| | | C-C-C | | | --- | --- | --- | --- | | 联系地址 | | 3 | | | 人联系方式 | | | | | 改易说明 | 王西其唯一济量占外实《教授多彼八任。 | | | | 中心审核意见 | | | | | 提否建议解除官 控) | | | | | 心审核人(签章) | 联系方式 | | 雷 | | | 注:此表一式两份,银行(金融机构)开户网点、公安机关反 | | | 图片来源：某社交平台 近日，"凌晨点外卖次数过多导致银行卡被冻结"的话题引发社会广泛关注。 一名网友在社交平台展示了一张带有反诈中心公章的解封证明，"可疑交易说明"一栏写着"主要是凌晨 点外卖次数较多被风控"。这位网友调侃道，"没玩梗，是真的，盖章之后解开了。" "我的卡被冻结后去银行柜台解卡，工作人员问我为啥半夜那么多几十块钱的交易，怀疑是刷单行为， 我说因为我饿了。" "半夜逛淘宝，薅0.01元那种，结果银行卡被封了。" "之前单位组织捐款，我让同事们都打到我卡上，一个人十块二十块的样子，然后银行就直接把我卡给 冻结了。" 随即，引发了众多网友分享自身经历。 招联金融首席研究员董希淼在接受《 ...

2026年伊始，又一家金融租赁公司股权发生变更，多名股东退出。 根据1月12日国家金融监督管理总局四川金融监管局发布的公告信息，四川天府金融租赁股份有限公司 （以下简称"天府金租"）的四家初始股东全部退出，四川锐丰投资管理集团有限公司、四川品信汽车集 团有限公司、万腾实业集团有限公司、四川南充康达汽车零部件集团有限公司这四家股东合计持有的6 亿股股份全部由四川天府银行受让，股权变更后，四川天府银行在天府金租的持股比例达到90%。 稍早前，冀银金租股东——北京建安特西维欧特种设备制造有限公司持有的约4.93亿股股份同样被"银 行系"的河北银行接管，河北银行在冀银金租的持股比例提升至85.5%。 放眼全国融资租赁行业，在监管持续收紧、行业回归本源、市场出清加快的背景下，退出的不只有个别 金融租赁公司的股东，还有一大批不符合监管要求、缺乏合规基础的"失联""空壳"等非正常经营公司。 据中国外资租赁委员会统计，2025年，已有北京、云南、山东、湖北、浙江、陕西、福建、四川、安 徽、江西、西藏、广东、上海、辽宁、重庆等20个省市的金融管理部门陆续公布清退名单，涉及融资租 赁公司共计4351家，行业出清速度创下近年新高。 ...

Group 1: Global Economic Outlook - The International Monetary Fund (IMF) expresses optimism about the global economic outlook for 2026, with a slight upward adjustment of the growth forecast to 3.3% [1] - The growth rates for developed economies are projected at 1.8% for 2026 and 1.7% for 2027, with the US expected to grow by 2.4% in 2026 due to fiscal policies and interest rate cuts [1] - The Eurozone's growth is forecasted at 1.3% for 2026 and 1.4% for 2027, driven by increased public spending in countries like Germany, Ireland, and Spain [1] Group 2: Emerging Markets and China - Emerging markets and developing economies are expected to grow by 4.2% in 2026 and 4.1% in 2027, with China showing a strong performance [2] - The IMF has raised China's growth forecast for 2026 to 4.5%, reflecting a positive outlook compared to previous predictions [2] Group 3: Risks and Challenges - Despite the optimistic growth forecasts, the IMF warns of downside risks to the global economic outlook, including potential escalation of trade tensions and the impact of rising fiscal deficits and public debt on long-term interest rates [2] - The IMF highlights concerns regarding artificial intelligence (AI), noting that overly optimistic expectations could lead to a sharp decline in actual investments in high-tech sectors [2] Group 4: AI and Productivity - The rapid adoption of AI could significantly enhance productivity, potentially increasing global economic growth by up to 0.3 percentage points in 2026, depending on the speed of AI technology adoption [3] - Achieving these benefits requires complementary policies to address energy supply constraints and manage labor market transitions [3] Group 5: Monetary Policy Recommendations - The IMF emphasizes the need for central banks to adjust monetary policies in response to the evolving global economic environment to maintain price stability [4] - Countries experiencing negative demand shocks may consider gradual interest rate cuts, while those with inflation above targets should adopt a cautious approach [4] - The importance of maintaining central bank independence is highlighted as crucial for macroeconomic stability and effective policy implementation [4]

