Core Viewpoint - Construction Bank's Fujian Branch is enhancing inclusive financial services for small and micro enterprises, focusing on increasing accessibility and convenience, thereby supporting high-quality development of these businesses [1][2][3]. Group 1: Financial Support and Products - Since the beginning of the 14th Five-Year Plan, Construction Bank's Fujian Branch has issued a total of 792.3 billion yuan in inclusive loans, with the new loans for small micro enterprises having an interest rate of 3.2%, which is over 1.05 percentage points lower than before the LPR reform [1]. - The bank has introduced a "white list" mechanism for technology companies, allowing for credit loans of up to 2 million yuan, with interest rates nearly 20% lower than the previous year [2]. - The bank has developed over 30 tailored financing products, including "Technology Precision Loan" and "Merchant Cloud Loan," focusing on the unique needs of small micro enterprises and individual businesses [3]. Group 2: Digital Transformation and Efficiency - The bank has implemented a "green approval" process, enabling companies like Putian Wanxie Precision Mould Co., Ltd. to secure loans quickly, such as a 10 million yuan "Factory Quick Loan" [4]. - The "Hui Dong Ni" app has evolved from version 1.0 to 4.0, providing integrated services for financing, account settlement, wealth management, and personalized products, making the loan process as convenient as online shopping [4]. - The bank has established a specialized coordination mechanism for small micro enterprise financing, enhancing collaboration with government departments and industry associations to create an efficient service model [4][5]. Group 3: Cost Reduction and Transparency - The bank has introduced a "loan clarity paper" that outlines all costs associated with loans, helping businesses understand their financial obligations and reducing overall financing costs to 2.85% [6][7]. - The average weighted interest rate for new loans issued by the bank has decreased by 27 basis points year-on-year, reflecting the bank's commitment to reducing financing costs for small micro enterprises [7]. - The bank is actively promoting the "no principal renewal loan" policy and has streamlined the renewal process to be fully online, significantly alleviating the financial pressure on enterprises [7].

转自：新华财经 作为一家没有线下网点的科技银行，网商银行是业内探索AI技术的排头兵。网商银行行长冯亮表示，要用AI解决行业的真问题，比如小微企业的中大额贷 款服务不稳定、银行理财收益稳定性尚未满足用户期待、金融营销打扰过多引发用户厌烦等。 新华财经9月12日电（记者 王淑娟）RWA（真实世界资产）、通证经济、数字员工……随着AI加速从"技术探索"迈向"产业落地"，金融行业作为数据密集、 场景丰富的领域，已成为AI技术应用的"主阵地"。作为亚洲三大顶级金融科技盛会之一，2025 INCLUSION·外滩大会以"重塑创新增长"为主题，金融科技依 然是当中的"主打"议题。 "AI原生时代，旧地图上没有新大陆。"这句出现在本届外滩大会上的圆桌讨论标题，阐释了金融科技带来的不仅是工具的革新，更是整个金融生态模式的范 式变革。 秀实力，AI大模型给金融带来全新能力 AI对于金融业的改变不是遥远的概念，而是正在发生的现实。 "我们赶上了AI的红利。两年前，AI只能解决部分问题，但真正对人效的提升是不够的。而现在不管是AI大模型的能力，还是对我们业务效率的提升，都达 到了一个新高度。"众安保险车险事业部负责人焦英俊告诉记者， ...

转自：新华财经 做好"五篇大文章"，是当前金融系统服务实体经济、推动高质量发展的重要使命。随着"双碳"目标的深入推进与科技创新的加速发展，"绿色金融"与"科技 金融"深度融合、交相辉映，呈现出"你中有我、我中有你"的共进状态。在这一背景下，那些处于"绿色"与"科技"交叉地带的新兴产业，正成为驱动经济转 型的重要引擎。 近期，建设银行成都第三支行成功为成都市某高新技术企业发放技术改造贷款1.5亿元，该笔贷款成功认定为绿色贷款，并通过了人民银行技术改造再贷款 审核，实现科技金融与绿色金融政策红利深度融合，企业融资成本下降约60%。 建行成都三支行为该高新企业定制金融服务方案讨论会现场 建行成都第三支行获悉该重点高新技术企业计划打造一座全新的智慧工厂，涉及大规模的定制化厂房建设和先进设备购置，支行服务团队主动上门对接，量 身定制综合金融服务方案。由于企业定制化厂房符合绿色三星建筑标准，支行还为其申请绿色信贷认定，进而降低企业融资成本。 "更值得一提的是，它还用到了人行的技术改造再贷款这一结构性货币政策工具。我在参与办理的过程中深切体会到，这笔贷款不只是一串数字，更是在搭 建一座连接宏观政策与微观市场的桥梁。"建行客 ...

