Core Viewpoint - The China Development Bank (CDB) is committed to supporting the construction of the "Eight Vertical and Eight Horizontal" high-speed rail network by leveraging its long-term financing advantages and collaborating closely with the China National Railway Group and its subsidiaries [1] Group 1: Project Support and Financing - By the end of 2025, the CDB aims to support high-speed rail projects with an operational mileage exceeding 42,500 kilometers, accounting for over 85% of the total operational mileage of the "Eight Vertical and Eight Horizontal" high-speed rail network [1] - The bank will utilize medium- and long-term loans and new policy-based financial instruments to support the construction of major railway projects, including the Shanghai-Chongqing and Chongqing-Kunming high-speed rail lines [1] Group 2: Strategic Focus and Future Plans - The CDB plans to enhance its role as a key bank for infrastructure construction, focusing on major railway engineering projects and improving the capacity of conventional railway trunk lines [1] - Future efforts will include supporting multi-modal transport and digital upgrades, as well as promoting the international expansion of high-speed rail [1]

Core Insights - The People's Bank of China Beijing Branch is enhancing financial services and product adaptability to support technology-driven enterprises and various consumer sectors [2][3] Group 1: Financial Service Innovations - In 2025, the People's Bank of China Beijing Branch guided financial institutions to innovate products like "Equity Rights Loan," "R&D Loan," and "Results Transformation Loan" to support technology enterprises [2] - By the end of 2025, Beijing enterprises issued technology innovation bonds totaling 361.2 billion yuan, ranking among the top in the country [2] - Financial institutions are encouraged to develop credit products based on quality financing and accounting data, such as "Jing Quality Loan" and "Hui Yi Loan," focusing on environmental rights [2] Group 2: Consumer Support Initiatives - The bank is increasing financial support for key sectors like consumer goods, cultural tourism, and small and micro enterprises, creating a comprehensive consumption financial service ecosystem [2] - New products like "Renovation Loan" and "Cloud Credit" have been introduced to meet diverse consumer credit needs in the capital [2] Group 3: Technology Empowerment - The Beijing Branch upgraded the Beijing Enterprise-Client Connection System to enhance the accessibility and efficiency of financial services, focusing on technology, green finance, and inclusive finance [3] - The national small and micro enterprise funding flow credit information sharing platform has facilitated nearly 100 billion yuan in loans, benefiting around 20,000 enterprises [3][4] Group 4: Data Utilization for Financing - The funding flow information platform, established in October 2024, provides banks with access to three years of account information for credit decision-making, enhancing financing pathways for small and micro enterprises [4] - As of December 2025, 31 banks in Beijing have accessed the funding flow information platform, resulting in 951 billion yuan in loans for 17,557 small and micro enterprises [4][5] Group 5: Focus on Asset-Light Technology Enterprises - The Beijing Branch is guiding financial institutions to leverage funding flow data for credit risk management and decision-making, particularly for asset-light technology SMEs [5] - Beijing Bank has implemented the funding flow credit information in various business scenarios, launching the "Credit e-Loan" product, which has issued loans totaling 11.2 billion yuan to 2,619 small enterprises [5]

近年来，数字化转型已成为银行高质量发展的核心引擎。作为科技条线的"掌舵者"，首席信息官 （CIO）不仅肩负着银行科技战略落地的重任，更在打通业务与技术壁垒等方面发挥着不可替代的作 用，其人事变动也因此成为金融市场关注的核心焦点。 《金融时报》记者梳理发现，2025年以来，已有超过20家商业银行首席信息官出现变动，范围覆盖国有 大行、股份制银行及各类中小银行，其中既有行业"老将"到龄荣退，也有新鲜力量走马上任。 多家大行"老将"到龄辞任 中小银行纷纷"海选"抢人 《金融时报》记者注意到，2025年以来，中小银行对首席信息官岗位的重视程度显著提升，纷纷选聘数 字化转型的"掌舵人"，补齐人才短板。 2025年，多家国有大行科技条线核心负责人迎来人事调整，其中，工商银行（601398）、中国银行 （601988）、建设银行（601939）三家国有大行的科技"老将"均因到龄原因正式离任。 具体来看，变动节奏呈现有序推进态势：2025年4月，建设银行率先发布公告，宣布金磐石因年龄原因 辞任首席信息官一职，结束其在该行科技条线的任职历程；同年6月，中国银行原首席信息官孟茜也因 年龄原因辞任；12月末，工商银行原首席技术官吕 ...