研究制定出台2026—2030年扩大内需战略实施方案 当前，我国经济发展中需求不足的问题较为突出，同时也存在供给不充分的问题。王昌林表示，要坚持 把宏观政策的发力点放在做强国内大循环上，全方位扩大国内需求。重点是要适应需求升级的趋势，结 合新一轮科技革命和产业变革的需要，研究制定出台2026—2030年扩大内需战略实施方案，为以新需求 引领新供给、以新供给创造新需求提供强有力的创新举措和要素保障，努力实现供需互促、循环升级。 研究设立国家级并购基金 1月20日，国新办举行新闻发布会，国家发展改革委介绍落实中央经济工作会议精神，推动"十五五"实 现良好开局有关情况，并对热点问题进行回应。 推动优化节假日安排 国家发展改革委副主任王昌林介绍称，2025年，着力解决群众急难愁盼，民生福祉实现新提升。面对人 民群众新期待，进一步加强普惠性、基础性、兜底性民生建设，努力促进高质量充分就业，全年城镇调 查失业率平均为5.2%，有序实施育儿补贴制度，逐步推行免费学前教育，推动优化节假日安排，让千 家万户有实打实的获得感，以惠民生为牵引，打开发展新空间。 谋划推进一批"十五五"时期的高技术产业标志性引领性重大工程 国家发展改 ...

Group 1 - The core viewpoint of the articles indicates a general decline in housing prices across major cities in China, with signs of differentiation in the market, particularly in first-tier cities where some areas show signs of stabilization [1][2][3] - In December 2025, the number of cities with rising new residential prices decreased from 8 to 6, while the number of cities with falling prices also slightly decreased from 59 to 58, indicating a more balanced market [1] - First-tier cities experienced a slight decrease in new residential prices, with a 0.3% decline in December, which is a narrowing of the decline by 0.1 percentage points from the previous month [1] Group 2 - The second-hand housing market showed a more pronounced adjustment, with an average price decline of 0.9% in first-tier cities in December 2025, although this decline was less severe than in previous months [2] - The overall decline in housing prices in 2025 was less than in 2024, with a notable increase in demand as buyers began to enter the market more actively due to favorable purchasing conditions [2][3] - In 2025, the total investment in real estate development decreased by 17.2% year-on-year, reflecting significant changes in the supply side of the market [3] Group 3 - The proportion of second-hand housing transactions is increasing, with second-hand homes accounting for approximately 65% of transactions in major cities, up about 4 percentage points from 2024 [4] - The new housing market is shifting to meet improvement needs, while developers are focusing on differentiated supply by offering "better homes" [4] - In 2025, the sales area of new residential properties was 881 million square meters, a year-on-year decrease of 8.7%, indicating ongoing challenges in the market [3]

"以前办理一笔跨境付汇要准备一堆纸质单据，单笔付汇整个流程需1.5天。现在线上提交申请后半天就 能到账，一年仅单据打印和邮寄的费用就省了上万元！"在广东省跨境贸易高水平开放试点工作推进会 上，佛山青松科技股份有限公司财务负责人的分享引发众多参会者的共鸣。 作为外向型科技企业，该公司主营智慧显示与交通产品，产品远销160多个国家，外销占比达88%。其 每月收付汇业务超百笔，过往到银行办理业务需整理合同、报关单等几十份纸质材料，耗时1.5天左 右。被纳入跨境贸易高水平开放试点范围后，佛山青松科技股份有限公司仅需提交支付指令即可办理付 汇业务，外汇结算效率大幅提升，资金周转速度加快。 据悉，为创造国际一流营商环境、建设高水平对外开放门户，国家外汇局广东省分局于2022年在广州南 沙率先启动跨境贸易高水平开放试点。经过3年多的探索优化，试点已成为支持涉外经济发展的重要助 推器。 2025年10月29日，国家外汇局发布《关于进一步便利外汇资金结算支持外贸稳定发展的通知》，推出试 点扩围、流程简化、场景创新等9项举措。国家外汇局广东省分局随后组织召开跨境贸易高水平开放试 点工作推进会，深入贯彻党的二十届四中全会关于扩大高 ...

Core Insights - The high-quality development of pension finance has become a focal point due to the aging population trend, with Luoyang's population aged 60 and above reaching 1.471 million and an aging rate of 20.8% by the end of 2024 [1] Group 1: Policy Guidance - The People's Bank of China Luoyang Branch is actively formulating guiding opinions for the development of pension finance, enhancing communication with local government and financial institutions to improve policy awareness and coverage [2] - A project library of 30 key quality projects in the pension service sector has been established, facilitating targeted support from banks to eligible enterprises [2] Group 2: Financial Product Innovation - The first "pension loan" of 760,000 yuan was issued to a healthcare service company, showcasing the innovation in pension finance products and providing a model for the province [3] - Financial institutions are encouraged to develop a comprehensive financial product system tailored to the needs of pension enterprises, ensuring timely and effective funding [3] Group 3: Warm Financial Services - Financial institutions are creating a warm pension finance service system, including the establishment of demonstration outlets and various convenient services for the elderly [5] - Over 100 bank outlets have completed renovations to cater to the elderly, enhancing their service experience [6] Group 4: Overall Progress - Significant progress has been made in building the pension finance service system in Luoyang, with various banks conducting over 200 promotional activities benefiting more than 100,000 people [6]

