新年伊始，在泉州经营电商的张先生松了口气。2026年1月初，他成功从泉州银行获得了一笔100万元的 经营循环贷款，用于春节前的备货。"这次政策相当于给了我一个重塑信用的机会。"他说。此前，因创 业初期的几次小额逾期记录，他的贷款申请屡次被拒。 张先生的转机缘于中国人民银行于2025年12月22日发布的一次性信用修复政策。2026年1月1日，一次性 信用修复政策在全国正式生效。中国人民银行福建省分行认真贯彻落实上级行的工作部署，立足福建实 际，通过建立"清单式管理+动态跟踪"机制，便利公众了解自身信用、提升政策惠民成效，推动达到"主 动履约—信用修复—再获融资"的良好效果。据统计，新年首月，全省共高效答复政策咨询2.4万人次， 提供详版信用报告查询20万笔，查询量平稳，分流有效，金融服务更便捷高效。据中国人民银行福建省 分行测算，该政策预计将惠及福建省内约260万名信用受损的个人，其中包括大量个体工商户与青年创 业者。 为确保政策红利安全、充分直达，中国人民银行福建省分行构建了全方位的实施与保障体系。 政策的温度体现在一个个具体而微的案例中。对于中国银行莆田分行的客户林先生而言，一个主动告知 的电话，让他压在心 ...

Core Insights - The People's Bank of China Jiangxi Branch aims to implement a moderately loose monetary policy by 2025, utilizing various monetary policy tools to ensure sufficient liquidity and support the financing needs of the real economy [1][2] - By the end of December 2025, Jiangxi's total loans in both domestic and foreign currencies reached 66,886 billion yuan, an increase of 4,370 billion yuan from the beginning of the year, reflecting a year-on-year growth of 7% [1] - The province's deposit balance reached 67,905 billion yuan, with an increase of 5,582 billion yuan, marking a year-on-year growth of 9% [1] Financial Support and Credit Structure - Jiangxi has intensified financial support in key sectors, with manufacturing loans reaching 6,318 billion yuan by the end of 2025, a year-on-year increase of 14.4%, surpassing the overall loan growth rate by 7.4 percentage points [2] - The service sector, excluding real estate, saw loans amounting to 27,394 billion yuan, with an annual increase of 2,797 billion yuan, accounting for 64% of the total loan increment, which is a 13.4 percentage point increase from 2024 [2] Policy Framework and Sectoral Growth - The People's Bank of China Jiangxi Branch, in collaboration with local financial management departments, has established a policy framework for the "Five Major Financial Articles," which aims to enhance the effectiveness of structural monetary policy tools [2] - By the end of 2025, loans in the "Five Major Financial Articles" sectors totaled 29,032 billion yuan, reflecting a year-on-year growth of 16.9% [2] - Key sectors such as technology, green finance, inclusive finance, elderly care, and digital economy saw significant loan growth rates of 17.4%, 25.6%, 11.6%, 79.4%, and 22.1% respectively, all exceeding the overall loan growth rate [2]

Core Viewpoint - The financial support from the People's Bank of China in Zhumadian City is significantly enhancing agricultural productivity and ensuring food security as the Spring Festival approaches, benefiting local farmers and businesses [1][2][3][4][5][6][7] Group 1: Financial Support for Agriculture - The financial policies have enabled companies like Shuangjian Flour Industry to process large quantities of wheat, ensuring a steady supply of quality food products for consumers during the festive season [1] - The establishment of a "Farm Machinery Financial Service Group" has facilitated over 300 million yuan in loans to support agricultural machinery purchases, benefiting thousands of farmers and cooperatives [2] - The integration of multi-dimensional funding data and innovative risk assessment mechanisms has led to the approval of 800 loans totaling 2.554 billion yuan by 2025, enhancing credit access for local agricultural enterprises [3] Group 2: Local Agricultural Development - The local government is promoting the pig farming industry, with a focus on modernizing facilities and improving supply chains, resulting in a robust market for pork products ahead of the Spring Festival [4] - The financial institutions are tailoring credit products to local market needs, such as "Fumin Loan" and "Breeding Loan," to support the agricultural sector and enhance the quality of local products [4] Group 3: Agricultural Product Processing - The Zhumadian branch of the People's Bank is guiding financial institutions to support the agricultural processing industry, with companies like Lingxin Agricultural Technology receiving tailored loans to expand production [5] - The processing of local specialties has not only met domestic demand but has also successfully entered international markets, showcasing the value-added potential of agricultural products [5] Group 4: Enhancing Payment Services - The implementation of a mobile payment service system has improved transaction efficiency for farmers, allowing them to manage their finances more effectively and save costs [6] - Initiatives like the "First Secretary Agricultural Product Exhibition" have successfully increased sales of local products, generating over 1.2 million yuan in revenue through innovative marketing strategies [6] Group 5: Cash Management for Festivities - The People's Bank has increased the supply of new banknotes for the Spring Festival, ensuring that local residents can celebrate with fresh currency, which is culturally significant [7] - The bank's efforts to facilitate cash exchange in rural areas have resulted in over 10 million yuan in new banknotes being distributed, enhancing the festive atmosphere [7]

