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服务业经营主体贷款贴息方案落地!年贴息比例为1个百分点,21家银行参与经办
Bei Jing Shang Bao· 2025-08-12 08:03
贴息标准方面,《实施方案》明确,对于经办银行向服务业经营主体发放的贷款,财政部门按照贷款本 金对经营主体进行贴息,贴息期限不超过1年,年贴息比例为1个百分点,中央财政、省级财政分别承担 贴息资金的90%、10%。单户享受贴息的贷款规模最高可达100万元。相关贷款包括用于改善消费基础 设施的固定资产贷款以及用于提升服务供给能力的流动资金贷款。同一笔贷款不得重复享受中央财政其 他贴息政策;已享受地方财政相关贴息政策的,此次贴息不得超出扣除已有贴息后的实际利率水平。 北京商报讯(记者 宋亦桐)8月12日,据财政部官网消息,为贯彻落实党中央和国务院关于大力提振消 费、全方位扩大国内需求的决策部署,财政部、民政部、人力资源社会保障部、商务部、文化和旅游 部、国家卫生健康委、中国人民银行、金融监管总局、体育总局发布关于印发《服务业经营主体贷款贴 息政策实施方案》的通知(以下简称《实施方案》)。 据了解,中央财政给予贴息的服务业经营主体贷款经办银行为21家全国性银行,包括国家开发银行、中 国进出口银行、中国农业发展银行、中国工商银行股份有限公司、中国农业银行股份有限公司、中国银 行股份有限公司、中国建设银行股份有限公司、交 ...
财政部等九部门:中央财政给予贴息的服务业经营主体贷款经办银行为21家全国性银行
Sou Hu Cai Jing· 2025-08-12 07:30
【免责声明】本文仅代表作者本人观点,与和讯网无关。和讯网站对文中陈述、观点判断保持中立,不 对所包含内容的准确性、可靠性或完整性提供任何明示或暗示的保证。请读者仅作参考,并请自行承担 全部责任。邮箱:news_center@staff.hexun.com 格隆汇8月12日|财政部、中国人民等九部门印发 《服务业经营主体贷款贴息 政策实施方案》,中央财 政给予贴息的服务业经营主体贷款经办银行为21家全国性银行,包括国家开发银行、中国、中国农业发 展银行、中国工商份有限公司、中国股份有限公司、()股份有限公司、中国股份有限公司、股份有限公 司、中国邮政储蓄银行股份有限公司、()股份有限公司、股份有限公司、()股份有限公司、股份有限公 司、()股份有限公司、()股份有限公司、股份有限公司、()股份有限公司、上海浦东发展银行股份有限公 司、恒丰银行股份有限公司、浙商银行股份有限公司、渤海银行股份有限公司。 ...
上市银行一季报资产质量保持稳定
Xin Hua Wang· 2025-08-12 06:27
展望二季度,中邮证券认为,政策有助于巩固银行基本面,二季度稳增长政策将成为银行业下阶段 表现的动力来源,成长性较高、资产优质、业务护城河较深的相关个股有望得到市场更多的关注。东兴 证券也表示,银行板块估值修复行情值得期待,建议优选财富管理领域具备客户基础、销售渠道、产品 服务体系先发优势的银行,以及具备区位优势且体制机制较为市场化的优质中小银行。 【纠错】 【责任编辑:刘睿祎】 此外,已披露一季报的上市银行资产质量整体保持稳定,不良贷款率大多持平或下降。例如,截至 今年一季度末,南京银行不良贷款率0.90%,较年初下降0.01个百分点;杭州银行不良贷款率为0.82%, 较上年末下降0.04个百分点;宁波银行不良贷款率0.77%,与年初持平,继续保持行业较低水平;常熟 银行不良贷款率0.81%,浙商银行不良贷款率1.53%,均与去年末持平。 上市银行一季报正在加速披露中。4月26日晚,宁波银行、苏州银行、平安银行分别发布2022年一 季度报告,一季度归母净利润分别同比增长20.80%、20.56%、26.83%。截至记者发稿时,已有9家上市 银行发布一季报。整体来看,已披露业绩的上市银行盈利保持稳健,归母净利润 ...
