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银行放贷不再大海捞针解码重庆小微融资“智能导航术”
"以前是大海捞针,我们想找到真正需要支持的小微企业太难了,时常被企业拒之门外。好不容易找到 企业,由于缺乏足够的信用数据,看不清企业真实经营情况,想贷又不敢贷。有了协调机制,政府部门 初筛推荐、银行精准对接,不仅让企业获贷更容易了,我们也不用再盲目找客户了。"谈及对小微企业 融资协调机制的直观感受,农业银行重庆巴南支行普惠部经理赵凯如是说。 小微企业发展离不开金融活水的精准滴灌。一手牵企业,一手牵银行,2024年10月由金融监管总局、国 家发展改革委牵头建立的支持小微企业融资协调工作机制,核心便是从供需两端共同发力,统筹解决小 微企业融资难和银行放贷难的问题。该机制落地成效如何?小微企业融资难、融资贵等问题是否仍然存 在?各方如何构建小微企业可持续服务生态? 不同地区有着各自的经济发展特色,也有着不同的小微企业融资协调机制实践特点。盛夏时节,中国证 券报记者带着上述问题赴山城重庆,调研了解当地充分利用数据优势,以搭建协同共享网络、挖掘企业 数据资源价值为抓手,推动数字要素赋能普惠金融,全方位提升小微企业金融服务质效。 ● 本报记者 张佳琳 特色金融产品助推产业发展 "百菜百味,一麻当先。"提到重庆就绕不开麻辣 ...
湖北兴福电子材料股份有限公司关于选举职工代表董事的公告
2025年8月6日 附件: 贺兆波先生简历 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏,并对其内容 的真实性、准确性和完整性依法承担法律责任。 根据《中华人民共和国公司法》(以下简称"《公司法》")《上海证券交易所科创板上市公司自律监管 指引第1号一一规范运作》等法律法规和规范性文件和《湖北兴福电子材料股份有限公司章程》(以下 简称"《公司章程》")的相关规定,湖北兴福电子材料股份有限公司(以下简称"公司")董事会设职工 代表董事1名。2025年8月4日公司召开职工代表大会,会议选举贺兆波先生(简历详见附件)为公司第 二届董事会职工代表董事,贺兆波先生将与公司2025年第二次临时股东大会选举产生的董事共同组成公 司第二届董事会,任期自公司2025年第二次临时股东大会审议通过之日起至公司第二届董事会任期届满 之日止。 贺兆波先生符合《公司法》《上海证券交易所科创板股票上市规则》等相关法律法规及《公司章程》规 定的任职资格,不存在《公司法》规定的不得担任公司董事的情形,与持有公司5%以上股份的股东、 公司实际控制人、其他董事和高级管理人员不存在关联关系,未直接持有公司股票。本次 ...
江苏诺泰澳赛诺生物制药股份有限公司关于自愿披露通过药品cGMP现场检查的公告
三、风险提示 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏,并对其内容 的真实性、准确性和完整性承担法律责任。 江苏诺泰澳赛诺生物制药股份有限公司(以下简称"公司")于近日收到PIC/S成员巴西国家卫生监督局 (ANVISA) 签发的《药品生产质量管理规范证书》CBPF-GMP证书。本次检查覆盖公司连云港工厂 cGMP系统,产品包括原料药司美格鲁肽及利拉鲁肽。PIC/S (Pharmaceutical Inspection Co-operation Scheme) 是一个旨在促进药品生产质量全球统一标准的国际组织,成员遍布欧洲、美洲、亚洲、大洋洲 等地区。 一、本次cGMP现场检查的相关情况 1、企业名称:江苏诺泰澳赛诺生物制药股份有限公司 公司本次司美格鲁肽、利拉鲁肽原料药生产线通过巴西卫生监督局cGMP现场检查,是继美国食品药品 监督管理局(FDA)、韩国食品药品安全部(MFDS)后通过的又一海外官方合规检查。标志着公司拥 有符合国际法规市场标准的生产质量管理体系,将进一步推进公司产品在海外市场的销售和推广。 由于药品生产销售及客户拓展可能会受到行业政策、宏观环境、市场竞 ...