2月3日，《中共中央国务院关于锚定农业农村现代化扎实推进乡村全面振兴的意见》(以下简称《意 见》)正式发布。这是党的十八大以来第14个指导"三农"工作的中央一号文件，对锚定农业农村现代 化、扎实推进乡村全面振兴进行了部署。 作为国民经济的血脉，金融是激活乡村发展动能的关键力量。为将金融活水更好引向乡野大地，《意 见》提出，要"创新乡村振兴投融资机制"，推动构建多元投入格局。 完善多层次融资体系，破解涉农项目融资痛点。《意见》明确提出"优先保障农业农村领域一般公共预 算投入"，并将专项债、超长期特别国债纳入农业农村重大项目融资工具箱，精准匹配农业农村项目"周 期长、见效慢、风险高"的特点，有效缓解项目方偿债压力。同时，持续释放财政金融协同效应，不断 强化支农支小再贷款、科技创新再贷款的政策激励作用，以"财政贴息+金融让利"的联动机制，既降低 涉农主体融资成本，也引导金融资源向粮食安全、种业振兴等重点领域倾斜。 当然，为乡村全面振兴提供金融服务，并非一味地投入资金支持，更要讲智慧。只有因地制宜提供金融 服务，才能推动乡村产业形成良性循环，为乡村全面振兴注入持久动力。乡村产业发展具有鲜明地域 性，金融支持需立足各地 ...

关键词一：5% 国内生产总值（GDP）增速是衡量地区经济发展的关键指标。2026年，在已公布信息的逾20个省自治区 直辖市中，多地将经济增速目标设定在5%左右。 2025年北京GDP增速为5.4%，高于全国5%的增速，2026年，北京经济社会发展主要预期目标是"地区生 产总值增长5%左右"。北京市发展改革委相关负责人表示，这一目标既有利于提振信心，激励各方共同 努力，也有利于把握发展主动，为应对不确定性和解决发展问题留出空间。 中部经济大省河南2025年GDP同比增长5.6%，并把"经济增长5%左右"定为2026年经济社会主要预期目 标，表示要在实际工作中努力争取更好结果。在东北地区，吉林省也将GDP增速目标设定为5%左右， 同时提出要实现新能源产业产值增长8%以上，装备制造业增加值增长10%左右，加快构建产业发展优 势。"这些目标的设定体现了自我加压、更加有为，是务实、理性、奋进、科学的。"吉林省政府工作报 告指出。 多个省份设定了经济增长区间目标。其中，浙江、江西2026年经济社会发展主要预期目标为全省生产总 值增长5%至5.5%，广东、黑龙江将2026年的目标增速定为地区生产总值增长4.5%至5%。值得 ...

本报讯 记者赵萌报道 近日，中国人寿（601628）集团成员单位广发银行在京召开2026年工作会议，深 化落实中国人寿集团2026年工作会议，总结2025年工作，部署下一步重点任务。 会议强调，"十五五"时期是广发银行改革攻坚、转型破局的关键窗口期。全行上下要抓住和用好难得的 发展机遇，坚定信心、乘势而上，努力成为集团高质量发展的中坚力量和综合金融的重要依托、服务粤 港澳大湾区主力银行。突出价值创造这一鲜明导向，发挥背靠国寿、根植湾区两大特色优势，着力锻造 协同创新、跨境服务、风险管控、科技支撑四项专业能力。 会议要求，广发银行要按照集团"333战略"和2026年工作要求，坚持稳中求进、提质增效，坚定不移推 动高质量发展。要突出政治引领，在强化党的建设上开创新局面；突出价值创造，在推动高质量发展上 展现新作为；突出特色发展，在打造核心竞争优势上实现新突破；突出改革创新，在培育发展动能上激 发新活力；突出风险防控，在统筹发展与安全上取得新成效。 ...

