弘扬票据文化，坚持服务经济本质

Group 1 - The article emphasizes the importance of promoting bill culture as a foundation for building a strong financial nation and adapting to new requirements in the modern era [1][3] - The State Council has issued guidelines focusing on enhancing financial institutions' service capabilities and supporting key areas, including small and micro enterprises, technology innovation, and green development [3][5] - The bill market plays a crucial role in providing high-quality services for economic and social development, with commercial banks actively responding to policy directions by offering targeted financing solutions [3][5] Group 2 - Statistics indicate that 98.2% of small and micro enterprises use bills, accounting for 78.1% of the total bill amount, with an average discount rate of 1.51%, which is 183 basis points lower than the average loan market rate [5] - The article outlines the core values of Chinese financial culture, emphasizing integrity, prudence, and compliance, which are reflected in the practices surrounding bill culture [5] - The promotion of bill culture is linked to supporting new developments in the consumer market, with a focus on resolving issues like overdue payments, which are essential for fostering credit [7][11] Group 3 - The Central Economic Work Conference in December 2024 highlighted the need for technological innovation to drive new productivity, with bills playing a unique role in connecting national policies with enterprise needs [9][10] - Financial institutions are encouraged to develop innovative products that align with strategic priorities such as manufacturing strength and green enterprises, leveraging the advantages of bill products [10] - The People's Bank of China and other departments are working to improve financing mechanisms for private enterprises, with bills serving as an effective financial tool to reduce financing costs [12]