为助力冰雪"冷资源"释放"热效应"，中国人民银行黑龙江省分行立足辖内冰雪资源禀赋，深化政策赋 能、强化信贷供给，统筹开展2025—2026年金融助力冰雪旅游"百日行动"，推出专业化服务、定制化支 持等9项具体措施，积极推动金融资源向冰雪经济关键领域倾斜。截至2025年11月末，黑龙江省金融支 持冰雪相关产业贷款余额673亿元，同比增长14%。图为夜幕下的第二十七届哈尔滨冰雪大世界。 ...

1月27日，美国正式退出《巴黎协定》。这已经是美国总统特朗普第二次宣布退出《巴黎协定》。 2025年1月20日，特朗普在就任美国总统后随即签署行政令，宣布美国将退出《巴黎协定》。随后，联 合国宣布美国退出《巴黎协定》将在2026年1月27日正式生效。 美国政府在《巴黎协定》问题上的反复无常，引发了国际社会的广泛批评，同时也在美国国内引发不 满。美国加州州长纽森曾在去年呼吁美国重新加入《巴黎协定》。与此同时，美国多州也各自采取行 动，推动清洁能源的发展，为清洁能源项目的发展提供政策环境。 事实上，特朗普在第一个总统任期中，就曾宣布退出《巴黎协定》。2017年特朗普宣布美国退出该协 定，并于2020年11月正式退出。2021年，时任美国总统的拜登宣布美国重新加入《巴黎协定》。然而， 在特朗普重回美国总统之位后，美国再一次决定退出。 2015年《巴黎协定》正式达成。在《联合国气候变化框架公约》第二十九次缔约方大会(COP29)上，各 方就《巴黎协定》第六条第四款机制(6.4条)下的碳信用标准及其动态更新机制达成共识，全球碳市场迎 来新的突破。 在2025年举行的《联合国气候变化框架公约》第三十次缔约方大会(COP3 ...

Core Viewpoint - The exchange of the 2026 Year of the Horse commemorative coins and banknotes has garnered significant market attention, with various regions extending the exchange period due to incomplete transactions [1][2]. Group 1: Exchange Period and Regulations - The People's Bank of China announced that the centralized exchange period for the 2026 commemorative coins and banknotes is from January 20 to January 26, 2026 [1]. - Several banks, including Industrial and Commercial Bank of China, China Construction Bank, and Bank of Communications, have announced extensions for the exchange period, with specific arrangements for customers who successfully made reservations [1][2]. - The extension for exchanges varies by region, with some banks in Inner Mongolia and Hainan extending the deadline to February 2, while banks in Beijing and Shenzhen have set different deadlines [2]. Group 2: Exchange Progress Data - As of January 26, 2026, the exchange completion rates for the 2026 commemorative coins and banknotes vary by region: Beijing has a completion rate of 95.34% for coins and 98.02% for banknotes [3]. - In Shenzhen, the exchange rates are 62.46% for coins and 80.10% for banknotes, while in Hainan, the rates are 70.22% for coins and 85.28% for banknotes [3].

"以前为融资奔波，常因缺乏硬资产而受阻。中行的'研产贯通贷'，真正看到了我们技术的价值！"一家 生物医药企业负责人的感慨，道出了众多科创企业的心声。面对这一共性难题，中行江北新区分行主动 突破传统信贷思维，创新推出以"技术专利价值+园区信用背书+未来订单潜力"为核心的多维评估体 系，打破了对有形抵押物的依赖，让企业的"智力成果"转化为实实在在的信用资产。 为提升服务精准度，中行江北新区分行组建专业科创服务团队，常态化深入园区，将金融服务送至研发 一线。目前，"研产贯通贷"已在南京生物医药谷形成示范效应，累计为多家高潜力企业提供普惠贷款超 3000万元，有效缓解了研发阶段的资金焦虑。对于进入成长期、有国际化需求的企业，该行充分依托中 国银行全球化网络，提供"一点接入、全球响应"的综合跨境服务，从引入低成本海外资金，到定制跨境 结算融资方案，乃至护航企业赴港上市，均提供"商投行一体化"的全链条支持，助力江北科创力量连接 全球市场。 践行绿色金融 支持产业转型与消费升级 "山水城林"相融是江北新区的生态底色。中行江北新区分行构建起"支持产业绿色转型"与"推动绿色消 费普及"双轮驱动的服务体系，让绿色金融既赋能实体经 ...

