在政策落地过程中，该行组织全省453个征信查询网点及所有接入机构，建立"负责人牵头、多部门联 动"机制，按"三类管理"原则开展精准服务：对符合条件且已结清的信用记录，系统自动修复；对符合 条件但尚未结清的，提供"一对一"辅导，协助完成还款与修复；对不符合条件的，耐心做好解释工作。 此举确保了政策红利精准直达目标群体。 面对政策实施初期个人查询需求激增的情况，该行统筹线上线下（300959）渠道，指导接入机构通过网 点、手机银行、客服热线等多途径提供查询服务，并编制统一应答手册，确保服务响应及时、准确。同 时，依托"苏信帮"微信小程序公示操作指南和服务网点，优化现场服务流程，保障查询秩序平稳。数据 显示，政策实施后全省个人信用报告日均查询量达2万笔，较上月增长18%。 以信用修复为契机，该行联合省委金融办，推动金融机构优化信贷流程，加强对信用修复主体的融资对 接。其中，徐州某农资商户此前因多次小额逾期导致贷款受阻，在政策实施后相关记录被自动清除，随 后很快获得20万元贷款，缓解了其经营资金压力。 本报讯 记者王峰 通讯员李敏报道 日前，中国人民银行江苏省分行积极推动一次性信用修复政策在省内 落地见效。该政策旨在 ...

Core Insights - The article discusses the challenges and opportunities in financing small and medium-sized technology enterprises, emphasizing the need for a collaborative approach between banks and companies to share risks and rewards [1] Group 1: Company Overview - Yuqin Technology, a small semiconductor materials manufacturer established three years ago, specializes in semiconductor crystal growth technology and has over 30 patents [2] - The company is targeting significant growth by 2025, requiring substantial funding for product development, market promotion, and team building [2] Group 2: Financial Support Initiatives - The "Common Growth Plan" was launched in Anhui to facilitate collaboration between banks and technology companies, allowing for customized financial services to alleviate financing difficulties [3] - By the end of December 2025, 2,671 companies had signed agreements under the "Common Growth Plan," with loans totaling 27.53 billion yuan, leading the province [3] - The 2.0 version of the plan, which includes equity swap agreements, aims to strengthen the partnership between banks and companies, enhancing the willingness of financial institutions to support technology firms [3] Group 3: Innovative Financing Models - Anhui Jumei Biotechnology, a specialized enterprise, signed a strategic cooperation agreement with Huishang Bank, which included an additional 10 million yuan credit line and a "low-to-high" interest rate pricing model to reduce initial financial burdens [4] - The "low-to-high" model allows for lower interest rates during the early stages of growth, with adjustments made as the company progresses, aligning with the goal of shared benefits [4] Group 4: Expansion and Growth Metrics - The People's Bank of China in Anhui initiated a plan to expand the "Common Growth Plan," with over 18% of the total agreements in the province coming from Wuhu, supporting the completion of the initiative [5] - By the end of November 2025, Wuhu had added 27.06 billion yuan in technology loans, accounting for 37.7% of the total new loans [5]

在夯实自身服务能力的基础上，中国银行广东省分行进一步拓宽资源边界，以生态协同放大科技金融服 务效能。 以"中银科创生态伙伴计划"为纽带，该行联动政府部门、科研机构、产业主体、投资机构等多方共建金 融服务体系，实现科技金融服务从"单点突破"到"线面协同"的跨越。2025年6月，中国银行广东省分行 与广东省生产力促进中心签署合作备忘录，并在中国人民银行广东省分行的见证下，与多家重点科技型 企业签署"益企共赢"计划，实现企业发展生命周期服务全覆盖。该行还推出三大协同举措释放叠加效 应，一是对接省级科技信贷风险补偿资金池，为早期科创企业贷款业务"兜底减压"；二是联合高校院所 打造"孵化—成长—成熟"接力式服务链，依托创新创业大赛筛选优质项目提供首贷支持；三是为东莞、 珠海等科创高地推出"一市一策"方案，前瞻性布局量子科技等未来产业，并为科创人才定制涵盖投融资 服务的"一站式"服务包。 从生产车间的智能流水线到实验室的前沿研发，从新兴产业的加速崛起到未来产业的前瞻布局，广东大 地上，金融助力新质生产力发展的热潮正持续涌动。在中国人民银行广东省分行的指导下，中国银行广 东省分行以高质量党建领航业务创新，组织干部职工深耕科 ...

