贷款中介冒用金融机构名义揽客，银行开始反击了。近日，深圳多家银行公开"打假"一家贷款中介一事在业内引发热议。中国银行、农业银行、邮储银行、 中信银行、平安银行等多家银行的深圳分行陆续发布声明，与一家名为鑫心惠邻（深圳）咨询服务有限公司（以下简称"鑫心惠邻"）的贷款中介撇清关系， 均强调与该贷款中介无合作关系，提醒消费者警惕虚假宣传套路。 7月17日，针对这一情况，鑫心惠邻方面回应北京商报记者表示，公司成立初期，没有经过银行授权许可，在店内贴有24家主流银行Logo，6月经各大银行 和相关部门提醒后，目前已完成全面整改。 20家银行"打假"贷款中介 经北京商报记者统计，截至7月17日18时，就鑫心惠邻发表声明的银行数量达到20家。 结合各家银行发布的声明可以了解到，鑫心惠邻在相关门店、附近小区电梯广告位及其互联网公众号打出"降息优化""降息提额""携手××银行"等宣传广告， 通过"社区融资""降息优化"等虚假广告，声称多家银行为其战略合作伙伴，并在宣传中公然标注多家"合作"银行名称及Logo。 相关银行声明中，均提到了两个重点：一是银行与"鑫心惠邻"这家公司及其关联公司不存在任何形式的合作关系；二是在贷款办理的 ...

Core Viewpoint - Recent statements from multiple banks in Shenzhen clarify that they have no cooperation with illegal loan intermediaries, specifically naming Xin Xin Hui Lin as a problematic entity, amid intensified regulatory actions against financial "black and gray industries" [1][3][6]. Group 1: Bank Statements and Regulatory Actions - Approximately 15 banks, including major institutions like Bank of China and Agricultural Bank of China, issued statements denying any collaboration with illegal intermediaries [3][6]. - The collective statements from banks are closely linked to ongoing regulatory efforts to combat financial "black and gray industries," with a focus on illegal loan intermediaries and debt evasion [7][9]. - Regulatory bodies have intensified their crackdown on illegal financial practices, with specific actions targeting loan intermediaries, insurance fraud, and improper debt collection [7][9]. Group 2: Issues with Xin Xin Hui Lin - Xin Xin Hui Lin has been accused of misleading advertising, claiming to lower loan interest rates from 4.5% to 2.5%, which raises concerns about exaggerated marketing tactics [1][11]. - The company has been reported to use aggressive marketing strategies, including misleading advertisements in community areas, to create a false impression of partnerships with banks [11][13]. - Despite its claims of cooperation with several major banks, Xin Xin Hui Lin's assertions have been contradicted by the banks' public denials [13][14]. Group 3: Emerging Trends in the Loan Intermediary Market - New trends in the loan intermediary market include the use of deceptive marketing practices, such as false claims of bank partnerships and exaggerated loan benefits [15][16]. - There is a notable increase in "high appraisal, high loan" operations, where intermediaries artificially inflate property valuations to secure larger loans for clients [16][17]. - This practice has created a complete industry chain, allowing clients to obtain loans significantly exceeding the actual property value, leading to potential financial risks [16][17].

沪指7月17日上涨0.37%，申万所属行业中，今日上涨的有25个，涨幅居前的行业为国防军工、通信， 涨幅分别为2.74%、2.41%。跌幅居前的行业为银行、交通运输，跌幅分别为0.42%、0.39%。银行行业 位居今日跌幅榜首位。 资金面上看，两市主力资金全天净流入116.62亿元，今日有15个行业主力资金净流入，计算机行业主力 资金净流入规模居首，该行业今日上涨1.33%，全天净流入资金52.02亿元，其次是电子行业，日涨幅为 2.18%，净流入资金为44.55亿元。 （文章来源：证券时报网） | 代码 | 简称 | 今日涨跌幅（%） | 今日换手率（%） | 主力资金流量（万元） | | --- | --- | --- | --- | --- | | 601288 | 农业银行 | -0.49 | 0.13 | -10673.12 | | 600919 | 江苏银行 | 0.17 | 0.52 | -9684.30 | | 002142 | 宁波银行 | -0.30 | 0.28 | -8155.28 | | 601665 | 齐鲁银行 | -0.49 | 1.68 | -7482.44 | | 6016 ...

