Core Insights - The Shandong Branch of China Bank has significantly increased its agricultural loan support in rural areas, with a loan balance exceeding 170 billion yuan and an addition of over 23 billion yuan this year, contributing to rural revitalization efforts [1][2] Agricultural Loan Support - As of the end of August, the bank's loans in key agricultural sectors, including grain, soybeans, and oilseeds, reached nearly 10 billion yuan, with an increase of over 1.8 billion yuan since the beginning of the year [2] - The bank has provided timely financial support to agricultural enterprises, such as Shandong Shunfeng Agricultural Development Co., which received a 2 million yuan loan to address short-term liquidity issues [2][3] Product Innovation and Services - The bank has launched various specialized financial service products for rural clients, including "Zhaoyuan Peanut Loan," "Anqiu Ginger Loan," and "Jinxiang Garlic Loan," resulting in a total of nearly 26 billion yuan in inclusive agricultural loans, with an increase of over 5.2 billion yuan this year [4][6] - The "Anqiu Ginger Loan" has been particularly successful, providing 36 million yuan in credit to nearly 30 ginger industry clients within four months of its launch [5] Focus on Local Agricultural Needs - The bank actively engages with local agricultural departments and farmers to understand their financial needs, exemplified by its support for the pear industry in Yantai Laiyang, where it provided a 500,000 yuan loan to a company for purchasing fertilizers [7] - The bank aims to enhance its service mechanisms and capabilities to better support rural revitalization and contribute to the agricultural sector's high-quality development [8]

来源：环球网 活动期间，中国银行河南省分行与人保财险河南分公司联合发布支持河南跨境贸易行动方案，为企业拓 展海外市场提供更加便捷高效的金融服务支持。 在签约环节，郑州市政府与中银、工银、农银、建信、交银等5家金融资产投资公司（AIC）进行战略 合作签约，将为郑州引入更多金融活水、提供多元资本支持，助力经济高质量发展。 会上，郑州中瀛扶摇赋豫基金项目正式启动。中国银行河南省分行、中银金融资产、河南国有资本运营 集团、郑州市投资集团、郑州经开资本集团签署项目合作协议。中银资产联合省市区三级投资主体，用 实际行动支持中部地区崛起、服务郑州国家中心城市建设。 9月26日，郑州国际金融发展对话暨中国（河南）-东盟合作发展新机遇交流活动在郑州举行。此次活动 由郑州市政府、河南省委金融办、省商务厅主办，中国银行河南省分行等承办，旨在通过金融创新/跨 境金融赋能高水平对外开放，助力河南-东盟区域大市场建设。 河南省政府、郑州市政府和中国银行总行有关领导出席活动，300余位海内外金融学家和资深专家、政 金企代表齐聚一堂，共商金融开放创新路径，共绘区域合作发展蓝图。 此次活动立足河南区位优势和产业基础，聚焦"金融创新/跨境金融助 ...

Group 1 - The 15th China Henan International Investment and Trade Fair was held in Zhengzhou from September 26 to 28 [1] - China Henan International Group signed a cooperation agreement with Bank of China Vientiane Branch to deepen cross-border financial cooperation [1] - The partnership aims to inject financial momentum into the group's stable expansion in Southeast Asian markets, particularly in Laos [1] Group 2 - The collaboration is expected to enhance the development of Henan and ASEAN to a higher level [1]

Core Insights - The "Zhengzhou International Financial Development Dialogue" was held on September 26, focusing on new cooperation opportunities between China (Henan) and ASEAN [1][2] - The event emphasized the importance of financial services in supporting the real economy and enhancing financial cooperation with ASEAN countries [1][2] Group 1: Government and Financial Institutions - Henan Province is recognized as a major population, economic, industrial, and cultural hub, aiming to leverage financial support for high-quality economic development [1] - The provincial government plans to optimize the financial ecosystem, deepen financial reforms, and promote financial openness to inject strong momentum into economic growth [1] - China Bank has been a key player in supporting Henan's economic strategies and projects, focusing on financial innovation and cross-border services [2] Group 2: Event Highlights and Collaborations - The event featured speeches from various experts and financial institution leaders, discussing topics such as financial innovation and cross-border finance [2] - A collaborative initiative between China Bank's Henan branch and PICC Henan was launched to support cross-border trade, along with multiple financial cooperation projects being signed [2]

