当前，全球数字贸易正站在新十年的关键节点，数字经济与实体经济的深度融合不仅是全球经济复苏的 核心动力，更是我国深入贯彻金融"五篇大文章"、服务新质生产力的关键实践。作为我国唯一以数字贸 易为主题的国家级、国际性、专业型展会，全球数字贸易博览会（以下简称"数贸会"）为深度践行国家 推动数字贸易创新发展的战略部署，以国家级平台为支点，创新性推出"数贸创投日"系列活动，深入全 国创新创业高地，面向全球遴选优质科技创业项目，为数字贸易创新发展注入新动能。 历经北京、深圳、西安三站，"数贸创投日"已吸引数百位政、企、投嘉宾深度参与，促成多组资本与项 目达成初步合作意向。但这并非终点，而是所有资源聚合的新起点：所有区域对接的优质资源、筛选出 的潜力项目、锁定的核心资本，都将在9月25日杭州大会展中心"数贸创投日"主会场集中释放势能。 从政策红利到国际资本，从双向路演到长效机制，这场数字贸易领域的"年度资源对接关键场"，将成为 全球数字贸易创新力量与资本精准对接的重要桥梁。 可扫描最下方海报二维码，获取参会报名链接。 本次杭州主会场将围绕数字贸易领域创新需求与资本对接痛点，精心打造八大核心亮点，通过多维度资 源整合、精准化 ...

航旅纵横联合交通银行推出数字人民币红包活动，开通对应等级交行数字人民币钱包后，可领取无门槛 红包，用于在航旅纵横APP内购买国际机票、邮寄行程单、开通航旅PLUS会员时抵扣订单金额。 北京银行邀请多家文创企业、老字号商家、餐饮企业，打造了"数币万花筒"沉浸式市集空间。多巴胺配 色的潮流市集内，观众可以参与"京"美打卡、"京"准挑战、"京"彩AI抓娃娃、"京"喜大转盘等活动，有 机会赢取数币消费红包等超值奖品。 多款高颜值卡片成为便利用户移动支付的"法宝"，交通银行设计的数字人民币硬钱包在展区亮相。往届 火爆的数字人民币IP周边盲盒满减活动作为保留体验项目，今年继续在展区开展，观众使用指定等级的 交通银行数字人民币钱包可享受满16.99元立减15元的优惠，参与活动赢取带有交通银行数字人民币特 色形象的纸扇、手机架等周边产品。 类仅 E 字人民币硬战包 93 7 6.1 NZD M 6 54 4 1 A 16 H 转自：北京日报客户端 服贸会金融服务专题展馆内，一场"红包雨"如约而至，花样翻新的数字人民币展示场景成为各家金融机 构"标配"。潮流市集、打卡集章区、趣味游戏区……数字人民币大道5.0版更好玩儿，观众能 ...

多维发力，筑牢民企金融支撑闭环。该行深化小微企业融资协调机制，精准对接需求，以"千企万户大 走访"专项活动为抓手，积极对接上级及相关部门获取重点企业名单，推进意向客户全覆盖走访，常态 化开展民企走访调研，动态把握民营经济脉搏，精准推介创新融资、供应链融资等金融产品，加大信贷 政策倾斜，以"靠前服务"提升融资可得性。同时借助"工银普惠行"等活动，大力推广"经营快贷""网贷 通"等产品，并畅通线上融资渠道，有效满足小微、涉农企业"短频急"融资需求。该行上半年走访了小 微企业1000余户，授信超850户次，构建了"走访 - 对接 - 授信"全流程服务闭环，确保该行金融服务精 准直达民营企业。 直面挑战，破解民企发展与融资痛点。该行积极创新制造业信贷产品和融资模式，根据各企业发展特点 开展金融赋能，为企业量身定制金融方案。如围绕广西某纸业有限公司，构建供应链金融服务体系，累 计为其上下游企业发放融资超900万元，有效疏通了其产业链融资"堵点"。同时，根据该企业设备更新 的需求，精准匹配"桂惠贷-节水贷"等政策红利，金融支持企业设备更新，驱动制造业转型升级。针对 某农产品加工企业前期应收账款回笼缓慢、资金周转难题，该行 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Hezhou Branch emphasizes its commitment to serving the real economy, enhancing financial service quality, and supporting regional economic development through innovative service models and optimized resource allocation [1][2][3] Group 1: Financial Service Network - The bank has established a comprehensive financial service network covering urban core areas and key towns, with 12 service outlets strategically located in commercial centers, transportation hubs, and residential areas [1] - Seven inclusive finance service points have achieved 100% business activity, ensuring convenient access to basic financial services for local communities [1] Group 2: Support for Industrial Transformation - The bank has provided significant financing support for key projects, including a loan of 50.61 million yuan for a green energy wind power project and 14.08 million yuan for transportation infrastructure [2] - The loan balance for specialized and innovative enterprises reached 68.8 million yuan, with a coverage rate of 30.77% as of July 2025 [2] - The bank has enhanced its service offerings by increasing the credit limit for "Industrial e-loans" to over 3 million yuan and utilizing a "credit + collateral" approach to support enterprise transformation [2] Group 3: Rural Revitalization and County Development - The bank has deepened its financial support for the livelihood sector through specialized products like "Calcium Carbonate Green Loans" and "Planting e-loans," effectively empowering key areas such as agriculture, logistics, and tourism [3] - As of July 2025, inclusive loans increased by 19.3 million yuan, with a growth rate of 15.5%, surpassing the average growth rate of all loans [3] - The bank actively engages in community outreach initiatives to enhance financial services at the grassroots level, promoting financial inclusion and supporting local development [3]

