Core Viewpoint - The integration of financial resources with the cultural tourism industry in Huaihua is enhancing tourism experiences and driving economic growth through various financial support initiatives. Group 1: Financial Support for Tourism Projects - The construction of the world's longest mountain cableway in Xupu County was supported by a 200 million yuan loan from the Industrial and Commercial Bank of Huaihua, ensuring timely operation despite previous delays due to high construction difficulty and funding needs [1] - The People's Bank of China Huaihua Branch has established a list of financing needs for 51 key cultural tourism projects, identifying a total financing demand of 5.92 billion yuan and disbursing over 2.7 billion yuan in loans [2] - A cultural tourism company in Hongjiang received a 230 million yuan loan from the Agricultural Development Bank to support infrastructure updates and educational tourism project development, contributing to a total of 820 million yuan in loans for agricultural cultural tourism projects in Huaihua [3] Group 2: Innovative Financial Products - The Huaihua Branch of the People's Bank of China is promoting innovative financing methods, such as pledging scenic area revenue rights and operating rights, to convert expected cash flows into financing guarantees [5] - The Hunan Bank provided a 250 million yuan loan to the Simeng Danxia Scenic Area by using forest rights and project fee rights as collateral, resulting in a 20% increase in annual revenue [6] Group 3: Enhancing Local Tourism Infrastructure - The Huaihua Agricultural Commercial Bank provided 55 million yuan in financial support for the construction of scenic area projects, including walking paths and performance venues, which has made the Borrowing Mother Creek a popular cultural experience destination [4] - The Huaihua Yushuwan Cultural Tourism Commercial Complex received 70 million yuan in loans from Huaihua Agricultural Commercial Bank, facilitating the completion of multiple tourism projects ahead of the Fifth Hunan Tourism Development Conference [7] Group 4: Improving Consumer Financial Services - The People's Bank of China Huaihua Branch has organized financial service teams to provide convenient payment and credit services to small and micro enterprises in the tourism sector, enhancing the overall consumer experience [8] - The Huaihua Agricultural Commercial Bank has deployed over 4,000 payment devices in scenic areas, saving merchants over 1.2 million yuan in transaction fees [8] - Local banks are offering promotional measures such as consumption coupons and discounts to stimulate tourism spending, exemplified by the collaboration during the traditional dragon boat race in Mayang Miao Autonomous County [9]

跨越山海的闽宁协作，是福建省与宁夏回族自治区建立的政务协作机制，起源于1996年党中央启动 的对口扶贫协作，在近三十年中铸就了"干沙滩"变"金沙滩"的发展奇迹。 产业振兴是协作共赢的核心密码，而金融则是激活产业动能的关键引擎。永宁金融监管支局立足监 管职责，指导辖内金融机构深耕闽宁协作一线，通过政策引路+产品创新、产业链赋能+模式升级、服 务下沉+跨域联动，有效促进了金融与乡镇产业深度融合，推动了闽宁协作成果不断深化。 让移民创业有"金"靠山，"搬得来、稳得住"是基础，"能致富"是目标。针对闽宁镇移民群众"家底 薄、缺抵押、创业难"的痛点，永宁金融监管支局指导辖内金融机构聚焦移民创业需求，量身定制信贷 产品，让创业资金"好借、快贷、不贵"。从西吉县移民到闽宁镇福宁村的袁海琴掌握一手好的面点手 艺，因此萌生了开办早点铺的想法，却因缺乏启动资金而耽搁。永宁农商银行精准对接需求，推出"妇 女创业贷"产品，为袁海琴发放5万元贷款，帮她顺利开起了小店，助她成为福宁村妇女创业的典型。在 闽宁产业园区，科技型中小企业和初创者同样受益于精准金融支持。宁夏银行银川闽宁支行推出"如意 宁科贷""宁商e贷"等特色产品，这些产品让入 ...

