"以前来银行办事，怕机器不会用、怕流程太复杂，现在来到'长春花'网点，全程有人帮助指导，心里 踏实多了。"家住华佗镇的赵大爷在办完养老金转账后，对网点的适老服务连连称赞。"长春花"作为中 国人民银行安徽省分行适老金融服务的创新品牌，如今已成为全省老年群体心中有温度、可信赖的金融 服务符号。中国人民银行亳州市分行在安徽省分行指导下，以硬件标准化、服务个性化、功能多元化为 原则，推动"长春花"特色网点全域布局。在硬件配置上，所有"长春花"网点均实现"五有标准"：有无障 碍通道及防滑坡道，配备扶手栏杆、防滑提示；有老年专属服务区，设置爱心座椅、放大版适老服务操 作手册；有适老智能设备，支持超大字体、语音导览、延长操作时限等功能；有便民服务设施，老花 镜、放大镜、急救药箱、轮椅等物品24小时常备；有老年人专属服务窗口，保留传统存折取现服务，保 障老年人支付选择权。在服务模式上，"长春花"网点创新"1+N"专属服务机制，每个网点配备1名"适老 服务专员"，提供业务咨询、设备操作指导等全流程陪伴服务；组建N支特色服务小队，针对老年群体 需求推出养老金代发优先办、转账汇款简化办、特殊需求上门办等服务。数据显示，亳州市"长春 ...

Core Viewpoint - Xinjiang is accelerating the construction of a green livestock industry cluster, focusing on ecological priority and green development, supported by Postal Savings Bank's financial solutions to invigorate traditional livestock farming [1] Group 1: Company Development - The company, Yihama Pastoral Dairy Co., has successfully implemented an automated production line for dairy products, enhancing operational efficiency [2] - Postal Savings Bank provided a timely loan of 400,000 yuan to support the company's strategic transformation and diversification into various milk powder products [2][3] - The company has established partnerships with research institutions, resulting in 11 utility model patents and recognition as a "specialized, refined, and innovative small and medium-sized enterprise" [3] Group 2: Industry Upgrades - The company is expanding its operations by planning new standardized fresh milk collection stations and investing in a leisure ranch, aiming for a comprehensive upgrade of the entire industry chain [4] - Postal Savings Bank issued a 5 million yuan "Science and Technology Credit Loan" to facilitate the company's technological upgrades and capacity expansion [4] Group 3: Community Impact - Over the past five years, Postal Savings Bank has provided over 10 million yuan in loans to the company, significantly contributing to its growth and enabling it to process 200 tons of fresh milk daily [5] - The bank has also launched a "Farm and Pastoral Loan" product to support downstream livestock farmers, benefiting over 500 households and facilitating a financing solution for the agricultural community [5][6] - The company's annual sales revenue has doubled compared to 2020, highlighting the impact of Postal Savings Bank's support on both the company and local farmers [5]

Group 1 - The increasing reliance on cross-border RMB transactions is highlighted by a financial director from a silicon export company in Yibin, indicating that quoting prices in RMB leads to smoother transactions and production scheduling [1] - In the first ten months of 2025, Yibin's cross-border RMB payment and receipt amount grew by 167.4% year-on-year, accounting for 56.7% of the total cross-border payments, with a historical high of 5.87 billion RMB in current account and direct investment transactions [1] Group 2 - The People's Bank of China (PBOC) Yibin branch has implemented a dual-track incentive mechanism for cross-border RMB settlement, providing 338,100 RMB in subsidies to nine enterprises, and has expanded the "first-time customer" initiative, achieving a total settlement of 1.57 billion RMB [2] - The PBOC Yibin branch is actively promoting cross-border RMB usage in key industries such as power batteries and crystalline silicon photovoltaics, with the top 20 enterprises in the service list achieving 8.771 billion RMB in cross-border RMB settlements from January to October 2025, with major industries accounting for 52.6% [3] Group 3 - The PBOC Yibin branch has established a "key enterprises in Hong Kong" list to enhance cross-border RMB settlement, with 7.07 billion RMB settled with Hong Kong in the first ten months of 2025, representing nearly 80% of Yibin's total cross-border RMB settlements [4] - The local implementation of cross-border payment services has enabled zero-cost, instant remittances for residents, with 136 northbound and 1,117 southbound transactions processed [4]

Group 1 - The People's Bank of China in Guizhou Province is exploring the establishment of a personal "biodiversity account" to quantify and summarize the benefits of individual participation in biodiversity protection activities, linking personal points to loan interest rates, creating a sustainable incentive where "higher points lead to better rates" [1] - The account focuses on three core dimensions: biodiversity protection and restoration, sustainable use of biodiversity, and biodiversity management, with 15 secondary indicators including species protection and ecosystem restoration [1] - The Libo Rural Commercial Bank has implemented this indicator system and has issued the first batch of "personal biodiversity credit loans," totaling 830,000 yuan, with preferential loan rates to support the protection of genetic resources and high-quality agricultural products [1] Group 2 - Libo County is recognized for its world-class natural heritage sites and is a national pilot for comprehensive tourism demonstration areas, with the Maolan National Nature Reserve being a key biodiversity gene bank [2] - The People's Bank of China in Qiannan Prefecture is researching evaluation standards for the benefits of biodiversity protection and sustainable use projects, aiming to explore new pathways for the conversion of biodiversity resource value [2]

