初创科技型企业普遍面临"项目建设周期长、初期抵押物不足"的融资痛点，成为制约其发展的关键瓶 颈。泰兴农商银行聚焦此类企业需求，创新推出"前景评估+足额快速放款"的金融服务机制，以精准、 高效的服务助力企业加速成长。 传统金融服务多以"抵押物"为核心审批依据，难以匹配初创科技企业"轻资产、重潜力"的特性。泰兴农 商银行打破这一局限，将评估重点转向企业未来价值与成长能力，构建多维度"前景评估"模型。 一是技术实力评估，重点考察企业核心技术的先进性、稀缺性及产业化潜力。如关注企业是否掌握"卡 脖子"技术、是否拥有自主知识产权、是否与高校、科研机构建立联合研发平台等。 二是团队能力评估，聚焦核心团队的专业背景、行业经验及过往成果，优先服务由高层次人才领衔的企 业。 三是市场与盈利评估，分析企业业务是否契合国家战略、盈利模式可行性以及长期成长性，判断企 业"自我造血"能力。 在"前景评估"通过后，该行进一步简化流程，无需依赖传统抵押物，以"土地使用权抵押+保证"形式， 直接对接企业融资需求，大幅缩短融资周期。 全周期服务初创科技型企业，助力新药研发落地 突破传统授信思维，建立"价值导向"评估体系 泰兴某制药有限公司是当 ...

Core Viewpoint - The article highlights the successful transformation and growth of a mechanical technology company in Xuzhou, driven by continuous technological innovation and strong support from local financial institutions [1] Group 1: Company Development - The company is recognized as a provincial high-tech enterprise and a "specialized, refined, distinctive, and innovative" enterprise, focusing on upgrading products from traditional construction equipment to "efficient, energy-saving, and smart interconnected" solutions [1] - In 2021, the company received a loan of 5 million yuan, which facilitated the development of four new products, significantly enhancing its market competitiveness [1] - Currently, the company has a full order book until the end of the month, with production lines operating at full capacity, indicating strong growth momentum [1] Group 2: Financial Support - The local bank, Xuzhou Rural Commercial Bank, established a dedicated service team to support technology enterprises, conducting at least two visits per month to understand their operational dynamics and funding needs [1] - In August of this year, the company required additional funding for production expansion, and the service team promptly initiated an "urgent matter handled urgently" process, completing the procedures for an additional loan of 5 million yuan in a short time [1] - The financial support not only addressed the company's equipment needs but also boosted its confidence in expanding external markets and accelerating product iteration [1]

江南时报讯 医保生育服务更暖心！近期，省医保局印发了《关于开展省内生育住院分娩医疗费用直接 结算工作的通知》，明确自2025年9月17日起，我省参保的孕产妇在省内生育定点医疗机构住院分娩医 疗费用实现直接结算。自9月11日试运行以来，全省已有103人享受生育分娩费用异地刷卡结算，直接结 算费用达99.56万元。下面小编带大家了解下省内生育住院分娩医疗费用直接结算为孕产妇们提供了哪 些便捷服务吧。 二是报销待遇"不降点"，医保惠民更贴心。 省内生育分娩费用直接结算时，执行全省统一的基本医疗保险药品、诊疗项目、医疗服务设施范围目录 和就医地医药价格及有关规定，执行各地就医零星报销待遇，异地生产不降低报销待遇。 省内生育住院分娩医疗费用直接结算适用哪些对象？ 参加我省基本医疗保险并正常享受医保待遇的参保人员，包括符合条件的参保女职工、灵活就业参保人 员、领取失业金代缴医保参保人员、居民医保参保人员等，在省内已开通异地就医直接结算服务的生育 定点医疗机构，所发生的顺产、助娩产、剖宫产费用均可实现直接结算。 省内住院分娩医保服务有哪些新升级？ 一是直接结算"免备案"，异地生育更省心。 省内基本医疗保险参保人员在省内生育 ...

