Group 1 - The core viewpoint emphasizes the urgent need for financial institutions to support technology startups due to high innovation costs, significant investments, and a lack of collateral [1][2] - The People's Bank of China and seven other departments have launched a work plan to enhance financial services for technology firms, focusing on early, small, long-term, and hard technology investments [2][5] - Financial institutions are innovating new service models to support early-stage technology companies, with commercial banks increasingly willing to provide loans to startups [2][3] Group 2 - The "Technical Flow" credit evaluation system by Industrial Bank has successfully provided loans totaling nearly 850 billion yuan to over 15,000 enterprises, addressing funding needs during critical phases of development [3][7] - Beijing Zhongguancun Bank has introduced the "Hui Chuang Loan" product, which assesses credit based on talent evaluation, including educational background and technical capabilities [4][6] - The government has emphasized the importance of supporting early-stage technology firms, leading to the establishment of a financial support system that integrates equity investment and loan mechanisms [5][6] Group 3 - Banks are actively exploring new models of investment-loan linkage to broaden financing channels and meet diverse financial needs of technology companies [6][7] - The Industrial Bank has partnered with external financial resources to create a 20 billion yuan industry cluster fund targeting key sectors such as electronic information and biomedicine [7][8] - Construction Bank is building a technology financial ecosystem by connecting various stakeholders, providing comprehensive services that include financial support, incubation, and industry guidance [8]

做好科技金融大文章是加快建设金融强国、培育高质量发展新动能的题中应有之义。地方金融管理 部门与地方金融机构如何将相关工作做实做细，将这篇大文章中的每一笔落到实处？ 为解决科技创新类中小企业缺少有效抵质押物的难题，人民银行株洲市分行推动建立了科创企业融 资担保机制，加大银政担合作力度。在机制指引下，湖南银行与株洲高科园创企业管理服务有限公司、 株洲市融资担保有限公司合作，审批通过42家企业知识价值信用贷款，总备案金额1.7亿元。 "科技金融是一项系统工程，我们要以创新精神破解其发展难题。为此，我们引导银行机构主动研 究市场，精准匹配科创企业融资需求，为其发展打造优质、高效的金融服务环境。"人民银行株洲市分 行相关负责人告诉《金融时报》记者，该行通过"建机制、促对接、优服务"，切实做好科技金融大文 章，引导银行机构持续加大科技信贷投放力度，推动科创与金融"双向奔赴"。 做"精"资金支持 "没想到'专利'也能成为我们融资的加分项。"湖南力合厚浦科技有限公司总经理兴奋地说。该公司 主要从事新能源锂电池正极材料前驱体的研发、生产和销售，是湖南省级专精特新"小巨人"企业。随着 业务规模不断扩大及技改项目持续推进，公司急需 ...

近日，建行上海市分行与上海数据交易所（以下简称"上海数交所"）合作，依托上海数交所"数易 贷"开展数据资产金融创新，为维智科技提供3000万元授信。这是目前授信金额最高的"数易贷"，帮助 数据要素型企业拓宽融资渠道、提高资产使用率，为更多"轻资产、重数据"的企业利用数据资产进行融 资提供了可借鉴的经验。 对于金融机构和企业而言，数据资产融资既是机遇，也是挑战。王建平表示，数据资产融资面临确 权难、估值难、托管难、处置难等难题。在确权方面，数据资产融资需要明确资产权属，但数据的易复 制性和多主体参与性使确权困难，当前政策和法律仍需进一步明确数据资产的持有权、使用权和经营 权。估值方面，数据资产的价值因应用场景而异，现有的估值方法不够成熟，难以全面反映数据资产的 市场价值。托管方面，数据资产托管需要安全的基础设施和完善的制度保障，以确保资产的安全与合 规，防止重复融资和数据滥用。处置方面，数据资产价值波动大，变现难度高，受市场、法律和数据特 性限制，确权难、估值难和处置机制不健全都加大了处置难度。 维智科技是国内领先的时空人工智能产业赋能平台。据维智科技市场总监韩萍萍介绍，今年上半 年，该企业的多个行业产品完成数 ...

