Core Viewpoint - The support for private and small micro enterprises is an inherent requirement of financial services for the real economy, with significant policy guidance and financial measures in place to enhance financing accessibility and affordability [1][3]. Group 1: Financing Accessibility and Growth - The average annual growth rate of inclusive small micro loans has exceeded 20% over the past five years, with the balance of such loans increasing from 15.1 trillion yuan at the end of 2020 to 35.6 trillion yuan by June 2025 [2][3]. - The balance of loans to privately held enterprises reached approximately 45 trillion yuan by the end of May this year, indicating a robust increase in financing support [2]. - Agricultural Bank's loans to private enterprises have seen a compound annual growth rate of over 20% in the past five years, reflecting the effectiveness of policy measures [3]. Group 2: Cost Reduction and Financial Relief - The weighted average interest rate for newly issued inclusive small micro enterprise loans decreased from 5.08% in December 2020 to 3.48% by June 2025, showcasing a significant reduction in financing costs [4][6]. - A loan of 500 million yuan can save over 20,000 yuan in annual interest expenses due to lower interest rates, which is particularly beneficial for cost-sensitive sectors like wholesale and retail [5]. - The proactive adjustment of financing plans by banks in response to changes in the Loan Prime Rate (LPR) has further facilitated cost reductions for enterprises [5]. Group 3: Diversified Financing Channels - The establishment of a multi-layered and diversified financing system is crucial for meeting the varying financing needs of private and small micro enterprises at different growth stages [7]. - The issuance of technology innovation bonds, such as the 800 million yuan bond by iFlytek with a coupon rate of 1.83%, highlights the growing role of the bond market in supporting technological advancements [7]. - As of June, 288 entities had issued approximately 600 billion yuan in technology innovation bonds, indicating strong participation from financial institutions and technology firms [7]. Group 4: Policy and Structural Improvements - Continuous efforts to improve the financing structure are essential for building a modern financial system that effectively serves the needs of private and small micro enterprises [8].

近日，一场突如其来的大雨席卷莱阳，阴沉的天空下，豆大的雨点密集砸落，溅起浑浊的水花。就在这 时，一位神色焦急的母亲抱着孩子匆匆冲进建行烟台莱阳文化路支行的大厅，母女俩被雨水打了个措手 不及，脚步慌乱不已。 孩子被淋湿的头发紧紧贴在额头上，小脸冻得红扑扑的，嘴里不时发出小声的哭闹，那委屈又无助的模 样，让人看了心生怜悯。工作人员第一时间注意到了这对母女，她立刻停下手中的工作，快步走向便民 箱，熟练地取出干毛巾和几张色彩鲜艳的儿童贴纸。 工作人员蹲下身来，与孩子平视，脸上挂着温和亲切的笑容，轻声哄道："宝贝看，这个小猫贴纸送 你，多可爱呀！等雨停了咱们再回家好不好？" 孩子被贴纸上漂亮的图案吸引，渐渐停止了哭闹，好奇 地盯着贴纸，眼神里满是惊喜。工作人员趁机用干毛巾轻轻擦拭孩子头上和脸上的雨水，动作轻柔又细 心。 随后，工作人员接了一杯热水，小心翼翼地端到母女面前，温柔地说："快喝点热水暖暖身子，别着凉 了。" 母亲接过热水，手微微颤抖，眼中满是感激。工作人员又转身走到伞架旁，精心挑选了一把质量 较好的折叠伞递给母亲："这把伞您先用着，下周带回来就行，别担心，我们相信您。" 母亲接过伞，眼眶瞬间红了，泪水在眼眶里 ...

经系统核查，李女士的银行卡因风险管控被限制使用。考虑到其特殊身体状况，柜员第一时间联系开户 行说明情况，请求加急处理。等待回复期间，工作人员细致调整座椅，保障李女士的舒适度。在开户行 反馈需要补充相关材料后，工作人员又耐心指导她填写申请表，协助准备所需文件，并通过内部加急通 道，在半小时内完成了全部材料的传送审核。当银行卡成功解限的那一刻，李女士紧紧握住工作人员的 手，感动地说："真的太感谢了，你们不仅帮我解决了问题，更让我感受到了家人般的温暖。" 此次服务经历引发了网点员工的深入思考，营运主管强调："真正的优质服务，是能在制度框架内展现 人性关怀。我们要做的不仅是办理业务，更要理解客户背后的需求。" 为此，网点进一步完善了特殊客 户服务规范，新增了应急服务培训内容，确保每位员工都能在合规前提下妥善处理各类特殊情况。 在银行业竞争日益激烈的今天，建行济南洪楼支行始终坚信：有温度的服务才是最好的竞争力。这次为 特殊客户开通绿色通道的服务实践，生动诠释了 "提能创优" 的服务内涵。未来，该行将继续深耕服务 细节，让每一位客户都能感受到建设银行专业而温暖的服务品质。 在一个平常的工作日，建行济南洪楼支行营业大厅内上 ...