真金白银陆续进账 上市银行“分红大戏”正酣
Xin Hua Wang· 2025-08-12 06:26
Core Viewpoint - The A-share listed banks are significant dividend payers, with a total cash dividend distribution exceeding 540 billion yuan for the year 2021, marking a historical high in the banking sector [1][3]. Dividend Distribution - As of June 9, 2022, nine banks have distributed a total of 15.5 billion yuan in cash dividends, with four more banks set to implement their dividend distributions next week [1][2]. - The highest cash dividend distribution among the nine banks is from Jiangsu Bank at 5.9 billion yuan, while Guiyang Bank has the lowest at 1.1 billion yuan [2]. - Three banks have a cash dividend payout ratio exceeding 30%, with Qingdao Bank leading at 31.86% [2]. Future Dividend Expectations - An additional 27 A-share listed banks are expected to distribute over 503.5 billion yuan in dividends, with the six major banks (ICBC, ABC, BOC, CCB, Bank of Communications, and Postal Savings Bank) accounting for 70% of the total expected dividends [3]. - ICBC is projected to lead with a proposed dividend of over 104.5 billion yuan [3]. Dividend Yield - As of June 9, 2022, 18 listed banks have a dividend yield exceeding 5%, with 26 banks yielding over 4% [5]. - The dividend yield of these banks is significantly higher than the average returns of bank wealth management products, which ranged from 2.29% to 3.97% in 2021 [6]. Strategic Considerations - High dividend payouts are seen as a strategy to attract more investors and enhance the banks' image, contributing to stock price stability and market value management [2].
创新融资产品和服务,促进上下游企业协同发展——推动供应链金融行稳致远
Xin Hua Wang· 2025-08-12 06:20
Core Insights - The ongoing COVID-19 pandemic has significantly impacted physical enterprises, prompting financial institutions to enhance support for the real economy through targeted financial tools and measures [1] - Supply chain finance is increasingly recognized by entities as essential for maintaining the stability of the industrial chain, with banks actively collaborating with businesses to facilitate financing [2] Financial Institutions' Initiatives - China CITIC Bank has accelerated online product innovation, providing 495 billion yuan in supply chain financing to 20,000 enterprises in the first five months of the year, marking a 53% increase in customer numbers and a 46% increase in financing volume year-on-year [2] - Bank of China has optimized its "Zhongyin Zhilian" supply chain finance service system, offering over 1.8 trillion yuan in liquidity support and more than 960 billion yuan in trade and bill financing to core and upstream/downstream enterprises [3] - Agricultural Bank of China has developed financing products like "Receivable e-loan" and "Order e-loan" to support the dairy industry, providing 30.8 billion yuan across 40,705 financing transactions to agricultural enterprises [5] Collaboration and Innovation - Tianjin Rural Commercial Bank has established 24 demonstration banks to enhance financial services for key industrial chains, disbursing 2.65 billion yuan to 303 enterprises by the end of the first quarter [6] - Minsheng Bank has made significant progress in supply chain data financing projects, reducing the time from application to loan disbursement from two months to two hours for small and micro enterprises [7] Risk Management and Technology - Experts emphasize the need for comprehensive risk prevention across the entire supply chain, advocating for the use of big data and cloud computing to enhance credit information availability for small and micro enterprises [8] - The development of supply chain finance requires collaborative efforts from local governments, regulatory bodies, and financial institutions to create a conducive environment for innovation and support [9][10] Future Directions - Financial institutions are encouraged to leverage fintech innovations to provide tailored financing solutions for core enterprises, thereby alleviating the financial burden on upstream and downstream businesses [11]
浙商银行:不忘初心,金融服务绝不仅是锦上添花
Xin Hua Wang· 2025-08-12 06:19
今天刚满18周年的浙商银行,在新起点上将更有担当。浙商银行党委书记陆建强直言,在发展和定 位、探索和前进中,浙商银行走到了今天,他如数家珍般地说起浙商银行的昨天、今天和明天:"我说 的都是自家事,每天心里都惦念着,清清楚楚。" "不只在共同富裕示范区打造中寻找发展机会,更在这场创建中寻找责任和担当。"陆建强期待金融 力量在"两个先行"的关键节点上,有更大作为。 浙商银行18周年行庆 要打造首个企业文化日 站在新起点,浙商银行把"文化建设"作为发展的关键词。"金融文化的主题很好。金融不是钱的代 名词,文化才是金融的根基。"陆建强说。 陆建强还表示,"以后每年的8月18日前后,浙商银行都将着力打造文化宣传周。"事实上,这份传 承了18年的基因,从"严、实、优"开始,播下了新时代浙商创新务实、坚忍不拔的种子,注入了永争一 流、蓬勃向上的力量。现如今,浙商银行连续5年蝉联全球银行百强,今年位列79位,再攀新高。 "深耕浙江"的三年行动 服务小微的不变初心 "浙江省内每一个分行,针对当地县市的重点工作,浙商银行都匹配了金融工作专班。"陆建强说, 作为总部设立在浙江的唯一全国股份制银行及浙江省属法人银行,浙商银行把"深耕 ...