应对新型商标侵权，需构建司法与监管的协同治理体系。检察机关应联合技术部门破解电子化侵权、跨 境链路售假等取证难题，对翻新造假、服务商标冒用等新类型案件明确裁判标准，保持高压惩治态势； 监管部门需针对网络电商、跨境贸易等新业态，建立全链条溯源机制，督促平台履行主体责任，对付费 推广引流、正品链接跳转等违规行为强化监测与处罚，从源头压缩侵权空间。 筑牢知识产权保护防线，同样离不开企业与消费者的积极配合。企业应主动升级防护手段，针对电子化 商标使用场景搭建防伪验证系统，对服务商标建立全流程使用规范，同时强化维权意识，及时固定侵权 证据；消费者需提升新型侵权辨识能力，购买商品时留意"三码"一致性、电子标识验证渠道等细节，拒 绝低价"高仿""翻新无标"产品，发现侵权行为主动向监管部门举报。当司法、监管、企业、消费者形成 合力，才能构建起全方位、多层次的保护网络，让商标侵权无处遁形。 从企业强化商标管理与维权意识，到消费者主动选择正版、抵制侵权，再到监管部门紧跟技术与业态步 伐完善治理，唯有多方协同、久久为功，才能让知识产权得到充分尊重与保护，让创新活力持续迸发， 让市场秩序更加公平有序，为经济社会发展注入不竭动力。 保 ...

《金融时报》记者了解到，这些创新产品大多打破了传统担保对抵质押物的依赖，更多依托企业经营信 用、知识产权、产业场景等开展增信，有效破解了实体经济主体"缺抵押、难增信"的核心痛点。 例如，针对科技型小微企业"轻资产、高成长、高风险"的特点，专属担保产品成为赋能科创的"金钥 匙"。 传统融资模式成本较高，一定程度上压缩了利润空间。浙江中电环境科技公司中标了某大型项目，企业 负责人却因垫付资金陷入两难。嘉兴市融担公司依托国家融资担保基金"科技创新专项"政策通道推出 了"科技创新保"，将企业"订单+专利"优势转化为信用担保额度，联合某银行助力担保贷款迅速到 位。"叠加各类相关政策后，企业的综合融资成本骤降，利润空间就出来了。"企业负责人的喜悦之情溢 于言表。 国家融资担保基金发布的数据显示，2025年，融担基金服务各类科创名单内企业业务规模达3803.90亿 元，占全部业务的25.83%。31个省（区、市）落地科技创新担保专项计划业务，全年完成业务规模 1413.62亿元、4.35万笔，支持科创企业3.44万户。从支持行业来看，业务规模占比居前三位的是工业、 软件和信息技术服务业、批发业，占比分别为69.06%、9. ...

Core Viewpoint - The Ministry of Commerce and nine other departments have released a special plan for the 2026 "Spring Festival Shopping" event, aimed at boosting consumer spending during the holiday season [1] Group 1: Consumer Incentives - The plan encourages local governments to increase the number of subsidies for exchanging old consumer goods for new ones during the Spring Festival [1] - It emphasizes the need for offline retail support and urges businesses to conduct promotional activities related to automobiles, home appliances, digital, and smart products [1] - The initiative aims to create product experience zones for smart terminals and offer more discounts to consumers who visit stores for hands-on experiences [1] Group 2: Financial Collaboration - Financial institutions are encouraged to collaborate with key merchants to design exclusive Spring Festival activities, including consumer red envelopes and discounts [1] - The plan suggests combining local promotional activities with offers such as payment reductions and points redemption to stimulate spending [1] - It promotes the use of digital currency smart contracts for consumer red envelopes and emphasizes the importance of ensuring adequate cash availability and operational bank branches to meet public financial service needs [1]

活动现场，建设银行上海市分行有关支行与浦东新区、静安区、徐汇区三个区公租房公司签署合作协 议。首批拟收购房源聚焦房型匹配、布局合理、配套成熟、交通便捷等优势，精准匹配各领域人才"职 住平衡"需求，为更多青年人提供优质居住选择，为城市核心产业发展筑牢人才支撑。 本报讯 记者张冰洁报道 2月2日，建设银行（601939）举办支持上海市首批收购二手住房用于保障性租 赁住房项目签约活动。上海市副市长张小宏、建设银行副行长唐朔出席。来自上海市住建委、房管局、 浦东新区、静安区、徐汇区，建设银行上海市分行以及其他相关单位的70余位代表参加活动。 本次签约强化供给与需求匹配、租赁与购置联动，将推动上海住房保障体系更加完善，进一步拓宽房源 筹措渠道，有效缩短建设周期，优化区域布局，助力形成"政策引导、市场运作、多方协同、群众得 益"的良好格局。 ...