Core Viewpoint - The development of cold chain logistics for agricultural products is essential for connecting production areas with markets, ensuring product quality, and increasing farmers' income. A robust cold chain logistics system is crucial for achieving traceability from farm to table and meeting consumer demand for high-quality fresh produce [1]. Group 1: Financial Support and Innovation - The Ministry of Agriculture and Rural Affairs plans to promote financial policy innovation to support the renovation of outdated cold chain logistics facilities and enhance technical upgrades through loan policies [1]. - Financial institutions are optimizing credit structures and innovating financial products to provide strong financial support for cold chain logistics construction, addressing challenges such as high investment and slow returns [1]. Group 2: Project Development and Implementation - In Yunnan, a project with an investment of 397 million yuan aims to build a modern cold chain storage and trading center, enhancing the functionality and structure of traditional agricultural product storage and trading [2]. - The Agricultural Development Bank in Wenshan has provided 66.1 million yuan in loans to ensure the project's progress aligns with funding needs, while also assisting in market expansion for agricultural products [2]. Group 3: Addressing Local Needs - In Hunan, a loan of 255 million yuan has been approved for a modern cold chain logistics infrastructure project, marking the start of significant improvements in local cold chain logistics capabilities [3]. - The project aims to address the shortcomings in cold chain logistics, facilitating better integration of agricultural production and sales, thus contributing to rural revitalization and high-quality economic development [3]. Group 4: Continuous Financial Empowerment - The construction of cold chain logistics is vital for enhancing the resilience and value of the agricultural supply chain, especially in regions with unique agricultural products [4]. - Financial institutions are encouraged to deepen their involvement in cold chain logistics, exploring sustainable business models to support high-quality development in this sector [5].

为提升服务效率与质量，银行业大力推进数字赋能。运用大数据、人工智能等新一代信息技术，推动科 技企业金融服务业务处理向数字化、智能化转型。通过整合企业的财务数据、研发投入数据、知识产权 数据以及市场交易数据等多维度信息，构建精准的企业画像，实现对科技企业的精准识别与筛选；利用 机器学习算法建立风险评估模型，更准确地评估企业风险状况，提升风险防控水平，解决传统信贷模式 下信息不对称、审批效率低等问题。 当下，科技创新已成为推动经济发展的核心动力。为积极响应国家创新驱动发展战略，银行业正不断强 化对科技创新领域的金融支持，致力于为科技企业的研发、成果转化等关键环节提供全方位、多层次的 金融服务，助力以科技创新引领新质生产力的蓬勃发展。 为了更好地服务科技企业，银行业纷纷对内部组织架构进行调整，建立起科技金融工作领导协调机制， 加强各部门间的统筹规划与协同合作。同时，在科技资源集聚的地区，设立科技金融专业或特色分支机 构。比如，中信银行在总行和12家分行设立科技金融中心，并遴选近200家科技金融先锋军支行，打造 出专业化敏捷体系，显著提升了对科技企业的专业服务能力。 在管理制度优化方面，银行业积极完善科技金融业务尽职 ...

其次，新兴支柱产业往往具有高投入、高风险、高回报的特点，需要大量的资金支持。银行可以通过加 大对新兴支柱产业的信贷投放，为其提供充足的资金保障。例如，开展银政对接、银企合作，对不同领 域新兴产业分类施策，健全生命周期产品服务体系。 再次，银行可以开展投贷联动业务，将股权投资与债权融资相结合，有效降低企业融资成本和银行风 险；探索开展供应链金融业务，围绕新兴支柱产业核心企业，为其上下游企业提供融资服务，促进产业 链的协同发展和整体竞争力的提升。 最后，银行自身不断进行数字化转型和创新发展，为助力培育新质生产力筑牢根基。例如，银行打破业 务部门与技术部门之间的壁垒，促进业务与技术的深度协同，使金融服务更好地满足市场需求；打造人 才队伍，培养和引进一批既懂金融又懂科技的复合型人才。 银行作为金融体系的重要组成部分，在助力培育新质生产力方面发挥着不可替代的作用。 助力培育新质生产力，是新时代赋予银行业的重要使命。通过创新金融产品和服务、支持新兴支柱产业 发展、助力传统产业转型升级等，银行能够为新质生产力的培育和发展提供强有力的金融支持，激发经 济增长新动能，推动高质量发展。笔者坚信，在未来的发展中，银行将继续积极探索 ...

