发展指标居首，风险指标最优！济南以“双试点”为翼绘就金融业高质量发展图景

Core Viewpoint - The financial industry in Jinan is experiencing positive development, with key indicators such as financial value added, deposit and loan balances, premium income, and direct financing amounts leading in Shandong province, while maintaining optimal risk indicators like non-performing loan rates [1][3]. Group 1: Financial Industry Development - In 2024, Jinan's financial industry value added reached 109.75 billion, a year-on-year increase of 9.2%, surpassing the national growth rate of 3.6% [3]. - As of September this year, the balance of loans in Jinan's financial institutions was 3.45 trillion, reflecting a year-on-year growth of 10.3%, with an increase of 287.06 billion since the beginning of the year [3]. - The overall economic situation in Jinan is favorable, driven by rapid growth in emerging industries such as aerospace information, artificial intelligence, robotics, and new energy equipment [3]. Group 2: Financial Innovation and Support Systems - Since being approved as the first national pilot zone for financial reform in science and technology in 2021, Jinan has focused on promoting a virtuous cycle of "technology-industry-finance" [4]. - Jinan has established a "six specialties and four valuations" work system to address corporate financing challenges, which includes specialized institutions, products, policies, expert teams, and focused cultivation of professional platforms [4]. - The "Research Loan" product launched by Qilu Bank offers a maximum credit term of 10 years and supports flexible collateral methods, covering various funding needs [4]. Group 3: Digital Currency and Financial Technology Innovation - Jinan was approved as a digital RMB pilot city in December 2022 and as a capital market financial technology innovation pilot city in June 2023, making it a unique northern city with both pilot statuses [6]. - By the end of November, Jinan had opened 4.9891 million digital RMB wallets, with a total transaction volume of 48.771 billion, ranking high among pilot cities [6]. - The city has initiated a "dual guidance model" combining financial and technological support, assisting over 3,900 enterprises in securing more than 96 billion in financing [4][7]. Group 4: AIC Pilot and Capital Market Development - Since being approved as an AIC equity investment pilot city, Jinan has successfully coordinated the establishment of AIC funds, with an initial scale of 5 billion [10]. - Jinan has completed 6 AIC investments totaling approximately 624 million, with 13 projects in the pipeline [10]. - The city has added 19 new listed companies since the beginning of the "14th Five-Year Plan," with a total of 60 listed companies and a market capitalization exceeding 800 billion [10].