Core Insights - Jiangsu Province's foreign trade import and export value reached 3.82 trillion yuan, a year-on-year increase of 5.1%, indicating a shift towards diversification, high-tech, and green low-carbon directions [1] - ICBC Jiangsu Branch has actively explored new models of cross-border financial services, assisting over 23,000 foreign trade enterprises and achieving international trade settlement amounts exceeding 149 billion USD [1][2] Group 1: Cross-Border Financial Services - The establishment of a unified bank settlement account system allows eligible enterprises to manage multiple currencies through a single account, simplifying financial management and improving cross-border settlement efficiency [1] - ICBC Yangzhou Branch has developed an integrated online solution for new offshore international trade, addressing complexities in transaction verification and settlement paths, thus enhancing operational efficiency [2] Group 2: International Service Enhancement - ICBC Wuxi Branch successfully recovered 1.45 million USD in overdue payments for a client, showcasing the bank's international service capabilities and global network [3] - The bank has established a global financial service network covering 69 countries and regions, enhancing its international collaboration with foreign banks [3] Group 3: Innovative Financing Solutions - ICBC Jiangsu Branch collaborated with ICBC Asia to innovate back-to-back factoring services, successfully providing 136 million yuan in financing for a leading foreign-funded garment export enterprise [4] - The bank has implemented various financial products to support cross-border financing, including overseas loans and trade insurance, to reduce costs for enterprises [5] Group 4: Policy Support and Risk Management - The "Su Trade Loan" program has provided 18.2 billion yuan in financing to over 2,300 enterprises, aimed at improving the financing environment for foreign trade companies [6] - ICBC Jiangsu Branch is participating in a pilot program for new offshore international trade business background verification, enhancing risk management through real-time data access [6] Group 5: Future Outlook - ICBC Jiangsu Branch plans to continue optimizing its cross-border financial service system, covering investment and financing, cross-border settlement, and global fund management to support enterprises in international cooperation and competition [6]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Guangzhou Branch is actively supporting the development of the Guangdong-Hong Kong-Macao Greater Bay Area through innovative financial services and initiatives [4][5][17] - ICBC Guangzhou has provided comprehensive financial support for the 15th National Games, enhancing the event's operational efficiency and public engagement [14][15][16] Financial Innovation - ICBC Guangzhou has registered four AIC pilot funds, investing a total of 1.041 billion yuan in four technology enterprise equity projects to support the development of new productive forces [8] - The bank has signed a custody agreement for the Bond Connect "Southbound" initiative, facilitating cross-border investment and enhancing market connectivity [6][7] Digital Transformation - The launch of the "Sui Xin e-loan" product has enabled rapid loan approvals for small and micro enterprises, with a loan balance exceeding 170 million yuan within three months [11][10] - ICBC Guangzhou is promoting the digital yuan ecosystem, having launched a themed digital yuan hard wallet for the 15th National Games, enhancing digital payment experiences [12] Green Finance - As of August, ICBC Guangzhou's green loan balance surpassed 300 billion yuan, providing financing support to over 700 enterprises for ecological and low-carbon projects [9] Community Engagement - The bank has transformed its branches into official ticket sales points for the 15th National Games, ensuring accessibility for the public and enhancing the event's visibility [14][15] - ICBC Guangzhou is actively involved in community initiatives, including the launch of a talent pension plan and support for local cultural activities [16][17]

Core Viewpoint - The company reported its 2025 semi-annual results, showing a slight increase in revenue but a decline in net profit, indicating mixed performance amid a challenging economic environment [1] Financial Performance - In the first half of 2025, the company achieved operating revenue of 427.09 billion yuan, a year-on-year increase of 1.57%, while net profit attributable to ordinary shareholders was 168.10 billion yuan, down 1.39% year-on-year [1] - As of the end of Q2, total assets reached 52.32 trillion yuan, up 11.04% year-on-year, and total loans amounted to 30.19 trillion yuan, an increase of 8.44% year-on-year [1] - The non-performing loan (NPL) ratio remained stable at 1.33%, while the NPL coverage ratio increased by 2.01 percentage points to 217.71% [1] Loan and Investment Trends - Government financing has driven rapid growth in investment assets, with corporate loans showing slight weakness due to demand slowdown and policy impacts [2] - The bank's loan growth outpaced the industry average, reflecting its leading position [2] - The bank's total assets were significantly boosted by a 46.5% year-on-year increase in repurchase agreements [2] Interest Margin and Fee Income - The net interest margin for Q2 was 1.27%, down 6 basis points quarter-on-quarter and 11 basis points year-on-year, indicating a trend towards stabilization in interest margin pressure [2] - Fee and commission income showed signs of recovery, with a year-on-year increase driven by growth in corporate wealth management [3] Asset Quality and Risk Management - The overall asset quality remained stable, with the NPL ratio at a near-record low, and proactive measures taken to manage potential risks [4] - The bank's individual loan quality is expected to remain manageable despite rising risks in the broader banking sector [4] Profit Forecast and Investment Recommendations - The company anticipates a gradual improvement in operating income and net profit from 2025 to 2027, with projected revenues of 829.2 billion yuan, 834.4 billion yuan, and 887.3 billion yuan respectively [5] - The bank's strong customer base and diversified business model are expected to support stable operations in a challenging environment, maintaining a "buy" rating [5]