近日，记者就金融机构在增强粮食安全金融保障方面的创新性金融服务和举措走访了产粮大省黑龙江， 探寻作为政策性银行的农发行黑龙江省分行的做法。 加大力度支持高标准农田建设 高标准农田是与现代农业生产和经营方式相适应的旱涝保收、高产稳产的耕地。高标准农田建设通过改 善农田基础设施和提升耕地质量，有效增强粮食综合生产能力，对于保障国家粮食安全具有重要意义。 中国人民银行、农业农村部近日联合印发的《关于加强金融服务农村改革推进乡村全面振兴的意见》强 调"增强粮食安全金融保障"，提出加大粮食和重要农产品稳产保供金融投入，深化高标准农田和农田水 利建设金融服务，加强农业新质生产力发展金融供给和优化多元化食物供给体系金融服务等四方面具体 措施。 截至目前，该分行累计投放农地贷款120亿元，农地贷款余额达到241.4亿元，农地贷款投放实现全省39 个国家黑土地保护重点县全覆盖。 为粮食企业"定制金融服务" 在"中国优质稻米之乡"黑龙江省五常市，当地稻米生产龙头企业五常市乔府大院农业股份有限公司的万 亩稻田长势喜人。企业运用先进的"智慧稻田物联网监控平台"，实时掌控气象、土壤、水质、风速、虫 情等多维度信息，实现数字化精准田间管 ...

自全国部署建立支持小微企业融资协调工作机制以来，国家金融监督管理总局江苏监管局（以下简 称"江苏金融监管局"）会同相关部门周密筹划、久久为功，推动金融资源、惠企政策精准高效直达广大 经营主体，促进全省小微企业金融可得性和满意度再上新台阶。 为助力企业发展转型，江苏金融监管局组织银行参与商务部门举办的"苏新消费""外贸优品中华行"等展 会活动，在活动中宣讲金融支持政策，帮助企业拓宽销售渠道，进一步提振消费活力。此外，还组织头 部电商平台开展交流活动，通过平台政策解读、实战案例分享、资源对接等形式，为企业拓宽市场提 供"数字良方"。 截至6月末，江苏小微企业贷款余额已达9.6万亿元，同比增长16.7%。 江苏金融监管局构建服务实体经济"五促进五优化"工作体系，开展科技型企业首贷扩面专项行动，推动 监管力量和金融资源向民营经济集聚；积极应对国际经贸形势变化，联合相关部门在小微融资协调机制 下成立外贸专项工作组，先后出台"深化协调机制加大外贸支持12条""加强对外贸易金融服务12条"等专 项政策，助力外贸企业保订单、拓市场。同时，会同江苏省市场监督管理局组织开展个体工商户分型分 类融资对接行动，针对生存型、成长型、发 ...

Core Viewpoint - The implementation of the financing coordination mechanism for small and micro enterprises has shown significant results, with banks providing substantial credit support to these businesses, addressing their long-standing financing difficulties [1][2]. Group 1: Implementation and Results - As of June 2025, over 90 million small and micro enterprises have been visited under the mechanism, with banks granting new credit of 23.6 trillion yuan and issuing new loans of 17.8 trillion yuan, of which 32.8% are credit loans [1]. - The mechanism aims to facilitate direct and efficient access to bank credit for small and micro enterprises, with a focus on appropriate interest rates [1][2]. - Financial institutions have established specialized teams and innovative products to support the mechanism's implementation, ensuring that credit reaches the grassroots level quickly and conveniently [1][2]. Group 2: Financial Institutions' Initiatives - Financial institutions are actively engaging in the mechanism by forming specialized teams to address the financing needs of small and micro enterprises, ensuring timely and precise connections [2][3]. - Various banks have developed tailored financial products, such as "Inclusive Micro Fast Loans" with a favorable interest rate of 3.3%, and have implemented measures to streamline loan approval processes [4][5]. - The Zhejiang Pinghu Rural Commercial Bank has initiated a "Thousand Enterprises and Ten Thousand Households" outreach program to understand the operational challenges faced by small enterprises and to collect financing needs [3][4]. Group 3: Future Directions and Recommendations - The effectiveness of the mechanism relies on collaboration among government, banks, and enterprises, with a focus on clear objectives and coordinated efforts [6]. - Recommendations include enhancing data sharing across departments, improving the credit system, and increasing financial support policies to lower the cost of inclusive finance [6][7]. - Financial institutions are encouraged to innovate credit products, improve service quality, and enhance information sharing to better meet the financing needs of small and micro enterprises [7].

