Core Viewpoint - The article emphasizes the importance of local integration and adaptation for rural small financial institutions, highlighting the success of Fuding Hengxing Village Bank as a benchmark in this sector through its community-focused approach and tailored financial products [1][3]. Group 1: Business Model and Strategy - Fuding Hengxing Village Bank has developed a localized business model that integrates deeply with the community, focusing on small loans (not exceeding 3 million yuan) to mitigate risks [1]. - The bank has achieved a deposit balance of 4.771 billion yuan by the end of 2025, with an annual increase of 666 million yuan, and a market share of 8.98%, ranking sixth in Fuding City [1]. - The loan balance reached 5.187 billion yuan, with an annual increase of 389 million yuan, and a market share of 5.96%, placing seventh in the city, with personal loans ranking third [1]. Group 2: Product Offerings - The bank has created a series of financial products called "Five Color Loans," tailored to local industries such as tea and marine economy, achieving a market adaptability of over 90% for its personal loan products [3]. - Specific products include "Tea Farmer Loans," "Tea Enterprise Loans," and "Tea Merchant Loans," which cover the entire tea industry chain, and "Tea Loan Pass," which allows for inventory pledge financing [3]. Group 3: Community Engagement and Social Responsibility - Fuding Hengxing Village Bank actively participates in community service, investing over 8.3 million yuan in social initiatives, including educational support and community welfare activities [4]. - The bank has established various community service initiatives, such as providing free transportation for students during exams and organizing volunteer activities to address local needs [4][5]. Group 4: Human Resources and Corporate Culture - The bank employs a localized team of 140 staff members, with over half having more than ten years of experience, leveraging local knowledge for customer relationship management [6]. - Employee retention strategies include competitive salaries, multi-role training, and a supportive corporate culture that fosters a sense of ownership and responsibility among staff [7]. - The bank emphasizes a management philosophy of "strict management and generous care," balancing performance expectations with employee well-being to ensure stability and growth [7].

从社保"就近办"到AI养鸡"数据贷"——2025年以来，一股金融科技浪潮，正悄然重塑着四川乐山城 乡的生活图景与产业生态。中国人民银行乐山市分行以科技为钥，解锁民生服务新场景；以数据为芯， 驱动乡村产业新生态，书写一份"科技赋能、便民兴农"的新答卷。 科技赋能社银融合提速社保便民服务 "以前办社保得往大厅跑，现在在家门口的银行几分钟就办好。"在乐山市市中区一处社银一体化服 务点，刚完成社保待遇资格认证的李阿姨连连称赞。为破解社保服务"最后一公里"难题，中国人民银行 乐山市分行与乐山市人社部门携手发力，依托数据共享平台打破部门信息壁垒，引导辖内10家金融机构 推进社银一体化网点建设。数据显示，截至2025年11月末，乐山市已建成高标准服务网点50个，实现全 市11个县（市、区）全覆盖。 《金融时报》记者了解到，所有社银一体化服务网点依托金融科技实现了"三统一"：统一建设标 准、统一经办流程、统一服务质量。网点不仅专门设置社保服务专区，更配备了经专业培训的经办人 员，能熟练操作业务终端，高效办理参保登记、个人权益查询打印等42项高频业务，覆盖群众日常所 需。此外，针对老年群体需求，网点还开通了"科技适老"通道，满 ...

