传统银行信用风险管理模式以客户经理前端调查与风险总监中台审批为核心，过度依赖个体经验，在复 杂多变的经济环境中凸显滞后性与脆弱性。本文通过剖析传统模式存在的信息不对称、管理滞后、标准 缺失和非财务因素评估不足等困境，提出银行需实现从"个体英雄主义"到"体系化工程学"的理念转变， 新的风险管理逻辑强调"源头治理"，构建"研—产—销—管"一体化风险管理链条。同时，从组织架构、 流程再造、科技赋能、考核激励和文化建设五个维度给出实践保障措施，为银行信用风险管理范式变革 提供完整解决方案，助力银行实现风险可测、可控、可承受的管理目标，推动自身高质量发展并维护金 融体系稳定。 我国商业银行传统信用风险管理流程为"客户经理尽职调查→撰写报告→风险总监/信审会审批→用信审 查→贷后检查"，依赖客户经理调查能力与审批官经验直觉，前提假设是：前端深入调查和审慎审批可 识别和规避风险，但实践中存在诸多困境。其一，信息不对称与人为干扰显著。企业常隐瞒不利信息、 美化数据甚至虚构交易；客户经理或因业绩压力"选择性忽视"风险信号，且难识别跨行业复杂风险，少 数还存道德风险。其二，风险动态性与管理滞后性矛盾尖锐。信用风险随宏观经济、行业 ...

Core Insights - The article highlights the proactive response of Zhejiang Zhuji Rural Commercial Bank to the community's credit service needs by innovatively establishing a "Fengqiao-style" credit service station [2] Group 1: Service Features - The credit service station includes an education area to promote credit knowledge, a service area equipped with self-service inquiry devices, and a dispute resolution area to efficiently address community requests [2] - As of December 31, 2025, the service station has processed a total of 198 credit disputes and data corrections, and has completed over 20,000 self-service credit report inquiries and printouts [2]

中国人民银行松原市分行聚焦乡村振兴重点领域与关键群体，以金融"五篇大文章"为核心抓手，通过资 源整合、产品创新与政策联动，构建起全方位、多层次、可持续的乡村振兴金融服务长效机制，让金融 活水持续滴灌松原乡村大地。截至2025年11月末，松原全辖涉农贷款余额达679.6亿元，较2025年初新 增2.7亿元，为地方"三农"发展注入强劲金融动能。 在松辽平原的沃土上，乡村振兴战略正稳步推进。中国人民银行松原市分行聚焦乡村振兴重点领域与关 键群体，以金融"五篇大文章"为核心抓手，通过资源整合、产品创新与政策联动，构建起全方位、多层 次、可持续的乡村振兴金融服务长效机制，让金融活水持续滴灌松原乡村大地。截至2025年11月末，松 原全辖涉农贷款余额达679.6亿元，较2025年初新增2.7亿元，为地方"三农"发展注入强劲金融动能。 吉林省鸿翔农业集团鸿翔种业有限公司作为行业领军企业，在技术创新与设备升级过程中面临融资难 题。由于种子企业固定资产占比低，传统抵押担保模式需第三方保证公司介入，导致融资成本高企。农 业发展银行松原市分行精准对接企业需求，创新以"植物新品种权"为质押标的，依托"农业农村部质押 备案说明+人民银 ...

Core Viewpoint - The Xinyi Management Department of the People's Bank of China in Xuzhou has focused on high-quality development through the integration of party building and business operations, aiming to enhance financial services for local economic growth since 2025 [1] Group 1: Political Direction and Ideological Foundation - The department has implemented a theoretical learning system to ensure the alignment of major decisions from the central government with local practices, conducting 18 study sessions and participating in 3 central learning meetings [2] - It has integrated ideological work into its operational agenda, conducting regular educational activities to strengthen the ideological foundation of its staff [3] - A comprehensive internal control management system has been established to clarify responsibilities and enhance decision-making processes [3] Group 2: Strengthening Organizational Capacity - The department has developed a brand for party building, promoting the integration of party and business objectives, and has held numerous meetings and educational activities to foster a strong party culture [4] - It emphasizes the development of party members from business professionals and young talents, with recognition for outstanding members [4] - A youth talent cultivation program has been initiated, pairing new employees with mentors to enhance their professional growth [5] Group 3: Discipline and Governance - Regular education on discipline and integrity has been conducted, focusing on the central eight regulations and using case studies to reinforce ethical standards [6] - The department has implemented a multi-faceted supervision model to identify and address risks related to misconduct [6] - A systematic approach to problem rectification has been established, ensuring that issues identified through audits and inspections are effectively addressed [7] Group 4: Integration and Empowerment - The department has created a comprehensive financial service center to support local development, facilitating significant financing and policy outreach [8] - Collaborative mechanisms have been established with neighboring counties to enhance financial service delivery and data sharing [8] - Various outreach activities have been conducted to ensure that financial policies reach the grassroots level, significantly increasing community engagement [9]