转自：新华财经 专精特新及科创企业是驱动高质量发展的生力军和重要引擎。工行桂林分行深知新时代金融工作的使命 责任，始终把服务本地实体经济、赋能制造业智能化升级作为核心任务。面对辖区内科创企业普遍存在 的"轻资产、高成长、融资难"等痛点，靶向发力、创新突破。 未来，工行桂林分行将持续深化对科创企业的金融支持，优化服务模式，畅通融资渠道，让更多"创新 种子"在金融"活水"的浇灌下破土而出、开花结果，为桂林乃至广西加快形成新质生产力、谱写中国式 现代化新篇章贡献澎湃的工行力量。（邓小凤） 编辑：罗浩 工行桂林分行积极打造金融服务制造业高质量发展的"智造引擎"，引导金融"活水"精准滴灌创新沃土。 2025年，桂林某国家级专精特新"小巨人"企业（同时也是绿色工厂）在推进"汽车超级电混系统曲轴自 动化生产线"关键技改项目时面临资金需求，该行迅速响应，高效为其审批发放7000万元项目贷款，这 笔资金犹如"及时雨"，不仅解了企业燃眉之急，更助力该项目建成后形成年产36万件、年销售收入1.57 亿元的新产能，驱动其实现产业升级与版图拓展，为提升区域产业链供应链的韧性与安全高效现代化水 平注入强劲金融动能。 截至2025年8月末 ...

齐鲁晚报·齐鲁壹点 杜春娜 9月30日，济南古城产业运营共建联盟成立暨上新时代文化街区系列活动启幕在山东古建筑博物馆举 办。 活动在山东歌舞剧院演奏的《千秋和鸣》中拉开帷幕。济南市政协党组书记、主席，济南古城保护提升 工作指挥部总指挥雷杰在致辞中表示，济南古城接连"上新"，文化魅力越发凸显。文博"上新"，山东古 建筑博物馆的开放，让历史建筑"活"了起来，文化传承"动"了起来；产业"上新"，济南古城产业运营共 建联盟的成立，构建起"文化引领、产业联动、共建共享"的古城发展新格局；古街"上新"，上新街这条 百年老街跨越时空重焕新生，实现历史文化与现代生活的有机结合。 活动上，联盟理事长单位代表、济南城市发展集团党委委员、副总经理霍仁禄宣读济南古城产业运营共 建联盟倡议书，展示"一联盟、一张图、一张网、一张票、一平台、一品牌"联盟成果。济南城发集团、 济南城投集团、中国工商银行济南分行、济南文旅集团、济南公交集团、济南历下控股集团、济南古城 发展公司、济南市中城投集团、济南槐荫城建投资集团、济南天桥资产运营管理集团等单位共同签署共 建协议，济南古城产业运营共建联盟正式成立。 活动，上新时代文化街区系列活动同步启动。 ...

9月30日，济南古城产业运营共建联盟正式揭牌成立。该联盟由济南古城（明府城片区）保护提升指挥 部主导，济南城市发展集团牵头，联合文商旅体等多领域单位共同组建，标志着济南古城片区城市更新 与产业协同发展进入了"多元共建、资源共享、融合共进"的新阶段。 齐鲁晚报·齐鲁壹点 杜春娜 济南古城作为"山、泉、湖、河、城"独特风貌的集中承载区，是延续千年历史文脉、彰显泉城文化魅力 的核心区域。联盟成员包括济南城发集团、济南城投集团、中国工商银行济南分行、济南文旅集团、济 南公交集团、济南历下控股集团、济南古城发展公司、济南市中城投集团、济南槐荫城建投资集团、济 南天桥资产运营管理集团等单位，将围绕古城保护、提升与利用，以"政府引导、市场运作、社会参 与"为原则，构建"大联盟统筹、专委会支撑、各成员协同"运作机制，致力于推动文化、商业、旅游、 体育深度融合，提升区域消费能级，打造具有全国影响力的文商旅体融合示范区。 联盟的成立是济南市老城更新与文商旅体融合发展的关键举措。该项目也为全市城市更新工作探索 了"以联盟促融合、以活化促保护"的新路径，将为全国历史文化名城更新提供"济南样本"。 联盟成立后，将以"文商旅体深度融合与 ...

