事情要从一张未激活的社保卡说起。任女士因重病长期卧床，生活无法自理，而其社保卡中虽存有用于 治疗的医疗资金，却因未激活无法使用，急需办理业务以支付后续救治费用。范家村党支部书记刘先生 和任女士家属曾多次想办法，但因任女士无法到网点办理，业务一度陷入僵局。 "农行的响应速度太快了，服务又这么贴心，真正把方便送到了群众家门口。"刘书记对这场"雪中送 炭"的服务赞不绝口，"这不仅是在办业务，更是在解民忧、暖民心。" 事实上，这样的暖心服务在农行济南起步区分行早已成为常态。近年来，该行聚焦老年人、病患等行动 不便群体的需求，通过开辟绿色服务通道、常态化开展上门服务等举措，让特殊群体享受"足不出户"的 金融便利。 农行济南起步区分行营业部得知情况后，迅速行动——第一时间抽调业务骨干组建专项服务小组，提前 梳理所需资料、协调上门时间，主动与家属反复沟通确认细节，用最快速度打通服务"堵点"。 上门办理时，考虑到任女士的身体状况，工作人员特意放慢语速，对业务流程和关键信息耐心重复、细 致解释，在严格遵守业务规范的前提下，灵活调整服务节奏，确保任女士和家属清晰了解每一个环节。 短短几十分钟，社保卡激活业务顺利完成，看着系统显示 ...

图 片来源： 智通财经 匡达 8月6日，农业银行A股市值升至2.11万亿元，首次超越工商银行，登上A股市值冠军宝座。 Wind数据显示，农业银行此轮上涨可追溯至2022年11月，从2.7元一路上涨至今，涨幅接近1.5倍。 7月中旬以来，银行股回调半月有余，中证银行指数自7月11日至7月底跌了7.27%，同期上证指数涨了 1.81%。在这期间，农业银行是银行股中唯一飘红的个股，股价逆势上涨，频频创出新高。 从近期事件看，8月4日，农业银行披露已在银行间市场完成2025年TLAC（总损失吸收能力）非资本债 券（第二期）发行，实际发行总额500亿元。今年以来，该行已发行TLAC债券800亿元。 最近几个交易日，A股银行板块出现反弹。截至8月6日，已有浦发银行、杭州银行、常熟银行、宁波银 行、齐鲁银行、青岛银行等6家A股上市银行发布了2025年半年度业绩快报，营收净利均实现正增长， 其中5家银行归母净利润同比增幅达两位数。 此外，多家上市银行也迎来重要股东增持。8月4日，南京银行披露称，股东南京高科增持该行股份，持 股比例增至9%。6月，青岛银行公告称，青岛国信集团拟通过子公司增持该行，增持后持股比例预计不 超过19 ...

Core Viewpoint - The Agricultural Bank of China (ABC) plays a crucial role in supporting small and micro enterprises in Tongliao, Inner Mongolia, by providing timely loans and financial services, which are essential for their operational stability and transformation efforts [1][2][3]. Group 1: Financial Support for Small Enterprises - Small and micro enterprises in Tongliao have experienced a continuous loan growth rate of over 15% for 30 months, indicating strong financial support for regional economic development [1]. - The financial needs of small enterprises are primarily driven by liquidity pressures and the search for transformation opportunities, necessitating timely bank credit support [2]. - ABC has provided significant loans to local enterprises, such as a construction company with a loan balance of 3 million yuan, which is critical for managing accounts receivable and supporting business transformation [2]. Group 2: Diverse Financing Options - ABC has implemented various financial products, including "Zhongyin Enterprise E-loan" series, which offers credit loans, tax loans, and mortgage loans, catering to the diverse financing needs of small and micro enterprises [7]. - The bank has simplified loan procedures and reduced fees, enhancing the efficiency of financing for small enterprises, with some loans available at interest rates as low as 3.25% [7]. - The bank's support extends to individual businesses, providing operational loans that meet their financial requirements, thus facilitating smoother cash flow [7]. Group 3: Focus on Key Industries - The corn purchasing and storage industry is vital for Tongliao's agricultural sector, with significant financing needs for stable development, supported by loans from local banks [5]. - The glass fiber manufacturing industry is another key focus, with local enterprises receiving financial backing from ABC to enhance production capacity and support expansion efforts [8]. - ABC's commitment to green projects is evident, having issued 12 million yuan in green project loans to promote ecological development and support enterprise transformation [4].

