转自：新华财经 岁岁重阳，情暖金秋。近日，建行上海市分行组织辖内网点依托"劳动者港湾"，利用区域优势策划并开 展了一系列重阳节养老专场活动，通过AI体验、芳香疗愈、时光摄影等特色服务，为银发群体送上一 份兼具科技感与人文关怀的节日厚礼，让老人们在温馨互动中感受传统节日与金融服务的双重温度。 智慧助老：AI体验让老有所玩 在建行上海张江高科路支行，十多位银发老人围坐一堂，张富清服务队的志愿者们正手把手指导大家使 用AI软件。 课堂上，志愿者从"AI能做什么"入手，结合生活案例生动讲解AI在旅游规划、外语翻译、健康管理等领 域的应用。实操环节中，老人们兴致勃勃地尝试各项功能。此外，建行志愿者还教老人用AI记录血 压、血糖等健康数据，生成专属健康档案，并针对AI换脸、拟声诈骗等风险，普及"不轻信、不点击、 不贪心"的防范原则，守护老人的"钱袋子"。 建行以科技为桥、以服务为翼，持续深耕适老化服务，用金融温度与科技暖意护航"老有所养、乐享晚 年"，让老年群体共享数字时代红利。 自然疗愈：芳香传递健康养老理念 建行上海普陀宜川路支行的"劳动者港湾"内，芳香疗愈体验课温馨开讲。来自上海开放大学的老师先让 老年客户闭眼嗅吸 ...

转自：新华财经 工行桂林永福支行始终将服务地方实体经济、破解中小微企业融资难题作为首要任务。今年以来，该行 精准聚焦本地特色产业，以定制化金融服务激活发展动能。截至2025年9月末，该行普惠贷款余额1.79 亿元，较年初新增6941万元。 立足永福"中国罗汉果之乡"产业优势，工行桂林永福支行深入调研罗汉果全产业链经营主体"缺抵押、 融资散、用款急"的痛点，结合产业周期与经营特点，因地制宜推出罗汉果产业集群贷款。该产品简化 流程、优化担保，额度精准匹配产业规模，有效解决了传统信贷模式与产业实际脱节的问题。此外，积 极与永福及周边产区罗汉果协会建立合作，借助协会对产业的深度了解与资源整合优势，获取产业链优 质主体名单并进行初步筛选。针对筛选企业联合开展"定向走访"，精准讲解产品适配优势，结合实际解 读融资方案，助力符合条件的经营主体快速获得金融支持，显著提升了普惠金融服务的精准度和效率。 为扩大普惠政策覆盖面，该行组建专项团队，主动深入龙胜、兴安、临桂等罗汉果主产区开展服务。通 过设点宣传、园区走访等多种形式，团队面对面讲解政策、测算需求、辅导申请，不仅成功为41户产业 链企业提供信贷支持，更让工行普惠金融品牌深 ...

融资方案确定后，该行迅即组织普惠金融、信贷管理、风险管理、科技等部门骨干力量组成柔性团队， 深入学习相关产品制度、港贸融平台操作规范及业务流程，全程跟进指导企业完成港贸融平台仓单登 记、质押手续以及系统申请等关键步骤，确保贷款资金精准、快速投放，及时满足了企业的预付资金需 求，提升客户融资体验。 该笔业务成功落地标志着港贸融平台仓单登记与质押业务在百色辖内正式上线运行，是该行运用科技赋 能普惠金融、创新供应链融资服务模式的关键突破。后续，工商银行百色分行将持续利用港贸融数字化 平台提升普惠金融服务的覆盖面和精准度，增强与核心产业链企业的合作黏性，为乡村振兴和数字经济 发展贡献工行力量。（韦佳君） 编辑：赵鼎 转自：新华财经 近期，工商银行百色分行成功为本地某生猪肉产品批发企业办理首笔对接港贸融平台系统的经营快贷仓 单质押融资300万元，精准服务区域民生保供企业，为有效解决了涉农小微企业轻资产、融资难问题探 索新路径，为数字金融服务实体经济提供了生动样板。 该行立足当地经济发展实际，深入调研区域特色农业产业链。在走访调研过程中，了解到一户主营生猪 肉批发的企业需要预付采购款锁定猪源，但应收账款回笼周期长，冷冻库 ...