Core Insights - Yichun City in Jiangxi Province is transitioning from a "lithium resource city" to a "strong lithium battery industry city," with a complete industrial chain from lithium mining to battery recycling [1] - The city accounts for one-third of China's lithium carbonate production and has a lithium battery capacity exceeding 90 GWh [1] - The lithium battery industry in Yichun benefits from technological advancements, industrial clustering, and green practices, including a nearly 80% lithium recovery rate using the fourth-generation "sulfate method" [1] Industry Overview - The lithium carbonate price has experienced significant fluctuations in 2024, dropping to a historical low of 58,000 yuan per ton in June 2025, before rebounding to 120,000 yuan per ton later in the year [1] - The price is expected to stabilize between 100,000 to 150,000 yuan per ton by 2026, but volatility remains a concern for the industry's risk management [1] Financial Services Development - Agricultural Bank of China Yichun Branch has increased loans to strategic emerging industries, particularly lithium batteries, by 3.405 billion yuan, a growth rate of 122.26%, significantly above the bank's average [2] - The bank has served 126 enterprises, including 24 new clients, covering the entire industrial chain from leading companies to small and medium-sized enterprises [2] - Innovative service models have been implemented, including the establishment of financial service teams and the use of "Technology e-loan" products to support companies with urgent funding needs [2] Risk Management and Support Mechanisms - The bank has created a financial service platform to enhance price risk management and has established a risk mitigation fund to improve the resilience of enterprises against market fluctuations [3] - A differentiated credit system has been developed, linking financial resources to technological advancement, environmental compliance, and industry chain position, with a focus on solid-state batteries and lithium recycling [3] - Collaborative efforts with local government have led to the establishment of a "government-bank guarantee" risk-sharing mechanism, creating a diversified funding support system [3] Strategic Goals - The lithium battery industry is a key component of the national new energy strategy and a core driver of high-quality economic development in Yichun [3] - The Agricultural Bank of China Yichun Branch aims to continue innovating financial products and services to support the lithium battery industry and contribute to regional economic growth [3]

推动西部（成都）科学城和中国（绵阳）科技城协调联动、优势互补是落实国家高水平科技自立自 强战略，实施"四化同步、城乡融合、五区共兴"部署的重要举措，也是构建"极核引领、次级支撑、竞 相发展、片区协同"区域发展新格局的重要抓手。 中国人民银行四川省分行以成都绵阳科技金融协同创新为突破口，从机制共建、政策协同、服务创 新、平台共享四方面扎实推进区域金融一体化发展，2025年成绵两地科技贷款新增突破千亿元，贷款增 量占四川全省比重超60%。 机制共建：构建常态化联动新格局 《金融时报》记者了解到，为凝聚成绵科技金融协同发展合力，中国人民银行四川省分行与绵阳市 分行建立了科技金融直联协同机制，形成"省级统筹、市级联动、协同推进"的工作格局。在政策谋划 上，该机制推动成绵两地在政策互认与规划衔接上取得突破，相关工作被同步纳入两市金融发展规划； 在政策执行上，通过将协同创新工作纳入科技金融服务效果评估体系、运用金融机构主要负责人会议等 专项会议部署等方式强化协同督导，为两地科技金融协同发展提供了坚实的机制保障。 服务创新：构建金融服务新体系 为提升科技企业融资服务的效率和可得性，中国人民银行四川省分行联动绵阳市分行，以" ...

村镇银行作为我国农村金融体系的重要组成部分，自设立以来始终以服务"三农"、小微企业和县域 经济为目标，在填补农村金融服务空白、激发县域金融活力等方面发挥了重要作用。然而，受先天禀赋 不足、后天经营失范等多重因素影响，部分村镇银行陷入经营困境，风险隐患逐步暴露。在此背景下， 重组并购成为化解村镇银行风险、推动其高质量发展的关键路径。当前，村镇银行重组并购已进入"减 量提质"的深水区，模式呈现多元化特征，但如何选择契合其定位的问题，避免金融服务"离农脱小"， 成为亟待解决的问题。本文探讨以优秀村镇银行为核心的同业重组并购模式的可行性与优越性，以期为 村镇银行改革发展提供思路。 一、村镇银行重组并购的情况分析 近年来，我国村镇银行重组并购步伐持续加快，尤其是2023年以来，退出数量大幅增加。从整体趋 势看，村镇银行重组并购已从零星个案转向常态化，形成了以"村改支""村改分"为主流的格局，同时参 与主体不断扩容，风险处置与资源整合并重的特征日益凸显。 从数量维度看，村镇银行"减量提质"成效显著。金融监管总局官网披露的金融许可证注销信息显 示，2022年全年注销退出的村镇银行仅8家，2023年增至9家，2024年攀升至 ...