作为连接政府部门、银行机构与乡村百姓的桥梁，服务驿站创新采用"124"运营模式，即一个服务 站选配1名站长、2位"金融明白人"，围绕百姓日常金融需求，同步整合金融政策解读、金融业务咨询、 金融知识科普、金融普法宣传四项核心功能，通过当面咨询、热线解答、视频宣传等多种方式，构建 起"一站式、综合性、专业化"的县域便民服务平台。其中，经验丰富的金融"明白人"扎根乡土、熟悉民 情、了解政策、懂金融，能够第一时间为乡村百姓解答信贷业务问询、征信记录、存款保险等高频疑 问，"手把手"指导老年群体领取养老金、使用智能金融工具，让乡村百姓在家门口就能"问清政策、解 除疑惑、办成业务"。 与此同时，36家金融服务驿站同步落地也是中国人民银行盘锦市分行与辽宁农商银行盘锦中心支行 两家单位深化"党建+金融"融合共建的重要成果，是其主动践行金融工作政治性、人民性，全面改善辖 区金融生态环境，有效打通县域金融服务"最后一公里"的重要举措。下一步，中国人民银行盘锦市分行 与辽宁农商银行盘锦中心支行将以金融服务驿站为前沿阵地，常态化开展金融政策宣讲、信贷业务咨 询、金融志愿服务、金融普法鹤乡行等活动，持续推动金融服务与乡村治理、产业发展 ...

2025年，中国人民银行雅安市分行围绕四川省"锦绣天府·安逸四川"和雅安市"天府之肺·熊猫雅 安"的战略擘画，以建设世界大熊猫文化旅游重要目的地为引领，全力构建"1+5"文旅目的地矩阵。中国 人民银行雅安市分行的统计数据显示，截至2025年11月末，雅安市文旅产业贷款余额57.67亿元，同比 增长7.93%。 政策活水精准滴灌 构建产业金融新生态 文旅产业投资大、周期长、轻资产，传统融资模式往往面临瓶颈。中国人民银行雅安市分行经过调 研和反复论证，创新构建了"政府牵头、人行推动、部门联动、监管督导、金融机构参与"的五位一体工 作机制，打破了部门壁垒，让金融政策与产业规划同频共振。 产品矩阵破解难题 创新满足多元融资需求 中国人民银行雅安市分行引导金融机构围绕文旅产业核心资源与未来收益做文章，打造出一套特色 鲜明的文旅信贷"工具箱"。 围绕核心IP创新。例如雅安市商业银行量身定制"熊猫贷"，不仅利率优惠、期限最长可达10年，更 创新采用"收费权质押"等组合担保模式，专项浇灌大熊猫文旅目的地建设，截至2025年11月末，贷款余 额达2.6亿元。 聚焦特色业态创新。针对蓬勃发展的民宿经济，雅安农商银行"民宿贷"额度 ...

在青海东部的河湟谷地，一场由金融力量驱动的绿色变革正悄然展开。2025年以来，中国人民银行 海东市分行聚焦"双碳"目标，锚定能源结构优化主战场，引导金融机构加大对太阳能、风能等可再生能 源项目的信贷支持力度，持续推动能源智能化、绿色化，尝试着走出一条"'双碳'引领、绿色转型"的金 融赋能新路径。截至2025年三季度末，全市金融机构能源绿色低碳转型贷款余额突破60亿元，资金活水 持续润泽"双碳"目标下的绿色转型发展。 持续开展政策引导 强化金融支持力度 中国人民银行海东市分行推动构建"政策引导+机构联动+精准滴灌"工作模式，着力加强政策引导 与市场机制协同，推动辖区金融机构优化融资环境、创新服务模式、加大融资支持力度。落实《关于进 一步强化金融支持青海省绿色低碳发展的实施方案》和《关于发展绿色金融支持海东市碳达峰行动的指 导意见》等文件，引导金融机构做好绿色金融大文章，推动金融资源精准流向"双碳"项目。该行充分运 用支农支小再贷款及碳减排支持工具、科技创新再贷款等货币政策工具，引导金融机构加强对碳减排、 绿色转型发展等领域的信贷投放和差异化信贷审批机制建设，为各类市场主体在碳减排、节能改造、风 光电项目等方面提 ...