Group 1: Innovation and Economic Development - The "Star Plan" initiated in Laoshan District aims to build a leading technology innovation demonstration zone and a competitive technology-industry integration area, with a goal of achieving over 40% of GDP from the "four new economies" by 2025 [1] - The district has established 16 enterprises for local technology achievement incubation and launched the "Star Exchange" online platform, which has published 411 technology achievements and 118 technology demands [1] Group 2: Industry and Digital Economy - The focus is on expanding the influence of innovative industries, prioritizing the development of new-generation information technology and artificial intelligence, with a target for the total scale of these industries to exceed 60 billion yuan [2] - The district aims to enhance the digital economy by promoting over 30 companies to complete "smart transformation," with industrial technology investment growth projected at over 10% [2] Group 3: Marine Economy and Modern Services - The establishment of a marine industry-academia-research collaborative innovation alliance aims to increase high-end marine talent and boost marine production value by over 10% [3] - The district plans to attract over 100 new financial institutions and enhance the tourism sector, targeting a total tourism revenue of 22 billion yuan [3]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively supporting the local economy by providing efficient financial services to small and micro enterprises through innovative financial products and optimized service processes [1][2] Group 1: Financial Support for Small and Micro Enterprises - As of September 2025, the bank has issued nearly 4.5 billion yuan in loans to small and micro enterprises, benefiting various sectors including agriculture, manufacturing, trade services, and consumer services [1] - The bank has successfully implemented the "Huiqi Loan" product system to address the high financing costs faced by small and micro enterprises, resulting in the successful application for over 300 million yuan in special financial subsidies since July 2025, benefiting more than 150 small enterprises [2] Group 2: Innovative Financial Products - The bank has introduced the "Xingnong e-loan" product system tailored to the agricultural sector, which includes "Planting and Breeding Loans," "Manufacturing Loans," and "Circulation Service Loans," providing over 200 million yuan in loans to more than 250 agricultural enterprises [1] - New credit-based online products such as "New Generation Business Quick Loan," "Transaction e-loan," and "Merchant e-loan" have been launched to support small enterprises in the consumer sector, with nearly 40 million yuan in loans issued to service consumption enterprises by September 2025 [2]

Core Viewpoint - The transformation of saline-alkali land in Dongying, Shandong Province, is crucial for ensuring national food security, improving ecology, and promoting regional development, despite the challenges of high investment and low economic returns associated with such projects [1][2]. Group 1: Financial Support and Initiatives - China Construction Bank (CCB) Shandong Branch has tailored financial solutions for saline-alkali land improvement projects, approving a loan of 152 million yuan (approximately 15.2 million) for a 15-year term, marking a pioneering effort in funding large-scale saline-alkali land improvement [2]. - CCB Shandong Branch has approved loans totaling 520 million yuan (approximately 52 million) for five enterprises involved in saline-alkali land transformation projects, with an initial loan disbursement of 134 million yuan (approximately 13.4 million) for five specific projects [2]. Group 2: Project Outcomes and Agricultural Impact - The implementation of the saline-alkali land improvement project is expected to add 23,700 acres of new arable land and enhance 22,600 acres of existing farmland, with projected total yields of 26,100 tons of wheat, 28,400 tons of corn, and 2,300 tons of soybeans and potatoes [2]. - The project led by Dongying Jiefeng Agricultural Technology Co., Ltd. encompasses 63,633 acres of saline-alkali land across six townships, focusing on soil improvement and agricultural infrastructure development [1][2]. Group 3: Social Responsibility and Future Plans - CCB's support for saline-alkali land transformation reflects its commitment to rural revitalization and social responsibility, aiming to become a leader in implementing national food security strategies [3]. - The bank plans to continue promoting comprehensive utilization and transformation of saline-alkali land, striving to set a precedent in this area and respond to new development needs [3].

Core Insights - JD Industrial and Delixi Electric signed a strategic cooperation agreement to enhance supply chain capabilities and explore innovative e-commerce models in the industrial sector [1][2] - JD Industrial reported significant growth in sales during the 11.11 shopping festival, with a 113% year-on-year increase in transactions on its one-stop procurement platform for SMEs, JD Gongpin Hui [1][2] - The partnership aims to address challenges faced by foreign trade-oriented industrial companies in expanding their domestic market presence [2][3] Group 1: Strategic Cooperation - The collaboration focuses on expanding product categories and enhancing the digital supply chain solutions provided by JD Industrial [1][2] - JD Industrial has become a leading provider of industrial supply chain technology and services, serving approximately 11,000 large enterprises and millions of SMEs [3][5] Group 2: Sales Performance - JD Industrial's hardware city saw transaction volumes double across about 200 industrial product categories [1] - Delixi Electric's sales in JD Industrial's self-operated warehouse increased by 52% year-on-year, with a 58% rise in enterprise customer numbers and a 172% increase in average order value [1] Group 3: Supply Chain Efficiency - The partnership has led to a fourfold increase in the number of products entering JD Industrial's self-operated warehouses, significantly improving order fulfillment rates and customer experience [4][5] - JD Industrial's service model, "京仓京配," supports various delivery timelines, enhancing the efficiency of industrial product supply and channel fulfillment [5] Group 4: Quality Control Initiative - JD Industrial launched the "No False Marking Action" to combat quality issues in the industrial products sector, implementing strict quality control measures and accountability for suppliers [6][7] - The initiative aims to promote high-quality development in the industrial sector and support manufacturers committed to quality [7][8]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is focusing on digital transformation to enhance financial services and support local economic development, with significant growth in loans for core digital economy industries and strategic emerging industries [1][2] Digital Financial Development - ICBC Beihai Branch has established a special leadership team to oversee digital transformation, integrating financial technology with core business departments to create an efficient collaborative system [2] - The branch has launched the first technology finance specialty sub-branch, focusing on providing diversified financial support to technology enterprises [2] Service Efficiency Enhancement - The branch is leveraging digital technologies to expand financial services, including the application of digital RMB and innovations in cross-border payments and smart contracts [3] - As of September 2025, the inclusive finance loan balance exceeded 1.2 billion yuan, with a growth rate of 46.4%, benefiting over a thousand small and micro enterprises [3] Green Finance Initiatives - ICBC Beihai Branch is committed to green development, increasing the supply of green finance to support key areas such as green energy and infrastructure upgrades [4] - The green loan balance reached over 2.1 billion yuan, reflecting a growth of 19.77% as of September 2025 [4] Enhanced Public Financial Services - The branch is improving the accessibility and convenience of financial services, including the establishment of a social security financial supermarket and tailored services for elderly clients [5] - The bank is also bridging the digital divide by enhancing traditional cash services while promoting mobile banking and smart devices [5] Risk Management and Security - ICBC Beihai Branch emphasizes consumer rights protection and data security, implementing comprehensive risk management strategies and enhancing cybersecurity measures [6] - The branch is committed to continuous improvement in digital financial services while ensuring risk prevention and control [6]

