Core Viewpoint - The article highlights the transformative impact of inclusive finance on rural revitalization in the Miao ethnic village of Shibadong, Hunan Province, showcasing how financial products like "Miao Embroidery Loan" have empowered local artisans and improved their livelihoods [1][12]. Financial Support and Development - The establishment of financial services in Shibadong began with the Agricultural Bank of China setting up a service point in 2014, facilitating 1,568 transactions totaling 602,900 yuan [6]. - The introduction of the Xiangxi Changxing Village Bank in 2017 provided a local banking presence, allowing villagers to store money safely and access loans without collateral [7]. - The bank has issued a total of 27.1 million yuan in credit to the village, enabling the development of various agricultural projects, including a kiwi fruit base [7]. Miao Embroidery Cooperative - The Miao Embroidery Cooperative, founded by Shibadong's former village leader, has evolved from struggling to secure orders to successfully partnering with CRRC Zhuzhou Electric Locomotive Co., producing custom embroidery for high-speed trains [5][8]. - The cooperative's annual output value has reached 450,000 yuan, creating jobs for 54 women and generating 200,000 yuan in collective dividends for the village [8]. Agricultural Innovations - The introduction of hybrid cattle breeding in 2020 has improved local livestock farming, with the "Yellow Cattle Breeding Loan" allowing farmers to secure funding without collateral [10][11]. - Farmers can now use livestock as collateral for loans, which has led to increased cattle production and income for local farmers [11]. Policy Support and Financial Products - The Xiangxi government has implemented policies to support inclusive finance, including a 200 million yuan risk reserve fund and low-interest loans for agricultural projects [12]. - The introduction of specialized loans like "Miao Embroidery Loan" and "Yellow Cattle Loan" has been complemented by interest subsidies, reducing the effective interest rate for farmers to below 3% [12]. Socioeconomic Impact - Since the implementation of targeted poverty alleviation measures in 2013, the average annual income in Shibadong has increased from 1,668 yuan to over 20,000 yuan, reflecting significant socioeconomic progress [13]. - The village has become a model for inclusive finance, with its experiences being replicated in other rural areas across China, demonstrating the potential of financial services to drive rural development [14].

更新后的《目录》共收录截至2025年12月31日已发布实施的外汇管理主要法规169件，按照综合、 经常项目外汇管理、资本项目外汇管理、金融机构外汇业务监管、人民币汇率与外汇市场、国际收支与 外汇统计、外汇检查与法规适用、外汇科技管理八大项目分类，并根据具体业务类型分为若干子项。本 次新纳入《目录》的文件主要涉及跨国公司本外币一体化资金池业务、跨境投融资、债券回购、对外金 融资产负债及交易统计制度等。 责任编辑：袁浩 本报讯 记者马玲报道 为深入贯彻落实党的二十届四中全会和中央经济工作会议精神，提升外汇领 域法规政策透明度，日前，国家外汇管理局更新发布了《现行有效外汇管理主要法规目录（截至2025年 12月31日）》（以下简称《目录》）。 ...

Industry Overview - In December 2025, the total original insurance premium income of China's insurance industry reached 6.12 trillion yuan, with property insurance contributing 1.47 trillion yuan and life insurance contributing 4.65 trillion yuan [1] - The original insurance claims paid by the industry amounted to 2.44 trillion yuan [1] - On a comparable basis, the industry's total original insurance premium income grew by 7.4% year-on-year, while original insurance claims paid increased by 6.2% [1] Financial Performance - By the end of 2025, the total assets of China's insurance industry reached 41.31 trillion yuan, reflecting a year-on-year growth of 15.1% [1] - The net assets of the industry stood at 3.66 trillion yuan, with a year-on-year increase of 10.2% [1] Company-Level Insights - In 2025, property insurance companies reported original premium income of 1.76 trillion yuan and claims paid of 1.17 trillion yuan [1] - Breakdown of premium income by type for property insurance includes: 940.9 billion yuan for auto insurance, 142.8 billion yuan for liability insurance, 155.5 billion yuan for agricultural insurance, 227.4 billion yuan for health insurance, and 59.3 billion yuan for accident insurance [1] - Life insurance companies generated original premium income of 4.36 trillion yuan and claims paid of 1.28 trillion yuan [1] - Breakdown of premium income by type for life insurance includes: 3.56 trillion yuan for life insurance, 36.8 billion yuan for accident insurance, and 769.9 billion yuan for health insurance [1]