Group 1: Background of Banks Focusing on Corporate Clients - The rise of industrial digitalization presents opportunities for banks to overcome challenges in traditional supply chain finance, enabling better access to real-time and reliable data [1] - The integration of big data, AI, and IoT technologies allows banks to identify potential risks and monitor new types of collateral in real-time, facilitating a shift towards a more intelligent supply chain finance model [1] Group 2: Promoting High-Quality Development of Inclusive Finance - Despite efforts to advance inclusive finance, banks face challenges in serving the diverse needs of small and micro enterprises, leading to incomplete and uneven service [2] - By leveraging financial technology, banks can better understand enterprise operations and provide comprehensive "financial + non-financial" services, enhancing customer satisfaction and loyalty [2] Group 3: Implementing the Five Key Financial Areas - The central financial work conference outlines five key areas for banks: technology finance, green finance, inclusive finance, pension finance, and digital finance, guiding future development [3] - Engaging in corporate scene finance can help banks address challenges such as talent shortages and information asymmetry, enabling them to provide tailored financial products and services [3] Group 4: Development Strategies for Corporate Scene Finance - Banks need to carefully select corporate finance scenes based on their resources and strategic goals, integrating these into their overall development plans [4] - Establishing industry selection principles and internal organizational structures is crucial for the sustainable development of scene finance [4] Group 5: Intelligent Transformation of Supply Chain Finance - Banks are adopting advanced technologies like big data, AI, and IoT to upgrade supply chain finance, enhancing data integration and creating intelligent systems [5] - The goal is to develop automated business models that can be applied in specific scenes, thereby deepening the supply chain finance landscape [5] Group 6: Empowering Merchant Operations - Banks are providing differentiated operational tools such as IaaS, PaaS, and SaaS to support the digital transformation of merchants and small enterprises [6] - By exploring new technologies like IoT and blockchain, banks aim to offer comprehensive solutions that reduce costs and improve operational efficiency [6] Group 7: Comprehensive "Financial + Non-Financial" Service Orientation - Banks are increasingly offering integrated "financial + non-financial" services to meet diverse customer needs, leveraging high-frequency non-financial scenarios to drive financial engagement [7] - Collaborations with various industries help create unique service offerings, enhancing customer experience and satisfaction [7][8] Group 8: Innovative Practices in Corporate Scene Finance - The digital supply chain finance sector is undergoing transformation, with banks like Ping An leveraging IoT and satellite technology to create a new supply chain finance model [9] - This model addresses financing challenges for small and micro enterprises by reducing reliance on core enterprise credit [9] Group 9: Innovations in Smart Agriculture - In the context of rural revitalization, banks are focusing on the livestock industry, utilizing IoT and AI to create innovative financial models that address the lack of traditional collateral [10] - New products like "Smart Livestock Loans" and advanced risk control technologies are being developed to support this sector [10] Group 10: Innovations in Smart Canteens - Banks are innovating in the smart canteen sector to enhance customer engagement and operational efficiency, employing technologies like facial recognition and AI for seamless service [11] - Collaborations with companies like Meituan are aimed at improving dining experiences while driving financial demand [11] Group 11: Innovations in Smart Parks - Smart parks are becoming a focal point for banks, leveraging technologies like big data and cloud computing to provide diverse services and enhance user experience [12] - The development of a smart park management system allows banks to analyze data and improve operational efficiency [12]

2025年中央一号文件明确提出推广畜禽活体抵押融资贷款，将畜禽活体农业生产核心转化为金融机 构认可的抵押标的，为推动地方特色养殖产业发展带来全新机遇。宁夏吴忠市地处国际公认的"黄金奶 源带"，现已形成利通区五里坡、吴忠国家农业科技园区、青铜峡市牛首山三大奶牛养殖核心区，奶牛 存栏量30.8万头，占宁夏奶牛存栏量的33%，规模化养殖率达到98%以上，饲草种植、奶牛养殖、乳品 加工、冷链物流、印刷包装等上下游贯通的全产业链综合产值超过300亿元，占地区生产总值的32%左 右，奶产业已发展成为吴忠市"六大"农业重点特色产业之一。 近年来，中国人民银行吴忠市分行坚持聚焦乡村振兴金融服务提升目标，积极探索拓宽农村抵质押 物范围，推动盘活农村活体资产，为乡村振兴特色产业发展破解融资难题。目前，吴忠市开展活体抵押 贷款的银行机构已增至10家，活体抵押贷款余额达到7亿元，支持养殖主体110户，其中奶牛活体抵押贷 款余额6.2亿元。 政策赋能，破解活体抵押困局。随着农业产业现代化步伐加快，吴忠市养殖主体在规模化养殖、智 能化升级、技术研发等领域的资金需求持续扩大。但在传统金融模式下，养殖主体往往缺乏符合标准的 固定资产抵押物， ...

