转自：新华财经 "以前公积金里的钱取不出来付二手房首付，我还担心凑不齐款耽误买房，没想到现在用招行数字人民 币直接就能付首付，这可真是解决了我们的大难题！"刚完成公积金二手房首付提取的市民王先生难掩 激动。这既道出了招商银行青岛分行以数字人民币破解民生难题的实效，也揭开了改行深耕数字人民币 生态场景的生动篇章。 对普通市民而言，数字人民币的价值更体现在"以人为本"的便民举措中。过去，青岛市二手房交易环 节，公积金账户资金无法直接提取用于支付首付，市民需通过各种渠道筹集首付款，不仅增加短期资金 压力，还可能因流程衔接问题延误交易进度，成为二手房交易中的民生堵点。 招商银行青岛分行敏锐捕捉这一需求，主动对接，量身打造基于数字人民币的产业链结算体系，通 过"线上开立对公钱包+智能合约"解决方案，实现了集团与核心经销商之间"销售确认—利润分成"的自 动结算，以及与多级供应商之间"订单采购—货款入账"的实时结算，并为产业链各方提供供应链票据贴 现入数字人民币钱包服务，精准满足中小企业资金使用需求。目前，这一数字人民币结算模式已从"核 心企业"向"产业链末梢"延伸，集团内外已有数百家上下游企业接入，将分散的经营主体串联成 ...

Core Viewpoint - The banking sector is expected to maintain a steady credit growth throughout the year, with corporate loans being a significant support for the "opening red" of credit in January, which is seen as a barometer for financial support to the real economy [1][2][3]. Group 1: Credit Growth and Corporate Loans - In December 2025, new RMB loans increased by 910 billion yuan, a year-on-year decrease of 80 billion yuan, while the balance growth rate reached 6.4% [1]. - Corporate loans are anticipated to continue supporting credit growth, with an expected increase in social financing of approximately 5.5 trillion to 5.6 trillion yuan in January 2026, a year-on-year increase of about 300 billion yuan [2]. - Analysts predict that corporate loans will perform slightly better than the previous year due to factors such as a later Spring Festival, increased working days, and a robust project reserve [2]. Group 2: Monetary Policy and Interest Margins - The central bank has implemented a series of monetary policies, including a 25 basis point reduction in various structural monetary policy tool rates, which is expected to enhance banks' willingness to lend in key areas [4]. - Despite ongoing pressure on interest margins due to potential rate cuts, the optimization of funding costs is expected to support a narrowing of the interest margin decline [4][5]. - Analysts indicate that the net interest margin has shown signs of stabilization since Q3 2025, with expectations of a significant reduction in the margin decline in 2026 [5]. Group 3: Asset Quality and Risks - The overall asset quality of banks is expected to remain stable, with corporate asset quality benefiting from the steady progress of debt resolution [5]. - Non-performing loan ratios for several banks, including Shanghai Pudong Development Bank and China CITIC Bank, indicate a stable asset quality, with ratios of 1.26% and 1.15% respectively [5]. - Retail non-performing loan risks are anticipated to remain stable, with a focus on monitoring the real estate market and residents' income expectations [5].

Group 1 - The core viewpoint of the article highlights that Shagang Group has been rated A+ (extremely strong) for the tenth consecutive year in the competitiveness ranking of domestic steel enterprises by the Metallurgical Industry Planning and Research Institute [1] - Shagang is focusing on technological innovation to upgrade its product structure, achieving breakthroughs in high-end materials, including low-temperature tempered high-strength steel and high-toughness shipbuilding steel [1] - The company is actively integrating AI into production processes, establishing itself as a smart manufacturing benchmark with various intelligent systems and platforms [1] Group 2 - Shagang is committed to green and low-carbon development, successfully implementing multiple projects in renewable energy and becoming the first private steel enterprise in China to pass the "dual carbon best practice energy efficiency benchmark demonstration" [1] - The brand "Shagang" is widely recognized, with products used in major national projects and exported to high-end markets in Germany, the Netherlands, Thailand, and South Korea [2] - Looking ahead, Shagang aims to build a world-class steel enterprise under its "136" development strategy, focusing on efficiency, talent, and innovation while reinforcing its green advantages [2]

