为大力提高农户家庭贷款可获得性及贷款便捷度,打通金融助农增收"最后一公里"，浙江湖州吴兴农商 银行聚焦群众的"急难愁盼"问题，持续创新均衡普惠的富民项目、惠民政策和便民服务，通过信贷资金 进村入户、便民服务进村入户、金融知识进村入户等工作,不断提升乡村振兴金融服务效能。截至2025 年9月末，该行乡村振兴领域贷款比2024年初新增55亿元，为农村经济发展注入源源不断的金融活水。 突破服务乡村振兴"难点" 该行始终立足本土、扎根农村,把深耕"三农"、小微市场作为主责主业,深度融入乡村振兴。一方面,加强 农业重点领域金融保障,对种植养殖大户实行清单化管理,大力推广与省农业担保公司合作推出的"农担 通"纯信用信贷产品,根据农业生产特点,灵活确定还款期限,最低可享受同期LPR利率优惠,去年以来,该行 已为177户农户投放"农担通"贷款2.51亿元,切实缓解辖内农户融资难、融资贵问题。另一方面,加大农村 基础设施建设贷款投放力度,创新推出"美丽乡村贷""强村贷"等信贷产品,推动农村人居环境整治、生活 垃圾处置、道路交通等生产生活设施改造。2024年以来，该行已向辖内经济合作社发放贷款近6亿元， 助力农村基础设施提档升级 ...

银行机构优化流程，全力提升行动效能。中国人民银行甘南州分行指导农业银行迭部县支行简化申报材 料、优化审批权限、开辟绿色通道，采取线上线下（300959）一体推进，集中快速发放特色产业贷款 5000万元，解了企业的燃眉之急，为特色产业企业和农牧户设备购置、春耕备耕、扩大生产、升级包 装、拓展市场等提供了精准支持。燎原乳业有限责任公司是甘南州乳品行业的龙头企业，近期，该企业 因进入奶制品收储和春节前生产备货阶段，资金流动紧缺，续贷不畅。针对企业的困难，中国人民银行 甘南州分行指导甘肃银行甘南分行主动靠前服务，优化服务模式，提前介入企业融资全流程，高效完成 贷前调查、风险评审及相关手续，待企业结清原贷款后，立即启动新贷款发放程序，当日投放流动资金 贷款2000万元，满足了企业资金需求，保障了生产与供应的连续性和稳定性。 一年之计在于春。年末岁初，是牛羊收储、春耕备耕的关键时期，也是特色产业资金需求旺盛期。为深 化"一县一业一品"，助力特色产业提质增效行动，精准支持特色产业发展，2026年新年伊始，中国人民 银行甘南州分行抓住关键农时与产业节点，在集中摸排资金需求后，通过构建政银协同、银担联动、链 条带动工作机制，组 ...

Core Insights - The bank aims to enhance the accessibility and convenience of loans for rural households, addressing urgent financial needs and promoting rural revitalization through innovative financial services and policies [1][2][3] Group 1: Financial Services and Products - The bank has introduced various credit products, including the "Nongdan Tong" pure credit loan, which has provided 251 million yuan to 177 farmers, alleviating financing difficulties [2] - New loan products such as "Beautiful Countryside Loan" and "Strong Village Loan" have been launched to support rural infrastructure development, with nearly 600 million yuan disbursed to local cooperatives since 2024 [2] - The establishment of 60 standardized harvest stations and 196 financial service points has enabled the provision of 16 basic financial services, facilitating over 204,300 transactions worth more than 960 million yuan for villagers [3] Group 2: Financial Guidance and Community Engagement - The bank has deployed 155 rural financial service specialists to enhance service levels and expand outreach, promoting a "Household Asset and Liability Statement" financing model [4] - The bank's coverage of the "Household Asset and Liability Statement" has reached 58%, with a target of exceeding 70% by year-end, providing credit loans of up to 500,000 yuan for creditworthy households [4] - Over 120 financial knowledge promotion activities have been conducted, benefiting more than 2,400 farmers, focusing on financial literacy and fraud prevention [4]

一年之计在于春。年末岁初，是牛羊收储、春耕备耕的关键时期，也是特色产业资金需求旺盛期。 为深化"一县一业一品"，助力特色产业提质增效行动，精准支持特色产业发展，2026年新年伊始，中国 人民银行甘南州分行抓住关键农时与产业节点，在集中摸排资金需求后，通过构建政银协同、银担联 动、链条带动工作机制，组织银行业金融机构开展了特色产业贷款集中投放行动。通过该项行动，累计 向2662户经营主体投放特色产业贷款4.84亿元，为特色产业发展提供"春雨"润泽。 政银协同 找准金融与特色产业"焦点" 产品匹配 满足特色产业差异化需求 以提升特色产业企业融资便利度为目标，指导金融机构创新金融产品，着力推动信贷供给与产业需 求实现精准匹配与高效对接。中国人民银行甘南州分行指导农业银行迭部支行，立足县域产业发展实 际，针对特色农产品加工环节中经营主体抵押物不足、季节性资金需求急等特点，创新推出"专业大户 贷""乡旅贷"等差异化信贷产品。着眼农村信用合作联社发挥支农支小主力军作用，指导卓尼县农村信 用合作联社针对中藏药材产业，创新推出"陇药通"专项信贷产品，累计发放贷款51笔、金额1201万元， 覆盖种植、加工、收购、贩运全链条，有 ...

