"这个平台实现了全流程线上化操作，再也不用准备厚厚的纸质材料了，从创新积分评估到贷款审批实 现全自动化，'分钟级'预授信，2个工作日内资金到账，贷款效率大大提高！"内蒙古昊禹环保科技有限 公司财务经理汤之瑞高兴地说。 2025年，中国人民银行包头市分行以科技金融信息化平台为重要抓手，发挥多方合力，打破银企信息壁 垒，精准识别优质科技型企业，推动科技、产业、金融良性循环，全面提升科技型企业金融服务质效。 平台运行以来，已累计入驻科技型企业856家，714家完成积分测评并获得精准画像。包头市金融机构主 动优化产品矩阵，为科技型企业推出"科创贷""积分贷"等多种科技金融特色产品。截至去年11月末，包 头市科技贷款余额1224.61亿元，同比增长6.35%。其中，工行包头分行将"积分贷"整体额度由3000万元 增加至3亿元，交行包头分行推出"积分+批量担保贷"组合产品，推动创新力与融资力双向转化。 汤之瑞口中的平台是由中国人民银行包头市分行联合市科技局等部门共同搭建的包头市科技金融信息化 平台。该平台立足本土，锚定科技型企业融资堵点、难点，通过政银企信息联动为科技型企业精准画 像，让企业创新"软实力"变成融资"硬通货 ...

Core Insights - The article highlights the successful issuance of green technology innovation bonds by Anyang Iron and Steel Group, raising 200 million yuan for environmental projects, particularly focusing on the transformation of coking plant emissions [1] - The People's Bank of China in Anyang has played a crucial role in facilitating financing for traditional industries transitioning towards greener and smarter operations, with a total of 39.9 billion yuan raised in 2025 through various bond instruments [2] - Innovative financing models, such as asset-backed securities, have been explored to address the financing challenges faced by public utilities, exemplified by the issuance of a 1 billion yuan asset-backed note by Linzhou Urban-Rural Heating Co., which set a historical low interest rate in Henan province [3] - A long-term financing service mechanism has been established by the People's Bank of China in Anyang to ensure continuous support for the bond market, including a whitelist for key enterprises and regular policy outreach activities [4] Group 1 - Anyang Iron and Steel Group successfully issued 200 million yuan in green bonds for 11 environmental projects, including coking plant emissions treatment [1] - The People's Bank of China in Anyang has facilitated the raising of 39.9 billion yuan in 2025, with 14.2 billion yuan from technology bonds and 23.7 billion yuan from technology notes [2] - The financing support has enabled the steel industry to advance towards greener and smarter operations, enhancing the resilience of the industrial chain [2] Group 2 - Linzhou Urban-Rural Heating Co. issued the first asset-backed note in the heating industry in Henan province, amounting to 1 billion yuan, with a record low interest rate of 3.13% [3] - The asset-backed securities model has provided a solution for public utilities facing long financing cycles and heavy assets [3] - The People's Bank of China in Anyang has implemented a dynamic management system for bond issuance, ensuring the stability of the local bond market [4]

Core Viewpoint - The article highlights the innovative measures taken by the People's Bank of China in Aba Prefecture to enhance county-level treasury services, making financial services more accessible to local farmers and herders in remote areas, thereby improving their financial literacy and participation in national financial policies [1][2][3]. Group 1: Mechanism Innovation - The People's Bank of China in Aba Prefecture has introduced the "County Treasury Service Guidelines" to standardize service items, processing procedures, and assessment criteria, creating a comprehensive regulatory framework [2]. - A collaborative network involving local government and financial institutions has been established to facilitate communication and problem-solving, ensuring that treasury services are effectively integrated into local financial work [2]. Group 2: Risk Management - The bank has implemented a robust risk management framework, including the development of inspection guidelines and risk assessment checklists to ensure the safety of funds in county-level treasury services [3]. - A three-pronged regulatory approach has been adopted, combining on-site inspections, commissioned inspections, and cross-county inspections to maintain oversight and prevent risks [3][4]. Group 3: Service Enhancement - The establishment of 12 quality service points for treasury services has been achieved, equipped with bilingual staff and self-service terminals to provide comprehensive support to local farmers [5]. - The "Horseback Promotion Team" has been instrumental in delivering financial education and services directly to remote areas, significantly increasing awareness and understanding of treasury services among the local population [5][6]. Group 4: Impact and Results - Since 2025, the sales of treasury bonds in the region have increased by 60.8% year-on-year, with no reported incidents of financial security risks, indicating the effectiveness of the implemented measures [4]. - By the end of 2025, treasury bond sales reached 28.36 million yuan, accounting for 63.2% of total sales in the region, reflecting a significant increase in financial engagement among local farmers [6].