Group 1 - The core viewpoint of the article highlights the strategic cooperation between Everbright Bank and Inner Mongolia International Trade Group, focusing on supporting the region's "five major tasks" and enhancing the construction of a northern open bridgehead [1][3] - Inner Mongolia International Trade Group has established five core business segments: import and export trade, port construction, comprehensive logistics, investment and financing services, and foreign economic and trade cooperation, aiming to build a significant support platform for the China-Mongolia-Russia economic corridor [3] - Everbright Bank emphasizes its comprehensive service system leveraging the group's "full financial license + industrial synergy" advantages, offering a range of financial products including project construction credit, merger financing, and international trade financing [3] Group 2 - Both parties recognize the vast cooperation potential in areas such as the construction of the China-Mongolia-Russia economic corridor, port quality improvement, and cross-border trade facilitation, agreeing to establish a regular communication mechanism to accelerate cooperation [3] - The visit is seen as a solid foundation for deepening strategic cooperation and advancing the collaborative service strategy between government, banks, and enterprises into a new phase [3]

Group 1 - The core viewpoint of the articles emphasizes the collaboration between Everbright Bank and Everbright Pension to enhance the elderly care industry in Inner Mongolia, aligning with national policies for high-quality development in the silver economy [1][2] - The marketing initiative is structured as a "group support + head office empowerment + branch execution" three-tiered linkage, which enhances the professionalism and specificity of collaborative marketing efforts [2] - The collaboration targets nine quality elderly care institutions across four cities, focusing on diverse service models such as home care, community elderly care, and professional institutional care [2] Group 2 - The partnership aims to create an integrated solution combining "financial credit + professional operation + value-added services," fostering mutual trust between banks and enterprises [2] - Future steps include accelerating cooperation implementation and enhancing government-enterprise connections to meet the diverse needs of the elderly population [2]

Core Viewpoint - The article emphasizes the importance of technological innovation in national development and daily life, highlighting the role of financial support in nurturing tech startups like Sofis Intelligent Technology (Dalian) Co., Ltd. [1] Group 1: Company Overview - Sofis Intelligent Technology (Dalian) Co., Ltd. focuses on the research and manufacturing of intelligent robots and is characterized as a typical hard-tech startup [1] - The company is currently in the early stages of preparation and market expansion, with no stable revenue yet but possesses high growth potential and light asset characteristics [1] - Sofis has secured a cooperation order with a large enterprise, creating an urgent need for funding to fulfill the order [1] Group 2: Financial Support and Innovation - CITIC Bank Dalian Branch has addressed the financing challenges of the startup, which include lack of revenue and collateral, by evaluating core technology patents and the strength of the R&D team rather than relying solely on financial statements [2] - The bank has provided a tailored credit solution, simplifying the approval process and enhancing loan efficiency, successfully issuing a 3 million yuan working capital loan to the company [2] - This financial support is aimed at facilitating the company's production startup and integration into the local industrial chain, thereby accelerating the upgrade of Dalian's supply chain [2] Group 3: Strategic Initiatives - CITIC Bank Dalian Branch has established a "1+1+1+N" organizational system for technology finance, launching various innovative financial products such as "Sci-Tech e-loan" and "Inclusive Sci-Tech Scoring Card" [3] - The bank is committed to deepening its strategic layout of "early investment, small investment, and hard technology," enhancing insights into industries and clients, and optimizing credit assessment models for tech startups [3] - Future plans include increasing credit support for seed and early-stage tech companies, aiming to inject continuous financial vitality into industrial innovation and contribute to high-quality economic development in Dalian [3]

Group 1 - The core focus of the event was to address the financing challenges faced by technology-based enterprises, particularly those with "light assets and lack of collateral" [1][3] - The event was attended by over 800 participants, including representatives from various financial institutions, highlighting the collaborative effort to explore the capitalization of intellectual property [1][3] - China Everbright Bank's Hohhot branch showcased its unique product system and benchmark cases in the field of intellectual property pledge financing, aiming to inject strong momentum into the development of technology enterprises [1][3] Group 2 - The seminar aligned with the regional government's "1571" work deployment, aiming to bridge the gap between intellectual property and financial resources [3] - Everbright Bank developed a comprehensive, multi-dimensional, and efficient intellectual property pledge financing service system, offering a matrix of financing products covering patents, trademarks, and copyrights to meet diverse financing needs [3] - The bank shared successful case studies, including a loan of 5 million yuan issued against a core patent for a technology enterprise in Hohhot, demonstrating the practical path of transforming intellectual property into assets [5] Group 3 - The successful hosting of the seminar established an important platform for precise connections between government, banks, and enterprises, providing replicable financial solutions for intellectual property pledge financing [5] - Everbright Bank plans to deepen cooperation with various departments and industrial parks, focusing on the financing needs of key industries in the region to support economic transformation and upgrading [5]

