新华社北京8月14日电 题：增供给、降成本！金融发力破解民营、小微企业融资难题 新华社记者吴雨 支持民营、小微企业发展是金融服务实体经济的内在要求。 "十四五"期间，金融体系从政策引导、资金支持、能力建设等方面入手，持续健全金融支持体制机 制，不断提升企业融资可得性、普惠性和便利度，近5年普惠小微贷款年均增速超过20%。 增供给 提升融资可得性 "近期工行发放的300万元纯信用贷款，帮我们解决了下半年扩大生产的资金问题。"云南瑞峰源农 牧科技有限公司总经理王红伟告诉记者，这几年银行推出不少信用贷款产品，为缺乏合适抵押物的企业 解了燃眉之急。 "十四五"期间，金融管理部门积极引导银行创新举措，更好帮助企业解决缺抵押、融资难的问题。 我国普惠小微贷款余额已经从2020年末的15.1万亿元，增长至2025年6月末的35.6万亿元，信用贷款占比 近三成。今年5月末，私人控股企业贷款余额增至约45万亿元。 越来越多企业获得融资支持，离不开政策引导。 针对普惠小微企业出台的两项直达工具完成接续转换，金融支持民营经济25条举措落实见效，适时 增加支农支小再贷款额度，支持小微企业融资协调工作机制持续发力……近年来，一系列金融 ...

近日，工商银行发布公告称，根据金融监督管理部门对存量理财产品的整改要求，根据中国工商银行"工银同利"系列随心E人民币理财产品（代码： TLSXE01）产品说明书的约定，该行计划于2025年8月14日17:00起停止该产品申购，2025年8月20日终止该产品，客户本金及收益将于终止日后2个工作日内 到账，终止日至资金实际到账日期间不计息。 | | 1、理财产品概况 | | --- | --- | | 产品名称 | "工银同利"系列随心E人民币理财产品 | | 产品代码 | TLSXE01 | | 销售币种 | 人民币 | | 产品托管人 | 工商银行广东省分行营业部 o state and and | （工商银行） ...

Core Viewpoint - The Shanxi Provincial Finance Department held a meeting to recognize outstanding underwriting institutions for government bonds in 2024, emphasizing the importance of financial support for the local economy and the need for enhanced collaboration between finance and fiscal sectors [1][2]. Group 1: Meeting Highlights - The meeting included participation from 10 banks and 6 securities companies, which were awarded for their contributions to the bond issuance process [1]. - The Finance Department expressed gratitude to the institutions for their efforts in supporting Shanxi's fiscal initiatives and the broader economy [1]. Group 2: Key Requirements - The first requirement is to enhance the market-oriented level of bond issuance, encouraging healthy competition in the primary market and expanding trading scenarios in the secondary market [1]. - The second requirement focuses on deepening cooperation, utilizing local bonds as a bridge to foster collaboration between fiscal and financial sectors, and optimizing service levels [2]. - The third requirement aims to promote investment and stabilize growth through effective financial services and support for key transformation projects, contributing to the high-quality development of Shanxi [2].

8月12日，财政部、中国人民银行、金融监管总局联合发布关于印发《个人消费贷款财政贴息政 策实施方案》（下称"方案"）的通知，将对符合条件的个人消费贷款予以财政贴息。 方案甫一公布，农业银行、邮储银行、工商银行、中国银行、建设银行、交通银行六大行就火 速响应。 农业银行：自9月1日起对符合要求的个人消费贷款实施贴息 中国农业银行8月12日公告称，将按照市场化、法治化原则，自2025年9月1日起，对符合《关于 印发<个人消费贷款财政贴息政策实施方案>的通知》要求的个人消费贷款实施贴息。后续办理 流程及相关问题解答，将通过中国农业银行官网、微信公众号、手机银行、营业网点、95599等 官方渠道统一发布。 邮储银行：正积极组织开展个人消费贷款与服务业经营主体贷款贴息政策落地实施工 作 邮储银行发布关于个人消费贷款与服务业经营主体贷款财政贴息工作的公告，该行正积极组织 开展个人消费贷款与服务业经营主体贷款贴息政策落地实施工作，扎实推动政策传导落地。 邮储银行表示，该行将认真贯彻落实《关于印发<个人消费贷款财政贴息政策实施方案>的通 知》、《关于印发<服务业经营主体贷款贴息政策实施方案>的通知》精神及相关要求，全力确 保 ...