Core Viewpoint - The development of the seabuckthorn industry in Muling City, Heilongjiang Province, is significantly contributing to local economic growth and rural revitalization through innovative financial support and comprehensive industry chain development [1][3]. Industry Overview - Muling City's seabuckthorn is recognized for its plump fruit, vibrant orange color, and rich nutritional value, making it a sought-after product in both domestic and international health food markets [1]. - The seabuckthorn industry has evolved into a comprehensive development model, integrating seedling cultivation, deep processing, cosmetics manufacturing, and e-commerce sales, creating a new pattern from "one fruit" to "one chain" [1]. Financial Support and Innovation - The People's Bank of China, Mudanjiang Branch, has implemented a financial service system specifically for the seabuckthorn industry, focusing on policy guidance, institutional collaboration, and product innovation to meet the credit needs of this unique economic sector [1][3]. - Financial institutions have introduced various innovative credit products tailored to the seabuckthorn industry's characteristics, such as "Longyin e-Agricultural Loan" and "Planting Quick Loan," which provide quick access to funds for farmers [4]. Growth Projections - By 2025, the seabuckthorn planting area in Muling City is expected to reach 80,000 acres, with an annual production exceeding 35,000 tons, contributing to rural prosperity [1]. - Financial institutions in Mudanjiang City are projected to issue a total of 2.11 billion yuan in loans to the seabuckthorn and other specialty planting industries, reflecting a year-on-year growth of 13.7% [3].

2025年，我国国内生产总值突破140万亿元，按不变价格计算，比上年增长5.0%；全国城镇调查失业率 平均值为5.2%；货物贸易再创新高，外汇储备余额超过3.3万亿美元……1月19日，国家统计局公布了 2025年国民经济运行成绩单。 从110万亿元到140万亿元，"十四五"时期，我国经济总量实现"四连跳"。这背后，不是数字的简单叠 加，而是结构之变、动能之新、底气之足的生动诠释，更是中国经济向新向优、行稳致远的有力印证。 站在"十五五"规划开局的新起点，中国经济发展更具底气。尽管外部环境复杂多变，国内挑战依然存 在，但中国经济长期向好的基本面没有改变，高质量发展的大势没有改变。我们将持续以新质生产力培 育新优势，以深化改革破解新挑战，以扩大开放拓展新空间，中国经济必将在新的征程上，续写更多跨 越式奇迹，在中国式现代化道路上书写更为精彩的发展篇章。 没有一蹴而就的跨越，只有久久为功的积淀。中国经济5年实现"四连跳"，是传统产业转型升级的坚 守，是新兴产业加速崛起的奋进，是改革开放持续深化的红利，更是14亿人携手前行、共促发展的磅礴 合力。 高质量发展的成色，在结构优化中愈发鲜亮。告别粗放增长的旧路径，中国经济迈 ...

Core Viewpoint - The introduction of biodiversity financial standards aims to address the lack of funding and guidelines in biodiversity protection, driven by the global ecological crisis and China's commitment to ecological civilization [1][2]. Group 1: Biodiversity Financial Standards - The People's Bank of China is leading the development of biodiversity financial standards, which include 87 items across four categories: sustainable use of biological resources, ecosystem protection and restoration, nature-based solutions, and activities friendly to high-sensitivity industries [2]. - The standards aim to resolve long-standing issues of project identification and lack of unified standards in biodiversity finance [2]. Group 2: Implementation and Practices - Current practices in various regions focus on transforming natural capital into measurable, tradable, and financeable financial assets, creating a positive cycle of benefiting from ecological protection [3]. - Examples include biodiversity performance-linked loans in Fujian and Hubei, and a new policy financial tool supporting marine ranch loans in Guangdong [3]. Group 3: Restoration and Pollution Control - Regions are shifting from end-of-pipe solutions to integrated planning for biodiversity finance, promoting sustainable circular economy models [4]. - Projects like ecological restoration loans in Qinghai and sustainable grassland loans in Shanxi illustrate the application of biodiversity finance in combating desertification and promoting waste recycling [4]. Group 4: Expansion and Integration - Biodiversity finance is expanding the scope of green finance, integrating the concept of harmonious coexistence between humans and nature into high-quality development practices [5]. - Infrastructure projects, particularly highways, are benefiting from tailored biodiversity financial services that incorporate biodiversity protection throughout the project lifecycle [5]. - The transformation of biodiversity from an "invisible asset" to an "explicit value" is becoming clearer, with a consensus emerging that "protection equals development" [5].