四大战略重点齐发力 浙商银行上半年业绩稳中向好
Xin Hua Wang· 2025-08-12 06:19
Core Viewpoint - Zhejiang Zheshang Bank has demonstrated solid growth and high-quality development in the first half of 2022, focusing on digital transformation and supporting the real economy, while achieving significant revenue and profit increases [1][2]. Financial Performance - In the first half of 2022, the bank achieved operating income of 31.74 billion yuan, a year-on-year increase of 22.53% [1]. - The net profit attributable to shareholders reached 6.974 billion yuan, up 1.8% year-on-year [1]. - Total assets amounted to 2.52 trillion yuan, growing by 10.26% compared to the end of the previous year [2]. - The total loans and advances reached 1.47 trillion yuan, an increase of 9.41% [2]. - Non-interest income improved significantly, totaling 8.503 billion yuan, a year-on-year increase of 53.90% [3]. Asset Quality - The non-performing loan ratio stood at 1.49%, a decrease of 0.04 percentage points from the end of the previous year [3]. - The provision coverage ratio increased to 185.74%, up 11.13 percentage points [3]. - The loan provision ratio rose to 2.77%, an increase of 0.09 percentage points [3]. Business Segments - The bank has strengthened its five major business segments, enhancing internal balance and growth foundations [4]. - Wealth management has seen significant growth, with agency business commission income increasing by 85.54% year-on-year [4]. - The corporate banking segment has doubled its supply chain finance balance and core enterprise count since the beginning of the year [4]. Strategic Focus - The bank emphasizes deepening its presence in Zhejiang, aligning with provincial economic goals, and supporting local businesses [5][6]. - It has launched various digital products and services to support the manufacturing sector and small and micro enterprises [6]. - The bank has implemented a "financial advisor" service model, visiting over 10,000 enterprises and providing financing support of nearly 260 billion yuan [6]. Future Outlook - Looking ahead, the bank aims to continue its digital transformation and focus on high-quality development, contributing to the economic stability and modernization of Zhejiang province [7].