围绕银发经济发展，构建"产业支持+产品供给+服务保障"全链条体系。在产业支持上，对接民 政、人社部门梳理养老企业需求清单，2025年，全盟累计投放养老产业贷款686.29万元，支持养老企业 9户。在产品供给上，推广个人养老存款、理财等产品，如工商银行"如意人生"养老理财产品销售额达 2018.32万元，同比增长797%。截至12月末，全盟个人养老金余额1642.53万元，同比增长169.4%。在服 务保障上，实现金融机构网点适老化改造全覆盖，提供社保卡激活等7类上门服务3356次；优化ATM 机、手机银行老年版界面，字体放大150%、信息量精简68%；构建"监测—拦截—宣教"反诈体系，开 展宣传培训215场，覆盖1.3万余人次，成功阻断老年人诈骗案件2起，守护老年人财产安全。 推动金融数字化转型与数字经济发展同频共振。一是助力数字产业融资。推动中征应收账款融资服 务平台、全国中小微企业资金流信用信息共享平台、动产融资统一登记公示系统应用模式创新，打造数 字征信服务矩阵，激发产业链、供应链活力，推动地方实体经济高质量发展。今年以来，累计通过"两 平台一系统"为辖内企业促成融资13.58亿元，截至2025年12月 ...

Core Insights - The Gobi Desert region in Qinghai Province is a significant ecological security barrier in western China, with unique natural conditions that create a "golden production area" for organic goji berries [1] - The goji berry industry has become a crucial pillar for local farmers' income, contributing to both economic development and ecological restoration [1] - The People's Bank of China in Haixi Prefecture is actively exploring financial support models for the "forest + medicine + ecology" business development, encouraging financial institutions to increase credit investments throughout the entire cycle of planting, processing, and sales [1] Group 1 - The Industrial and Commercial Bank of China in Golmud successfully issued a biodiversity-related loan of 850,000 yuan to Golmud Qisheng Technology Development Co., Ltd. for organic goji berry harvesting and processing upgrades [2] - The company, a leading player in the organic goji berry sector in Haixi Prefecture, exports products to countries like Australia, Canada, and Japan, and is expanding its organic goji berry cultivation and high-value product development [2] - The goji berry planting area in Haixi Prefecture has reached 28,700 hectares, with 16,600 hectares certified as organic, and the "Chaidamu Goji" brand value is estimated at 19.675 billion yuan [2] Group 2 - The ecological benefits of goji berry forests are significant, with 30,000 hectares of goji forests capable of sequestering 1.75 million tons of carbon and releasing 1.78 million tons of oxygen annually, contributing an ecological value of 8 billion yuan [2] - The goji berry, referred to as the "red treasure" of the Gobi Desert, is becoming a "golden engine" for ecological protection and rural revitalization [2]

据统计，2025年以来，全省县域共计1.1万台邮政快递车张贴了宣传海报，在15万余份"包裹面 单"上打印了宣传标语，在覆盖全省70%行政村的1.6万个农村寄递物流综合服务站、村级邮政快递驿站 开展反假货币宣传活动，有效提升了农村居民对假币危害的认识和识别能力，持续筑牢货币流通安全防 线、守护好人民群众"钱袋子"。 责任编辑：袁浩 据了解，该行发布《关于联合开展农村地区反假货币宣传工作的通知》，组织各市州中国人民银行 协同当地邮政管理局、县域邮政公司，利用"邮政快递"渠道和"一村一站"农村寄递物流综合服务站开展 反假货币宣传。在全省农村寄递物流综合服务站、村级邮政快递驿站张贴反假货币宣传海报，设立"反 假货币宣传角"分发宣传资料，将其打造为常年辐射农村居民的反假货币宣传教育前沿阵地。在全省邮 政快递车辆车身张贴反假货币宣传海报，随车搭载反假货币宣传资料，使其化身为穿梭于大街小巷、乡 镇村落的"移动宣传站"。快递车停在哪里，哪里就是乡村人流集聚的反假货币宣传点，实现了反假货币 知识从"人找"到"找人"的转变。同时，在邮政快递电子面单上植入"反假货币人人有责""依法整治利用 互联网平台销售假币等行为""筑牢货币安全 ...