近日，华北部分地区连降暴雨。北京市自7月24日起连续出现强降雨，尤其是北部的密云、平谷、 怀柔、延庆等区短时雨强和累计雨量大，部分地区出现大暴雨，局地特大暴雨，造成人员伤亡和财产损 失。 7月28日，北京市防汛指挥部启动全市防汛一级应急响应。据悉，截至7月28日24时，北京全市平均 降水量165.9毫米，最大降水量543.4毫米，达到特大暴雨级别，这一数字已接近北京市600毫米左右的平 均年降水量。 人民至上，生命至上。党中央、国务院高度重视，迅速指导开展一系列应急响应和防汛救灾工作。 闻"汛"而动，在金融管理部门指导下，受灾地区银行保险机构第一时间启动应急响应，迅速开展防汛救 灾工作，全力确保金融服务畅通，筑牢保障人民群众生命财产安全的"金融防线"。 紧急驰援 为受灾群众送去暖心服务 "百余名游客被困超过48小时，通信设备电量告急。" 7月26日晚，北京怀柔区部分地区遭遇暴雨袭击，强降雨引发洪水和山体滑坡，多个村庄受灾，尤 其是琉璃庙镇多个村庄出现断电断路断通信的情况，灾害导致琉璃庙地区不少游客被困。紧急时刻，工 商银行北京怀柔支行接到了区文旅局的求助，恳请工行协助调配充电宝等应急物资，保障被困游客基本 通 ...

本报记者 冷翠华 一组看似矛盾的数据刚刚出炉——根据上市险企和上市银行2024年年报，去年上市险企银保收入大 多同比上涨，而上市银行代销收入却普遍同比下降，部分银行保险代销收入甚至呈现同比锐减。 业内人士认为，上述看似矛盾的数据背后，是"报行合一"政策的落地实施，以及银保业务的转型发 展。未来，银保渠道仍将是保险业非常重要的渠道，"价值银保"是险企要着力推进的重点工作之一。 具体来看，农业银行去年实现手续费及佣金净收入755.67亿元，较2023年减少45.26亿元，下降 5.7%。其中代理业务收入下降20.6%，主要是代理保险相关手续费收入减少；建设银行2024年年报显 示，手续费及佣金收入中，代理业务手续费收入144.12亿元，较2023年减少44.82亿元，降幅23.72%， 主要受保险、基金等降费政策影响；此外，招商银行去年实现代理保险保费1172.25亿元，同比增长 21.07%，不过，其代理保险收入64.25亿元，同比下降52.71%；平安银行2024年代理及委托手续费收入 54.34亿元，同比下降29.4%，主要是代理个人保险收入下降。 普华永道管理咨询（上海）有限公司中国金融行业管理咨询合伙人 ...