科技创新债券发行业务 国家开发银行 中国农业银行股份有限公司 中国银行股份有限公司 交通银行股份有限公司 上海浦东发展银行股份有限公司 中信银行股份有限公司 兴业银行股份有限公司 中国邮政储蓄银行股份有限公司 中国进出口银行 中信证券股份有限公司 国泰海通证券股份有限公司 华泰证券股份有限公司 年度债市领军人物 << 中国农业银行资产负债管理部总经理 壬雷勇 陈颖轩 中国建设银行资产托管业务部总经理 王海璐 中国工商银行金融市场部总经理 宋福宁 中国银行金融市场部总经理 国家开发银行资金部副总经理 于会服 蔭宏立 上海东东发展银行金$市场总监。 首席经济学家、研究院执行院长 8 裝 交通银行金融市场部总经理 牛天雪 中国农业发展银行资金部副总经理 年度开拓贡献机构 ~~ 年度债市领军机构 200 中国农业银行股份有限公司 中国建设银行股份有限公司 中国工商银行股份有限公司 中国银行股份有限公司 国家开发银行 上海浦东发展银行股份有限公司 交通银行股份有限公司 中国农业发展银行 中信银行运营管理部总经理 凯 林榕辉 兴业银行资金营运中心总经理 郭佳鹏 中国邮政储蓄银行金融市场部副总经理 高 此 中国进出口银行资 ...

Core Viewpoint - The new policy on credit card installment interest subsidies aims to enhance consumer spending by including credit card bill installment services in the subsidy scope, thereby reducing the financial burden on consumers and stimulating consumption potential [1][4]. Group 1: Policy Implementation - The Ministry of Finance, the People's Bank of China, and the National Financial Regulatory Administration issued a notification that includes credit card bill installment services in the subsidy scope with a uniform annual subsidy rate of 1% [1]. - Major state-owned banks and some joint-stock banks have quickly responded by releasing implementation details, simplifying processes, and enhancing risk control measures to ensure effective policy execution [2][3]. - The policy reflects a strong public demand for support in consumer financing, aligning with the principle of "people-centered" policy design [2]. Group 2: Consumer Benefits - The subsidy allows consumers to save approximately 270 yuan in interest over a year when using a 50,000 yuan credit card bill divided into 12 installments [4]. - The policy is expected to significantly alleviate financial pressure on large purchases such as home appliances, cars, and education, thus converting latent consumer demand into actual purchasing behavior [4][5]. - The annual cap for total subsidies has been raised to 3,000 yuan per borrower, with the removal of previous limits on single transaction subsidies [5]. Group 3: Bank Responses and Services - Six major banks have clarified that existing customers with signed agreements will automatically benefit from the new policy without needing to re-sign [2]. - Banks like Agricultural Bank and Postal Savings Bank have outlined the steps for new customers to apply for the credit card installment interest subsidy, emphasizing a simplified process [2][3]. - The banks have committed to not charging any fees for processing the subsidy applications, ensuring a cost-free experience for consumers [8]. Group 4: Market Impact and Growth Potential - The policy is anticipated to drive growth in credit card installment services, especially as consumer awareness increases leading up to the Spring Festival [6]. - Smaller financial institutions are also preparing to implement similar measures, which will help extend the benefits to lower-tier cities and meet diverse consumer needs [6]. - The inclusion of credit card installments in the subsidy program is seen as a crucial step in supporting consumption expansion and improving the quality of financial services [7].

在2025年末备案规模正式突破百亿元后，2026年伊始，慈善信托迎来了首部聚焦信息公开的规范性 文件。 民政部、金融监管总局近日发布《慈善信托信息公开办法》（以下简称《办法》）。《办法》共二 十六条，为发挥慈善信托制度优势、助力慈善事业高质量发展提供了坚实制度保障。 近年来，慈善信托凭借其灵活高效、财产独立、长期存续的独特优势，在助力乡村振兴、帮扶特殊 群体、应对突发公共事件等方面发挥着关键作用，成为连接社会资本与民生需求的重要纽带。根据全国 慈善信息公开平台"慈善中国"统计数据，截至2026年1月28日，慈善信托备案数量达到2799个，合计财 产总规模达107.05亿元。 长期以来，信息不对称导致公众对慈善信托存在信任顾虑，随着慈善信托规模持续扩容、社会影响 力不断提升，慈善信托的透明度成为社会各界关注的焦点，规范信息公开、保障公众知情权成为其健 康、有序发展的必然要求。 内容与时限的精细化要求是《办法》的核心亮点。 针对不同环节和情形，《办法》设定了清晰的要求。如在设立慈善信托时，办理其备案的民政部门 应当自完成慈善信托备案之日起二十日内，公开备案编号、备案日期、备案机关、慈善信托名称、受托 人名称、联系 ...

