从风光无限到低调内敛，曾经在银行信用卡市场中扮演着重要角色的联名信用卡，如今正在面临成 本与收益的制衡。与此同时，各家银行对联名信用卡的发展思路也更趋向于在深思熟虑后再做决定。 今年以来，多家主要银行相继停发或调整了部分联名信用卡产品。不可否认的是，联名信用卡的停 发，反映出银行信用卡业务格局的重塑。 年内多家银行联名信用卡停发 业内专家认为，银行联名信用卡的合作授权一般有期限约定，在合作到期后，出于版权需要，银行 会停发该合作授权的联名产品。 但除此之外，银行信用卡市场整体发展思路的转变，也是各家银行调整联名信用卡发卡计划的重要 原因。 "在信用卡新规的作用下，信用卡已逐渐从低质量的'拉新'向高质量的'留存'转变。联名信用卡作 为'获客'的作用在下降。"业内人士告诉《金融时报》记者，在多重因素促使下，信用卡业务正从拓客 思维转向以价值贡献驱动，现阶段各家银行更看重的是提升信用卡业务的核心竞争力。 银行信用卡业务迎来重要转型 业内专家普遍认为，联名信用卡停发释放的信号是信用卡行业整体正在进入战略重构期。 目前，各家银行对联名信用卡的规划调整仍未停止。"今年信用卡权益变动很大，调整仍在继 续。"某国有大型银行信 ...

"真是没想到！这笔钱还能追回来，感谢建设银行！"近日，一笔1500美元的跨境被骗资金，历经波 折，被安全地全额返还至建行玉溪分行客户王先生的账户上。 9时07分，建行玉溪分行某支行外汇业务窗口的系统提示打破了晨间的宁静。外汇客户经理扶了扶 眼镜，屏幕上的语句让他瞳孔骤缩。 "王先生吗？您是否向境外账户汇出过1500美元？"电话那头传来无奈的声音："是……是诈骗！" "唉，就前几天的事儿，我陷在那个'高额返利'的坑里，钱都汇到国外去了。现在想想真是又悔又 恨！这钱想追回来，基本没戏。这种往境外转的钱，藏得深、路子野，根本摸不着边儿，太难查、太难 追了……我这心啊，算是彻底凉透了，感觉这笔钱算是彻底打水漂了。" "请您保持通话，我们正在启动应急机制！"支行客户经理在确认客户遭遇电信网络诈骗后，指尖在 键盘上翻飞，每一分钟都关乎资金能否成功拦截，必须争分夺秒，抢在资金转移前完成阻断。 他随即调取了客户账户交易流水、登录日志、设备信息，并与客户口述内容进行交叉验证，核实转 账时间、金额、收款方等信息。同时他还仔细检查了是否有可疑的账户设置变更、密码修改、手机号绑 定变更、交易限额异常提升等信息。盯着屏幕不停地切换系统 ...

Core Viewpoint - The financial system in Mudanjiang is actively promoting the revitalization of revolutionary old areas by integrating the spirit of the Anti-Japanese War into modern financial services, aiming to support local development through targeted financial initiatives [1][2]. Financial System's Mission - Mudanjiang, a key area for the Northeast Anti-Japanese United Army, has seen the establishment of the "Red Financial Service Alliance" led by the People's Bank of China, involving 21 banking institutions and 6 insurance companies to support the revitalization of revolutionary old areas [2]. - As of June 2025, the loan balance for revolutionary old areas in Mudanjiang reached 29.8 billion yuan, a year-on-year increase of 15.7% [2]. Service Innovation - The introduction of the "Red Cultural Tourism Loan" by the Postal Savings Bank of Mudanjiang provides 5 million yuan in low-interest loans to support local red tourism projects, significantly boosting local tourism and income [3]. - Agricultural Bank of Mudanjiang has implemented a supply chain financial model for rice cultivation, issuing loans totaling 800 million yuan to support the establishment of high-standard rice planting bases [4]. Inclusive Finance - The establishment of 136 rural financial service stations and 582 cash withdrawal machines in revolutionary old areas has improved access to financial services [6]. - The Longjiang Bank has provided 300 million yuan in subsidized loans to support over 1,200 entrepreneurial projects, creating more than 5,000 jobs [6]. Party Building and Development Synergy - Financial institutions in Mudanjiang are leveraging party building to enhance community engagement and support local development, including organizing financial knowledge seminars and providing targeted financial services for key projects [7]. - The China Bank has allocated 1.8 billion yuan in loans to support major projects in revolutionary old areas, demonstrating the commitment to local economic development [7]. Conclusion - The integration of financial resources with the spirit of the Anti-Japanese War is revitalizing Mudanjiang, fostering a path towards common prosperity and sustainable development [8].