Group 1 - The core viewpoint of the news is the issuance of the "Opinions on Strengthening Financial Services for Rural Reform and Promoting Comprehensive Rural Revitalization" by the People's Bank of China and the Ministry of Agriculture and Rural Affairs, which aims to enhance financial support for small farmers and new agricultural business entities [1][2] - The "Opinions" emphasize the need to expand credit loans and first-time loans for small farmers, addressing their financing challenges due to lack of collateral and credit history, thereby lowering financing barriers and costs [1] - The document highlights the importance of family farms and farmers' cooperatives in leading moderate-scale agricultural operations and proposes increased financial support for these entities to enhance their production standards and operational scale [1] Group 2 - The "Opinions" propose implementing policies such as entrepreneurial guarantee loans to support returning entrepreneurs, which will help create more job opportunities and increase farmers' income [2] - It emphasizes the need for innovative agricultural supply chain financial models to address the short supply chain and low added value issues in agriculture, encouraging core enterprises to support financing for various agricultural entities [2] - The document also suggests enriching the supply of financial products like bonds and wealth management tools to increase the property income of rural residents and new citizens [2] Group 3 - The successful implementation of these financial measures requires collaboration among government, banks, enterprises, and farmers to ensure effective delivery of financial services and strengthen the foundation for rural revitalization [3]

Core Viewpoint - The Ministry of Agriculture and Rural Affairs has signaled a strong push to enhance agricultural product consumption, emphasizing the importance of financial innovation to support cold chain logistics development [1][2]. Group 1: Financial Support for Cold Chain Logistics - Financial institutions are encouraged to create tailored credit products and service models that address the specific needs of cold chain logistics, focusing on key areas such as pre-cooling warehouses, refrigerated vehicles, and cold storage information systems [1]. - Loan terms may be extended, interest rates could be reduced, and flexible collateral options like "future revenue rights" pledges should be explored to lower financing barriers [1]. - For qualifying cold chain logistics companies, policies such as relending and interest subsidies can further reduce financing costs [1]. Group 2: Insurance and Risk Management - Financial institutions can pilot a combination of "insurance + credit" by developing new insurance products like cold chain logistics liability insurance and agricultural product price index insurance to mitigate operational risks and enhance credit lending willingness [1]. - The use of blockchain technology to create "supply chain finance" products can provide financing support to core enterprises and their upstream and downstream small and micro enterprises, addressing the "financing difficulty" issue [1]. Group 3: Technological Empowerment - Financial institutions can leverage big data, artificial intelligence, and the Internet of Things to monitor key data such as storage temperature, transportation routes, and product quality in real-time, thereby constructing precise risk control models [1]. - This technological approach aims to provide cold chain logistics companies with more reasonable credit limits and safer financial services [1]. Group 4: Collaborative Ecosystem - Financial institutions are encouraged to collaborate with local governments, leading agricultural enterprises, and industry associations to build a multi-party cooperation ecosystem of "finance + industry" [2]. - The continuous empowerment of finance is essential for addressing challenges such as "disconnection" and "high loss rates" in cold chain logistics, ultimately ensuring that more quality agricultural products reach consumers efficiently and safely [2].

（文章来源：证券日报） 8月8日晚间，际华集团股份有限公司（以下简称"际华集团"）披露公告，称际华集团于8月8日收到中国 证券监督管理委员会（以下简称"中国证监会"）下发的《立案告知书》，因公司涉嫌信息披露违法违 规，根据《中华人民共和国证券法》《中华人民共和国行政处罚法》等法律法规，中国证监会决定对公 司立案。 公告显示，目前际华集团各项经营活动和业务均正常开展，在立案调查期间，际华集团将积极配合中国 证监会的相关调查工作，并严格按有关法律法规等规定履行信息披露义务。 同花顺数据显示，际华集团股票在8月7日以及8月8日连续两个交易日涨停。截至8月8日收盘，际华集团 报5.28元/股，公司总市值为231.88亿元。 ...

公开资料显示，Lightnet是正大集团旗下金融科技平台。该公司2024年平台交易额已突破150亿美元，服 务超过100家金融机构及20余万商户。值得关注的是，除正大集团深度赋能外，Lightnet此前已获得大华 银行、SevenBank、韩华投资和HashKey等机构1.5亿美元联合投资。 宜搜科技创始人兼CEO汪溪和Lightnet董事长兼创始人谢展在泰国曼谷举行的签约仪式上就双方合作机 会深入交流。汪溪先生表示，此次战略合作将充分发挥宜搜科技在人工智能、数字内容生态及用户规模 方面的优势，结合Lightnet在Web3金融科技与跨境支付解决方案的专业能力，并依托正大集团的全球商 业网络，共同推进RWA资产数字化和新能源领域的创新应用落地。 本报讯 （记者矫月）8月7日，宜搜科技控股有限公司（以下简称"宜搜科技"）宣布了对泰国正大集团 旗下金融科技公司LightnetGroup（以下简称"Lightnet"）的500万美元战略投资。公司表示，此举标志着 宜搜科技全球化战略的实质性推进，未来双方将在RWA（现实世界资产）赛道展开深度合作。 业内人士分析，随着全球数字资产监管框架的不断完善和资产上链需求的爆发 ...