Core Viewpoint - Jilin Province is focusing on building a modern industrial system through technological innovation and industrial integration, with CITIC Bank's Changchun branch actively supporting this initiative by providing comprehensive financial services to tech innovation enterprises [1][8] Group 1: Organizational Structure and Strategy - CITIC Bank emphasizes a systematic approach to enhance its technology finance service capabilities, establishing a Technology Finance Center in 2022 and releasing a development plan in 2023 to support business growth [2] - The Changchun branch has formed a leadership group for technology finance, implementing specialized assessment and approval mechanisms to accelerate technology finance development [3] Group 2: Financial Support and Services - The branch has developed a comprehensive financial service model for tech enterprises, offering support from early-stage financing to commercialization, including expert assistance and collaboration with angel investment institutions [4] - Specific financial products like "Technology Achievement Transformation Loan" and "Science and Technology Innovation Loan" have been utilized to support various enterprises, with notable funding amounts such as 0.21 billion for a project and 4.88 billion for specialized enterprises [4][5] Group 3: Collaboration and Ecosystem Development - Since 2023, the branch has signed strategic cooperation agreements with various government departments to enhance services for specialized and innovative enterprises, facilitating policy consultation and capital operation support [7] - The bank has organized multiple industry seminars and product launch events to deepen the integration of capital and technological innovation, resulting in over 500 new tech enterprise services [7] Group 4: Future Outlook - The Changchun branch aims to continue supporting Jilin Province's high-quality development strategy, focusing on sustainable technology finance development to contribute to the construction of a strong financial nation [8]

Group 1 - The article highlights the significance of traditional food items like cured duck, which are integral to the cultural identity of the people from Fujian Mingxi, especially during the Lunar New Year [1] - The founder of a cured duck business, Ma Jinquan, faced financial difficulties during the peak season for orders but received a timely loan of 200,000 yuan from Agricultural Bank's Fujian Mingxi branch, enabling him to fulfill overseas orders [1] - The cured duck has become a symbol of nostalgia for overseas Chinese, representing a connection to their hometown and family [1] Group 2 - Wu Ruiqing, the president of a flower cooperative in Qingliu County, represents resilience and leadership among local disabled individuals, having transformed her cooperative's operations with the help of a 100,000 yuan loan from Agricultural Bank [2][3] - The loan allowed Wu to implement a comprehensive business model that includes planting, processing, and sales, while also creating job opportunities for disabled individuals [3] - The article also mentions the cultivation of mountain vegetables, which contribute to local economic development, showcasing the diverse agricultural initiatives supported by financial institutions [3][4] Group 3 - Sun Jiaqing, a Taiwanese entrepreneur, faced financing challenges but received a loan of 300,000 yuan from Agricultural Bank's Fujian Sanming Ninghua branch, which facilitated the expansion of his mountain vegetable planting base from 40 acres to over 100 acres [4][5] - The increased planting area has led to a direct increase in production value, surpassing 1.6 million yuan, and the introduction of Taiwanese aquaculture projects [5] - Agricultural Bank's financial support is portrayed as a vital resource for local farmers, enhancing their livelihoods and contributing to the overall economic prosperity of the region [5]

Core Viewpoint - The Shanghai Municipal Government has launched an action plan to enhance the linkage between futures and spot markets for non-ferrous metals, aiming to improve the global pricing influence and commodity trading capacity of Shanghai by December 2025 [1][3]. Group 1: Current Market Landscape - Shanghai has developed a linked market structure for non-ferrous metals, including futures, spot, and over-the-counter derivatives, leveraging its financial market advantages and manufacturing base in the Yangtze River Delta [2]. - The Shanghai Futures Exchange (SHFE) has listed 11 non-ferrous metal futures and 10 options, with "Shanghai Copper" recognized as one of the three major global pricing centers for non-ferrous metals [2]. - The Shanghai Clearing House has been providing central counterparty clearing services for 20 swap and forward products across six industries since 2013, enhancing the risk management framework for non-ferrous metals [2]. Group 2: Challenges and Action Plan - The non-ferrous metals trade in Shanghai faces challenges such as insufficient linkage between futures, spot, and derivatives markets, limited international pricing power, and a lack of major international commodity traders [3]. - The action plan includes 18 specific measures across three main areas: enhancing market connectivity, increasing internationalization of the non-ferrous metals market, and fostering a supportive ecosystem for market participants [3]. - Proposed measures include improving settlement efficiency through the Commodity Clearing Link, exploring cross-border transactions, and establishing a market maker system for over-the-counter derivatives [3]. Group 3: Future Steps - The Shanghai Municipal Government and relevant departments will expedite the implementation of the action plan to strengthen market linkages and support the high-quality development of the non-ferrous metals industry [4]. - The goal is to create a collaborative policy environment that enhances Shanghai's resource allocation capabilities and global pricing influence in the non-ferrous metals sector [4].

据了解，王大姐种草莓已有10多年，见证了丹东草莓从"春末限定"到"四季可期"的转变。"以前露天种 植，只能等6、7月份结果，想赶上年货季根本不可能。"后来温室大棚种植兴起，可是，建棚、买苗、 温控设备样样要花钱，前期投入大，种植户要等果实成熟并销售后才能回款，资金周转一直是难题。 如果说丹东草莓的甜蜜背后是本土产业的升级，那么智利车厘子的脆甜则离不开全球供应链的高效运转 以及金融服务的保驾护航。 早在2022年，广发银行大连分行的工作人员便带着"乡村E贷"草莓专项融资方案走进东港草莓种植核心 区。"不用抵押，凭信用就能申贷，最高能贷30万元，贷款期限还能匹配种植周期，太适合我们农户 了。"王大姐当场就提交了申请，没想到足不出户，通过线上流程很快就拿到了15万元贷款。 有了资金支持，王大姐更新了大棚的温控和光照设备，还引进了"红颜99"优质品种。按照精细的"生长 日历"，8月份移栽幼苗，12月份就能迎来第一茬丰收。"现在一年能收三茬果，元旦、春节、3月份各一 拨，销路根本不用发愁。" 截至目前，广发银行的"乡村E贷"草莓专项贷款已累计投放超1000万元，惠及百余户种植户，带动新增 草莓种植面积数千亩，让丹东草莓 ...