Group 1 - The core viewpoint emphasizes the urgent need for financial institutions to support technology startups due to high innovation costs, significant investments, and a lack of collateral [1][2] - The People's Bank of China and seven other departments have launched a work plan to enhance financial services for technology firms, focusing on early, small, long-term, and hard technology investments [2][5] - Financial institutions are innovating new service models to support early-stage technology companies, with commercial banks increasingly willing to provide loans to startups [2][3] Group 2 - The "Technical Flow" credit evaluation system by Industrial Bank has successfully provided loans totaling nearly 850 billion yuan to over 15,000 enterprises, addressing funding needs during critical phases of development [3][7] - Beijing Zhongguancun Bank has introduced the "Hui Chuang Loan" product, which assesses credit based on talent evaluation, including educational background and technical capabilities [4][6] - The government has emphasized the importance of supporting early-stage technology firms, leading to the establishment of a financial support system that integrates equity investment and loan mechanisms [5][6] Group 3 - Banks are actively exploring new models of investment-loan linkage to broaden financing channels and meet diverse financial needs of technology companies [6][7] - The Industrial Bank has partnered with external financial resources to create a 20 billion yuan industry cluster fund targeting key sectors such as electronic information and biomedicine [7][8] - Construction Bank is building a technology financial ecosystem by connecting various stakeholders, providing comprehensive services that include financial support, incubation, and industry guidance [8]

Core Viewpoint - The development of technology finance is essential for accelerating the construction of a strong financial nation and fostering new momentum for high-quality development [1] Group 1: Financial Support for Technology Enterprises - Local financial management departments and institutions are encouraged to implement detailed measures to support technology finance, including enhancing credit support for technology innovation [1][5] - Hunan Lihua Houpu Technology Co., Ltd. received a loan of 10 million yuan based on the assessed value of its intellectual property, highlighting the importance of patents in financing [2] - The People's Bank of China in Zhuzhou has issued implementation opinions to guide banks in focusing credit resources on technology enterprises [2][3] Group 2: Innovative Financial Products - Zhuzhou Construction Bank has introduced "Technology Loans" to support technology enterprises in key industries, while Zhuzhou Rural Commercial Bank has developed various loan products tailored to the needs of technology firms [3] - The cumulative issuance of "intellectual property pledge" loans reached 91.1 million yuan, benefiting 630 technology enterprises in Zhuzhou [3] - The average interest rate for technology loans in Zhuzhou is 3.75%, which is 68 basis points lower than the average rate for general loans [6] Group 3: Efficient Financial Services - Companies like Lifan New Energy have benefited from quick loan approvals, receiving 10 million yuan in "Technology e-loans" within 10 minutes, showcasing the efficiency of banking services [4] - Since 2024, banks have issued a total of 1.495 billion yuan in technology loans, indicating a strong commitment to supporting technology enterprises [4] Group 4: Government and Bank Collaboration - The People's Bank of China has established a 500 billion yuan re-lending program at a 1.75% interest rate to support technology innovation and transformation [5] - A total of 57 projects have been approved under this re-lending program, with a financing demand of 2.62 billion yuan [5] Group 5: Financing Connection Activities - Recent financing connection activities have facilitated partnerships between over 160 technology enterprises and banks, resulting in signed agreements totaling 7.35 billion yuan [7][8] - The People's Bank of China in Zhuzhou has organized 17 financing connection events, leading to the implementation of 92 loan projects worth 16.85 billion yuan [8] - A specialized service mechanism for quality technology enterprises has been established to enhance the coverage of high-tech enterprises [8]