此次事件不仅彰显了建行济南唐冶中路支行恪守职业操守的精神风貌，更传递出金融服务中的诚信温 度。在当下快节奏的社会生活中，这样的正能量事例，让公众感受到诚信与责任依然是社会运转中不可 或缺的重要力量，也为银行业服务品质写下了生动注脚。 当日中午 12 时 10 分，该支行网点负责人在厅堂值班巡查时，发现高柜外部区域的垃圾桶旁有一个遗留 纸袋。拿起时察觉重量异常，打开后发现内有几沓百元现金。负责人立即将纸袋封存，一边联系营运主 管核查当班柜员办理业务情况，一边调阅厅堂监控录像。经过反复比对核实，最终确认失主为上午办理 业务的刘先生。 当网点负责人拨通刘先生电话说明情况时，刘先生还未察觉现金遗失，一直以为钱在车后备箱中。得知 7 万元现金在垃圾桶旁放置近 2 小时，险些遗失，刘先生惊出一身冷汗，随即火速赶回网点。领回现金 后，刘先生感激万分，工作人员："保护客户财产安全是我们的职责，客户的满意就是最好的回报。" 事后，刘先生再次致电建行客服热线，郑重表达对该行工作人员的感谢。 近日，建设银行客户服务热线接到一通特殊的感谢来电。济南市民刘先生在电话中激动地讲述了自己 7 万元现金失而复得的经过，再三向建行济南唐冶中路 ...

近日，建行菏泽龙堌支行营业大厅内上演了一幕暖心场景。一位客户携带一千多枚一元硬币前来办理兑 换业务，面对这一特殊情况，该行高柜柜员以高度的责任心和专业素养，耐心细致地完成了清点工作， 用实际行动诠释了 "以客户为中心" 的服务理念。 据了解，这位客户经营着一家小本生意，在日常经营中积攒了大量硬币。由于硬币在日常交易中使用不 便，携带也颇为麻烦，他便抱着试试看的心态来到该行寻求帮助。当客户将沉甸甸的硬币袋放上柜台， 倒出那一堆叮当作响的一元硬币时，心里其实有些忐忑，担心这么多零散的硬币会被银行拒绝。 经过一番细致操作，一千多枚硬币终于清点完毕。当客户拿到兑换好的整百纸币时，脸上露出了感激的 微笑，他激动地说道："本以为这么多硬币会被拒绝，没想到你们建行服务这么好，柜员这么有耐心， 真是太感谢你们了！" 建行菏泽龙堌支行这一暖心举动，不仅切实解决了客户的实际困难，更用行动展现了建行人耐心细致的 服务态度。未来，该行将继续秉持 "以客户为中心" 的服务理念，不断提升服务水平和质量，用心对待 每一位客户的需求，让每一位客户都能感受到建行的温暖与关怀，为构建和谐金融环境贡献坚实力量。 然而，让客户没想到的是，柜员看到这 ...

Group 1 - The article highlights a recent incident at the CCB Jining West City Branch where staff successfully identified and prevented a scam targeting an elderly customer, showcasing the bank's commitment to customer protection [1][2] - The scam involved individuals posing as government officials offering "special benefits" for the elderly, requiring sensitive personal information under the guise of a "qualification review" [1] - Bank staff took immediate action by educating the elderly customer about the characteristics of such scams, assisting in reporting the incident to the police, and advising on safeguarding personal information [1][2] Group 2 - CCB Jining West City Branch prioritizes customer rights, particularly focusing on the elderly demographic, which is more vulnerable to scams [2] - The bank engages in ongoing anti-fraud campaigns and employee training to enhance awareness and provide professional services that strengthen financial security for customers [2] - The successful prevention of the scam reflects the bank's "customer first" service philosophy, demonstrating its commitment to protecting customers' financial interests [2]

