近年来，中国人民银行凉山州分行结合凉山州委、州政府打造生物医药产业集群的战略部署，推动金融 资源精准流入重点环节和龙头企业。通过差异化信贷支持、集群式产融协同和创新型金融产品，凉山生 物医药产业加速崛起，为地方经济注入新动能。 围绕生物医药企业不同发展阶段和经营特点，当地金融机构提供差异化信贷支持，精准满足企业从种植 收购、经营周转到基地建设、智能制造等各环节的融资需求。截至目前，全州银行机构已为生物医药企 业提供授信超7.36亿元，发放贷款5.98亿元，贷款加权平均利率仅3.53%，显著低于全州平均水平。工 行凉山分行以信用方式为好医生攀西药业发放流动资金贷款1亿元，利率低至2.42%，有效缓解了企业 的资金压力。 在四川省凉山州西昌生物医药产业园，好医生、新鑫中药、华润三九（000999）等龙头企业正加紧生 产。车间里，自动化设备高速运转，科研人员正进行检测。"这几年金融支持越来越有力，资金能覆盖 种植、加工、研发等环节，让企业敢投入、能扩产。"好医生攀西药业相关负责人对《金融时报》记者 说。 针对生物医药企业轻资产、高研发的特点，中国人民银行凉山州分行鼓励银行创新贷款模式，推广知识 产权质押、科研项目贷 ...

Core Viewpoint - The Bank of China Xuzhou Branch is leveraging its global network and comprehensive services to support foreign trade enterprises in the Huaihai Economic Zone, providing customized solutions and technological empowerment to facilitate their international operations [1] Group 1: Emergency Financial Support - The Xuzhou Branch approved a $5.394 million export order financing within three days, setting a record for single financing for the enterprise and enabling it to secure long-term cooperation orders [2] - The branch initiated an "Emergency Service Mechanism" for foreign trade enterprises, forming a specialized service team to assess business data and market risks, and introduced a local first "foreign currency trade financing + exchange rate derivatives" combination plan [2] - The branch has provided over 4 billion yuan in working capital loans and more than 2 billion yuan in trade financing and foreign-related guarantee services to over 200 foreign trade enterprises [2] Group 2: Accelerated Service for Trade Facilitation - The introduction of the "Cross-border E-Line" service has reduced the time for cross-border settlement processes by over 50%, allowing enterprises to complete transactions in less than half a day [3] - The Xuzhou Branch has recommended 79 enterprises for high-level cross-border trade facilitation pilot programs and has included 134 enterprises in the cross-border RMB trusted list, enhancing the overall trade facilitation level in the region [3] - The branch has processed cross-border settlements totaling $3.7 billion and 7.2 billion yuan through online channels, with over 85% coverage of online exchange clients [3] Group 3: Cross-border Guarantee Services - The Xuzhou Branch utilized its global network to assist a local enterprise in securing a $9 million guarantee for customs requirements in North America, completing the process within 48 hours [4] - The branch has launched a "One Order System" financing service for the first "One Order" export train, providing comprehensive financial support and facilitating global fund management for leading enterprises [4] Group 4: Exchange Rate Hedging Services - The Xuzhou Branch has implemented a "Foreign Exchange Hedging Inclusive Action," promoting an electronic trading platform that allows small and micro enterprises to complete forward exchange transactions in 20 seconds without transaction fees [5][6] - The branch has established dedicated service groups for over 70 enterprises, providing real-time market analysis and policy interpretation to help them manage exchange rate risks effectively [6] - The introduction of a "credit granting + margin recycling" model has lowered the barriers for enterprises to engage in hedging, while also responding to cost reduction policies by waiving fees for small enterprises [6]