近日，建行上海市分行与上海数据交易所（以下简称"上海数交所"）合作，依托上海数交所"数易 贷"开展数据资产金融创新，为维智科技提供3000万元授信。这是目前授信金额最高的"数易贷"，帮助 数据要素型企业拓宽融资渠道、提高资产使用率，为更多"轻资产、重数据"的企业利用数据资产进行融 资提供了可借鉴的经验。 对于金融机构和企业而言，数据资产融资既是机遇，也是挑战。王建平表示，数据资产融资面临确 权难、估值难、托管难、处置难等难题。在确权方面，数据资产融资需要明确资产权属，但数据的易复 制性和多主体参与性使确权困难，当前政策和法律仍需进一步明确数据资产的持有权、使用权和经营 权。估值方面，数据资产的价值因应用场景而异，现有的估值方法不够成熟，难以全面反映数据资产的 市场价值。托管方面，数据资产托管需要安全的基础设施和完善的制度保障，以确保资产的安全与合 规，防止重复融资和数据滥用。处置方面，数据资产价值波动大，变现难度高，受市场、法律和数据特 性限制，确权难、估值难和处置机制不健全都加大了处置难度。 维智科技是国内领先的时空人工智能产业赋能平台。据维智科技市场总监韩萍萍介绍，今年上半 年，该企业的多个行业产品完成数 ...

Group 1: Background of Banks Focusing on Corporate Clients - The rise of industrial digitalization presents opportunities for banks to overcome challenges in traditional supply chain finance, enabling better access to real-time and reliable data [1] - The integration of big data, AI, and IoT technologies allows banks to identify potential risks and monitor new types of collateral in real-time, facilitating a shift towards a more intelligent supply chain finance model [1] Group 2: Promoting High-Quality Development of Inclusive Finance - Despite efforts to advance inclusive finance, banks face challenges in serving the diverse needs of small and micro enterprises, leading to incomplete and uneven service [2] - By leveraging financial technology, banks can better understand enterprise operations and provide comprehensive "financial + non-financial" services, enhancing customer satisfaction and loyalty [2] Group 3: Implementing the Five Key Financial Areas - The central financial work conference outlines five key areas for banks: technology finance, green finance, inclusive finance, pension finance, and digital finance, guiding future development [3] - Engaging in corporate scene finance can help banks address challenges such as talent shortages and information asymmetry, enabling them to provide tailored financial products and services [3] Group 4: Development Strategies for Corporate Scene Finance - Banks need to carefully select corporate finance scenes based on their resources and strategic goals, integrating these into their overall development plans [4] - Establishing industry selection principles and internal organizational structures is crucial for the sustainable development of scene finance [4] Group 5: Intelligent Transformation of Supply Chain Finance - Banks are adopting advanced technologies like big data, AI, and IoT to upgrade supply chain finance, enhancing data integration and creating intelligent systems [5] - The goal is to develop automated business models that can be applied in specific scenes, thereby deepening the supply chain finance landscape [5] Group 6: Empowering Merchant Operations - Banks are providing differentiated operational tools such as IaaS, PaaS, and SaaS to support the digital transformation of merchants and small enterprises [6] - By exploring new technologies like IoT and blockchain, banks aim to offer comprehensive solutions that reduce costs and improve operational efficiency [6] Group 7: Comprehensive "Financial + Non-Financial" Service Orientation - Banks are increasingly offering integrated "financial + non-financial" services to meet diverse customer needs, leveraging high-frequency non-financial scenarios to drive financial engagement [7] - Collaborations with various industries help create unique service offerings, enhancing customer experience and satisfaction [7][8] Group 8: Innovative Practices in Corporate Scene Finance - The digital supply chain finance sector is undergoing transformation, with banks like Ping An leveraging IoT and satellite technology to create a new supply chain finance model [9] - This model addresses financing challenges for small and micro enterprises by reducing reliance on core enterprise credit [9] Group 9: Innovations in Smart Agriculture - In the context of rural revitalization, banks are focusing on the livestock industry, utilizing IoT and AI to create innovative financial models that address the lack of traditional collateral [10] - New products like "Smart Livestock Loans" and advanced risk control technologies are being developed to support this sector [10] Group 10: Innovations in Smart Canteens - Banks are innovating in the smart canteen sector to enhance customer engagement and operational efficiency, employing technologies like facial recognition and AI for seamless service [11] - Collaborations with companies like Meituan are aimed at improving dining experiences while driving financial demand [11] Group 11: Innovations in Smart Parks - Smart parks are becoming a focal point for banks, leveraging technologies like big data and cloud computing to provide diverse services and enhance user experience [12] - The development of a smart park management system allows banks to analyze data and improve operational efficiency [12]