Group 1 - The core viewpoint emphasizes the importance of financial asset management companies in supporting the "15th Five-Year Plan" and enhancing financial security while promoting high-quality economic development [1][2][3] - Financial asset management companies are expected to transition from a focus on risk prevention during the "14th Five-Year Plan" to improving efficiency and market-oriented operations, thereby better serving the real economy [1][2] - The "15th Five-Year Plan" outlines key principles such as comprehensive party leadership, prioritizing people, high-quality development, and deepening reforms, which guide the construction of a financial powerhouse [3] Group 2 - Financial asset management companies play a crucial role in risk resolution and supporting the real economy by focusing on the acquisition and disposal of non-performing assets and assisting troubled enterprises [4] - The companies are tasked with fostering innovation in financial services, particularly in high-tech sectors, by utilizing specialized investment tools to optimize capital structures and support critical industries [5] - In the real estate sector, financial asset management companies are expected to act as stabilizers and lead risk resolution efforts, engaging in urban renewal and improving living conditions through various financial strategies [6] Group 3 - The companies are encouraged to align with national strategies such as the "Belt and Road Initiative" and regional coordinated development, optimizing resource allocation and mitigating financial risks [7] - They should focus on sectors that align with the "Belt and Road Initiative," such as new energy and digital economy, while also enhancing asset restructuring and investment in key regions [7]

2025年以来，中国人民银行青海省分行坚守"支付为民"初心，充分发挥牵头抓总"主开关"作用，以提升 农村支付服务的便捷性、安全性与普惠性为目标，持续推动构建覆盖广泛、扎实高效的农牧区支付服务 体系。 聚焦基础设施，着力提升支付便利。中国人民银行青海省分行按照市场化原则，引导全省银行机构回归 支付业务的普惠性和便利性，合理规划惠农金融服务点布局，确保支付服务供给与农村居民需求相匹 配。截至2025年三季度末，青海省银行机构累计在农牧区布放ATM、POS机等银行卡受理终端4.63万 台，人均持有银行卡4.03张，同比增长12.09%，全省农牧区支付清算网络保持全覆盖；打造的26家叠加 公共事业缴费功能的服务驿站实现了"基础金融服务不出村、生活缴费不出村"，极大便利了农村居民生 产生活。 紧盯业务实际，筑牢服务安全底线。中国人民银行青海省分行以落实落细《青海省做好金融"五篇大文 章"实施方案》为出发点，结合辖区实际情况，编制《青海省惠农金融服务点运营情况摸排表》并开展 专项调研，及时总结问题，同步印发《关于做好惠农金融服务点相关工作的通知》，压实惠农金融服务 点开办行主体责任，督导开办行撤销惠农金融服务点后要及时向 ...

Core Insights - The article highlights the role of Postal Savings Bank in supporting agricultural development in Yunnan Province, particularly in Zhaotong City, through tailored financial services that align with local agricultural characteristics and the rural revitalization strategy [1][2][3][4][5][6] Group 1: Agricultural Development - The diverse climate and geography of the region contribute to a rich agricultural landscape, with low-altitude tropical fruits and high-altitude cool vegetables thriving [1] - In Yongshan County, the area dedicated to specialty fruit cultivation has reached 195,000 mu, with an annual output of approximately 100,000 tons and a production value exceeding 1.1 billion yuan [2] - The bank's "industry loan" products have been instrumental in addressing the financing needs of local farmers, enabling them to expand their operations and improve productivity [2][3] Group 2: Financial Support Mechanisms - Postal Savings Bank has introduced various financial products, such as "loquat loans" and "citrus loans," to support the development of specialty fruit industries [2] - The bank's proactive approach includes on-site visits and personalized financial solutions, which have effectively resolved funding challenges for farmers [2][3] - The bank has streamlined its loan approval process, reducing the time to 24 hours, thus enhancing accessibility for farmers and businesses [5][6] Group 3: Impact on Local Economy - The modernization of agricultural practices, supported by the bank's loans, has led to significant increases in crop yields, with some farmers reporting a 30% increase in production [3] - The transformation of previously idle land into productive agricultural areas has created job opportunities and increased income for local communities [5][6] - As of October 2025, the bank's inclusive finance initiatives have resulted in a balance of 960 million yuan in loans for small and micro enterprises, serving 4,528 clients [6]