深圳某国际物流有限公司是一家专注于国际物流领域的综合服务企业，公司成立以来持续优化运营体 系、拓展全球网络，与国内外知名企业建立了长期稳定的合作关系。今年以来，受相关因素影响，企业 经营成本持续走高，回款账期进一步拉长，加剧了资金周转压力。受制于可抵押资产少、财务报表难以 完整体现真实经营状况等问题，企业面临融资困境。 ■本报记者 郝飞 近期，中国银行推出中银普惠"跨境E贷"专属服务方案，聚焦海关单一窗口、国际结算、跨境电商等场 景定制化线上产品，通过"一客群一策略"的定制化专属服务模式，为不同特征的小微外贸企业提供适配 的金融支持。 在深圳，中国银行积极助力国际结算客户进入国际市场。 中国银行获知企业融资需求后，主动对接了解其经营、财务及进出口情况，并针对产品申请、额度、还 款等企业关心的问题进行专业解答。此外，中国银行通过积极制定服务方案，开辟绿色信贷审批通道， 为企业核定信用总量并顺利解决了企业的融资难题。 在外贸活跃的广州，中国银行精准匹配外贸企业融资需求。 广州市某电子电器有限公司是一家专注于家电零配件一体化服务的出口型企业，具有超过15年的行业资 源与运营经验。但随着海外业务的发展，该企业有了更多 ...

新加坡和东盟已成为中国企业出海的重要目的地之一。 当中国制造迈向"中国智造"，企业出海的内涵也悄然生变。 第一财经：在"中国制造"在向"中国智造"升级的过程中，中国银行如何帮助客户在东南亚等新兴市场更 好发展和建立品牌？ 近期，第十六届2025年慧眼中国环球论坛在新加坡举办，期间区域供应链产业链深度整合成为热议话 题。可以看到的是，东盟地区凭借独特定位，已成为关键枢纽。 中国银行新加坡分行副行长胡炜在接受第一财经记者专访时表示，新加坡和东盟已成为中国企业出海的 重要目的地之一。面对这一趋势，中国银行不仅是服务提供者，更是利用其全球网络与本地生态资源， 为企业提供一站式服务的长期陪伴者和护航员，助力中国企业出海东南亚和全球市场。 助力中企高质量出海 第一财经：中国企业在全球化的浪潮中正加速"出海"，尤其是通过新加坡这样的国际金融中心。中国银 行在其中扮演了怎样的角色？ 胡炜：中国银行新加坡分行历史悠久，于1936年6月15日成立，拥有近90年的历史。我们持有新加坡金 融管理局颁发的特准全面银行牌照，可提供包括商业银行、投资银行、财富私行在内的全产品服务。中 国银行境外机构覆盖64个国家和地区。围绕出海企业的金融 ...

彼时，美元作为全球储备货币的垄断地位持续数十年，靠的是美国强势的金融系统与印钞机背书。长期 依赖意味着长期脆弱：一旦政治关系紧张，资产被"非市场化"处置的可能就变为现实。自去年开始，许 多国家央行加快了买黄金的节奏，因为黄金不同于美元国债，不能轻易凭一纸令下被没收，它是全球公 认的硬通货，是对抗金融武器化的天然盾牌。 在这种气氛中，一条看似技术性的消息具有象征意义。九月，外媒报道称中国央行正通过上海黄金交易 所与友好国家商谈，邀请它们将黄金储备存放在中国的保税仓库，而且据说已经有东南亚国家表现出了 兴趣。托管地点的转移，不只是物流安排，它背后指向"信任"的迁徙。把黄金放谁那，就等于把命脉塞 谁兜里——托管方的选择，其实是地缘政治与金融安全的投票。 定价权与钥匙的去与留 过去西方掌握了全球的黄金定价与托管体系：伦敦金库与纽约联储是黄金储备的集中地，伦敦的"良好 交割"标准与欧美的跨境清算网络相互嵌套，构成了一个难以撼动的惯性结构。许多国家甚至习惯了把 黄金留在海外，既便于交易，又兼顾声誉。可一旦托管与政治绑定，托管变成"寄存"，金虽在账上，钥 匙却不在手里。 相比之下，中国提出"你们可以放我这"，发行的是另一张 ...