"尔滨"的人气越旺 温度越低 在最受年轻人欢迎的哈尔滨冰雪大世界，流光溢彩的冰雕世界分外夺目，"网红"超级冰滑梯首次融入长 城城墙纹理与烽火台造型；拉上爬犁的机器狗灵动喜庆，登台献舞的机器人动感十足，科技范儿直接拉 满；逃学企鹅依旧人气爆棚，憨态可掬的可爱模样引得游客捧腹大笑。 新年首日 140.5万人次的游客齐聚"冰城" 堪比一座Ⅱ型大城市的常住人口规模 其中 省外游客量占比42.1% 同比增长18.2% 再次印证了这座冰雪之城的巨大魅力 相关话题频频登上热搜榜 入冬后的哈尔滨不负"顶流"之名，在延续去年"宠粉"操作的基础上不断上新：那边，雪屋里吃火锅，冰 雕下看演唱会；这边，衣物棉鞋免费烘干，骑单车"遥控"索菲亚（002572）广场灯光……哈尔滨的好看 好玩说不尽道不完。 在园区大滑梯出口旁，邮储银行冰雪主题网点在2025年12月开门迎客，冰屋造型、趣味打卡集章动线吸 引游客拍照打卡。 跨年夜当晚，音乐炸场。作为"如歌的旅程"IP落地的首站，万余人齐聚冰雪大世界，在声光交织中沉浸 式感受冰雪音乐场景。头顶炸开的烟花、变幻莫测的无人机表演和万千灯火，将这座120万平方公里的 冰雪王国点缀得分外亮丽。 哈尔滨 ...

Core Insights - The article highlights the transformative impact of inclusive finance in rural areas of Hunan Province, particularly through innovative loan products like "Red Loan" and "Vegetable Loan" that cater to local agricultural needs [2][3][9] Group 1: Financial Innovations - The "Red Loan" program, initiated by Longshan Rural Commercial Bank, provides low-interest loans to farmers in revolutionary areas, significantly improving their income and agricultural productivity [2][4] - As of October 2025, the balance of inclusive micro-loans in Hunan Province is expected to grow by 11% year-on-year, outpacing the overall loan growth rate by 5.4 percentage points [3] - The "Vegetable Loan" was introduced in response to a severe winter disaster, allowing farmers to quickly access funds for rebuilding their operations without collateral [7][8] Group 2: Economic Impact - The "Red Loan" program has disbursed a total of 657 million yuan, fostering the development of local products and tourism, thus enhancing the economic landscape of the region [5] - The introduction of inclusive financial products has led to a significant increase in local bank deposits, with a 35% growth in the past two years, indicating a positive feedback loop between financial support and community trust [10][12] Group 3: Sustainable Development - The article emphasizes that the ultimate goal of inclusive finance is not merely to provide loans but to create a sustainable ecosystem that supports local economies and fosters trust between banks and communities [10][11] - Innovative financial models are being developed, such as the integration of technology to reduce loan processing costs and improve service efficiency, allowing banks to manage more clients effectively [11]

Core Viewpoint - The issuance of the first "green + sci-tech" dual-standard bond in Henan Province by Ansteel Group, facilitated by the People's Bank of China, marks a significant step in transforming green finance from policy advocacy to tangible financing, providing strong support for the green development of enterprises [1] Group 1: Green Finance Development - As of the end of Q3 2025, the balance of green loans in Anyang City reached 26.503 billion yuan, with an increase of 5.096 billion yuan since the beginning of the year, accounting for 8.13% of total loans, indicating that "green" has become the main theme of high-quality economic development in Anyang [1] - The green loan growth in Anyang City was 19.34% year-on-year, surpassing the overall loan growth rate by 14.49 percentage points, with a total of 2.323 billion yuan in loans issued through carbon reduction tools, supporting clean energy projects such as wind and solar power [2] - The net increase in green loans in Anyang City was 1.593 billion yuan in Q3 2025, which is 510 million yuan more than the previous year, demonstrating the continuous release of vitality in the development of green finance [3] Group 2: Financial Institutions' Initiatives - Agricultural Bank of China Anyang Branch launched "Planting e-loan" to support green agricultural development with inclusive interest rates, while Postal Savings Bank of China Anyang Branch opened a green channel to assist projects like rural waste management and smart parking [4] - Citic Bank Anyang Branch implemented preferential interest rates for projects related to biomass power generation and green infrastructure upgrades, effectively reducing financing costs for enterprises [4] - The establishment of a "green credit financial product manual" by the People's Bank of China Anyang Branch, summarizing 47 financial products from 18 financial institutions, aims to enhance the efficiency of bank-enterprise connections [2]