转自：新华财经 本次决赛最鲜明的注脚，是一幅"天下英才聚星城"的生动画面。15强团队的主理人及核心成员，来自宾夕法尼亚大学、纽约大学、伦敦大学、清华大学、 北京大学等海内外顶尖学府。 他们积极响应"背了双肩包就可以到湖南来创业"的召唤，从上海、昆明、澳门、香港、青岛等地奔赴雨花。这支兼具国际视野、前沿知识、深厚情怀与务 实精神的青年力量，用实际行动为长沙市"青年友好"的城市品格写下有力证明。 1月21日，长沙市雨花区首届青年人才创新创业大赛（商业组）决赛在雨花区圭塘河宪法公园圆满落幕。 历经两个月的全国征集与激烈角逐，从122个报名项目中脱颖而出的15支青创团队，在决赛舞台上进行了路演，共同角逐首批入驻"圭塘盒集"的资格。这 场大赛不仅是项目的比拼，更是湖南省"打造青年友好型省份"战略与"背了双肩包就可以到湖南来创业"号召在雨花区的生动实践与成果检验。 15强青创团队共绘圭塘商业新图景 决赛现场，从初赛30强中角逐出的15组青年创业团队，展开了为期一天的"15分钟陈述+5分钟答辩"路演。他们围绕"业态场景融合、产品服务创新、商业 模式落地及长期发展价值"等核心维度，全方位展示商业构想。 入围项目充分体现了"高 ...

在随后举行的圆桌论坛上，中国农业科学院质标所所长孙君茂、福建农林大学林文雄和廖红教授、安溪县副县长谢建新、中国联通集团政企客户事业群农业 行业服务部总经理周海燕、中农集团现代农业服务有限公司副总经理杨璐等嘉宾，围绕"碳标签推动农业绿色转型"主题展开深度研讨，从政策支持、市场赋 能、认证规范、产品实践等多角度，深度探讨茶产业碳中和的创新路径与未来方向，一致认为将碳管理贯穿农产品研发、种植、加工、销售各关节，应用碳 标签进行可视化和市场化引导，是推动我国农业向绿色低碳专项的核心工程，需要研发机构、市场经营主体、政府管理部门、消费者等多方力量同向同行、 合力攻坚。 发布会由环发所党委书记郝志强、副所长郝卫平共同主持，在发布会核心环节，郝卫平正式发布"安溪铁观音碳中和茶"。安溪县作为中国乌龙茶之乡、世界 名茶铁观音的发源地与全国重点产茶县，在此次碳中和茶的研发与发布中发挥了关键引领与示范带动作用。据介绍，在安溪县人民政府与中国农科院环发 所、福建农林大学共建的"环发所茶产业碳中和研究院"支撑下，依托长期开展的生态茶园建设与"双碳"行动，该产品经由碳足迹核算与第三方认证，以有机 物料替代、微藻肥补充、生物多样性恢复、减 ...

转自：新华财经 新华财经北京1月22日电（王媛媛）三大指数集体收涨，创业板指涨1%。截至收盘，沪指报4122.58 点，涨0.14%，成交12018亿元；深证成指报14327.05点，涨0.50%，成交14900亿元；创业板指报 3328.65点，涨1.01%，成交6862亿元。 板块方面，油气开采及服务、军工装备、光伏设备、商业航天、建筑材料、煤炭开采加工、钢铁、草甘 膦板块涨幅居前；保险、光刻机、贵金属、电池、半导体、创新药板块跌幅居前。 盘面热点 盘面上，商业航天概念爆发，近二十只成分股涨停，巨力索具2连板，顺灏股份、中超控股、西部材料 涨停。机器人概念反复走强，福莱新材、毅昌科技涨停。油气概念延续强势，洲际油气2连板。煤炭板 块表现活跃，大有能源3天2板。PCB概念快速拉升，鹏鼎控股等多股涨停。下跌方面，保险、半导体、 医药等板块跌幅居前。 山西省供销社：成立烟花爆竹销售公司 推动供销合作社系统烟花爆竹批零体系恢复重建 银河证券：商业航天产业方兴未艾，正迈入需求侧与供给侧双向发力的黄金时代。1）卫星发射：民营 火箭公司发展迅速，产业链处于国家航天向商业航天的转变阶段。建议关注结构件供应商。2）卫星制 ...