2025年中央一号文件明确提出推广畜禽活体抵押融资贷款，将畜禽活体农业生产核心转化为金融机 构认可的抵押标的，为推动地方特色养殖产业发展带来全新机遇。宁夏吴忠市地处国际公认的"黄金奶 源带"，现已形成利通区五里坡、吴忠国家农业科技园区、青铜峡市牛首山三大奶牛养殖核心区，奶牛 存栏量30.8万头，占宁夏奶牛存栏量的33%，规模化养殖率达到98%以上，饲草种植、奶牛养殖、乳品 加工、冷链物流、印刷包装等上下游贯通的全产业链综合产值超过300亿元，占地区生产总值的32%左 右，奶产业已发展成为吴忠市"六大"农业重点特色产业之一。 近年来，中国人民银行吴忠市分行坚持聚焦乡村振兴金融服务提升目标，积极探索拓宽农村抵质押 物范围，推动盘活农村活体资产，为乡村振兴特色产业发展破解融资难题。目前，吴忠市开展活体抵押 贷款的银行机构已增至10家，活体抵押贷款余额达到7亿元，支持养殖主体110户，其中奶牛活体抵押贷 款余额6.2亿元。 政策赋能，破解活体抵押困局。随着农业产业现代化步伐加快，吴忠市养殖主体在规模化养殖、智 能化升级、技术研发等领域的资金需求持续扩大。但在传统金融模式下，养殖主体往往缺乏符合标准的 固定资产抵押物， ...

近日，华北部分地区连降暴雨。北京市自7月24日起连续出现强降雨，尤其是北部的密云、平谷、 怀柔、延庆等区短时雨强和累计雨量大，部分地区出现大暴雨，局地特大暴雨，造成人员伤亡和财产损 失。 7月28日，北京市防汛指挥部启动全市防汛一级应急响应。据悉，截至7月28日24时，北京全市平均 降水量165.9毫米，最大降水量543.4毫米，达到特大暴雨级别，这一数字已接近北京市600毫米左右的平 均年降水量。 人民至上，生命至上。党中央、国务院高度重视，迅速指导开展一系列应急响应和防汛救灾工作。 闻"汛"而动，在金融管理部门指导下，受灾地区银行保险机构第一时间启动应急响应，迅速开展防汛救 灾工作，全力确保金融服务畅通，筑牢保障人民群众生命财产安全的"金融防线"。 紧急驰援 为受灾群众送去暖心服务 "百余名游客被困超过48小时，通信设备电量告急。" 7月26日晚，北京怀柔区部分地区遭遇暴雨袭击，强降雨引发洪水和山体滑坡，多个村庄受灾，尤 其是琉璃庙镇多个村庄出现断电断路断通信的情况，灾害导致琉璃庙地区不少游客被困。紧急时刻，工 商银行北京怀柔支行接到了区文旅局的求助，恳请工行协助调配充电宝等应急物资，保障被困游客基本 通 ...

柜台债券市场即将迎来全面扩容。2024年2月29日，中国人民银行发布的《关于银行间债券市场柜台业 务有关事项的通知》（以下简称《通知》）提到，从今年5月1日起，进一步扩大柜台债券投资品种。随 后，中国人民银行召开柜台债券业务座谈会，再次强调了柜台债券业务的重要意义。 在业内人士看来，推动柜台债券市场高质量发展有利于拓宽居民投资渠道、优化融资结构，促进多层次 债券市场发展。柜台债券市场扩容后，市场潜力和发展空间将大幅提升。 《证券日报》记者从多家国有大行独家了解到，为迎接柜台债券业务发展新机遇，其已开展多项相关筹 备工作，有银行在推进内部制度办法更新修订，还有银行拟在5月份首个工作日增加报价债券品类和债 券供给规模等。 柜台债券投资品种扩大 推动多层次债券市场发展 截至2023年末，我国债券市场余额158万亿元，是全球第二大债券市场。目前，我国居民直接持有的政 府债券规模较小，与成熟债券市场相比还有很大提升空间。 "柜台债券作为标准化金融产品，具有收益稳定、资金安全、信息透明等比较优势。"招联首席研究员董 希淼对《证券日报》记者表示，针对个人投资进一步优化相关机制安排，有利于更好地满足居民投资理 财需求。 对商 ...