宁夏风能光能富集，承担着国家首个新能源综合示范区建设重任。宁夏分行把支持清洁能源产业作为助 力地方经济高质量发展的重要抓手，聚焦风、光、水、氢等新能源重点领域，助力清洁能源产业做大做 强做优，支持黄河、贺兰山、六盘山、罗山"一河三山"生态保护修复。截至今年6月末，该行已投放清 洁能源重点项目贷款9.8亿元。 围绕"走特色化、差异化的产业发展路子"要求，宁夏近年来着力发展葡萄酒、枸杞、牛奶、肉牛、滩 羊、冷凉蔬菜等"六特"产业，经过精耕细作、持续发展，一批"宁字号"农产品不断"出海"。宁夏枸杞越 来越受到国际市场的欢迎，当地从事枸杞国际贸易的企业不断增加，企业控制汇率风险的诉求也因此变 得越来越强。在枸杞特产县中宁县，宁夏中宁支行积极协助吉草汉方（宁夏）农业发展有限公司与马来 西亚客商达成人民币结算协议，以规避汇率风险。 近年来，宁夏分行综合运用跨境人民币结算、贸易融资、跨境联动融资等产品，服务宁夏开放型经济发 展。截至今年6月末，该行国际结算量、跨境人民币结算量同比分别增长18.3％、54.7％。 转自：新华财经 黄河穿宁夏而过。在宁夏青铜峡，牛首山抽水蓄能电站工程正在紧张施工，这是以黄河水为水源的抽水 蓄能 ...

随着监管持续加码，银行也同步收紧中介合作，部分机构已全面叫停相关业务。 近日，深圳10余家银行密集发布声明，集体澄清与不法贷款中介无任何合作，并罕见点名贷款中介"鑫心惠邻"。记者调查发现，该中介目前还在营业中，此 前曾以"降息优化""携手XX银行"等话术揽客，甚至宣称可将贷款年化利率从4.5%降至2.5%，但实际存在夸大宣传的嫌疑。 此次银行集中发声，正值监管部门重拳打击金融"黑灰产"之际。今年以来，公安部和金融监管总局联合开展专项行动，重点整治非法贷款中介、恶意逃废债 等乱象。业内人士透露，助贷行业长期存在假冒合作、夸大营销、伪造资质等乱象，部分中介甚至通过虚高房产评估价套取"超贷"，或协助客户包装虚假经 营资质骗取低息经营贷。随着监管持续加码，银行也同步收紧中介合作，部分机构已全面叫停相关业务。 多家银行罕见点名贷款中介 近日，中国银行、农业银行、邮储银行、中信银行、招商银行、平安银行等约15家银行深圳分行密集发布声明，称未与不法中介合作。 记者梳理发现，这些银行的声明内容主要聚焦于澄清与中介机构的关系，并警示消费者警惕假冒银行合作方的中介机构，强调办理贷款业务应通过银行官方 渠道。 其中，多家银行罕见" ...