Core Viewpoint - The article highlights the efforts of Bozhou, known as the "World Capital of Traditional Chinese Medicine," to promote its local medicinal materials internationally through the facilitation of cross-border RMB transactions, leveraging financial support and innovative mechanisms to enhance the export of traditional Chinese medicine products [1][8]. Group 1: Mechanism and Policy Innovation - The establishment of a "Traditional Chinese Medicine Cross-Border RMB Coordination Working Group" aims to address policy coordination and data barriers, creating a collaborative mechanism among local authorities and financial institutions [2]. - A comprehensive service system covering "policy support, industry selection, and customs facilitation" has been developed to streamline the export process for traditional Chinese medicine [2]. Group 2: Financial Services and Support - The People's Bank of China Bozhou Branch has implemented a dynamic management model with three lists to identify and support enterprises engaged in cross-border RMB transactions, enhancing their access to financial services [2]. - Financial institutions have introduced various financing products tailored for traditional Chinese medicine enterprises, such as "Cross-Border Quick Loans" and "Intellectual Property Pledge Financing," to alleviate financing difficulties [5][6]. Group 3: Efficiency and Cost Reduction - The establishment of a "Cross-Border RMB Settlement Service Demonstration Zone" has significantly improved the efficiency of cross-border transactions, reducing processing times from three days to one day [4]. - Financial institutions have implemented fee reduction measures for cross-border transactions, saving enterprises over 8 million yuan in costs and increasing the willingness of small and medium-sized enterprises to use cross-border RMB by 30% [4]. Group 4: Market Expansion and Growth - The Bozhou branch of the People's Bank of China has facilitated the establishment of a green channel for RMB clearing with overseas banks, focusing on key markets such as ASEAN and Japan/Korea, resulting in a 50.45% year-on-year increase in cross-border RMB transactions with ASEAN [7]. - The promotion of policies and services through events like the International Bozhou Medicinal Material Trade Fair has reached over 300 enterprises, encouraging them to adopt cross-border RMB transactions [7].

Group 1 - The "Friendship Ten Thousand Mu Huanglian Under-Economic Demonstration Base" in Ankang City, Shaanxi Province, aims to integrate medicine cultivation, health care, and processing, with an initial investment of over 100 million yuan to plant 12,000 acres of Huanglian [1] - From 2021 to 2025, the price of Huanglian increased from 62 yuan per kilogram to 85 yuan, indicating a significant market opportunity for the cultivation and processing of this medicinal plant [1] - The project has created numerous job opportunities for local villagers, promoting stable income and employment [1] Group 2 - The "Lanrao Konjac" has received geographical indication product status, enhancing its marketability and recognition [2] - The company "Runfuyuan Konjac Development Co., Ltd." has established a production line for konjac tofu and a clean food ingredient production line, achieving an annual output of 2,000 tons [3] - The company has expanded its konjac planting area to 1,000 acres and has developed a marketing network centered around Fuzhou, Chongqing, and Quanzhou, ensuring stable sales [3] Group 3 - The ecological model of "fruit picking above and livestock raising below" in Han Yin County has effectively combined ecological protection with industrial development [4] - The local bank has provided 32 million yuan in credit to farmers and livestock breeders, facilitating the growth of the under-forest economy [4] - The under-forest economy has generated significant income for farmers, with a total output value of over 1.2 million yuan and employment opportunities for more than 20 households [4]