浙商银行发行“共同富裕”主题小微专项金融债券
Xin Hua Wang· 2025-08-12 06:17
Group 1 - The core viewpoint of the news is that Zhejiang Zheshang Bank successfully issued a total of 10 billion yuan in microfinance bonds to support the construction of the Zhejiang Common Prosperity Demonstration Zone, enhancing its ability to serve the real economy and significantly reducing financing costs for small and micro enterprises [1][2] - The bond issuance consists of two varieties: the first with a scale of 5 billion yuan, a term of 3 years, and a coupon rate of 2.47%, and the second with a scale of 5 billion yuan, a term of 5 years, and a coupon rate of 2.85%, both attracting strong market interest with oversubscription ratios of 4.06 times and 4.08 times respectively [1] - The lead underwriters for this bond issuance are CITIC Securities and China International Capital Corporation, with a syndicate that includes various major banks and financial institutions, indicating broad market participation [1] Group 2 - In the first half of 2022, Zhejiang Zheshang Bank supported a total financing amount of 863.5 billion yuan within Zhejiang Province, with new loans exceeding 120 billion yuan, of which nearly 60 billion yuan was added within the province, accounting for nearly half of the total, marking a historical high [2] - The bank's bond underwriting in the province grew by 82.8% year-on-year, significantly outpacing the average growth rate of its peers in the province by nearly 80 percentage points, demonstrating its strong market position [2] - The bank has also provided 6 billion yuan in relief to small and micro customers in the first half of the year, implementing fee reductions to lower operational costs for enterprises, thereby injecting "financial vitality" into the real economy [2]
浙商银行“智造融通工程”助力浙江制造业“加速跑”
Xin Hua Wang· 2025-08-12 06:15
Group 1 - The core viewpoint of the news highlights the successful implementation of the "Zhejiang Intelligent Manufacturing Financing Project" by Zheshang Bank, which has provided significant financial support to manufacturing enterprises in Zhejiang province, exceeding the initial target of 100 billion yuan [1][2][8] - Zheshang Bank has served over 1,900 manufacturing enterprises, providing a credit limit of 133.58 billion yuan and a financing balance of over 60.65 billion yuan, demonstrating a strong commitment to supporting the local manufacturing sector [1][2] - The bank has focused on enhancing financial service precision by targeting key technology transformation projects and advanced manufacturing clusters, thereby addressing the financing challenges faced by local manufacturers [2][3] Group 2 - The "Zhejiang Intelligent Manufacturing Financing Project" has facilitated the transition of traditional industries from "manufacturing" to "intelligent manufacturing," offering comprehensive financial solutions that include financing, asset procurement, and service integration [3][4] - Zheshang Bank has implemented innovative supply chain financial services to strengthen key industrial chains, providing a package of online financial services to support both core enterprises and their upstream and downstream partners [4][5] - Since 2020, the bank has supported 215 core enterprises in key industrial chains, extending assistance to nearly 3,100 clients in the supply chain, with a financing balance of 19.4 billion yuan [5] Group 3 - Zheshang Bank has increased its support for "specialized, refined, characteristic, and innovative" small and medium-sized enterprises, providing a financing balance of over 11.5 billion yuan to these businesses by the end of 2022 [6][7] - The bank has established a comprehensive financial service framework tailored to the diverse needs of enterprises at different growth stages, ensuring precise and effective support [7] - Moving forward, Zheshang Bank aims to collaborate with the Zhejiang Provincial Economic and Information Technology Department to achieve a new financial support target of 200 billion yuan, focusing on digital transformation and the cultivation of emerging industries [8]
“数”通上下、“链”润实体, 浙商银行供应链金融新模式助力产业能级提升
Xin Hua Wang· 2025-08-12 06:14
衢州市开化县音坑乡的农户叶友录只要跟人闲聊就极力推荐屋顶光伏电站和光伏贷,笑称"平均每 年增收8000元,相当于多了一笔养老钱"。老叶这一致富小能手的实现,正是得益于浙商银行的供应链 金融服务。 浙商银行在不断升级供应链金融服务模式的过程中发现,不同行业供应链融资存在差异化需求,须 从行业需求出发,分析行业在生产、采购、订单、支付、销售全场景的典型性特征,通过数字化应用, 分类施策提供行业供应链金融服务解决方案。 中央金融工作会议指出,要坚持把金融服务实体经济作为根本宗旨,要优化资金供给结构,把更多 金融资源用于促进科技创新、先进制造、绿色发展和中小微企业。浙商银行供应链金融新模式,就是在 服务实体、优化金融资源配置方面的一项成功探索。 近年来,浙商银行抓住数字化供应链金融发展机遇,主动投入数字化改革大潮,全力助推数字经济 创新提质"一号发展工程",围绕链上中小企业融资需求,坚持创新深化、高效联动,建设数字化供应链 金融平台,提升数据治理能力,释放数据要素价值,构建数智金融服务能力,全力保障中小微企业融资 畅通,助推浙江产业链供应链高质量发展。 创新应用 升级全链条、全场景、全产品的数智化供应链金融服务 "降 ...