Core Viewpoint - Agricultural Bank of China Guizhou Branch actively implements the "Finance for the People" concept by utilizing the national small and micro enterprise fund flow credit information sharing platform to enhance financing services for small and micro enterprises, effectively addressing their financing challenges [1][4]. Summary by Sections Financing Support and Achievements - As of early July 2025, the bank has issued loans totaling 450 million yuan to 139 enterprises through the fund flow credit information sharing platform, including 86 pure credit loans amounting to 160 million yuan and 8 first-time borrowers receiving 30 million yuan [1]. Implementation Strategies - **Organizational Leadership**: A promotion leadership group was established to coordinate efforts, with specific phased goals set for platform usage, aiming for a 10% query volume increase by 2025 [4]. - **Focus on Inclusive Finance**: The bank emphasizes support for first-time borrowers and has set specific indicators in its evaluation scheme to encourage the expansion of credit for "credit white households" [4]. - **Utilization of Unique Products**: The bank leverages its "Electricity Bill Loan" product to validate the authenticity of business operations, thus creating new financing channels for quality small and micro enterprises lacking collateral [4]. Training and Capacity Building - Internal training sessions are organized, and operational manuals are distributed to ensure staff are well-equipped to utilize the platform effectively [5]. Case Studies - A Guizhou agricultural company, established in February 2023, received a 2 million yuan "Electricity Bill Loan" after the bank analyzed its payment history, resolving its financing issues [8]. - A mining company, established in June 2003, was granted a 10 million yuan pure credit loan after the bank utilized the platform to assess its repayment capacity, addressing its cash flow challenges [8]. Insights and Implications - The fund flow information platform enhances enterprise credit by providing a comprehensive view of financial activities, thus creating a reliable credit profile for "credit white households" [10]. - It effectively breaks down information barriers, improving the quality and efficiency of financial services for small and micro enterprises by transforming dispersed transactions into assessable credit assets [10]. - The approach shifts the focus of inclusive finance from "heavy collateral" to "heavy credit," injecting financial vitality into the high-quality development of small and micro enterprises [10].

Core Insights - The financial sector is actively supporting the lychee industry in Maoming, Guangdong, to ensure farmers benefit from the abundant harvest while mitigating price drops due to oversupply [1][2][3][4][5][6][7][8][9][10] Group 1: Financial Support for Lychee Procurement - Financial institutions in Maoming have introduced over 50 credit products to facilitate lychee procurement, easing the funding pressure for farmers and traders during the peak harvest season [2] - A case study of a lychee trader highlights how quick access to a 300,000 yuan loan from a local bank enabled increased procurement capacity, demonstrating the critical role of timely financial intervention [2] Group 2: Financial Empowerment for Deep Processing - The lychee industry faces challenges due to its seasonal nature, prompting efforts to develop deep processing capabilities to extend the product's market availability [3] - A leading processing company received 40.2 million yuan in loans to upgrade its production line, allowing it to produce approximately 1 million cans of lychee annually, thus enhancing value addition [3] Group 3: Cold Chain Logistics and Export - The development of cold chain logistics has significantly improved the export capabilities of Maoming's lychee, with a notable company exporting over 1,500 tons annually [4][5] - Financial support from local banks has enabled the implementation of innovative technologies, such as the "frozen lychee" technique, which enhances product preservation and market reach [5] Group 4: Market Expansion through E-commerce - The rise of e-commerce has transformed the sales landscape for Maoming lychees, with local banks providing flexible loans to support new farmers entering the digital sales space [6][7] - Initiatives like "Ten Thousand E-commerce Selling Lychees" have been launched to promote digital sales, enhancing the market presence of Maoming lychees [7] Group 5: Integration of Financial Services and Tourism - A unique service area along the highway has been established to promote lychee culture and provide financial services, integrating agriculture with tourism [8] - The initiative includes various promotional activities and financial products tailored to support local farmers and enhance consumer engagement [8] Group 6: Investment in High-Quality Varieties - The introduction of high-end lychee varieties, such as "Ice Lychee," is being supported by financial institutions through targeted loans for research and development [9][10] - A local agricultural company successfully secured 3 million yuan to enhance its cultivation techniques, contributing to the diversification and quality improvement of lychee production [10]