Core Viewpoint - The central economic work conference in 2025 emphasizes the development of county economies, with a focus on enhancing foreign exchange services to ensure comprehensive coverage and continuous policy transmission in the region [1]. Group 1: Foreign Exchange Service Development - The State Administration of Foreign Exchange (SAFE) in the Xing'an League has established a comprehensive foreign exchange service framework, including the "Xinghui Jie" service station and four foreign-related financial direct connection points, to support county-level foreign exchange development [2]. - The "grid-based service" model allows designated banks to deepen product innovation and enhance risk awareness, thereby supporting border trade economic development and improving the quality of foreign trade [2]. Group 2: Policy and Service Innovation - SAFE in the Xing'an League has launched the "Huiyin Enterprise Policy Express" to facilitate communication between financial institutions and foreign-related enterprises, optimizing foreign exchange services for residents and businesses [3]. - Since 2025, SAFE has guided banks in handling foreign exchange derivative business amounting to $93.98 million, marking a significant increase in service accessibility for foreign-related enterprises [3]. Group 3: Seasonal Promotion and Public Engagement - SAFE has implemented a seasonal promotional strategy to educate and engage the public on foreign exchange policies, conducting over 40 on-site activities and reaching approximately 30,000 individuals [4]. - The "Four Seasons Promotion" initiative combines various promotional methods to enhance public understanding of foreign exchange, thereby fostering a supportive environment for enterprises and individuals [4]. Group 4: Future Directions - The SAFE in the Xing'an League aims to connect foreign-related enterprises and local industries with international markets, focusing on high-quality county economic development through tailored foreign exchange services [5].

在位于吉林通化医药高新区的建新科技有限公司智慧工厂的生产线上，为印尼某大型镍铁项目定制 的核心冶炼部件正加紧装配。公司财务负责人拿着建设银行通化市分行批复的3.5亿元综合授信函，对 下一步承接更大海外订单底气十足。这个从一个砖厂机修车间发展起来的"制造业单项冠军示范企业"、 国家级专精特新"小巨人"企业，是通化市唯一一家荣获两项国家级殊荣的企业，建行早在2019年开始就 持续为企业输血赋能，从2600万元的贷款到3.5亿元的综合授信，建行见证了建新科技的跨越式发展， 这同时也是通化市金融助力中小微企业发展的一个缩影。 通化有2/3面积是山区，也被称为"北国山城"。从长白山麓的特色种植养殖，到"中国医药城"的专 精特新，再到走向世界的装备制造，诸多中小微企业的创业故事，共同勾勒出通化经济脉动最生动的线 条。在这线条背后，一股强大而细腻的金融力量正如同松花江的支流，蜿蜒渗透，滋养万物。这股力量 的"引擎"正是来自中国人民银行通化市分行。近年来，该行以高度的政治自觉和使命担当，将"金融工 作的政治性、人民性"书写在服务实体经济的广阔田野和工厂车间，探索出一条富有通化特色的金融支 持中小微企业发展之路，助力这座城市在 ...

农业产业链高质量发展是全面推进乡村振兴、建设农业强国的核心要义。作为全国重要的商品粮基 地和绿色食品生产基地，黑龙江省齐齐哈尔市肩负着保障国家粮食安全与推动农业现代化的双重使命。 近年来，中国人民银行齐齐哈尔市分行深入贯彻中央金融工作会议精神，将普惠金融作为重点推进 工作，锚定农业产业链高质量发展中的痛点与堵点，开展了一系列务实有效的探索实践，为齐齐哈尔成 功入选全国首批产业链供应链生态建设试点城市（全国12个城市之一，东三省唯一）提供了有力有效的 金融支持。截至目前，全市农业产业链贷款余额88.5亿元，同比增长19.1%，带动产业链上2.6万农户、 7588家新型农业经营主体发展。 立足制度建设，构建全链条政策协同体系。中国人民银行齐齐哈尔市分行加强谋划部署，推动出台 《关于深化产业链供应链金融服务实施方案》等多项配套政策，凝聚多方合力，推动做好应收账款确 权、"白名单"企业资源库建立等工作。健全建立主办银行服务机制，指定实力强劲、涉农业务经验丰富 的机构作为链长银行，并搭配多家协办银行，推动形成"一链多行"工作格局。搭建政银企精准对接平 台，开展驻企金融联络员、"百行进万企"等活动，制定"信贷产品""优惠 ...