回顾过去，不仅是对过往复盘，更重要的是对新一年发展进行清晰务实的谋划。当前，信托业仍处 在一个充满机遇与挑战的时代。从市场环境看，"三分类"业务具有深厚的市场基础，为信托行业发展提 供了难得的发展机遇。伴随我国居民社会财富的积累以及老龄化、企业代际传承等时代的到来，多元化 资产管理、资产服务和公益慈善等社会服务需求不断增长，这些需求的满足离不开信托这一工具。我们 看到，2026年伊始，信托公司在服务领域捷报频传——东莞地区落地不动产信托财产登记试点，中原信 托落地河南省首批物业服务信托，粤财信托首单教育类预付款信托落地，上海信托预付类资金服务信托 成立并完成集中签约和上线，这些都是信托公司在服务国计民生和经济高质量发展方面开展的探索，也 是社会各界对信托价值的再认识和肯定。 不可否认，在朝着高质量发展目标迈进的过程中，信托行业仍面临巨大挑战，转型、业绩、风险等 都是各信托公司不可回避的现实问题。近段时间，信托公司2025年成绩单陆续出炉，反映出行业发展正 经历分化与阵痛。传统非标融资类业务收缩，房地产信托风险暴露带来的减值压力仍在消化，部分信托 公司营收与利润双降仍在持续。同时，面对业务调结构，资管市场竞争压 ...

作为成立于1981年的老牌区域信托公司，华信信托的风险处置历程具有一定代表性。自2020年多款 信托产品逾期后，这家曾是区域金融标杆的机构风险化解之路已历时五年。 2025年，其处置工作迎来关键转折。1月，华信信托与持有该公司华冠系列、华悦系列以及悦盈稳 健增长72号定向发行部分信托计划的受益人签署《协议书》，约定在双方签署后7个工作日内向受益人 支付款项；8月，由大连市国有金融资本管理运营有限公司出资设立并由大连市财政局实控的大连安鼎 企业管理有限公司出手，承诺在9月25日前收购符合资格的个人投资者信托受益权；9月，华信信托发布 《安鼎公司受让华信信托个人投资者信托受益权有关事项的公告》，截至2025年9月24日17时，已与安 鼎公司签订信托受益权转让合同的个人投资者达到3004人，整体签约率达到95.5%；2025年11月28日， 大连金融监管局批复同意华信信托依法进入破产程序，这家老牌信托公司的风险处置进入法治化收尾阶 段。 金融是国民经济的血脉，信托业作为金融体系的重要组成部分，其稳健运行关系到实体经济发展与 社会财富安全。过去数年，部分信托机构因公司治理失效、业务模式失衡等问题，风险逐步暴露，不仅 ...

Core Viewpoint - The recent optimization and upgrade of the personal consumption loan interest subsidy policy aims to enhance consumer credit support and stimulate consumption through various measures, including extending the policy duration, expanding the subsidy scope, and increasing the subsidy standards [1][2][3]. Group 1: Policy Enhancements - The policy implementation period has been extended to September 1, 2025, through December 31, 2026, providing a longer support cycle for consumer credit [2]. - The subsidy scope has been expanded by removing the previous restriction on consumption fields for loans of 50,000 yuan and above, allowing for broader application [2][3]. - The subsidy standards have been optimized by eliminating the previous caps on single transaction subsidies and cumulative subsidies for amounts below 50,000 yuan, while maintaining an annual cap of 3,000 yuan per borrower at a single institution [3][4]. Group 2: Credit Card Bill Installment Subsidy - The most notable change is the inclusion of credit card bill installment payments in the subsidy program, with a subsidy rate of 1% applicable from January 1, 2026, to December 31, 2026 [4][5]. - This initiative aims to lower the financing costs for consumers using credit cards, thereby stimulating consumption and increasing merchant revenues [4][6]. - Banks are rapidly implementing operational processes for the new credit card installment subsidy to ensure quick policy execution [5][7]. Group 3: Risk Management and Process Optimization - Banks are focusing on simplifying application processes and enhancing risk management to prevent misuse of subsidy funds while ensuring effective policy implementation [7][8]. - Digital technologies are being leveraged to facilitate online processing of subsidy applications, allowing borrowers to manage their applications through mobile and online banking platforms [7]. - Strict measures are in place to prevent fraudulent activities related to subsidy applications, with banks retaining the right to recover funds in cases of non-compliance [8].