记者丨 黄子潇 编辑丨孙超逸 截至发稿，已有建设银行、工商银行、中国银行、农业银行、交通银行、邮储银行、招商银 行、平安银行、华夏银行、中信银行、浦发银行、渤海银行、广发银行、北京银行、上海银 行、广州银行、华润银行、华兴银行的深圳分行，以及深圳农商银行等 19家银行 发布了相关 声明。 7月15日，南方财经记者注意到， 深圳超15家银行密集发布声明，称某贷款中介机构假冒合作 方揽客。 其中，多家银行直接点名 该贷款中介为鑫心惠邻（深圳）咨询服务有限公司 ，表示该涉事机 构在相关门店、附近小区电梯广告位打出"降息优化""携手XX 银行"等宣传广告，并声称多家 银行为其战略合作伙伴，扰乱金融秩序。 值得注意的是，7月15日和16日，鑫心惠邻在公众号上两次发布推文回应，表示6月份因为"不 严谨"占用了公共资源，张贴了银行标签，该公司已经全面整改，并强调没有和任何金融机构 有合作。 不过这一说法与多家银行公告中"冒充银行合作机构"的声明存在矛盾。 南方财经记者获悉，相关部门已介入调查。 企查查显示，鑫心惠邻（深圳）咨询服务有限公司成立于2024年11月，注册资本1000万元， 注册地址位于龙华区，经营范围包括融资咨 ...

Core Viewpoint - Shenzhen banks have collectively issued statements targeting the misconduct of loan intermediaries, specifically addressing the actions of a consulting service agency named Xin Xin Hui Lin [1][5][17]. Group 1: Bank Responses - Nearly 20 banks in Shenzhen, including major institutions like Bank of China and Agricultural Bank of China, have released statements disavowing any partnership with the intermediary Xin Xin Hui Lin [1][5]. - The Bank of China emphasized that it does not charge intermediary fees or any related costs in its loan business [3]. - Postal Savings Bank of China highlighted that some intermediaries are using false advertisements to claim partnerships with banks, urging the public to be cautious of misleading loan offers [5][7]. Group 2: Intermediary Misconduct - Xin Xin Hui Lin has been accused of falsely advertising itself as a bridge between banks and communities, claiming to improve loan approval rates while charging various fees [7][9]. - The agency reportedly displayed logos of over 20 banks, misleading customers into believing it had strategic partnerships with these institutions [9][12]. - The actual control of Xin Xin Hui Lin is held by Gui Yaolin, who has registered multiple companies under the "Hui Lin" name, indicating a potential pattern of misconduct [12][14]. Group 3: Regulatory Response - The collective statements from banks were reportedly made in response to requests from Shenzhen's financial regulatory authorities, aiming to protect consumer rights and clarify the situation [5][7]. - The intermediary acknowledged its mistakes in using bank logos and stated it has undertaken corrective measures, asserting that it does not have any partnerships with financial institutions [17].

7月15日，南方财经记者注意到，深圳超15家银行密集发布声明，称某贷款中介机构假冒合作方揽客。 其中，多家银行直接点名该贷款中介为鑫心惠邻（深圳）咨询服务有限公司，表示该涉事机构在相关门店、附近小区电梯广告 位打出"降息优化""携手XX 银行"等宣传广告，并声称多家银行为其战略合作伙伴，扰乱金融秩序。 截至发稿，已有建设银行、工商银行、中国银行、农业银行、交通银行、邮储银行、招商银行、平安银行、华夏银行、中信银 行、浦发银行、渤海银行、广发银行、北京银行、上海银行、广州银行、华润银行、华兴银行的深圳分行，以及深圳农商银行 等19家银行发布了相关声明。 南方财经记者获悉，相关部门已介入调查。 值得注意的是，7月15日和16日，鑫心惠邻在公众号上两次发布推文回应，表示6月份因为"不严谨"占用了公共资源，张贴了银 行标签，该公司已经全面整改，并强调没有和任何金融机构有合作。不过这一说法与多家银行公告中"冒充银行合作机构"的声 明存在矛盾。 企查查显示，鑫心惠邻（深圳）咨询服务有限公司成立于2024年11月，注册资本1000万元，注册地址位于龙华区，经营范围包 括融资咨询服务、信息咨询服务、财务咨询、社会经济咨询服务 ...