Core Viewpoint - The People's Bank of China (PBOC) Hubei Branch is actively implementing biodiversity financial standards in the Shennongjia Forest District, focusing on local resources and development strategies to enhance ecological tourism and biodiversity finance [1][2] Group 1: Implementation of Biodiversity Financial Standards - The PBOC Shennongjia Forest District Management Department is integrating biodiversity financial standards with local ecological tourism and resource development strategies [1] - A collaborative mechanism has been established with local departments to support the implementation of biodiversity finance [1] - Three key support areas have been identified: "under-forest economy (planting, breeding, gathering)", "ecological tourism operation", and "natural protected area construction" [1] Group 2: Financial Support and Innovation - The PBOC has secured a re-loan of 229 million yuan to encourage local banks to increase credit investment in relevant fields [2] - An innovative "1+N" financing model has been introduced, which includes one industry chain and multiple credit products tailored for the "Shennong Five Grains" supply chain [2] - By the end of October 2025, innovative credit products like "Shennong Five Grains Loan" and "Shennong Mountain Residence Loan" are expected to exceed 282 million yuan in total issuance, covering various sectors related to biodiversity protection [2]

Core Viewpoint - The financial support from rural commercial banks in Shandong Province is crucial for the ecological protection and high-quality development of the Yellow River Basin, contributing to rural revitalization and the growth of the real economy [1][3]. Group 1: Financial Support for Agriculture - The Shandong Rural Credit Union has guided 21 rural commercial banks along the Yellow River to develop specialized credit products and increase loan issuance, focusing on supporting local agricultural products such as black cattle, yellow river carp, and winter jujubes [3]. - As of the end of Q3 2025, the total agricultural loan balance for these banks reached 150.9 billion yuan, an increase of 4.7 billion yuan since the beginning of the year [3]. - In Gaoqing County, 70% of the 573 cattle farming entities have received credit support from rural commercial banks, with an average credit line of 3 million yuan for 13 black cattle farmers [2]. Group 2: Support for Small and Micro Enterprises - The Dong'a Rural Commercial Bank provided a 9.9 million yuan intellectual property pledge loan to a local pharmaceutical company, significantly reducing financing costs and addressing liquidity issues [4][5]. - As of the end of Q3 2025, the small and micro enterprise loan balance for the 21 banks reached 197.9 billion yuan, an increase of 10.9 billion yuan since the beginning of the year [6]. - The banks are implementing a "thousand enterprises, ten thousand households" outreach initiative to enhance financial services for small and micro enterprises, ensuring quick and accessible financing [5][6]. Group 3: Green Development Initiatives - The Shandong Jinma First Decoration Materials Co., Ltd. received a 16 million yuan loan from Qihe Rural Commercial Bank to upgrade its production line for low-carbon manufacturing, demonstrating the bank's commitment to supporting green development [7]. - The Shandong Rural Credit Union is promoting green finance by optimizing credit resource allocation and developing innovative financial products to support enterprises in their green transformation efforts [8]. - The banks are implementing differentiated credit policies to support traditional industries' upgrades and green projects, including specialized loans for technological improvements and environmental initiatives [8].

Group 1 - The coastal city of Fangchenggang in China has a favorable ecological environment and rich marine biodiversity, which has led to the implementation of biodiversity financial standards [1] - Fangchenggang is focusing on developing a modern shrimp farming industry, with Hai Zhi Heng Aquaculture Co., Ltd. primarily cultivating whiteleg shrimp and banana shrimp [1] - The company has adopted a factory farming model since 2018, utilizing a water circulation system and IoT smart control to optimize feeding and reduce pollution [1] - In early 2024, the company invested over 23 million yuan to expand its capacity by building a new 28-acre high-level pool greenhouse, which initially strained its liquidity [1] - Guilin Bank Fangchenggang Branch provided a tailored financing solution, issuing a loan of 2.5 million yuan to alleviate the company's financial pressure and support its transition to factory farming [1] Group 2 - The Fangchenggang National Reserve Forest Base is primarily used for cultivating eucalyptus and other broadleaf tree industrial raw materials [2] - Under the guidance of the People's Bank of China Fangchenggang Branch, the Agricultural Development Bank Fangchenggang Branch launched a "sustainable forestry + biodiversity" credit support program, providing a total credit of 700 million yuan to the reserve forest base [2] - By November 2025, the Agricultural Development Bank Fangchenggang Branch had disbursed 510 million yuan in loans to support the construction of the national reserve forest base, promoting a shift from traditional resource utilization to a comprehensive model of ecological restoration and rural revitalization [2]