8月13日，包括交通银行和建设银行在内的多家银行公告称，将依法合规推进个人消费贷款与服务业经营主体贷款贴息工作。部分银行表示，将自9月1日 起，对符合要求的客户进行贴息。 建设银行在公告中表示，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，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9月1日起， 对符合上述通知要求的客户进行贴息。 业经营主体贷款贴息工作的公告 交通银行 2025年08月13日 09:48 上海 ( 20人 尊敬的客户: 为深入贯彻落实党中央、国务院决策部署, 有效降低居民信贷成本和服务业经营主体融 资成本, 充分激发消费潜力、提升市场活 力，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）和《关于印发 <服务业经营主体贷款贴息 ּ政策实施方案> 的通知》（财金〔2025〕81号）精神及相 关要求,依法合规推进个人消费贷款与服务 业经营主体贷款贴息工作。 我行将坚持市场化、法治化原则, ...

当世运的脉搏在成都强劲跳动，来自全球的宾客齐聚这座千年蓉城。在世运村注册中心，方寸柜台之 间，不同语言与笑容交织，一场场超越货币兑换的暖心互动悄然上演，工行人的专业与热忱，正成为这 场国际盛会中一抹独特的亮色。 世运村A区注册中心柜台前，捷克代表团的官员们步履匆匆却神色从容。面对费用缴纳流程，工商银行 工作人员以清晰的指引、高效的操作为他们迅速扫清障碍。语言或许存在藩篱，但真诚的微笑与干练的 业务能力却是最通用的通行证。 柜台内，姑娘们眼神专注，指尖在键盘上轻快跃动；柜台外，捷克官员们的脸上疑虑消散，取而代之的 是赞许的笑意。业务办理完毕，一位官员特意停下脚步，郑重地在留言册上写下心声："感谢登记时的 优质服务，你们这些女孩真的非常友好——捷克团队"质朴的文字，是对工行服务最直接的褒奖。临别 之际，快门轻响，捷克朋友与工行姑娘们肩并肩，笑容定格在小小的柜台前，也定格了一段跨越国界的 服务情谊。 世运村B区的柜台，同样温情洋溢。卢森堡曲棍球项目的随行官员们正在办理业务。面对"超编"人员这 一小小挑战，工商银行工作人员没有丝毫推诿，而是以加倍的热情和灵活的服务，确保流程顺畅无忧。 高效专业的服务赢得了卢森堡来宾的 ...

Group 1: Monetary Policy and Financing - The People's Bank of China reported that the cumulative increase in social financing for the first seven months of 2025 reached 23.99 trillion yuan, which is 5.12 trillion yuan more than the same period last year [1] - As of the end of July 2025, the broad money supply (M2) stood at 329.94 trillion yuan, reflecting a year-on-year growth of 8.8%, while the narrow money supply (M1) was 111.06 trillion yuan, with a year-on-year increase of 5.6% [1] - The net fund injection for the first seven months was 465.1 billion yuan, indicating a moderately loose monetary policy aimed at supporting the real economy [1] Group 2: Consumer Lending and Financial Support - The interest rate for personal consumption loan subsidies has dropped to an annualized rate of 1%, significantly lower than the current commercial bank rates, allowing qualified customers to access loans at rates in the "2" range, effectively reducing borrowing costs [2] - This subsidy policy is expected to alleviate repayment pressure for consumers, thereby boosting confidence and stimulating consumption potential [2] Group 3: Housing Policy - The Tianjin Housing Provident Fund Management Center announced that individuals can now use their housing provident fund to pay the down payment for purchasing existing homes, allowing for a one-time withdrawal of funds prior to the signing of the purchase contract [3] - This policy simplifies the process for homebuyers, reduces transaction costs, and does not affect the normal loan limits for provident fund loans [3] Group 4: Bank Participation in Subsidy Programs - Six major state-owned banks, including ICBC, ABC, Bank of China, CCB, BOCOM, and Postal Savings Bank, have committed to implementing the personal consumption loan subsidy policy starting September 1, 2025 [4] - The initiative aims to enhance consumer spending and support high-quality consumption development through innovative and diverse consumption scenarios [4]