作为中国东方资产管理股份有限公司(以下简称"中国东方")在长三角区域的重要战略支点，中国东方上 海市分公司始终紧扣国家战略导向与上海城市发展脉搏，围绕上海"五个中心"建设、长三角一体化发 展，以化解风险、盘活存量、服务升级展现央企担当，在申城这片热土上书写金融高质量发展答卷。 生态共建推进协同合作 中国东方上海市分公司坚持以战略合作为纽带，通过党建共建、高层互动、专班对接等多种机制，深度 融入地方经济生态。 《金融时报》记者在采访中了解到，中国东方上海市分公司积极主动加强与上海市人民政府相关部门、 在沪交易所、金融机构、大型企业集团及各类市场主体的沟通协作，不断增进互信、深化合作，努力构 建覆盖广泛、互动紧密、良性循环的生态协同长效机制，为高效服务区域发展提供有力支撑。 深耕主责主业以股权业务助力转型发展 中国东方上海市分公司勇于开拓创新，将股权投资业务作为转型发展的重要引擎，围绕科技金融、绿色 金融等战略方向不断探索"股+债"结合、并购重组、结构性投资等创新模式。中国东方上海市分公司通 过基金布局集成电路产业，成功投放上海某市场化债转股项目，作为战略投资人参与上海某资产盘活基 金，将中国东方的专业能力与上海 ...

Core Viewpoint - The 20th Central Committee's Fourth Plenary Session emphasizes the significance of comprehensive deepening of reforms in the new era, providing important directives for the financial industry to serve national strategies and embody political and people-oriented characteristics. Group 1: Implementation of Party's Guidelines - The company aims to deeply understand and implement the spirit of the 20th Central Committee's Fourth Plenary Session, focusing on high-quality development and translating political requirements into actions that support regional economic and social development [1][2]. - As a key player in the financial system, the company is tasked with mitigating financial risks and revitalizing existing assets while supporting the transformation of the real economy and regional development strategies [1][2]. Group 2: Enhancing Professional Capabilities - The company continuously improves its core professional capabilities in risk identification, asset valuation, restructuring, and capital operations to achieve a balance of controllable risks, expected returns, and effective services [2][3]. - The focus is on addressing the pain points of enterprises and the needs of the public, thereby injecting financial momentum into Shanghai's economic and social development [2][3]. Group 3: Risk Mitigation and Asset Revitalization - The company prioritizes financial risk mitigation as a functional task, actively collaborating with small and medium financial institutions to help them and enterprises overcome difficulties, particularly in the real estate sector [3][4]. - Efforts include project rescue and mergers and acquisitions to revitalize existing assets and prevent risk spillover, thereby establishing a solid foundation for economic stability [3][4]. Group 4: Resource Integration for International Financial Center - Leveraging its resources, the company acts as a bridge for cross-institutional, cross-industry, and cross-market resource integration, focusing on high-tech sectors such as new energy and semiconductors [4][5]. - The successful launch of the first REITs project by 2025 expands asset exit channels and enriches the financial market product system, contributing to the construction of the international financial center [4][5]. Group 5: Future Development Path - The company is committed to enhancing its professional service capabilities and optimizing its business model to achieve qualitative and quantitative growth in its core operations [5]. - By focusing on high-tech industries, consumption upgrades, and elder care services, the company aims to develop customized solutions that translate professional capabilities into effective services [5].