Core Viewpoint - Jiangsu Financial Regulatory Bureau is implementing a comprehensive set of measures to enhance financial services, focusing on consumer protection and financial support for businesses and individuals [1][2][3][4][5][6][7] Group 1: Financial Support Initiatives - The bureau is promoting personal consumption loans and service industry loans with interest subsidy policies, effectively lowering financing costs and stimulating consumer potential [2] - By mid-2025, the health insurance premium income in Jiangsu reached 32.659 billion yuan, with claims amounting to 8.724 billion yuan, indicating a growing insurance market [2] - Various local initiatives, such as "Su Xin Action" in Suqian and "Red Salt Loan" in Yancheng, have successfully provided significant credit support to businesses and individual entrepreneurs [2] Group 2: Consumer Protection Measures - A coordinated mechanism for financial consumer rights protection has been established, focusing on combating illegal intermediaries and enhancing information sharing among departments [3] - The bureau has initiated collective actions against illegal activities, leading to numerous cases being filed by law enforcement [3] - The establishment of a city-level mechanism in Xuzhou for illegal intermediary governance demonstrates a collaborative approach to maintaining financial order [3] Group 3: Enhanced Financial Services - Jiangsu is improving accessibility in pension finance by promoting barrier-free facilities and developing personal and commercial pension products [4] - By mid-2025, personal pension insurance premium income reached 1.366 billion yuan, covering 110,100 individuals, while commercial pension accounts totaled 580 million yuan [4] - Financial services for foreign nationals are being optimized, including the integration of foreign banks into domestic payment systems and the provision of multilingual support [4] Group 4: Financial Education and Awareness - A multi-channel financial education network has been established, focusing on community engagement and innovative outreach methods [5] - Initiatives like the "Financial Protection in 100 Communities" campaign and the creation of financial safety maps aim to enhance public financial literacy [5] - Localized financial education efforts, such as the use of regional dialects and creative materials, are being employed to make financial knowledge more accessible [5] Group 5: Dispute Resolution and Accessibility - The bureau is expanding financial dispute mediation services, with plans to add 100 new mediation points across the province by 2025 [6] - Innovative solutions for financing challenges, such as a quick loan application process and targeted agricultural loans, are being implemented to improve access to finance for small businesses [6] - The rapid response to insurance needs for new energy vehicles in Nanjing highlights the bureau's commitment to addressing consumer concerns promptly [6] Group 6: Overall Impact - Jiangsu Financial Regulatory Bureau aims to create a reliable financial environment that supports both businesses and consumers, acting as a "safety shield" and "warm bridge" for the community [7]

9月19日至21日，由国际光生物学会（IUPB）主办的首届国际可见光防护共识峰会（Visible Light Photoprotection Consensus Conference，VLPCC）在荷兰阿姆斯特丹举行。此次峰会汇聚全球光生物学、 皮肤病学顶尖专家及产业代表，聚焦可见光对皮肤的损伤机制与防护策略，旨在建立国际统一的可见光 防护评估标准与行业规范。 作为全球首次针对可见光防护的共识会议，VLPCC极具前沿性与权威性。据悉，本次会议上分享与讨 论的学术成果也将发表于国际学术期刊，为后续科研、法规与产品开发提供重要依据，标志着光防护领 域正式进入"全光谱时代"。 一、中国专家揭示蓝光损伤机制，推动前沿探索敏感肌全光谱防护 首届国际可见光防护共识峰会不仅是学术与产业界的重要交汇点，更是中国品牌与国际对话的关键契 机。薇诺娜以科学实力与社会担当，向世界展示了中国皮肤学级品牌的前沿视野与人文温度，引领国人 进入全光谱防修一体时代，为全球光防护学科发展与皮肤健康事业注入中国力量。 二、薇诺娜以科技赋能，展现中国防晒品牌的全球实力 作为峰会唯一受邀的中国护肤品牌，薇诺娜分享了其在敏感肌全光谱防护领域的前沿探索。 ...

Core Viewpoint - The 2025 China Cultural Tourism Industry Expo showcased Jiangsu's rich cultural heritage and tourism resources through various themed exhibits and performances, emphasizing the province's unique "water charm" [1][2][3] Group 1: Exhibition Highlights - Jiangsu's exhibition area covered approximately 300 square meters, featuring diverse cultural segments from different cities, including Suzhou's Jiangnan culture and Xuzhou's Han culture [1] - The exhibition included unique cultural products such as Suzhou embroidery, blue printed cloth, and Yixing purple clay teapots, attracting significant visitor interest [1] - The "Su Super" theme attracted attention with popular cultural products like canvas bags and plush ornaments representing various cities [2] Group 2: Cultural Performances - The central stage featured performances that highlighted Jiangsu's tourism and cultural new trends, including traditional music and dance [3] - Performances such as the folk music piece "Morning Emperor" and the portrayal of historical scenes from Yancheng showcased the province's rich cultural narratives [3] - The event aimed to immerse visitors in Jiangsu's historical and cultural depth, enhancing the overall experience of the expo [3] Group 3: Promotion of Traditional Crafts - The exhibition emphasized the promotion of traditional crafts, including the national intangible cultural heritage of "chaotic needle embroidery" from Changzhou, which showcases intricate craftsmanship [3] - Jiangsu's wearable art products, integrating traditional elements with modern design, received positive feedback, particularly among female visitors [2] - The incorporation of traditional cultural elements into contemporary fashion aims to expand the market for cultural products [2]