转自：新华财经 在四川省凉山彝族自治州，大自然馈赠的阳光普照大地。一处光伏项目正在建设，未来，阳光将在这里 转化为点亮千家万户的清洁电能。 建设银行成都新华支行成功向四川某能源公司投放3600万元绿色贷款，专项用于该光伏发电项目建设。 这笔资金的注入，不仅为项目按期推进提供了关键支撑，更是建行四川省分行服务国家"双碳"战略、助 力四川绿色能源发展的又一坚实举措。 这项光伏发电项目对于节能减排有何积极意义？据测算，该项目建成后，预计每年可节约标准煤5.16万 吨，减少二氧化碳排放14.14万吨，为凉山州风电基地和四川省"三州一市"光伏发电基地建设贡献力 量。 "时间"是横亘在建行新华支行团队面前的难题。面对挑战，建行展现出高效的专业素养和协同能力。在 建行四川省分行统筹下，迅速建立"分行—支行—企业"沟通机制，专人对接确保信息无缝流转、及时反 馈，并为该项目制订了包含项目前期贷款、针对固定资产项目的供应链融资产品E建通、基本建设贷款 等的组合贷款方案。此外团队充分发挥专业能力，快速高效地完成资料分析与整理，并通过差异化授信 策略，为该项目开启审批"绿色通道"，确保了这笔绿色贷款得以在需求时间内成功投放，解了项目 ...

转自：新华财经 新华财经北京9月12日电 据人民银行初步统计，2025年8月末社会融资规模存量为433.66万亿元，同比增 长8.8%。其中，对实体经济发放的人民币贷款余额为265.42万亿元，同比增长6.6%；对实体经济发放的 外币贷款折合人民币余额为1.19万亿元，同比下降21%；委托贷款余额为11.15万亿元，同比下降0.6%； 信托贷款余额为4.49万亿元，同比增长5.5%；未贴现的银行承兑汇票余额为2.12万亿元，同比下降 4.1%；企业债券余额为33.47万亿元，同比增长3.7%；政府债券余额为91.36万亿元，同比增长21.1%； 非金融企业境内股票余额为11.99万亿元，同比增长3.4%。 从结构看，8月末对实体经济发放的人民币贷款余额占同期社会融资规模存量的61.2%，同比低1.2个百 分点；对实体经济发放的外币贷款折合人民币余额占比0.3%，同比低0.1个百分点；委托贷款余额占比 2.6%，同比低0.2个百分点；信托贷款余额占比1%，同比低0.1个百分点；未贴现的银行承兑汇票余额占 比0.5%，同比低0.1个百分点；企业债券余额占比7.7%，同比低0.4个百分点；政府债券余额占比 21.1 ...

转自：新华财经 编辑：幸骊莎 新华财经北京9月12日电 据人民银行初步统计，2025年前八个月社会融资规模增量累计为26.56万亿元， 比上年同期多4.66万亿元。其中，对实体经济发放的人民币贷款增加12.93万亿元，同比少增4851亿元； 对实体经济发放的外币贷款折合人民币减少816亿元，同比少减767亿元；委托贷款减少855亿元，同比 多减307亿元；信托贷款增加1942亿元，同比少增1614亿元；未贴现的银行承兑汇票减少223亿元，同比 少减2566亿元；企业债券净融资1.56万亿元，同比少2214亿元；政府债券净融资10.27万亿元，同比多 4.63万亿元；非金融企业境内股票融资2669亿元，同比多1093亿元。 ...

转自：新华财经 编辑：张震 今年以来，针对乌兰察布铁合金产业转型需求，光大银行专项制定"绿色金融服务方案"，聚焦节能降 碳、资源循环利用、技术改造等领域，向铁合金上下游企业授信1.5亿元。针对具备高科技、专精特新 等标识的铁合金转型企业，光大银行呼和浩特分行推出"专精特新贷""科技E贷"等多项金融产品，精准 破解企业转型资金压力。 某企业拟开展"直流矿热炉冶炼技术"转化项目，为帮助企业突破传统交流冶炼高能耗瓶颈，光大银行呼 和浩特分行组建专项服务团队，上门对接需求，快速完成了0.8亿元贷款审批。该项目投产后，企业单 位电耗下降10%-15%，年减少焦炭消耗超万吨，生产成本显著降低，绿色竞争力大幅提升。 在国家"双碳"目标引领下，内蒙古乌兰察布铁合金产业不断推进产业转型升级，实现了从粗放到精细、 从低端到高端的蜕变，光大银行呼和浩特分行作为国家绿色金融改革创新的积极践行者，始终将支持区 域传统产业绿色升级作为核心战略，为当地铁合金产业绿色转型注入动力。 光大银行呼和浩特分行的绿色金融支持力度还在不断升级，制定了"自治区能源基地建设专项支持计 划"，未来三年将新增50亿元绿色信贷额度，重点支持无碳冶炼、绿电供应、 ...