据工行崇左凭祥分行工作人员介绍，"兴农服务流通贷"是该行推出的"兴农e贷"系列特色产品之一，是 为农户、家庭农场、农民专业合作社、涉农小微企业等农业经营主体提供的普惠贷款服务，支持农业种 植、养殖、农产品加工运输等农业细分领域的生产经营性融资需求，具有贷款额度最高可达500万元， 贷款期限最长可达10年，办理方式支持信用、保证、抵押等多种方式，灵活便捷，能满足大部分农户的 普惠金融需求，贷款全流程线上办理或线上线下结合办理。针对邓某这类轻资产外贸企业的特殊需 求，"兴农服务流通贷＂创新采用＂跨境订单+应收账款＂动态质押模式，将企业贸易单据作为增信依 据，通过区块链技术核验单据真实性，无需额外抵押物即可快速放款，有效帮助企业解决融资难题。 近年来，工行崇左凭祥分行立足市区位特色，将普惠金融与跨境贸易深度融合，针对外贸企业融资痛 点，大力发展普惠金融业务，推出一系列门槛低、额度高、期限长、利率优的普惠金融产品，助力各行 各业小微企业高质量发展，以实际行动不断书写"金融为民"新篇章。（蔡东方） 编辑：罗浩 转自：新华财经 广西崇左凭祥市被誉为"中国南大门"，在其绵延300公里的边境线上，分布着200余家跨境贸易企业 ...

转自：新华财经 在风光旖旎的广西崇左市大新县明仕田园景区，一家新成立的文旅小微企业正面临着成长的烦恼。这家 企业扎根景区，主营高品质田园民宿投资运营，致力于为游客打造沉浸式度假体验。开业初期，该企业 资金主要用于基础建设、初步装修，民宿规模有限，接待能力不足，难以匹配景区日益火爆的人气。随 着"近郊游""周末游"持续升温，明仕田园成为热门打卡地，节假日游客激增。面对旺盛的市场需求，该 企业计划于2025年上半年扩建民宿、提升接待能力。此时企业遭遇了资金短缺的瓶颈，自有资金已无法 支撑其品质升级与规模扩张的迫切需求。 工行崇左分行在了解到企业的融资困境后，迅速行动，客户经理深入景区一线，实地考察企业的区位优 势、经营理念、建设进度与发展规划，精准把脉其"扩建急、融资难"的核心痛点，针对其轻资产、缺乏 足值抵押物、资金需求时效性强的特点，充分发挥普惠金融服务优势，为其量身定制了专属综合授信方 案，突破传统抵押限制，针对文旅小微企业轻资产特性，摒弃传统重抵押担保 ，重点考察企业区位优 势、经营潜力、发展前景等非财务指标，将企业区位价值、运营能力等无形资产转化为可量化授信依 据。在产品设计上，采用＂流动资金贷款+绿色 ...

转自：新华财经 为积极践行以人民为中心的价值取向，切实维护金融消费者合法权益，持续提升公众金融素养和风险防 范能力，今年以来，中国工商银行武汉分行开展了丰富多彩的金融宣教活动，推动金融知识融入多元生 活场景。2025年9月金融教育宣传周期间，工行武汉分行集中围绕"保障金融权益，助力美好生活"的活 动主题，充分发挥自身资源优势，积极回应不同消费群体的差异化需求，不断增强金融教育宣传的引导 力和传播实效。 从贴近生活的消保常识、理财知识、反诈预防入手，工行武汉分行在辖内200余家网点播放具有公益 性、易传播和用得上的金融教育系列短视频。聚焦"大学生贷款"，通过还原校园生活中常见的信贷场 景，剖析非法校园贷的陷阱与危害，引导青年群体树立理性借贷观念，珍惜个人信用记录；围绕"高息 理财"主题，以典型案例揭示虚假承诺高回报背后的资金风险，帮助消费者尤其是中老年群体辨别合法 投资与金融诈骗，增强资产保护能力；针对"违规放贷"现象，通过情景再现警示不规范借贷的操作风险 及法律后果，倡导公众选择正规金融机构，维护自身合法权益。视频用通俗易懂、生动有趣的方式传递 金融知识，让消费者在轻松愉快的氛围中提升金融素养。 在校园，工行 ...

政策领航，架起跨境金融"高速路"。《广西建设面向东盟的金融开放门户总体方案》出台后，该行迅速 将其作为行动纲领，紧密对接国家和广西"十四五"规划，精准引导金融资源流向实体经济关键领域，重 点支持科技型、制造业企业，确保资金直达实体、发挥实效，努力打造连接境内外市场、客户、资金与 产品的重要枢纽，让工行全球服务能力更好惠及本地企业。今年以来，已为桂林55家进出口企业累计投 放贷款5.01亿元，有力支持了外贸稳定与发展。 转自：新华财经 创新破局，疏通企业融资"梗阻"。聚焦企业融资痛点，该行大胆探索跨境金融新模式。创新运用"外保 内贷"模式，成功为某重点制造业企业发放流动资金贷款。该业务巧妙借助境外优质金融机构信用，有 效解决了企业传统融资中面临的担保难和渠道限制问题，实现了"境外信用境内用"的突破，显著拓宽了 企业融资渠道，降低了综合成本，彰显了该行服务外向型经济、支持企业转型升级的专业能力与担当。 精准发力，推动人民币跨境使用"更畅通"。精心组织桂林4家重点龙头企业参加《东盟-中日韩产业链供 应链对接大会》，通过高效对接活动，促进银企信息互通与信任建立，搭建融入区域产业链的桥梁，专 业跨境金融服务获企业高度认 ...