为扎实做好普惠金融大文章，充分发挥金融支持县域经济发展、服务乡村全面振兴的积极作用，中国人 民银行广东省分行探索出了一条以巡察监督推动金融服务质效提升的新路径。2025年，中国人民银行广 东省分行党委在对中国人民银行惠州市分行开展常规巡察的同时，对其所辖的惠东营业管理部开展了提 级巡察，精准发现了基层履职的堵点、难点，通过快速有效的督促推动与协同发力，将巡察成果转化为 金融支持县域实体经济发展的强劲动能。 深走访快督办 精准把脉县域经济发展痛点 中国人民银行广东省分行党委适应新形势发展需要，将机构改革后的县域金融管理与服务纳入巡察监督 重点，深度下沉开展提级巡察。巡察组不仅对中国人民银行惠州市分行党委的履职情况以"巡审融合"的 方式开展了常规巡察，更将监督探头直达县域派出机构。"我们要求巡察组必须走出机关，加大走访和 调研的力度，深入一线了解基层实际，掌握最鲜活的一手资料。"中国人民银行广东省分行巡察办相关 负责人介绍。 巡察组结合惠东县实际，采取灵活多样的方式对县域金融工作有关情况开展走访调研：向惠东县政府及 相关部门、金融机构发出调查问卷34份；与县委、县政府领导及相关部门负责人深入座谈，听取其对中 国人 ...

中国人民银行盘锦市分行工作人员走进辖内技术学校、田家学校等开展主题活动，宣传人员通过现场讲 解、播放视频、派发宣传资料等方式，提示全校师生远离非法金融活动；结合部分村屯远离主城区的现 实，深入大堡子、得胜、兴海等20余个村屯，采用大喇叭广播、流动银行车巡播等形式，有针对性地将 个人信息保护、国债乡村普惠等金融知识送到村民身边；实地走访大禹防水、兴牧农业等重点企业，聚 焦生产经营中常见的虚假订单诈骗、伪造转账凭证等风险，通过真实案例拆解诈骗话术与资金流转陷 阱，为企业注入"安全动能"；走进康桥、龙翔、兴旺等十余个社区，聚焦针对老人的金融陷阱、理财骗 局，策划多场内容实用、丰富多彩的金融宣传活动；走进井下、田家大集以及东风市场、步行街等群众 聚集区，向周边商户普及个人征信异议处理、反假货币、整治拒收现金等常用金融知识，全面提升百姓 金融素养。 拓"面"联动 构建部门协同"生态圈" 中国人民银行盘锦市分行主动打破部门壁垒，积极创新宣传方式，不断扩大宣传"朋友圈"，真正把金融 温度传递到群众身边。 该行联合政府部门召开30余场政策宣讲会，结合利率、外汇、房地产等政策措施，进一步强化市场沟 通；根据市场主体融资需求，上 ...

Core Viewpoint - Hunan Province is actively promoting technological innovation and aims to become a strong technology province, with the transformation of scientific and technological achievements as a core engine for development [1] Group 1: Financial Support Initiatives - The "Xiangban Qianxing" plan, launched by the People's Bank of China Hunan Branch and other departments, aims to establish a long-term strategic cooperation relationship among government, finance, and enterprises, providing diversified financial services for technology companies [1][2] - By the end of November 2025, loans to technology enterprises in Hunan Province increased by 12.8%, outpacing the overall loan growth rate by 7.1% [1] - More than 10 financial institutions signed medium to long-term cooperation agreements with 127 enterprises, with a total credit amount of 3.75 billion yuan and loans issued amounting to 1.66 billion yuan [2] Group 2: Innovative Financing Models - The "Xiangban Qianxing" plan promotes innovative financing models such as "investment-loan linkage," providing "accompanying" financial services for early-stage and growth-stage technology companies [3] - The establishment of the Jin Furong Investment Fund aims to create a comprehensive fund matrix to increase investment in technology innovation [4] - The plan includes a combination of policy supports to encourage financial institutions to lend to technology companies, including a special re-loan quota of no less than 10 billion yuan [5] Group 3: Risk Mitigation and Insurance - The integration of technology loans with technology insurance is being promoted to support companies during the trial production phase, providing risk guarantees and credit support [6] - The Hunan Province Technology Financing Guarantee Company has provided special guarantee loans totaling 2 billion yuan to over 340 technology companies [6] Group 4: Innovation Evaluation and Credit Products - The promotion of an "innovation points system" allows banks to use innovation scores as a reference for credit, integrating various data sources to create tailored credit products [7] - By the end of November 2025, over 2,500 technology companies received more than 15 billion yuan in loans through specialized credit products [7] - The establishment of a dedicated evaluation system for technology companies has led to an increase in internal ratings for over 400 companies based on market prospects and R&D capabilities [7]