Core Viewpoint - The article highlights the innovative cross-border financial services provided by China Construction Bank (CCB) Shenzhen Branch, which significantly enhance the efficiency and cost-effectiveness of cross-border payments for foreign trade enterprises in Shenzhen. Group 1: New Payment Tools - CCB Shenzhen Branch launched the "Cross-border Easy Payment" tool in collaboration with CCB Asia (Hong Kong Branch), offering enterprises a "zero-cost, instant payment" experience for cross-border RMB transactions, utilizing blockchain technology to improve payment efficiency by eliminating multiple intermediary banks [1]. Group 2: New Account System - The bank has developed a flexible and efficient account matrix to accommodate diverse cross-border trade needs, including expanding the pilot of the unified domestic and foreign currency account and promoting the Qianhai Free Trade Account (FT Account) for easier fund transfers and cross-border financing [2]. Group 3: New Settlement Channels - CCB Shenzhen Branch has established a transparent collection and settlement service for cross-border e-commerce, directly connecting with Shenzhen's cross-border e-commerce online service platform to streamline the collection and settlement process, addressing challenges faced by small sellers [3]. Group 4: New Financing Products - The bank has enriched its "Cross-border Quick Loan" product line to support small and micro foreign trade enterprises, introducing "Foreign Trade Loans" that provide online, unsecured, and low-cost financing based on customs data, with a 72% year-on-year increase in service to over 100 small enterprises since 2025 [4]. - Additionally, the bank has innovated the issuance of cross-border e-commerce performance guarantees to meet new tax guarantee requirements from European countries, significantly reducing approval processes and providing strong credit support for domestic enterprises expanding overseas [4]. Group 5: Overall Impact - The number of foreign trade and foreign investment enterprises served by CCB Shenzhen Branch has steadily increased, with a nearly 45% year-on-year growth in cross-border RMB settlement volume, enhancing the resilience and international competitiveness of Shenzhen's foreign trade enterprises [4].

据了解，截至9月1日，锡林热电公司运行部保障机组实现连续安全生产820天；重大操作正确率、隐患 闭环整改率均达到100%。在全国电力行业火电机组能效水平对标中，锡林热电公司1号、2号机组分别 获评3A级、4A级优胜机组，成为内蒙古能源集团首个"双机同登榜"的发电企业。 该公司运行部以班组建设为基石，构建起立体化的防护体系，创新推行"三维赋能"机制：技术维度，组 建跨班组技术攻关小组、节水攻坚小组，优化蒙西电网调频策略，连续11个月创效3545.8万元，通过节 水技改节约成本88万元；管理维度，全面施行"党员责任区"制度，将党旗插在生产保供最前沿，形 成"党员带头查隐患、全员参与筑防线"格局；文化维度，打造"安全文化"传播"首页"，通过"事故案例 宣讲"等教育方式，让安全理念深入人心。 转自：新华财经 班组作为能源企业最小的管理单元，是安全生产前沿阵地与任务落地的"神经末梢"。近年来，内蒙古能 源集团有限公司（以下简称"内蒙古能源集团"）所属单位以标准化为准则，创新班组管理，强化班组建 设，推动基层管理与发展效能双提升。 晨曦中的锡林热电公司集控室里，运行五值值长紧盯操控屏参数："3号机组再热汽温稳定在566℃ ...

Core Viewpoint - The article emphasizes the legal risks associated with "prop money," which is illegal imitation currency that resembles real money and is often marked with phrases like "for movie use only" to evade legal consequences [1][7]. Group 1: Definition and Legal Implications - "Prop money" refers to counterfeit currency that mimics the design, shape, and color of real money, created by criminals to avoid detection [1]. - The use or production of such imitation currency is strictly prohibited by law, and individuals involved may face severe penalties [1][7]. Group 2: Case Studies - Case 1: In 2016, a group led by Sun created templates for "prop money," resulting in a large volume of counterfeit currency being sold online, some of which was confiscated by banks [2]. - Case 1 Outcome: In 2021, the individual responsible was sentenced to ten years in prison and fined 100,000 yuan [3]. - Case 2: In 2024, a group used "prop money" in a fraudulent transaction, leading to the transfer of equivalent Tether coins based on the mistaken belief that the counterfeit was real [4]. - Case 2 Outcome: The four defendants received prison sentences ranging from 1 year and 9 months to 2 years and 2 months, with fines between 6,000 and 18,000 yuan [5]. - Case 3: In 2018, an individual purchased "prop foreign currency" and later lent it to a friend, resulting in confiscation by a bank [6]. - Case 3 Outcome: The individual was sentenced to 8 months in prison, with a one-year probation and a fine of 10,000 yuan [7]. Group 3: Public Awareness and Prevention - The article calls for public vigilance against "prop money" and encourages individuals to report any related findings to banks or law enforcement [7][8]. - It advises against purchasing or using "prop money," emphasizing that such actions could lead to legal trouble [8].