成长股多头逻辑未改机构建议布局低估值成长领域
Core Viewpoint - The A-share market is experiencing a rebound, with the Shanghai Composite Index surpassing the 3600-point mark, indicating a recovery in market sentiment and a continuation of the upward trend rather than a reversal [1][2]. Market Performance - Since June, the growth style has remained active, with the ChiNext Index rising over 20% and reaching a new high for the year by July 29, while the Sci-Tech 50 Index increased nearly 10% during the same period [2]. - Despite a short-term adjustment from July 30 to August 4, both the ChiNext and Sci-Tech 50 indices maintained relatively high levels [2]. Policy and Funding Support - The Central Political Bureau meeting on July 30 emphasized enhancing the attractiveness and inclusiveness of the domestic capital market, which is expected to support the growth stock sector [2]. - There is a significant flow of funds into the stock market, with the ratio of household deposits to total stock market value remaining high at 1.8, indicating ample room for reallocation of funds [2]. Industry Trends - New momentum is accumulating in the industry, with the Ministry of Industry and Information Technology reporting a 35.6% year-on-year increase in industrial robot production and a 25.5% increase in service robots [3]. - The Wind Innovation Drug Index has seen a cumulative increase of nearly 30% since June, while the AI and humanoid robot indices have both risen over 15% [3]. Investment Focus - Institutions are focusing on low-valuation growth sectors, particularly in military industry, AI applications, and other technology-related fields [4][5]. - The military sector is favored due to its strategic importance, while AI applications are expected to gain traction as new models are released [4]. Macro Environment - The weak dollar cycle combined with domestic growth stabilization policies enhances the relative advantage of growth styles in the market [5]. - The overall market trend is expected to remain upward, with technology growth as the main focus for investment [5][6]. Future Outlook - Analysts predict that the market may experience a "two steps forward, one step back" rhythm, with a gradual increase in the index center [5]. - The AI sector is anticipated to continue being a focal point for growth, with innovations expected to accelerate in the second half of the year [6].
发行热度攀升8月新基金密集亮相
Group 1 - The issuance of new funds remains strong in August, with 72 new funds launched as of August 4, 2023, and a significant number of funds sold out on the first day of issuance [1][2] - Major fund companies such as E Fund, GF Fund, and Invesco Great Wall are among those launching new products, including equity and bond funds, to meet diverse investor needs [1][3] - The majority of new funds are equity products, with 16 active equity funds and 32 passive index funds launched, indicating a shift towards a more diversified product line [2][3] Group 2 - Fund companies are adjusting their issuance strategies, focusing on filling product gaps rather than solely increasing scale through new fund launches [3][4] - There is a growing interest in passive investment products, particularly index funds, as many smaller fund companies seek to participate in this segment without the high costs associated with ETFs [3][4] - Market sentiment remains optimistic, with expectations of a strong market driven by sectors such as technology and financials, as well as structural opportunities in the A-share market [4]
投资端选项多元化 配置资金酝酿分流
禅龙资产表示,税收政策的调整对存量券和新发券采取"新老划断",存量券相较于新发券具备免税优 势,短期机构投资者在综合成本的考虑之下,可能会出现抢购存量券的情况,部分交易盘对此进行博 弈,推动存量券收益率下行,而新发券由于征税,对机构投资者的吸引力将下降。对于存量券而言,存 在中短期利好。 此外,禅龙资产还认为,在此政策之前,利率债利息收入免征增值税而信用债需征税,信用利差中涵盖 了这部分税收溢价,新规对利率债恢复征税后,利率债相对于信用债的税收优势不再,税收溢价也将收 敛,从而带动信用债利差与其他券种的利差收窄。另外,随着国债、地方政府债券、金融债券等利率债 配置性价比的降低,市场利率中枢有望整体上移。 日前,财政部和税务总局发布公告,自2025年8月8日起,对在该日期之后(含当日)新发行的国债、地 方政府债券、金融债券的利息收入,恢复征收增值税。对在该日期之前已发行的国债、地方政府债券、 金融债券(包含在2025年8月8日之后续发行的部分)的利息收入,继续免征增值税直至债券到期。 消息公布的当天,市场瞬间作出反应——新债征税意味着持有成本飙升,债券收益率应声暴涨。但短短 几小时后,剧情陡然反转:老债因"免税 ...