Market Overview - Most large-cap stocks experienced declines, with HSBC Holdings closing at HKD 103.043, up 2.63% from the previous close, while Tencent Holdings closed at HKD 585.875, down 0.70% [1][2] Stock Performance Summary - Tencent Holdings (00700) latest price: HKD 590.000, change: +HKD 4.000 (+0.68%), ADR price: HKD 585.875, decline: -HKD 4.125 (-0.70%) [2] - Alibaba Group (09988) latest price: HKD 121.800, change: -HKD 1.900 (-1.54%), ADR price: HKD 119.737, decline: -HKD 2.063 (-1.69%) [2] - HSBC Holdings (00005) latest price: HKD 100.400, change: -HKD 0.315 (-0.31%), ADR price: HKD 103.043, increase: +HKD 2.643 (+2.63%) [2] - AIA Group (01299) latest price: HKD 76.900, change: +HKD 0.500 (+0.65%), ADR price: HKD 76.338, decline: -HKD 0.562 (-0.73%) [2] - Meituan (03690) latest price: HKD 124.400, change: +HKD 0.100 (+0.08%), ADR price: HKD 121.813, decline: -HKD 2.587 (-2.08%) [2] - NetEase (099999) latest price: HKD 207.800, change: -HKD 7.600 (-3.53%), ADR price: HKD 203.157, decline: -HKD 4.643 (-2.23%) [2] - Hong Kong Exchanges and Clearing (00388) latest price: HKD 439.200, change: -HKD 0.600 (-0.14%), ADR price: HKD 435.548, decline: -HKD 3.652 (-0.83%) [2] - Ping An Insurance (02318) latest price: HKD 57.900, change: +HKD 1.100 (+1.94%), ADR price: HKD 57.146, decline: -HKD 0.754 (-1.30%) [2] - JD.com (09618) latest price: HKD 125.100, change: -HKD 2.300 (-1.81%), ADR price: HKD 123.693, decline: -HKD 1.407 (-1.13%) [2] - Kuaishou Technology (01024) latest price: HKD 75.200, change: +HKD 0.250 (+0.33%), ADR price: HKD 74.811, decline: -HKD 0.389 (-0.52%) [2]

中国银行 中国银行关于落实个人消费贷款财政贴息工作的公告 为深入贯彻落实党中央、国务院决策部署，助力扩内需促消费，中国银行将全力落实并严格执行《关于 印发<个人消费贷款财政贴息政策实施方案>的通知》（财金〔2025〕80号），确保财政贴息的政策红 利直达广大消费者，为激发消费潜力贡献金融力量。 我行将遵循市场化、法治化原则，于2025年9月1日开始，针对符合政策条件的个人消费贷款开展财政贴 息工作。后续将通过中国银行官微、官网、营业网点等渠道公布办理流程等实施细则，敬请关注。 中国建设银行 中国建设银行关于个人消费贷款财政贴息工作的公告 为落实党中央、国务院决策部署，进一步支持提振和扩大消费，激发消费潜力，提升市场活力，降低居 民消费信贷成本，我行积极响应并严格执行《关于印发<个人消费贷款财政贴息政策实施方案>的通 知》（财金〔2025〕80号），有序开展个人消费贷款贴息相关工作。自2025年9月1日起，对符合上述通 知要求的客户进行贴息。 日前，财政部、中国人民银行、金融监管总局印发《个人消费贷款财政贴息政策实施方案》。8月12 日、8月13日，多家银行发布公告，落实个人消费贷款财政贴息相关工作。（此前报道 ...

Group 1 - The core index, the China Securities Hong Kong Mainland Stock 50 Index, experienced a decline of 0.26% to 3002.62 points, with a trading volume of 103.38 billion yuan on August 14 [1] - Over the past month, the index has increased by 5.59%, by 7.99% over the last three months, and has risen by 24.33% year-to-date [1] - The index is designed to reflect the overall performance of Chinese concept securities listed on global exchanges, with a base date of December 31, 2004, and a base point of 1000.0 [1] Group 2 - The top ten weighted stocks in the index include Tencent Holdings (10.93%), Alibaba-W (9.96%), Xiaomi Group-W (7.11%), and others, with a total market share of these stocks contributing significantly to the index [1] - The index's holdings are entirely composed of stocks listed on the Hong Kong Stock Exchange, indicating a focused investment strategy [1] Group 3 - The industry composition of the index shows that consumer discretionary accounts for 31.60%, communication services for 21.93%, and financials for 21.62%, among other sectors [2] - The index undergoes adjustments every six months, with sample adjustments occurring on the second Friday of June and December, allowing for a maximum sample change of 10% [3] - A buffer zone is established for the index adjustments, prioritizing new samples ranked in the top 40 and retaining old samples ranked in the top 60 [3]

Group 1 - The core index, the CESHKM, experienced a decline of 0.33%, closing at 6880.32 points with a trading volume of 906.03 billion [1] - Over the past month, the CESHKM index has increased by 4.96%, by 7.28% over the last three months, and has risen by 23.32% year-to-date [1] - The CESHKM index is part of a series of indices that reflect the overall performance of large and mid-cap securities listed in Shanghai, Shenzhen, and Hong Kong, with a base date of December 31, 2004, and a base point of 2000.0 [1] Group 2 - The top ten holdings in the CESHKM index include Tencent Holdings (11.02%), Alibaba-W (10.05%), Xiaomi Group-W (7.86%), and others, indicating a concentration in major tech and financial firms [1] - The index is fully composed of stocks listed on the Hong Kong Stock Exchange, with the largest sector being consumer discretionary at 30.46%, followed by communication services at 23.17% and financials at 21.98% [2] - The industry breakdown of the CESHKM index shows a diverse allocation, with technology at 10.63%, energy at 5.98%, and healthcare at 3.08%, among others [2]