西城区法院经审理判决，支持贾某的诉讼请求。该法院认为，首先，疾病严重程度应符合公众普遍认 知。肝豆状核变性如不治疗，可能导致严重肝脏或神经系统损害，病死率高于一般人群，已具备重大疾 病的严重性，属于合同约定的保障范围。其次，"二次限定"实质属于免责条款。保险条款在确诊疾病基 础上增设如"出现角膜色素环"等条件，实质是对赔付范围的再次限缩，属于免责条款。保险公司未举证 证明已尽提示说明义务，该条款对被保险人不产生效力。再次，诊断方式不应作为疾病严重程度的认定 标准。根据《健康保险管理办法》第二十三条规定，对重大疾病的确诊方式应符合疾病诊断标准的最新 发展。肝脏活检仅为诊断方式之一，非病情严重程度指标。贾某已通过基因检测等无创方式确诊，合同 要求有创检查作为理赔条件不合理。 许多消费者在重疾险理赔中遇到过类似问题，即保险公司通过疾病定义附加与诊断方式相关的限制条 件，即"二次限定"条款。除了本案中的肝脏活检，诸如"严重肌营养不良症需肌肉活检"等将特定诊断方 式与理赔绑定的条款，在多家保险公司的产品中均有出现。西城区法院指出，对重大疾病的界定应聚焦 于疾病是否严重影响到健康与生活，只要诊断方式符合通行医学标准即可， ...

Core Viewpoint - The small loan industry in China is undergoing significant restructuring due to stringent regulations and market changes, leading to the exit of numerous non-compliant companies and a shift towards high-quality, compliant operations [2][3][11]. Group 1: Industry Restructuring - The Shandong Provincial Financial Management Bureau has announced the cancellation of trial qualifications for eight small loan companies, including Vanke and Huatian Tong [1]. - The implementation of the "Interim Measures for the Supervision and Administration of Small Loan Companies" in January 2025 marks a new phase for the industry, focusing on compliance and high-quality development [2][5]. - The industry is experiencing a "shuffle," with many companies being eliminated due to non-compliance and operational inefficiencies [3][6]. Group 2: Company Statistics - As of September 2025, there are 4,863 small loan companies in China, a decrease of 111 from the second quarter of 2025, with a total loan balance of 7,229 billion yuan, down by 319 billion yuan [8][9]. - The number of employees in the small loan sector has also seen changes, with a total of 40,752 employees across the remaining companies [9]. Group 3: Financing and Capitalization - In 2025, over 30 small loan companies have completed capital increases to strengthen their financial positions, with notable examples including WeChat Pay's small loan company increasing its registered capital from 10.526 billion yuan to 15 billion yuan [12]. - The industry is witnessing a trend where companies are diversifying their financing channels, including bank loans and asset-backed securities, to enhance their capital strength [12][13]. - Major internet-based small loan companies are leading the way in financing activities, with several raising over 10 billion yuan through asset-backed securities [13]. Group 4: Future Outlook - Experts suggest that the ongoing industry cleanup is not yet complete, and small loan companies must align with regulatory requirements and develop differentiated competitive advantages to survive [11]. - The trend of "the strong getting stronger and the weak getting weaker" is expected to continue, emphasizing the need for compliance and innovation in product offerings [13].