通知明确，要加强政府采购需求管理。采购人应当根据实际工作需要，综合考虑同类项目中标（成交） 信息，以及市场供给和产业发展状况，材料、人工等市场价格，行业费用标准等市场调查情况，形成科 学、完整、清晰的采购需求，合理设定最高限价，为供应商竞争报价提供基础。采购人要综合考虑技 术、成本效益、促进竞争等因素，按照专业类型和专业领域，合理设置采购包。采购人应当重点加强对 信息化建设项目和耗材使用量大的复印、打印、实验、医疗等仪器设备采购项目的管理。 为整治政府采购领域"内卷式"竞争，形成优质优价、良性竞争的市场秩序，日前，财政部印发《关于推 动解决政府采购异常低价问题的通知》（以下简称"通知"），自2026年2月1日起施行。 通知强调，各部门、各地区要充分认识解决政府采购异常低价问题的重要意义，加强组织领导，周密安 排部署，强化监督指导，结合工作实际，进一步细化工作举措，确保各项要求落实到位。 通知强调，要强化政府采购异常低价审查。各级财政部门应当加强对评审专家的指导和监管，进一步压 实评审专家的责任。财政部门在投诉处理、监督检查中发现评审委员会未按规定对异常低价开展审查 的，依法予以纠正并追究评审专家的法律责任。 ...

Group 1 - The "2026 Beijing International Commercial Aerospace Exhibition" was held from January 23 to 25, focusing on the theme "Gathering Global Resources to Promote Commercial Aerospace" [1] - The exhibition showcased over 300 commercial aerospace companies and related institutions from both domestic and international markets, creating a high-end platform for global industry exchange and cooperation [1] - Notable products included the world's first continuously launched liquid oxygen-methane rocket, the Zhuque-2 improved model, and the Zhuque-3 model, which successfully completed China's first large reusable rocket launch [1] Group 2 - In the space application and exploration sector, Galaxy Aerospace presented China's first flexible solar wing flat satellite, the Lingxi-03, and a satellite model capable of direct communication between space and ground [2] - A dedicated "Aerospace Investment and Financial Services" area was established, showcasing the deep integration of financial capital with the aerospace industry, featuring customized financial service solutions from major banks [2] - Preliminary statistics indicated significant procurement and cooperation intentions were reached during the exhibition, reflecting global market recognition of China's commercial aerospace supply chain capabilities and cooperation potential [2]

农行河北廊坊分行聚焦服务实体经济发展主线，立足辖内产业布局特点，精准对接区域内产业金融需 求，全力破解企业融资难题，助力企业稳健发展。图为河北丰宝广源汽车科技有限公司工人正在生产作 业。 ...

住房品质关乎千家万户的幸福感。党的二十届四中全会提出，要坚持城市内涵式发展，大力实施城市更 新，建设创新、宜居、美丽、韧性、文明、智慧的现代化人民城市。中央经济工作会议提出，"高质量 推进城市更新""着力稳定房地产市场"。 "在增强详细规划适应性方面，既依法给规划许可，又灵活适应市场，及时为实施城市更新行动提供规 划依据。"自然资源部国土空间规划局局长谢海霞介绍，北京、上海、厦门等地探索了产业混合用地等 工作路径，制定了相应的指导意见。重庆、南京等地制定了规划许可豁免清单。 北京清华同衡规划设计研究院首席总规划师袁昕表示，《通知》提出可以制定简化详细规划的修改程 序，制定土地混合开发和空间复合利用的正面清单和管控要求，也可以制定符合微更新项目的规划许可 的豁免清单，这将极大地促进更新项目在规划编制以及后续审批过程中的流程加速，真正支持更新项目 的推进。 近日，自然资源部、住房和城乡建设部联合发布《关于进一步支持城市更新行动若干措施的通知》（以 下简称《通知》），从增强详细规划适应性、优化过渡期支持政策、推进存量土地和空间的临时利用等 六个方面提出具体措施，旨在推动形成规划编制科学、政策工具精准、实施路径多元、 ...