Core Viewpoint - The government has introduced personal consumption loan interest subsidy policies to stimulate consumer spending and support service industry operators, marking the first time central finance has subsidized personal consumption loans [3][4]. Summary by Relevant Sections Personal Consumption Loan Subsidy Policy - The subsidy targets loans used for consumption, including daily expenses under 50,000 yuan and larger purchases like home appliances, cars, and education [4]. - The subsidy rate is set at 1%, approximately one-third of current commercial bank personal consumption loan interest rates, and will be effective for one year [4][5]. - The policy aims to enhance the quality of supply in the service sector, which has significant growth potential [4]. Service Industry Loan Subsidy Policy - The subsidy applies to loans issued to service industry operators in key sectors such as dining, health, and tourism, with a similar 1% subsidy rate and a maximum loan amount of 1 million yuan per entity [4][5]. - The policy will undergo evaluation after its expiration to consider potential extensions or adjustments [4]. Implementation and Operational Details - The application process is designed to be straightforward, with no complex procedures, allowing consumers to benefit easily [6]. - Borrowers can receive up to 1,000 yuan in subsidies for loans under 50,000 yuan and up to 3,000 yuan for larger loans, with the subsidy directly deducted from interest payments [6][7]. - Financial institutions are required to identify eligible consumption transactions and prevent misuse of funds [8]. Recent Developments - Several major banks, including Agricultural Bank and Industrial and Commercial Bank, have committed to implementing the subsidy policy starting September 1, 2025, ensuring compliance with the new regulations [9]. - Banks emphasize that no service fees will be charged for processing these subsidies and warn customers against potential scams [9].

Group 1 - Major blue-chip stocks mostly rose, with HSBC Holdings closing at HKD 101.986, up 0.48% from the previous close [2] - Tencent Holdings closed at HKD 604.977, an increase of 3.24% from the previous close [2] Group 2 - The table lists various stocks with their respective ADR conversion prices, showing Tencent Holdings with an ADR price of HKD 604.977, up HKD 18.977 or 3.24% [3] - Alibaba-W saw a slight increase of 0.61%, closing at HKD 124.461 [3] - Meituan-W increased by 2.20%, closing at HKD 127.031 [3] - NetEase-S experienced a decline of 1.69%, closing at HKD 211.758 [3] - BYD Company saw an increase of 1.76%, closing at HKD 117.024 [3]

8月12日，《个人消费贷款财政贴息政策实施方案》与《服务业经营主体贷款贴息政策实施方案》正式 对外公布。 政策发布后，多家商业银行迅速响应，纷纷发布公告表示，将严格依照市场化、法治化原则，有序推进 相关政策的落地实施。接受《证券日报》记者采访的业内人士表示，一系列针对性支持举措的落地实 施，将有助于优化和扩大服务消费供给，培育服务消费新增长点。预计两项贴息政策效果叠加，将对商 业银行业务产生结构性影响，并推动个人消费贷款规模稳步增长。同时，服务业经营主体的融资需求有 望加速释放，餐饮、零售、文旅等行业的对公贷款余额有望提升，进一步带动供应链金融、结算等综合 服务需求增长。 积极行动落实政策 《个人消费贷款财政贴息政策实施方案》明确，2025年9月1日至2026年8月31日期间，居民个人使用贷 款经办机构发放的个人消费贷款（不含信用卡业务）中实际用于消费，且贷款经办机构可通过贷款发放 账户等识别借款人相关消费交易信息的部分，可按规定享受贴息政策。 带来业务增长机会 从对商业银行的影响来看，业内人士认为，实施个人消费贷款贴息政策与服务业经营主体贷款贴息政 策，将利好信贷尤其是经营性贷款的恢复，利好商业银行和宏观流 ...