Core Insights - The central theme of the news is the emphasis on developing county-level industries to enhance farmers' participation in industrial development and improve the agricultural sector's overall efficiency and sustainability [1][2]. Group 1: Agricultural Industry Development - The "14th Five-Year Plan" period has seen the establishment of 210 characteristic industrial clusters, 250 modern agricultural parks, and 1,098 strong agricultural town projects across various regions [1]. - The emergence of new business models such as "agriculture + tourism," "agriculture + sports," and "agriculture + health" is enhancing the agricultural sector's comprehensive benefits and driving employment [2][3]. Group 2: Financial Services and Support - Financial institutions are innovating products and services to meet the diverse financial needs arising from agricultural industry clusters, including tailored loan products for specific agricultural sectors [3][4]. - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have issued guidelines to enhance financial services for rural reforms, promoting targeted financing solutions based on industry chain characteristics [2][3]. Group 3: Employment and Economic Impact - The development of agricultural industry clusters is improving employment conditions in rural areas, solidifying the industrial foundation, and broadening income avenues [5]. - Experts suggest that agricultural industry clusters are vital for stimulating county economic vitality and providing conditions for smart agriculture development and risk mitigation [5].

1月11日晚，华泰柏瑞基金发布公告，旗下旗舰产品沪深300ETF（510300）宣布派发每10份1.23元的现金红利，预计总额高达110亿元，将刷新境内ETF单 次分红最高纪录。 作为境内规模最大的ETF产品，该产品曾在去年6月创下83亿元分红纪录，时隔仅7个月，纪录又被大幅提高。 华泰柏瑞基金公告详细披露了此次分红方案。权益登记日定为2026年1月16日，除息日为1月19日，现金红利将于1月27日发放到投资者账户。 | 基金名称 | | 华泰柏瑞沪深 300 交易型开放 | | --- | --- | --- | | | | 式指数证券投资基金 | | 基金简称 | | 华泰柏瑞沪深 300ETF | | 基金主代码 | | 510300 | | 基金合同生效日 | | 2012年5月4日 | | 基金管理人名称 | | 华泰柏瑞基金管理有限公司 | | 基金托管人名称 | | 中国工商银行股份有限公司 | | 公告依据 | | 《公开募集证券投资基金信息 | | | | 披露管理办法》、《华泰柏瑞沪 | | | | 深 300 交易型开放式指数证券 | | | | 投资基金基金合同》、《华泰柏 | | | ...

Group 1 - BYD plans to gradually abandon its proprietary supply chain finance platform "Di Chain" over the next 1-2 years, shifting towards more standardized payment methods such as bank acceptance bills, commercial acceptance bills, and cash [1] - "Di Chain" has supported BYD's expansion for ten years, providing a digital voucher system for accounts receivable management and factoring financing services to over 10,000 suppliers [1] - The transition is driven by compliance issues, high discount costs for suppliers, and accumulated hidden debts, alongside tightening regulatory policies [1] Group 2 - In September 2025, the Ministry of Industry and Information Technology and other departments issued a plan to ensure key automotive companies adhere to payment commitments and establish payment norms for supplier accounts [2] - BYD's financial report shows that as of September 2025, its accounts payable amounted to 222.8 billion yuan, with only 22.2 billion yuan in payable bills, representing just 0.62% of total payables [2] - Recent data indicates a significant increase in BYD's issuance of commercial bills, with amounts of 2.7 billion yuan, 2.3 billion yuan, and 4.5 billion yuan in the last three months of 2025, reflecting a commitment to reduce "Di Chain" usage [2] Group 3 - Bills are widely recognized in commercial activities due to their dual attributes of "credit + circulation," serving as a written certificate for unconditional payment [3] - The fundamental function of bills is payment, providing a safer and more flexible alternative for large transactions compared to cash, especially beneficial for companies facing cash flow challenges [5] - Bills can also serve as a financing tool, allowing companies to discount them with financial institutions for immediate cash flow needs [6][7] Group 4 - The credit attribute of bills acts as an "invisible business card" for companies, where the acceptance of a bill depends on the issuer's credit rating [8] - Long-term stable use of bills can enhance a company's credit record, leading to better payment terms and lower barriers for future transactions [8] Group 5 - Risks associated with bills include the potential for forgery and alteration, particularly with traditional paper bills, as well as the risk of non-payment if the issuer's credit fails [9] - Operational risks arise from non-compliance with legal requirements in the creation and transfer of bills, which can render them invalid [9] - Understanding bills as standardized financial tools can enhance the financial security and operational stability of companies within the supply chain [10]