Core Insights - The banking sector is undergoing a significant structural transformation in physical branch networks due to the rise of fintech and increasing industry competition [1][2][3] Group 1: Branch Network Reduction - In 2025, over 11,000 bank branches were approved for closure, with nearly 8,000 being commercial bank branches, marking a substantial increase from 2,483 closures in 2024 [2][3] - The closure of inefficient branches is driven by the deep penetration of digital transformation and the need for banks to adapt their operational strategies [2][3] - The exit of branches includes 2,211 rural credit cooperative branches, with significant reductions in village banks and rural cooperative banks, indicating a trend towards optimizing branch networks [3] Group 2: New Branch Openings - In 2025, 8,548 new bank branches were established, surpassing the number of branches that closed, indicating a shift towards quality over quantity in branch networks [4] - The focus has shifted from expansion to structural optimization, with state-owned banks emphasizing the enhancement of branch coverage in rural areas to align with rural revitalization and inclusive finance strategies [4][5] Group 3: Value Creation and Service Enhancement - The transformation of bank branches aims to redefine their roles, moving from mere transaction processing to value creation through enhanced services [6][7] - Banks are increasingly focusing on creating specialized branches that cater to specific sectors such as technology finance, green finance, and elder finance, thereby improving service capabilities [6] - Initiatives like the establishment of green low-carbon branches by banks highlight the industry's commitment to sustainability and innovation in service delivery [6]

创新发展成果突出，激发协同发展新动能。京津冀创新投入与产出快速增长，2024年，区域全社会研究 与试验发展(R&D)经费投入强度4.22%，专利授权量35.5万件，比上年增长2.9%。协同发展持续加强， 京津冀三地着力培育壮大新兴产业，加快推动跨区域产业协作，不断缩小城乡发展差距，2024年，京津 冀三地高技术制造业增加值比上年分别增长9.6%、8.9%和11.2%。产业协作持续深化，城市群空间联系 强度比上年增长8.9%。绿色发展稳步推进，生态环境不断改善，京津冀三地PM2.5平均浓度与2023年相 比大幅下降，治理区地下水持续回升。开放发展继续恢复，2024年，京津冀高技术制造领域出口快速增 长，汽车、手机、风力发电机组出口分别增长56.4%、24.7%和58.3%，区域国际货物吞吐量8.2亿吨，比 上年增长10.6%。共享发展成效显著，民生福祉持续增进。截至2024年底，京津冀铁路运营里程和高速 公路运营里程均超过1.1万公里。京津冀三地居民人均可支配收入分别为85415元、53581元、34665元， 分别比上年名义增长4.5%、4.5%和5.4%。 区域协同发展是中国式现代化的内在要求。近日，国家统 ...

随着2025年基金四季报披露收官，公募基金行业年度业绩正式揭晓。Wind数据显示，截至2025年四季度末， 公募基金市场总规模接近37万亿元，创历史新高。其中，ETF规模突破6万亿元，成为公募基金增长新引擎。与此 同时，2025年全年，公募基金为投资者带来的利润突破2.6万亿元，刷新了历史纪录，反映出投资者对公募产品配 置价值的认可以及公募基金在居民财富积累中的核心功能持续强化。 2025年四季度，公募基金（统计全部份额）单季整体亏损1122亿元，但由于2025年前三季度盈利积累，2025 年全年仍实现盈利2.6万亿元，刷新了历史纪录。回顾1998年至2025年的发展轨迹，公募基金行业已累计为基金持 有人创造超过7.9万亿元的投资利润，公募基金在居民财富积累与资产配置中的核心功能正在持续强化。 其中，在2025年四季度利润排名前10的基金产品中，有色金属ETF占据了7个席位。其中，华安基金的黄金 ETF以82.18亿元的利润排名第一；其后是黄金ETF博时，利润36.37亿元；华夏基金的上证50ETF以盈利33.88亿元 公募基金规模达36.76万亿元 近年来，公募基金市场规模保持稳步增长。Wind数据显示，2 ...