激发消费潜能、市场活力银行积极响应贷款贴息政策
● 本报记者 张佳琳 在政策引导下,8月以来工商银行、农业银行、建设银行、交通银行、平安银行等多家银行积极响应个 人消费贷款贴息政策与服务业经营主体贷款贴息政策,部署政策落地实施的各项准备工作,确保贴息政 策精准高效地传导至千企万户,为提振消费、激发市场活力注入强劲动能。 持续创新普惠金融产品 滚烫的辣油浇在铺满鲜花椒的鱼肉上,香气瞬间炸开,厨房里锅铲翻飞,泡椒的酸香、豆瓣酱的醇厚在 空气中交织……在四川,杨先生经营的江湖菜馆凭借独特的味道获得消费者认可,门口的食客经常大排 长龙。"做江湖菜,讲究的就是'鲜'和'快'。"杨先生在餐饮领域深耕多年,对烹饪颇有心得。 然而,餐馆经营规模不断扩大让他面临房租、供应商货款等资金周转难题。工商银行广安分行在深入开 展"千企万户大走访"活动时,得知了杨先生的情况,便迅速为其制定了专属融资方案,发放近500万 元"烟火贷",解决了他的燃眉之急。"创业不容易,感谢银行的专业服务!"杨先生激动地说。 对杨先生的金融支持,是工商银行积极推动普惠金融创新实践的生动缩影。工商银行相关负责人表示, 为响应国家政策,该行不断创新普惠金融产品,加大对服务型经营主体的贷款支持力度。针对个体工 ...
7月大宗商品价格指数环比上涨0.5%
Group 1 - The China Logistics and Purchasing Federation reported that the commodity price index for July was 111.4 points, reflecting a month-on-month increase of 0.5% [1] - In July, the black commodity price index rebounded to 77.9 points, up 1.7% month-on-month, while the non-ferrous price index continued to rise to 130.1 points, up 1.1% [1] - The agricultural price index fell to 97.9 points, down 0.2% month-on-month, and the energy price index decreased slightly to 96.7 points, down 0.6% [1] - The chemical price index peaked and then fell to 102.9 points, down 1.4% month-on-month, and the mineral price index continued to decline to 71.7 points, down 2.7% [1] - Among the 50 monitored commodities, 32 saw price increases while 18 experienced price declines in July [1] Group 2 - The continuous month-on-month positive growth of the commodity price index for three consecutive months indicates optimistic expectations among enterprises and a stable recovery in the market [2] - The implementation of the "anti-involution" policy and macroeconomic counter-cyclical adjustment policies is expected to support a stable and positive outlook for the commodity market [2] - Despite the overall positive trend, challenges such as insufficient effective demand and increased operational pressures in certain industries remain [2] - The importance of the commodity circulation industry in stimulating domestic demand, stabilizing growth, and promoting development is emphasized for further economic recovery [2]
2025第二十七届哈尔滨国际车展开幕
这是8月5日拍摄的2025第二十七届哈尔滨国际车展现场(无人机照片)。 当日,为期7天的2025第二十七届哈尔滨国际车展在哈尔滨国际会展中心开幕。 新华社发 ...
结构性货币政策工具将持续发力
Core Viewpoint - The article discusses the ongoing efforts of China's macroeconomic policies to support economic stability and growth amid complex external challenges, emphasizing the role of structural monetary policy tools in targeting specific sectors and weaknesses in the economy [1][2]. Group 1: Structural Monetary Policy Tools - Structural monetary policy tools are highlighted as essential for providing precise support to specific economic sectors and weak links, with a focus on technology innovation and consumption [1][2]. - The People's Bank of China (PBOC) plans to create new loans for consumption and elderly care, increase the quotas for technology innovation and agricultural loans by 300 billion yuan each, and reduce interest rates on various structural monetary policy tools by 0.25 percentage points [1][2]. - By May 2025, loans for technology innovation and technological transformation are expected to reach 1.7 trillion yuan, which is 1.9 times the amount at the end of 2024, indicating the effectiveness of these tools [2]. Group 2: Financing Costs and Economic Support - The average interest rate for new corporate loans from January to June was approximately 3.3%, down about 45 basis points from the previous year, while personal housing loan rates were around 3.1%, down about 60 basis points [2][3]. - The PBOC aims to enhance the effectiveness of monetary policy by improving the transmission of monetary policy and reducing overall financing costs, particularly focusing on non-interest costs such as collateral and intermediary service fees [3][4]. Group 3: Liquidity Management - The PBOC has lowered the reserve requirement ratio by 0.5 percentage points, injecting approximately 1 trillion yuan in long-term liquidity, and has maintained a stable liquidity supply through various monetary policy tools [4][5]. - The expectation is that the PBOC will continue to implement a moderately loose monetary policy in the second half of the year, utilizing reverse repos and other tools to ensure ample liquidity for government bond issuance and credit support [4][5].