围绕乡村旅游新业态，农行青海分行以"商户贷""乡旅贷"等产品为抓手，精准对接辖内4A级及以上景区 和180个乡村旅游重点村，重点支持民宿升级、农旅融合等项目，切实将金融服务嵌入乡村文旅产业 链。截至目前，该行已累计投放"乡旅贷"3279万元、"商户贷"4.17亿元，服务农家乐、民宿等经营主体 2400余家。 农行青海分行梳理形成全省县级及以上农业产业化龙头企业客户清单，以助力做强农牧业龙头企业为抓 手，带动上下游产业协同发展，为农牧民开辟新的增收渠道。该行开展"县域涉农企业（单位）大走 访"活动，累计走访683家涉农企业，全面了解县域涉农重点企业、重点项目的融资需求，今年以来，累 计为57户农业产业化龙头企业发放贷款1.79亿元。（本版制图 张乐） 农行海东分行以当地建立马铃薯和杂交油菜供种区为契机，通过发放"高原马铃薯贷"，为像陈增才这样 的种植大户以及深加工企业提供全周期信贷支持。截至目前，该行累计投放"高原马铃薯贷"6.41亿元， 余额达3.24亿元，支持马铃薯从良种繁育、规模化种植到精深加工全产业链升级，让"土蛋蛋"变为农户 增收的"金疙瘩"。 在黄南藏族自治州同仁市，以唐卡为代表的热贡艺术是国家级非 ...

在人工智能领域深耕多年的创新药研发平台提供者——深圳晶泰科技有限公司在发展中也得到了金融机 构的大力支持。"公司在快速发展期对融资需求很大，2020年，中国银行为公司提供了一笔无抵押无担 保贷款，这笔信用贷款为全线上操作，短时间到账，及时化解了研发资金短缺的困境。"企业相关负责 人说。 "中国银行深圳市分行计划未来5年为深圳地区人工智能全产业链各类主体累计提供综合金融支持不少于 1000亿元。"中国银行深圳市分行相关负责人告诉记者。今年5月，该分行发布支持深圳人工智能产业链 发展行动方案，核心内容包括：与人工智能科技重大专项建立直接对接合作，提供覆盖"基础研究—成 果转化—产业应用"的"一站式"定制化金融服务；通过股权、贷款、债券、保险、租赁等多元化金融工 具服务人工智能要素供给等，助力培育新动能。 在上海，农业银行推出高质量服务人工智能产业"十条举措"。"为支持人工智能产业发展，农行上海分 行先行先试，打造'科技金融事业部—西岸联合科技金融实验室—农行上海徐汇支行—AI特色网点'人工 智能产业链服务体系，提供算力采购融资、知识产权评估、政策辅导等一揽子定制化服务，有效促进人 工智能科技成果转化。"农业银行上 ...

Group 1: Blue Arrow Aerospace - Blue Arrow Aerospace successfully launched the upgraded Zhuque-2 rocket, marking a significant advancement in its research and development efforts [1] - Established in June 2015, Blue Arrow Aerospace is recognized as a national-level specialized "little giant" enterprise and is the first private company in China to develop launch vehicles [1] - The company aims to create a comprehensive aerospace transportation system centered around medium and large liquid oxygen-methane launch vehicles, providing high-cost performance and reliable services globally [1] Group 2: Agricultural Bank of China (ABC) Beijing Branch - ABC Beijing Branch plays a crucial role in supporting technology-driven enterprises, positioning technology finance as a core engine for high-quality development [2] - The bank has established a comprehensive technology finance service system to provide strong financial support for innovation and self-reliance in technology within the capital region [2] Group 3: TianKe HeDa Semiconductor - TianKe HeDa, a high-tech enterprise focused on third-generation silicon carbide (SiC) semiconductor development, received significant financial support from ABC Beijing Branch during a critical funding phase [3] - The company required a total investment of 730 million yuan for its silicon carbide substrate industrialization project, with ABC providing a total credit of over 2.28 billion yuan [3][4] - The silicon carbide materials developed by TianKe HeDa are ideal for power electronic devices and will enhance the safety of core industries such as green energy and electric vehicles in China [4] Group 4: Huadu Yuko Poultry - Huadu Yuko Poultry, a key player in the national poultry breeding industry, received a total credit of 100 million yuan from ABC Beijing Branch to support its operations [5] - The funding includes 30 million yuan for working capital loans and 70 million yuan for supply chain financing, aimed at reducing operational costs and enhancing production and R&D capabilities [5][6] Group 5: Shenzhou Cell Engineering - Shenzhou Cell Engineering, a national high-tech enterprise, has maintained a long-term partnership with ABC Beijing Branch, which has supported the company through various financial services over 20 years [7][8] - In 2024, the company achieved a sales revenue of 2.513 billion yuan, marking its first positive net profit, attributed to the financial support from ABC [7] - The bank has provided tailored financial products to meet the evolving needs of Shenzhou Cell Engineering, including fixed asset loans and expedited working capital loans [8]