"为进一步提升金融服务质量与效率，满足您多样化的业务办理需求，我行决定辖内各网点恢复365 天无休服务。"近期，深圳福田银座村镇银行将其营业时间调整为：周一至周五早8点半至晚5点半，周 六、周日及法定节假日早9点至晚4点。 像深圳福田银座村镇银行这样，不区分对公零售业务、不区分节假日的全年无休网点服务模式目前 在全国范围内并不多见。专家表示，此举在一定程度上反映出面对激烈的市场竞争，银行努力探索差异 化服务。在低利率市场环境下，银行为比拼综合服务不断变革。未来，银行将更加注重场景与生态建 设，将在构建特色支行或特色网点的道路上加快步伐。 银行网点休息制度各异 多数银行采取周末网点轮休或节假日网点轮休制度。例如，徽商银行北京分行表示，2025年4月1日 至2025年11月30日，对辖内各营业网点实施周末轮休制度。徽商银行北京望京支行、中关村支行等在周 六轮休，周日正常营业。徽商银行北京大红门支行、常营支行等在周六正常营业，周日轮休。而在法定 节假日前后，如遇周六或周日调整为正常上班，则网点当天不轮休。国债发行日（首日），网点不轮 休。 2025年端午节假期期间，光大银行北京分行辖内网点及社区支行轮流营业1-2天 ...

采用孰高原则 近期，建设银行、中信银行等银行纷纷上调代销的部分公募基金产品风险等级，农业银行发布代销 公募基金产品风险等级评价及动态评估规则的公告。 业内人士表示，银行此举主要是为了落实《商业银行代理销售业务管理办法》要求，对代销公募基 金产品风险等级从严评定，即按照风险孰高原则确定最终评级结果。随着《代理销售办法》正式实施日 期（10月1日）逐渐临近，基金销售适当性管理中的问题，如基金产品风险等级难以精准匹配客户真实 风险承受能力、部分银行在代销基金产品准入环节过度依赖第三方机构评估等，有望得到改善。 代销基金风险评级趋严 5月30日，建设银行发布关于调整部分代销公募基金产品风险等级的公告。建设银行表示，根据 《证券期货投资者适当性管理办法》《基金募集机构投资者适当性管理实施指引（试行）》等规定，为 切实履行适当性义务，保护投资者权益，该行遵循产品风险等级评定孰高原则，近期调整了部分代销公 募基金产品风险等级，包括将4只基金的风险级别由R3上调至R4。 这已是建设银行今年以来第二次发布调整部分代销公募基金产品风险等级的公告。今年2月该行发 布公告称，已对21只代销公募基金产品风险等级进行上调。 5月23日， ...

Core Viewpoint - The issuance of "Tier 2 perpetual bonds" (二永债) has become a crucial tool for capital replenishment in China's banking sector, with a total issuance exceeding 890 billion yuan as of July 25 this year, driven by the need to maintain stable operations and support the real economy [1][2]. Group 1: Issuance Trends - As of July 25, 2023, Chinese commercial banks have issued a total of over 890 billion yuan in "Tier 2 perpetual bonds" [1]. - The issuance of "Tier 2 perpetual bonds" by large state-owned commercial banks has accelerated, with a significant increase of 260.82% in the second quarter compared to the previous quarter [1]. - Agricultural Bank successfully issued 60 billion yuan in Tier 2 capital bonds on July 22, while China Construction Bank completed a 40 billion yuan issuance of perpetual bonds on May 19 [1]. Group 2: Interest Rate Trends - The average interest rates for "Tier 2 perpetual bonds" have shown a downward trend, with rates of 2.25% for Tier 2 capital bonds and 2.31% for perpetual bonds in the second quarter, further declining from the first quarter [1]. Group 3: Capital Adequacy and Needs - Regulatory requirements for capital adequacy have become stricter following the implementation of Basel III, necessitating banks to enhance their capital levels to meet compliance and risk management needs [2]. - The capital adequacy ratio for commercial banks (excluding foreign bank branches) was 15.28% as of the end of the first quarter, with the core tier 1 capital adequacy ratio at 10.7% [2]. - Smaller banks face narrower capital replenishment channels, with urban commercial banks and rural commercial banks having capital adequacy ratios of 12.44% and 12.96%, respectively, significantly lower than the averages for large commercial banks (17.79%) and joint-stock commercial banks (13.71%) [2]. Group 4: Future Outlook - The issuance of "Tier 2 perpetual bonds" is expected to remain high in the second half of the year, although growth rates may fluctuate due to market conditions and the pace of capital replenishment [3]. - The Central Financial Work Conference has proposed to broaden the channels for bank capital replenishment, including extending the use period of special local government bonds and optimizing shareholder qualification conditions to support smaller banks [3].