Core Viewpoint - The Agricultural Bank of China, Linxia Branch, plays a crucial role in supporting rural revitalization through financial services, focusing on agricultural development and poverty alleviation efforts in key areas [1][2][6] Group 1: Financial Support for Agriculture - As of November 2025, the total loan balance of the Agricultural Bank of China, Linxia Branch, reached 11.692 billion yuan, with agricultural loans accounting for 4.578 billion yuan, reflecting a growth of 686 million yuan and a growth rate of 17.64% [1] - The bank has issued 5.53 billion yuan in personal loans to farmers in Dongxiang County over the past three years, supporting livestock farming and the food service industry [2] Group 2: Innovative Financial Products - The bank has introduced various financial products such as "Technology e-loan" to meet the needs of local enterprises, providing a 10 million yuan pure credit loan to a meat processing company [3] - The bank has actively promoted products like "Tax e-loan," "Electricity e-loan," and "Technology e-loan" to support small and micro enterprises, with a total loan issuance of 619 million yuan to private enterprises in 2025 [4] Group 3: Industry-Specific Financial Services - The bank has launched specialized credit services for the local food industry, issuing 318.6 million yuan in loans to small eateries and restaurants [5] - A total of 4.05 billion yuan in credit support has been provided to the entire beef and sheep industry chain, including loans to cooperatives and processing enterprises [5] Group 4: Community Engagement and Accessibility - The bank has implemented initiatives to enhance financial literacy among minority communities, including on-site services and promotional activities in local dialects [2] - The establishment of "e-push customer" platforms allows farmers to apply for loans from home, significantly improving access to financial services [2] Group 5: Future Outlook - The Agricultural Bank of China, Linxia Branch, aims to align its strategies with national policies and contribute to the modernization of rural areas in Linxia, focusing on the integration of financial services into the local economy [6]

Core Viewpoint - The article emphasizes that village and township banks should leverage their strengths and address weaknesses through specialized operations, business transformation, team building, and enhancing financial technology capabilities to play a more significant role in county markets and achieve higher quality development [1]. Group 1: Market Dynamics - As of December 2025, 368 banks have exited the market due to mergers or dissolutions, including 176 village banks, highlighting the need for these banks to adapt and innovate in a competitive environment [1]. - Village banks face intense competition from larger commercial banks that are expanding their services into rural areas, which has significantly reduced the market space for village banks [2]. - To maintain their market position, village banks must deepen their roots in rural markets and innovate by creating community service platforms that offer a wide range of financial and lifestyle services [2]. Group 2: Talent Structure - Village banks often lack high-end talent with comprehensive financial knowledge and management experience, which are advantages of larger banks [3]. - However, the local employees of village banks are familiar with their communities and can effectively promote services, turning this talent shortfall into a strength [3]. - Some village banks are improving their talent acquisition and incentive mechanisms to attract skilled professionals, indicating that their talent challenges can be transformed into advantages [3]. Group 3: Financial Technology - Village banks generally have low levels of technological advancement, which hampers their business expansion and competitive edge [4]. - They can leverage the technological resources of their parent banks to enhance their own capabilities, including sharing advanced technology platforms and training staff [5]. - By utilizing these resources, village banks can develop tailored online financial products that meet the specific needs of their local markets [5].

Group 1 - The core viewpoint of the articles highlights the increasing importance of market-oriented debt-to-equity swaps as a key financial tool for optimizing corporate capital structures and mitigating debt risks in the context of supply-side structural reforms and the transformation of the real economy [1][2] - China Galaxy Asset Management successfully implemented a market-oriented debt-to-equity swap with Shandong Road and Bridge Group, a leading enterprise in the domestic road and bridge infrastructure sector, which plays a significant role in major projects under national initiatives like "Transportation Power" and the "Belt and Road" [1] - The collaboration aims to help Shandong Road and Bridge Group optimize its debt structure, supplement equity capital, and enhance its resilience for sustainable investment and international cooperation, thereby contributing to the high-quality development of the regional economy [1][2] Group 2 - The successful implementation of the debt-to-equity swap project reflects China Galaxy Asset Management's commitment to the principles outlined in the Central Economic Work Conference and the Central Financial Work Conference, emphasizing the importance of balancing risk mitigation and development promotion [2] - By acting as a strategic investor, China Galaxy Asset Management introduces long-term stable equity capital to enterprises, enhances governance structures, and improves operational efficiency, thereby creating a virtuous cycle of capital structure optimization, operational vitality release, and core competitiveness enhancement [2] - The role of financial asset management companies is underscored as a "stabilizer" and "accelerator" in the economic cycle, demonstrating their capacity to support economic stability and growth [2]