银河证券在报告中表示，2025年下半年银行业有望实现量价险三因素共振，迎来业绩实质性改善，主要 体现在：财政货币政策协同引导银行加力信贷投放、优化信贷结构；非对称降息下息差可控程度提高； 化债和地产政策加码推动对公资产风险预期改善。 从近期事件看，8月4日，农业银行披露已在银行间市场完成2025年TLAC（总损失吸收能力）非资本债 券（第二期）发行，实际发行总额500亿元。今年以来，该行已发行TLAC债券800亿元。 最近几个交易日，A股银行板块出现反弹。截至8月6日，已有浦发银行、杭州银行、常熟银行、宁波银 行、齐鲁银行、青岛银行等6家A股上市银行发布了2025年半年度业绩快报，营收净利均实现正增长， 其中5家银行归母净利润同比增幅达两位数。 此外，多家上市银行也迎来重要股东增持。8月4日，南京银行披露称，股东南京高科增持该行股份，持 股比例增至9%。6月，青岛银行公告称，青岛国信集团拟通过子公司增持该行，增持后持股比例预计不 超过19.99%。增持完成后，青岛国信将成为青岛银行第一大股东。苏州银行也获得股东持续增持。 8月6日，农业银行A股市值升至2.11万亿元，首次超越工商银行，登上A股市值冠军宝座。 ...

Group 1 - The State Council's executive meeting on July 31 proposed the implementation of interest subsidy policies for personal consumption loans and loans for service industry operators, aiming to lower credit costs and stimulate consumption potential [3][4][5] - Major state-owned banks, including Industrial and Commercial Bank of China (ICBC) and Agricultural Bank of China (ABC), have expressed their commitment to actively implement these policies, simplifying application processes and ensuring effective delivery to consumers and service operators [3][4][5] - Previous pilot programs in regions like Sichuan, Chongqing, and Hangzhou have already implemented similar interest subsidy measures, with subsidy rates around 1.5% [7][8] Group 2 - The policies are designed to enhance market vitality and stimulate domestic consumption, with a focus on reducing financing costs for both residents and service industry operators [3][5][12] - Banks are expected to leverage digital tools and innovative financial products to support consumption and meet the financial needs of consumers effectively [5][10] - The implementation of these policies is anticipated to lower the effective interest rates on personal loans, potentially bringing them below 3%, thereby easing the repayment burden for consumers [11][12] Group 3 - The execution of the interest subsidy policy will require banks to streamline their processes, ensuring that eligible consumers can access the benefits quickly and efficiently [9][10] - The financial sector is expected to adapt by creating tailored loan products that align with consumer needs in key areas such as automotive, home appliances, and home renovations [10][11] - The overall impact of the subsidy policy is projected to benefit both consumers and banks, enhancing consumer confidence and potentially increasing loan volumes for banks [12]

来源：光大证券微资讯 热点聚焦 1、白宫宣布将对芯片和半导体征收约100%的关税。如果在美国制造，将不收取任何费用。苹果公司宣 布未来四年在美投资将达6000亿美元，通过实施"美国制造计划"加速在美国生产。苹果收涨超5%，盘 后进一步涨超3%。隔夜，美股三大指数集体收涨，纳指涨1.21%，纳斯达克中国金龙指数收涨0.93%。 应用材料盘后涨超2%，该公司宣布加入苹果和德州仪器的合作加强美国芯片制造业。 2、美联储卡什卡利表示，短期内开始调整政策利率或仍是合适的；今年降息两次似乎仍然是合适的。 失业率数据非常重要，但美联储知道该数据有可能会被修正；工资增长正在下降，这表明劳动力市场正 在降温。据CME"美联储观察"：美联储9月降息25个基点的概率为93.6%。美联储10月累计降息50个基 点的概率为64%。美债交易员提高今年降息预期，部分头寸押注9月一次性降息50基点。 3、据环球网援引印度新德里电视台、《印度斯坦时报》等印媒6日消息，印度总理莫迪将于8月31日至9 月1日访华并出席上合组织天津峰会。几乎同时，白宫签署行政命令，对来自印度的商品加征25%的额 外关税，以回应印度继续"直接或间接进口俄罗斯石油"。 ...

今日关注 国务院新闻办公室于2025年8月7日（星期四）上午10时举行国务院政策例行吹风会，请财政部副部长郭 婷婷和教育部有关负责人介绍逐步推行免费学前教育政策有关情况，并答记者问。 宏观经济 1、商务部发布公告，决定将对进口牛肉保障措施调查期限延长至2025年11月26日。 2、交通运输部、财政部、自然资源部印发《新一轮农村公路提升行动方案》，目标到2027年，全国完 成新改建农村公路30万公里，农村公路网络基本建成。 3、国家电网：8月4日至6日，经营区用电负荷连续三天创历史新高，最大负荷达12.33亿千瓦，同比增 长5300万千瓦。预计8月7日经营区负荷仍将维持在12亿千瓦以上的高位。 4、近日，广东多地持续降雨引发严重暴雨洪涝灾害，造成重大人员伤亡和财产损失。6日，国家防灾减 灾救灾委员会启动国家四级救灾应急响应。国家发展改革委安排中央预算内投资1亿元，支持广东做好 洪涝灾害灾后应急恢复。 5、中办、国办印发《整治形式主义为基层减负若干规定》，要求各地区各部门要切实把基层从形式主 义、官僚主义束缚中解脱出来，具体包括切实精简文件、严格精简会议、规范借调干部等。 6、中国光伏行业协会征集对《价格法修正草 ...