落实闭环管理，红利直达激发新活力。为确保1.6亿元贷款的财政贴息资金精准、高效、透明浇灌到目 标小微主体，切实转化为发展动能，该行构建严密、高效的全流程闭环管理机制，建立严格的客户准入 与贴息资格审核机制。在业务前端，叠加运用多维风控模型与政策适配模型，对申请企业进行多维度交 叉验证与筛选。重点考量企业是否符合国家及地方产业政策导向、是否属于实体经济范畴、是否真实面 临融资成本压力、经营是否稳定且具备成长性，确保贴息资源精准投向"最急需、最匹配、最有效益"的 小微主体，严防资金"跑冒滴漏"。（梁发军） 编辑：赵鼎 紧跟政策步伐，助力小微企业融资。该行充分发挥金融引擎作用，紧密结合玉林区域特色产业集聚地和 重要农业基地的经济特点，创新推出"惠企贷"产品体系。一是精准聚焦域内小微企业、个体工商户及涉 农主体普遍面临的"融资贵"问题，组织营销团队深入园区、社区、乡镇及专业市场，走访经营户，精准 对接融资需求，广泛宣传惠企政策。二是依托大数据分析和精细化管理工具，严格筛选符合国家及区市 产业政策导向、成长潜力良好但受困于融资成本压力的优质小微主体，确保财政贴息资源精准投放，有 效降低综合融资成本，激活微观经营主体活力 ...

数据最有说服力。截至2025年6月末，宜春市发放符合碳减排支持工具报账条件的贷款达34.83亿 元，居全省第二位；全市绿色贷款余额916.91亿元，同比增长22.96%，高于各项贷款增速17.57个百分 点。目前，宜春市金融机构运用碳减排工具为多家企业提供了有力的资金支持，推动区域低碳转型步伐 不断加快。 政策落地催生转型新需求 宜春市碳减排支持工具落地，为当地绿色发展注入了新的动力，催生了企业在低碳转型过程中的新 需求。 宜春市在清洁能源、节能环保和碳减排技术等领域有着广阔的发展空间，随着碳减排支持工具的推 广应用，企业的转型意愿日益强烈。之前，一些企业想开展碳减排项目，但苦于资金短缺、融资渠道有 限，只能望而却步。而碳减排支持工具的出现，让这些企业看到了希望，贷款意愿显著增强。同时，抽 水蓄能电站、光伏发电等碳减排项目往往具有建设周期长、投入大的特点，这就使得企业的融资规模相 比以往有了明显增大。从项目前期的设备采购、工程建设，到后期的运营维护，都需要大量的资金支 持，企业对资金的需求不再是小打小闹，而是需要金融机构提供足额的信贷保障。此外，由于碳减排项 目的回报周期较长，企业的融资期限也相应延长，不再是 ...

Investment Rating - The report does not explicitly state an investment rating for the small and micro enterprise financing platform industry Core Insights - The small and micro enterprise financing platform industry is experiencing continuous expansion driven by policy support and market demand, with innovative service models emerging to address financing challenges [3][21] - The industry is characterized by a concentration of leading players, with a significant market share held by top companies, while smaller firms are adopting differentiated strategies to capture market share [20][23] - The transition towards the "drip irrigation" model is anticipated, as it aligns better with the financing needs of small and micro enterprises compared to traditional credit models [56][57] Summary by Sections Industry Definition - Small and micro enterprise financing platforms integrate resources from financial institutions, government, data technology, and industry ecosystems to provide customized financing solutions, addressing issues like information asymmetry and insufficient collateral [4] Industry Characteristics - The market is expanding rapidly, with the balance of inclusive small and micro loans reaching 32.9 trillion yuan by Q3 2024, a year-on-year increase of 14.5% [21] - Continuous product and service innovation is evident, with platforms like Drip Irrigation Group utilizing the Revenue-Based Financing (RBF) model to enhance service efficiency [22] - The competitive landscape shows a concentration of market share among leading firms, with state-owned banks holding 42.77% of the inclusive small and micro loan market [23] Development History - The industry has evolved through various stages, from initial support for small enterprises in the 1990s to the rapid development phase post-2000, and now to a high-quality development phase characterized by digitalization and green finance [24][30] Industry Chain Analysis - The industry chain consists of upstream funding sources, midstream financing service providers, and downstream small and micro enterprises, with a focus on addressing structural mismatches in financing needs [31][32] - Upstream funding is characterized by a dual structure of policy-driven and market-driven sources, with commercial banks being the primary funding providers [37] - Midstream service providers are leveraging technology to enhance risk assessment and improve service delivery, transitioning from traditional asset-based evaluations to cash flow-based assessments [43] Market Size and Growth - The small and micro enterprise financing platform industry has seen rapid growth from 2019 to 2024, driven by policy support, technological advancements, and improvements in the credit system [53] - The market is expected to continue expanding as new tools like digital currency and cross-border payment systems are introduced [54] Future Trends - The industry is shifting towards the Drip Irrigation model due to mismatches between traditional credit models and the financing needs of small enterprises, with a focus on real-time cash flow monitoring and digital infrastructure [56][58]