2025年车险保费近万亿元 2025年，财产险公司原保费收入1.76万亿元，赔付支出1.17万亿元。按可比口径，行业汇总原保险保费 收入同比增长3.9%。分险种来看，车险、责任险、农险、健康险、意外险保费收入分别为9409亿元、 1428亿元、1555亿元、2274亿元、593亿元。 从公司层面看，2025年，人身险公司原保费收入4.36万亿元，赔付支出1.28万亿元。按可比口径，行业 汇总原保险保费收入同比增长8.9%。 分险种来看，寿险、意外险、健康险保费收入分别为3.56万亿元、368亿元、7699亿元。 值得关注的是，从2025年12月单月看，人身险公司原保费收入2152亿元，同比增长6.0%，由负大幅转 正，前值为-2.4%。华西证券(9.010, -0.21, -2.28%)认为，这主要与部分险企冲刺年度业绩目标有关。 东吴证券非银金融孙婷研究团队预计，上市险企2026年"开门红"表现亮眼。当前，保险产品预定利率吸 引力相对较高，有利于2026年新单保费增长。 近日，金融监管总局公布了2025年12月保险业经营情况。总体来看，2025年，我国保险业原保险保费收 入6.12万亿元，其中财产险1.47 ...

#中方要求美方立即停止错误行径#【#外交部回应美扣押遣返中企人员#】今天，外交部例行记者会上， 发言人林剑表示，近期，美方执法部门多次对中国企业人员进行长时间无理盘查、扣押并遣返，执法手 段粗暴，严重侵犯中国公民正当合法权益，严重破坏两国正常的商务交流合作和人文交往氛围，更与两 国元首釜山会晤关于加强经贸领域合作的共识严重不符。中方对此强烈不满、坚决反对。中方敦促美方 严肃认真对待中方关切，要求美国执法部门立即停止错误行径，停止对中国企业人员的无端盘查，切实 落实两国元首重要共识，保障两国人民正常、友好交流。中方将继续采取坚决有力措施，坚定维护中国 公民的正当合法权益。 ...

截至2025年末，我国保险业资产总额41.31万亿元，同比增长15.1%；净资产3.66万亿元，同比增长 10.2%。 近日，金融监管总局公布了2025年12月保险业经营情况。总体来看，2025年，我国保险业原保险保费收 入6.12万亿元，其中财产险1.47万亿元、人身险4.65万亿元；保险业原保险赔付支出2.44万亿元。按可比 口径，行业汇总原保险保费收入同比增长7.4%，原保险赔付支出同比增长6.2%。 人身险公司原保费收入同比增长8.9% 人身险公司原保费收入同比增长8.9% 从公司层面看，2025年，人身险公司原保费收入4.36万亿元，赔付支出1.28万亿元。按可比口径，行业 汇总原保险保费收入同比增长8.9%。 分险种来看，寿险、意外险、健康险保费收入分别为3.56万亿元、368亿元、7699亿元。 值得关注的是，从2025年12月单月看，人身险公司原保费收入2152亿元，同比增长6.0%，由负大幅转 正，前值为-2.4%。华西证券认为，这主要与部分险企冲刺年度业绩目标有关。 东吴证券非银金融孙婷研究团队预计，上市险企2026年"开门红"表现亮眼。当前，保险产品预定利率吸 引力相对较高，有利于202 ...

1月26日，文化和旅游部发布2025年国内居民出游数据情况。根据国内居民出游抽样调查统计结 果，2025年，国内居民出游人次65.22亿，比上年同期增加9.07亿，同比增长16.2%。国内居民出游花费 6.30万亿元，比上年同期增加0.55万亿元，同比增长9.5%。 在新年伊始陆续召开的地方两会上，很多地区对今年的文旅工作作出明确部署。如2026年河南省政 府工作报告提出，推进"文旅+百业""百业+文旅"融合发展，打造一批景区、街区、工业遗产等沉浸式体 验新空间。同时，很多地区也抢抓元旦、春节"双节"旅游旺季的机遇，纷纷祭出各种花式揽客和消费引 流活动，争取实现文旅消费"开门红"。1月16日，"北国好风光 惠聚黑龙江"文旅促消费暨春节文旅消费 月主场活动启幕。据了解，本次活动将文化演艺与文旅推介深度融合，推出了鄂伦春族服饰展演、马头 琴呼麦表演等极具民族特色的文体活动。黑龙江省文旅部门将以本次活动为契机，持续激发文旅市场消 费潜力，丰富冰雪文旅产品供给，推动文旅产业从"一季红"迈向"全年旺"。 文旅市场为何不断升温增效？首先是因为在供给端文旅产品和新业态升级，使得消费体验更加多 元、更具沉浸感，激发了消费内在 ...