Core Insights - The event held in Zhengzhou focused on financial innovation and cross-border finance to enhance the high-level opening-up of the Henan-ASEAN regional market [3][4] - Henan's trade with ASEAN has surpassed 100 billion in 2024, with an 8.8% growth in the first eight months of this year, making ASEAN Henan's largest trading partner [3] - Financial institutions are encouraged to leverage their market strengths to support industrial upgrades and promote cross-border financial advantages [3][4] Group 1: Event Overview - The event was organized by the Zhengzhou municipal government and various financial institutions, including the Bank of China Henan branch, as part of the 15th China Henan International Investment and Trade Fair series [5] - Over 300 financial experts, scholars, and representatives from government and enterprises participated in discussions [3] Group 2: Financial Cooperation and Innovation - Financial institutions in Henan are expected to reduce financing costs and currency risks while enhancing trade predictability through innovative financial services [4] - The Bank of China Henan branch aims to continue innovating financial products and services to support Henan's development as a new inland open highland [4][5] Group 3: Future Cooperation Opportunities - There is significant potential for deepening cooperation between Henan and ASEAN in various sectors, including logistics, culture, tourism, education, and technology [3] - The integration of logistics channels and supply chains is seen as a key area for future collaboration [3]

Core Viewpoint - The recent administrative penalties imposed on five banks in Beijing highlight the ongoing regulatory focus on compliance in credit operations, particularly regarding the "three checks" system in loan management [1][2][5]. Group 1: Regulatory Actions - Five banks, including major state-owned banks and joint-stock banks, were fined 350,000 yuan each for violations related to loan management, specifically the "three checks" system [1][2][4]. - The "three checks" system, which includes pre-loan investigation, in-process review, and post-loan inspection, is crucial for managing loan risks and ensuring asset quality [2][3]. Group 2: Systemic Risks and Challenges - Inadequate management of working capital loans can lead to misuse of funds and potential systemic financial risks if multiple banks face similar issues [3][4]. - The penalties reflect a broader industry challenge, indicating that loan management problems are not isolated incidents but rather a common issue across the banking sector [4]. Group 3: Regulatory Environment and Future Directions - The regulatory authority has emphasized the importance of compliance and risk management in credit operations, with a focus on enhancing internal controls within banks [5][6]. - Future regulatory measures are expected to diversify, incorporating tools like window guidance and stress testing to create a multi-layered regulatory framework [5]. Group 4: Cultural and Mechanism Reforms - The penalties serve as a catalyst for banks to rethink their internal assessment criteria, ensuring that compliance and asset quality are prioritized alongside growth metrics [6]. - The adoption of advanced technologies such as big data and artificial intelligence is necessary to improve the efficiency and effectiveness of the "three checks" system [6].

Economic Overview - The global economy showed signs of recovery in Q3 2025, with total demand slightly rebounding and total supply remaining stable. However, the growth outlook for Q4 is mixed, with increasing uncertainties and structural characteristics becoming more pronounced [1][10][11] - Major economies exhibited divergent performances: the US economy improved, Europe showed weak recovery, Japan faced growth pressures, and India exceeded expectations [10][11][12] Inflation and Trade - Global inflation is decreasing, but the pace of decline is slowing and becoming more differentiated. In August, the US CPI rose to 2.9% year-on-year, while the Eurozone HICP increased by 2.1% [1][22][23] - Trade policies have seen a reduction in their disruptive impact, with the WTO raising its 2025 goods trade growth forecast to 0.9% [1][26][27] Financial Market Adjustments - The financial markets have undergone significant adjustments, with the Federal Reserve adopting a dovish stance and cutting interest rates by 25 basis points in September. This led to a net inflow of $82.98 billion into emerging market securities in July and August [2][3][10] - The dollar index has been fluctuating at low levels, and global stock markets have generally trended upward, with the MSCI global index rising over 10% [2][3][10] Capital Flows and Investment Trends - International capital is returning to emerging markets, with foreign direct investment (FDI) in Southeast Asia and Mexico expected to continue growing. Emerging market securities are increasingly favored by investors seeking resilient economies [2][11][12] - The report highlights potential areas for deepening cooperation between China and Europe in trade, green transformation, investment agreements, and multilateral governance under the backdrop of Trump's second term [2][11] Fiscal Policies - Major economies are maintaining an expansionary fiscal stance, but fiscal pressures are becoming more pronounced. The US fiscal deficit for FY 2025 is projected to grow by 7.7% year-on-year [2][33][36] - The Eurozone's debt-to-GDP ratio has risen to 78.1%, indicating increasing fiscal challenges [2][33][36]