Core Viewpoint - The Hebei Financial Regulatory Bureau has approved the appointment of Teng Yunjing as the Vice President of the Hebei Branch of the Industrial and Commercial Bank of China (ICBC) [1] Summary by Sections Appointment Approval - The approval document states that Teng Yunjing's appointment as Vice President of ICBC's Hebei Branch has been officially authorized [1] Compliance and Reporting Requirements - ICBC is required to ensure that Teng Yunjing adheres to the relevant regulatory provisions set by the Financial Regulatory Bureau and must report her onboarding status within three months from the date of the approval [1] Continuous Learning and Risk Awareness - ICBC must encourage Teng Yunjing to continuously learn and understand economic and financial laws and regulations, emphasizing the importance of risk compliance awareness and familiarity with her job responsibilities [1]

FT账户远期结汇 护航企业"出海" 在广州南沙，高耸的龙门吊如钢铁巨人般伸展臂膀，将数十吨重的船舶构件精准吊装；岸边的起重 机昼夜不停运转，为船坞内的建造作业输送物资；船坞中，数艘尚未完工的海洋巨轮轮廓分明，工人身 着工装在甲板上穿梭忙碌，焊接火花与机器轰鸣交织成充满活力的生产交响曲。每隔一段时间，新制船 舶试航时的汽笛声便会响彻港区，宣告着又一阶段建造任务的完成。 2025年是广东自贸试验区挂牌成立十周年。走进自贸区，一派繁忙景象扑面而来。集装箱卡车川流 不息，智能吊装设备高效运转，勾勒出一幅活力奔涌的对外开放生动图景。来自自贸区的一家高科技企 业的财务总监表示："'金改30条'出台后，跨境人民币结算更加便捷，为我们降低汇兑成本、提高资金 周转效率带来了实实在在的帮助。"他提到的"金改30条"，正是中国人民银行于2015年发布的《关于金 融支持中国（广东）自由贸易试验区建设的指导意见》。这份指导意见，聚焦跨境贸易和投融资便利 化，推动广东自贸试验区深化以粤港澳合作为重点的金融开放。 十年来，中国人民银行广东省分行、国家外汇管理局广东省分局立足打造高水平对外开放门户枢 纽，稳步落实金融支持横琴粤澳深度合作区建 ...

本报记者 昌校宇 方凌晨 彭衍菘 建信基金像一辆"梧桐巴士"驶入现场，其在普惠金融专区设置了"答题挑战"互动环节，将反诈知识融入趣味问答，顺利通 过答题的观众可赢得盲盒兑换券；数字金融专区的手势遥控数据"地球仪"同样人气火爆，观众通过隔空手势滑动即可"抓取"对 应信息板块，直观了解建信基金数字化转型最新进展。参观结束后，观众一键打卡还可以领取一张"纪念车票"，为这场智趣之 旅画上圆满句号。 中国银行围绕服务境外来华人士打造了专门的展台专区，集中展示"幂方卡"、"来华通"App以及离境退税等创新产品和服 务实践，成为外国观众现场咨询的热点。记者在现场获悉，"幂方卡"是集"支付+通信+交通"三大高频服务于一体的融合创新服 务包，购买"幂方卡"后插入手机，即可获得通话、上网、数字人民币支付以及北京城市公共交通乘车等多种功能。"来华 通"App则覆盖地图、导航、翻译、美食、景点、购物等丰富生活场景，支持7种语言。 工商银行"公积金数字人"与新版公积金联名卡一站式办理设备形成"黄金组合"；工银瑞信基金打造的"正'钱'方"反洗钱卷 宗迷宫展，将严谨的合规理念转化为生动易懂的普惠教育实践；建信基金绿色金融专区"自然之声"按 ...