Group 1 - The manufacturing Purchasing Managers' Index (PMI) in January was 49.3%, a decrease of 0.8 percentage points from the previous month, indicating a decline in manufacturing activity due to seasonal factors and insufficient market demand [1] - The production index was at 50.6%, indicating continued expansion in manufacturing production, while the new orders index fell to 49.2%, reflecting a drop in market demand [1] - Industries such as agricultural processing and aerospace showed strong production and new orders indices above 56.0%, while sectors like petroleum and automotive experienced a slowdown with indices below the critical point [1] Group 2 - The price indices for major raw materials and factory prices rose to 56.1% and 50.6%, respectively, influenced by recent increases in commodity prices, marking an improvement in the overall price level in the manufacturing market [1] - The raw material inventory index decreased to 47.4%, indicating a continued reduction in the inventory of major raw materials in manufacturing [1] - High-tech manufacturing PMI was at 52.0%, maintaining a strong performance, while the equipment manufacturing PMI was at 50.1%, indicating expansion [2] Group 3 - Large enterprises maintained a PMI of 50.3%, indicating continued expansion, while small and medium-sized enterprises saw declines in their PMIs to 48.7% and 47.4%, respectively [2] - The production and business activity expectation index was at 52.6%, showing optimistic expectations among enterprises, particularly in the agricultural and food sectors [2] - Macroeconomic policies are expected to become more proactive, focusing on expanding domestic demand, with recent government initiatives aimed at stimulating consumption [3]

Core Viewpoint - The construction of zero-carbon factories is a crucial strategy for enhancing the green and low-carbon development level of industries and improving their competitiveness in the green and low-carbon sector. The recent issuance of the "Guiding Opinions on the Construction of Zero-Carbon Factories" by five departments, including the Ministry of Industry and Information Technology, marks a significant step towards promoting carbon reduction and green transformation in key industries [1][2]. Group 1: Goals and Pathways - The "Guiding Opinions" systematically outline the main goals and construction pathways for zero-carbon factory development in China, emphasizing the importance of carbon reduction and efficiency enhancement [1]. - The construction of zero-carbon factories is seen as a means to cultivate new productive forces and support the achievement of carbon peak and carbon neutrality goals [1]. Group 2: Technological Innovation - Zero-carbon factory construction relies on technological innovation, structural adjustments, and management optimization to continuously reduce carbon dioxide emissions within factories [2][3]. - The focus is on achieving near-zero emissions rather than absolute zero, with an emphasis on continuous improvement under current technological and economic conditions [2]. Group 3: Standards and Management - The success of zero-carbon factory construction hinges on having standards for benchmarking, focusing on both source reduction and process decarbonization [4]. - The "Guiding Opinions" require factories to meet energy efficiency standards and implement management optimizations to ensure efficient operation of equipment [4][5]. Group 4: Supply Chain Collaboration - The "Guiding Opinions" advocate for a collaborative approach to carbon reduction across supply chains, emphasizing the analysis of carbon footprints of key products and the adoption of green low-carbon solutions in procurement and logistics [5][6]. - A digital energy and carbon management center is recommended to enhance data management capabilities, supporting process control and effectiveness evaluation [5][6]. Group 5: Financial and Policy Support - The construction of zero-carbon factories involves integrated innovation in policies, standards, and business models, with a focus on creating a collaborative ecosystem for carbon reduction [7]. - The "Guiding Opinions" highlight the role of green finance in supporting zero-carbon factory construction, including mechanisms for preferential credit and innovative financial products to lower transformation costs for enterprises [7][8]. Group 6: Carbon Offset Principles - The "Guiding Opinions" establish the principle of "reduce as much as possible, continuously improve," emphasizing that carbon offsetting should only occur after all feasible reductions have been made [8].

本报讯 记者余嘉欣报道 1月30日，中国银行业协会发布《金融机构个人消费类贷款催收工作指引 （试行）》（以下简称《指引》），规范会员单位和外部催收机构对信用卡及个人消费信贷催收行为， 促进行业健康发展。 《指引》明确，会员单位催收业务应依法合规开展，在本指引的行为框架内实施，不得侵害债务人 的合法权益，抵制各种形式的违规催收和暴力催收。应当保障债务人的知情权，以显著方式告知债务人 归还欠款的法定义务及逾期后果。 中国银行业协会表示，下一步将加强跟踪指导，做好《指引》实施工作，在推动行业高质量发展的 新征程上不断迈进。 责任编辑：袁浩 据悉，《指引》共七章五十四条，从加强行业自律、规范业务发展的角度，通过催收行为定义、催 收行为规范、外部催收机构管理、内控管理、促进行业健康发展五个方面对规则进行制定。 一是定义催收行为，对行业内的各类催收行为定义进行了明确。二是建立催收行为规范，对社会关 注的催收时间、频次、联系信息获取等热点问题进行了全面梳理，突出强调易理解可执行，设置了禁止 红线。三是强化外部机构规范治理，明确了会员单位对外部催收机构管理的各项要求，建立约束机制。 四是加强催收业务内控管理，要求全面提升机构 ...