chain science and technology innovation With five major customer groups in the mortgage credit investigation scenario and an average investment interest rate of 3.77%, it helps small and micro enterprises solve financing problems and newly builds the Su Xin retail brand system. In 2024, it won the Retail Bank Award of the TOP10 City Commercial Banks by Retail Banking Magazine

“苏心生活”权益平台则成为该行链接民生与金融的“超级入口”，通过完善客户圈层圈群经营体系，以客群专区、定向场景专区为主阵地，联动本地优质政企资源，打造特约商户、联盟会员等板块，为客户提供更多元、更优质的场景服务，平台注册用户超20万户，陆续开展各类活动近200场。三代社保卡累计发卡超470万张，打造“先诊疗后付费”等智慧服务标杆，针对银发客群发布“苏心康养”养老金融品牌，创新升级“幸福里”康养俱乐部与“银龄通”服务，尊老卡发卡近35万张，树立适老化服务典范，智能时代助力银发一族跨越“数字断崖”。

The Su Xin Life Rights Platform has become a super entry point for the bank to connect people's livelihood and finance. By improving the customer circle and group operation system, taking the customer group zone and targeted scene zone as the main battlefield, and linking local high-quality government and enterprise resources, it has created sections such as the special merchant alliance member, providing customers with more diverse services With more high-quality scene services, the platform has over 200,000 registered users and has successively held nearly 200 various activities. The cumulative issuance of the third-generation social security card has exceeded 4.7 million. It has created smart service benchmarks such as "treatment first, payment later", launched the Su Xin Health and elderly Care financial brand for the elderly customer group, and innovatively upgraded the Xingfu Li Health and Elderly Care Club and Yinling Tong The service has issued nearly 350,000 senior citizen cards, setting a model for elderly-friendly services. In the intelligent era, it helps the silver-haired generation overcome the digital cliff

从资产规模新突破到科创跨境双线发力，从生态协同纵深推进到民生服务深入人心，苏州银行正在与区域发展同频共振中筑牢客户基础，以精细化管理不断夯实发展基盘，为城商行高质量发展提供了“量质平衡”的范本。在银行业竞争加剧的背景下，其深耕区域、聚焦实体的战略定力，或将成为新一轮增长的关键支撑。（一言）

From new breakthroughs in asset scale to the dual-track efforts in cross-border science and technology innovation, from the in-depth advancement of ecological collaboration to the in-depth understanding of people's livelihood services, Suzhou Bank is strengthening its customer base in harmony with regional development, continuously consolidating its development foundation through refined management, and providing a model of balanced quantity and quality for the high-quality development of city commercial banks. Against the backdrop of intensified competition in the banking industry, it has been deeply engaged in regional development The strategic determination to focus on the real economy may become a key support for the next round of growth