在内蒙古莫力达瓦达斡尔族自治旗（以下简称"莫旗"）广袤的田野上，大豆种业振兴的号角已经吹响； 在村镇街巷中，非遗文化的活态传承正为发展注入灵魂；在校园与卫生院里，教育医疗的提质工程悄然 改变了当地居民的家庭生活……2025年，中央国债登记结算有限责任公司（以下简称"中央结算公司"） 围绕上述重点领域，制定四方面16项年度帮扶任务，直接投入无偿帮扶资金538万元，引进有偿帮扶资 金3128万元，精准滴灌在莫旗发展的关键处，推动一项项帮扶举措落地生根、开花结果。 融进非遗文旅的"魂"里 莫旗拥有丰富的达斡尔族非物质文化遗产。走进"莫力达瓦非遗工坊"，游客们正在非遗传承人的指导 下，体验哈尼卡、刺绣等传统技艺。 落到产业振兴的"根"上 产业兴则乡村兴，农民富则根基稳。中央结算公司的帮扶，深深扎根于莫旗最具潜力和特色的产业之 中。 立足莫旗"大豆之乡"优势，中央结算公司聚焦种业振兴核心，汇集政企研各方资源，建设自治区级种业 专家工作站，实施涵盖科技研发、技术支撑、交流培训、宣传推广等在内的大豆种业振兴"十个一"专项 行动。行动开展以来，选育出大豆新品系2个、综合技术试点单产提升10%、种子销售额同比增长超 20%。 ...

Core Viewpoint - The financial support from institutions like Postal Savings Bank has significantly boosted the development of small and micro cultural tourism enterprises in Anyang, allowing them to transition from small-scale operations to larger, more sustainable business models [1][2]. Group 1: Financial Innovation - The Anyang branch of the People's Bank of China has tailored financial products such as "Yuyou Minshu Loan" and "Yushang Hejiahao" to meet the unique needs of small and micro cultural tourism enterprises, addressing their challenges of being asset-light and having fluctuating operations [2]. - Industrial and Commercial Bank of China (ICBC) Anyang branch has developed a differentiated credit assessment model that reduces reliance on fixed assets, providing specialized loans for hotel upgrades, resulting in a 77% occupancy rate during off-peak seasons and annual revenue exceeding 12 million yuan [2]. Group 2: Key Project Leadership - The Anyang branch of the People's Bank of China has identified key projects with leading roles in the cultural tourism sector, providing tailored financing packages to enhance regional cultural tourism resources [3]. - A loan of 770 million yuan was allocated to key projects like the "Red Flag Canal Taihang Mountain" themed performance, which has achieved over 90% attendance per show, becoming a significant cultural tourism landmark [3]. Group 3: Comprehensive Financial Support - Financial institutions have collaborated with local cultural tourism departments to provide 350 million yuan in loans for the renovation of key tourist attractions, leading to over 20% growth in visitor numbers during peak seasons [4]. - The implementation of key projects has positively impacted related industries such as accommodation and dining, with retail sales in Linzhou's accommodation and dining sectors increasing by 25% year-on-year [4]. Group 4: Full Chain Empowerment - The Anyang branch of the People's Bank of China has extended financial services throughout the cultural tourism industry chain, including support for urban commercial areas and rural agricultural tourism [5]. - A loan of 20 million yuan was provided to enhance the Jingxin Shopping Plaza, which has seen significant increases in foot traffic and sales after the upgrade [5]. - The financial support has also facilitated the growth of local agricultural products, with annual sales reaching 80 million yuan for products like "Dahongpao" pepper and "Taihang Chrysanthemum" tea [5]. Group 5: Economic Impact - Anyang's cultural tourism revenue has consistently grown at an average annual rate of 13% over the past three years, demonstrating the transformative effect of financial support on the local economy [6]. - The cultural tourism sector has become a vital engine for regional economic activation and a crucial link between urban and rural development [6].

Core Insights - The rise of snack discount stores in Beijing reflects a growing trend in the retail sector, characterized by their low prices and strategic locations in communities, catering to the immediate consumption needs of residents [1][2] Group 1: Market Trends - Snack discount stores are experiencing rapid growth, with store numbers increasing by 92%, contrasting with the declining sales share of traditional supermarkets and convenience stores [1] - Emerging retail formats such as warehouse membership stores and snack collection stores are expanding significantly, with growth rates of 40% and 51% respectively [1] Group 2: Consumer Behavior - Snack discount stores serve as an "immediate stress relief valve" for consumers, providing a low-cost and instant way to alleviate daily pressures, appealing to both adults and children [2] - The stores offer a balance between "shopping for novelty" and "maintaining self-discipline," allowing consumers to indulge in small portions without guilt, thus addressing the common anxiety of immediate gratification versus long-term health [3] Group 3: Community Engagement - Snack discount stores create a "micro-social" environment, fostering community connections through casual interactions among neighbors and staff, which enhances the emotional value of shopping [4] - The stores shift focus from merely selling products to understanding and responding to consumer emotions, embodying a return to a more human-centered approach in retail [4]