目前，我国经济处于高质量发展阶段，实体经济需求正在发生深刻变化，传统基建、房地产相关行业式 微，高新技术等新兴产业加速发展壮大。作为服务实体经济的主力军，银行业需要从传统的"应对信息 不对称"转向"应对高度不确定性"，适应科创时代的新范式，从部门银行向流程银行转型，加强"投行- 资管-财富"协同能力，更好地支持实体经济高质量发展。 一、需求变迁：银行服务实体经济的历史回顾 20世纪下半叶以来，全球经历了一轮长期的经济增长，期间产生了从美国到亚洲"四小龙"再到我国的区 域间产业梯度转移现象。目前这一过程还在继续，随着我国积极推进产业升级，将科技创新作为主要驱 动力，目前一些传统制造业正在向东南亚等地区进行转移。 在此前的工业化时期，银行贷款投向基建、房地产、制造业等领域。我国改革开放之后成功承接了发达 国家的产业转移，尤其是2001年加入WTO之后更是成为"世界工厂"。这一阶段属于工业化阶段，是银 行发展的黄金时期，原因在于这一时期实体经济需求与银行信贷供给高度契合。一是工业化有很多发达 国家的案例可供参考，产业发展方向明确。"要想富、先修路"意味着基建投资需求旺盛，工业化也伴随 着城镇化，从而带来房地产投资需 ...

Core Viewpoint - The "Yulan Bond" market is experiencing significant growth, driven by China's financial market opening policies, strong demand for quality RMB assets, and improved issuance mechanisms [1][2]. Group 1: Market Growth and Performance - In 2025, 11 "Yulan Bonds" were issued, totaling approximately 8 billion RMB, marking a historical high with a year-on-year growth rate exceeding 40% [1]. - As of early 2026, two "Yulan Bonds" have already been issued, with a total scale of 3.3 billion RMB [1]. - The cumulative issuance of "Yulan Bonds" has surpassed 25 billion RMB, covering both financial and non-financial institutions [2]. Group 2: Strategic Importance and Features - "Yulan Bonds," named after Shanghai's city flower, are a cross-border bond issuance model that supports multiple currencies, including RMB, USD, and EUR [2]. - The bonds enhance cooperation between domestic and international financial infrastructures, providing a new financing option for domestic entities [2]. - The issuance process benefits from the cross-border connectivity between the Shanghai Clearing House and European Clearing Banks, improving efficiency and offering a comprehensive suite of services [2]. Group 3: Future Outlook and Innovations - The first "Yulan Bond" from a free trade zone issuer was launched in January 2026, raising 3 billion RMB with a coupon rate of 1.95%, attracting significant interest from various investors [4]. - The market is expected to continue its steady growth in 2026, with potential for product innovation and diversification of participants, including international institutions and large tech companies [5]. - Future developments may include the introduction of market-making systems to enhance liquidity and the exploration of green bonds and sustainable-linked bonds to meet diverse investment needs [5].

Core Viewpoint - Recent regulatory actions against several securities investment advisory firms in China highlight increased scrutiny and enforcement by the China Securities Regulatory Commission (CSRC) to protect investors and maintain market integrity [1][2][4]. Group 1: Regulatory Actions - Multiple securities investment advisory firms, including Shenzhen Luojia Investment Consulting Co., Ltd., Beijing Tianxiang Wealth Management Co., Ltd., and Huiyan Zhito Technology Co., Ltd., have received penalties for misleading advertising [1]. - As of the end of 2025, there are 76 registered securities investment consulting firms in China, with 17 facing regulatory measures such as suspension of new client acquisition [1]. - The CSRC's intensified regulatory stance reflects a "zero tolerance" approach towards illegal activities, aiming to safeguard investor rights and ensure fair competition among compliant firms [1]. Group 2: Specific Firm Penalties - Shenzhen Luojia Investment Consulting was ordered to suspend new client acquisition for 6 months due to five identified issues, including misleading marketing and inadequate internal controls [2][3]. - Beijing Tianxiang Wealth was penalized with a 3-month suspension for similar issues, including false advertising and failure to rectify previous regulatory concerns [4][5]. - Huiyan Zhito received the first regulatory fine of the year from Shanxi Securities Regulatory Bureau for misleading promotions and inadequate compliance management, resulting in a 3-month suspension of new client acquisition [6][7]. Group 3: Compliance and Industry Trends - Firms are required to enhance compliance management and rectify identified issues during their suspension periods, with regular reporting to regulatory authorities [5][6]. - The rise of new media platforms for investment advisory services has led to increased regulatory focus on compliance, as some firms engage in risky promotional practices [7].