Core Viewpoint - The strategic cooperation agreement between Industrial Bank's credit card center and Meituan aims to create a "finance + life" open ecosystem, enhancing user experience through diverse service offerings [1] Group 1: Strategic Cooperation - The partnership is based on principles of open sharing and mutual benefit, focusing on ecological scene construction, user service, and intelligent operations [1] - Users will enjoy a comprehensive consumption experience through the Industrial Bank Life App, accessing Meituan's services such as food delivery, in-store group purchases, travel, and entertainment [1] Group 2: Company Profiles - Meituan is a leading domestic life service e-commerce platform with a mission to improve food and living standards, operating platforms like Meituan App and Dianping App, covering various service forms [1] - The Industrial Bank Life App serves as a retail financial service platform, and this collaboration represents a significant step in the bank's strategy to create a scene-based and ecological credit card service [1] Group 3: Future Directions - The collaboration aims to connect a vast number of quality merchants with consumption scenarios, building a new ecosystem of preferential merchants and creating innovative card issuance models [1]

Core Insights - Haier's brand sales on Tmall Youpin are expected to exceed 10 billion, with the official flagship store contributing nearly 1 billion [1] - Tmall Youpin's online self-operated flagship store achieved a GMV of over 100 billion within a year, setting a new benchmark for the home appliance and home goods market [1][4] - Tmall Youpin's strategy leverages national subsidies to provide solutions for merchants and offline stores, benefiting both leading and small brands [1][4] Sales Performance - Tmall Youpin has significantly boosted sales for brands like Midea, contributing over 10 billion in sales growth since its establishment [5] - The platform has expanded its reach from traditional markets to cover both first and second-tier cities, enhancing its service capabilities [6] Ecosystem and Collaboration - Tmall Youpin has created a collaborative ecosystem that integrates online and offline resources, enhancing retail efficiency and operational convenience for over 12,000 offline stores [5][6] - The "Youpin Late 8" live streaming initiative has successfully attracted significant consumer engagement, with individual sessions generating over 10 million in GMV [8][9] Consumer Engagement and Marketing - The platform's focus on high-end products has resulted in over half of its offerings being premium items, supported by national subsidies [10] - Tmall Youpin has implemented a multi-faceted subsidy matrix to enhance price competitiveness and incentivize sales [11][12] Strategic Development - Tmall Youpin is evolving into a comprehensive retail platform, expanding its product range and enhancing consumer experience through innovative service offerings [11][13] - The company is actively pursuing growth through strategic partnerships with brands and enhancing its retail network to meet diverse consumer needs [14][15]

江苏省作为全国重要蛋鸡养殖基地，年产量超200万吨，但自然灾害、疾病疫病风险长期制约产业稳定 发展，且近年来鸡蛋市场价格周期性波动频繁，叠加饲料成本上涨，养殖户收益稳定性面临挑战。传统 蛋鸡类保险主要覆盖自然灾害、疫病等导致的直接损失，而鸡蛋养殖收入保险首次将市场价格风险纳入 鸡蛋保险保障范围，以收入差额补偿赔付机制为抓手，通过"价格指数+产量监测"双维度建模，对冲鸡 蛋市场价格波动和养殖成本上升风险。该产品既解决"蛋贱伤农"问题，又防范养殖过程中的自然灾害风 险。当实际收入低于目标收入时，保险及时理赔，可减少收入下跌对农户的冲击，为养殖户提供部分收 入兜底保障。 鸡蛋养殖收入保险探索了都市型农业风险管理的"南京方案"，也为"菜篮子"民生工程提供兜底保障。长 期来看，该产品通过稳定产业链收益预期，助力南京禽蛋产业向集约化、数字化方向转型，为全省农业 金融创新提供示范案例。 江南时报讯 近日，人保财险江宁支公司成功签发江苏省首单商业性鸡蛋养殖收入保险，为南京市江宁 区钦武家禽养殖场117000公斤鸡蛋提供覆盖"产量波动+市场价格下跌"双重风险的收入保障，总保障金 额超78万元。这一创新险种的落地，标志着江苏省鸡 ...

Core Viewpoint - The article highlights the efforts of Huishang Bank Nanjing Branch in promoting electronic payment solutions to assist businesses in their digital transformation and enhance payment efficiency [1] Group 1: Electronic Payment Promotion - Huishang Bank Nanjing Branch conducted a promotional event titled "Smart Payment Empowering Enterprises" to educate local businesses about electronic payment [1] - The bank staff detailed the advantages of electronic payments, including convenience, quick fund transfer, and clear transaction records [1] - Demonstrations of various electronic payment tools such as mobile banking, QR code payments, and corporate online banking were provided during the event [1] Group 2: Customized Solutions for Businesses - The bank focused on explaining how electronic payments can reduce operational costs and improve fund management efficiency for financial personnel in businesses [1] - Customized payment solutions were offered to meet the specific needs of enterprises [1] Group 3: Security Awareness - The promotional activities included distributing brochures and interactive Q&A sessions to raise awareness about electronic payment security [1] - Employees were reminded to be vigilant against payment risks to protect both corporate and personal accounts [1] Group 4: Future Initiatives - The event received a positive response from employees, and Huishang Bank Nanjing Branch plans to continue promoting electronic payment applications among small and micro enterprises [1] - The initiative aims to help businesses reduce costs and increase efficiency, thereby injecting financial vitality into the real economy [1]