Core Viewpoint - The Agricultural Bank of China Shanghai Branch launched the "Farmers' Respect for the Elderly Festival" activity, providing heartfelt holiday greetings and professional financial services to elderly clients, particularly those who are elderly, living alone, or have mobility issues [1][2][3] Group 1: Activities and Initiatives - The "Farmers' Respect for the Elderly Festival" involved multiple service teams visiting communities and homes to offer financial services and support to elderly clients [1] - The Shanghai Branch's "3+3" special action for elderly finance was successfully concluded, which included internal service system optimization and external community outreach [3] Group 2: Client Stories - The story of Mr. Jiang, a centenarian veteran, highlights the bank's commitment to providing personalized services, including assistance with paying a special party fee of 200,000 yuan [1] - Mr. Zhang, a retired entrepreneur, has been a client since 1988, showcasing the long-term relationship and continuous financial planning services provided by the bank [2] - Mr. Ding, a 95-year-old veteran, receives regular visits and tailored financial solutions, demonstrating the bank's dedication to elderly care and communication with family members [2] Group 3: Future Plans - The Agricultural Bank of China Shanghai Branch aims to deepen the "3+3" special action, combining professional financial services with genuine human care to create an elderly-friendly urban living environment [3]

Core Viewpoint - The overseas agricultural product prices have surged due to improved demand expectations, with Chicago soybean futures reaching a 15-month high, but analysts believe that the short-term sentiment boost may not counterbalance the pressure from abundant supply fundamentals [2][3]. Supply and Demand Dynamics - Recent months have seen continuous pressure on soybean prices due to the harvest season and stagnant Chinese buying, leading to weak demand. The CBOT soybean deliverable inventory has significantly increased, reaching 18.714 million bushels as of October 17, up 13% week-on-week and 41.89% year-on-year [3]. - Brazil's soybean planting is progressing steadily, with expectations of continued high yields. The latest report from CONAB indicates that Brazil's soybean planting area for the 2025/26 season will reach 49.1 million hectares, with an expected production of 178 million tons, reflecting year-on-year growth of 3.6% and 3.5% respectively [4]. - Brazil's soybean exports remain robust, with October exports projected at 7 million tons, significantly higher than the 4.43 million tons exported in the same month last year [4]. Market Sentiment and Price Movements - The sentiment in the agricultural market has improved following preliminary agreements between China and the U.S. on key trade issues, leading to a significant rise in prices for major agricultural products on October 27, with Chicago corn, wheat, and soybean contracts rising by 1.3%, 2.63%, and 2.33% respectively [3]. - The cost of imported U.S. soybeans in China has also increased, reaching 4,737 yuan per ton, marking a five-and-a-half-month high [3]. Future Outlook - Despite the recent price increases, analysts suggest that the overall market remains under pressure due to ample supply. The U.S. soybean harvest is progressing rapidly, with an estimated completion of 84% as of October 26, nearing the fastest pace in 14 years [5]. - The domestic soybean and oilseed inventory levels in China are also high, with crushing volumes exceeding 2.1 million tons for two consecutive weeks, indicating a well-supplied market for the fourth quarter [5]. - Analysts from Guotai Junan Futures express that while there is a short-term sentiment recovery, the fundamental supply-demand dynamics are unlikely to change significantly, predicting that soybean prices will continue to fluctuate within a range [6].