2020年《海南自由贸易港建设总体方案》发布以来，中国人民银行持续完善与海南自贸港相适应的金融 政策和制度体系，扎实做好金融改革发展稳定各项工作，有力支持海南自贸港建设成型起势。 12月18日，海南自由贸易港将要正式启动全岛封关。据悉，封关三项金融准备工作全部完成。 一是跨境资金流动管理制度进一步完善。《海南自由贸易港多功能自由贸易账户业务管理办法》制定发 布，为跨境资金自由流动提供制度保障。 二是多功能自由贸易账户上线运行。 多功能自由贸易账户（EF账户）是中国人民银行和国家外汇管理局贯彻落实党中央、国务院决策部 署，为支持海南自由贸易港跨境资金高水平自由便利流动，服务海南实体经济发展，构建的本外币合一 账户体系。据悉，自EF账户上线以来，系统运行平稳，试点企业不断增加，业务量持续提升。截至 2025年10月末，海南省共有11家银行上线EF账户，分别为工行、农行、中行、建行、交行、中信、浦 发、招行、光大、兴业和国开行的省级分行，共开立EF账户658个，其中，EFN账户362个，EFE账户 292个，EFF账户2个，EFU账户2个。EF账户发生业务量折合人民币2689亿元。开户主体通过EF账户与 80个国家 ...

Group 1 - The 2025 M&A Financial Conference was successfully held in Shanghai, coinciding with the one-year anniversary of the "Shanghai Municipal Support for Listed Companies' M&A and Restructuring Action Plan (2025-2027)" [2] - The "China M&A Comprehensive Index (2025)" was released during the conference, indicating that from Q4 2024 to Q3 2025, the Yangtze River Delta region accounted for 45% of the total number of M&A transactions in China, with transaction amounts representing approximately 60% of the comparable national total [2][3] - The Yangtze River Delta, comprising Shanghai, Jiangsu, Zhejiang, and Anhui, has emerged as a core growth engine for China's M&A market [2] Group 2 - A "M&A Alliance" was jointly initiated by Shanghai Pudong Development Bank, China Pacific Insurance (Group) Co., Ltd., and Guotai Junan Securities during the conference, aiming to seize greater opportunities in the M&A market [2] - The alliance's action plan commits to facilitating over 1.2 trillion yuan in M&A transactions nationwide and over 400 billion yuan in Shanghai from 2025 to 2027, serving more than 1,200 clients [2] - Shanghai Pudong Development Bank, a leading institution in China's M&A finance sector, has issued over 100 billion yuan in M&A loans, with a balance exceeding 240 billion yuan, promoting the service brand "For M&A, Choose Pudong Development Bank" [2]

Core Viewpoint - The article highlights the challenges faced by technology-oriented small and micro enterprises in securing funding due to their asset-light nature, lack of collateral, and long R&D cycles. It emphasizes the role of SPDB Changchun Branch in providing financial support through its "Puxin Loan" product, which facilitates seamless loan renewals to sustain innovation in these companies [1][2]. Group 1: Challenges Faced by Technology Enterprises - Technology-oriented small and micro enterprises often experience funding pressure during loan renewals due to characteristics such as being asset-light, lacking collateral, and having long R&D cycles [1]. - A specific case is presented where a high-tech company in Jilin Province, recognized as a specialized and innovative small and medium-sized enterprise, faced difficulties in repaying a loan while needing funds for R&D and production upgrades [1]. Group 2: SPDB Changchun Branch's Solutions - SPDB Changchun Branch focuses on the full lifecycle needs of technology enterprises, utilizing the "Puxin Loan" product to support these companies through a no-repayment renewal mechanism [1]. - The bank's team assessed the company's patent value, R&D investment, and market orders to facilitate a loan renewal of 10 million yuan within three working days, without requiring additional collateral [1]. Group 3: Future Plans - The bank plans to continue implementing inclusive finance policies and establish clear standards for technology loan renewals, ensuring that technology enterprises can secure financing effectively [2].

从需求对接、方案设计到审批放款，浦发银行长春分行仅用10个工作日便完成全流程办理，4户商户均 实现"一次申请、批量获批"。该场景化服务模式不仅提高了融资效率，更通过集中授信降低了单个企业 的融资成本。浦发银行长春分行将持续复制该模式，深化与农业产业平台合作，让更多产业链末梢的小 微企业获得稳定资金支持。（商斯扬） 编辑：赵鼎 转自：新华财经 浦发银行长春分行紧跟总行"浦绘乡村"品牌建设步伐，围绕"5+4+N"乡村振兴金融服务体系，以"平台 化+批量服务"模式，将金融服务嵌入产业链场景，通过定制化方案破解农产品流通领域小微企业融资 难题。近日，针对长春某玉米批发平台内商户资金需求，浦发银行长春分行量身打造批量融资方案，一 次性为4户核心交易商授信4000万元，为秋粮收购注入金融动能。 浦发银行长春分行组建专项服务团队深入调研，创新采用"核心平台+商户"批量服务模式：以该批发中 心交易数据、结算流水为授信依据，由平台提供信用增信，为入驻商户设计统一授信方案。吉林省某粮 食贸易公司作为首批受益企业，常年为本地饲料厂供应玉米，此次获批1000万元授信额度后，迅速完成 新粮收购入库。 ...

Group 1 - The "Sugar Industry Worry-Free" project in Tian Dong County successfully completed insurance coverage for 3,026 sugarcane farmers, providing a total risk guarantee of approximately 102 million yuan for 34,000 acres of sugarcane [1] - The project is a collaborative effort involving multiple parties, including Guotai Junan Futures, Ping An Property & Casualty Insurance, and various local banks, showcasing effective cooperation among government, futures, insurance, and enterprises [1][2] - The project aims to create a risk management loop by integrating insurance, futures, and sugar enterprises, effectively transforming income volatility risks faced by farmers into understandable "income insurance" [2] Group 2 - The successful completion of the insurance coverage marks the beginning of services, with futures risk management subsidiaries set to utilize the futures market for risk hedging [3] - SPD Bank Nanning Branch's involvement aims to provide innovative financial services combining insurance, futures, and credit, addressing the financing needs of both core enterprises and upstream farmers [3] - The project exemplifies financial innovation that supports the real economy and rural revitalization, providing a replicable model for financial support in the agricultural sector [4]

证券代码：603190 证券简称：亚通精工 公告编号：2025-111 烟台亚通精工机械股份有限公司 登录新浪财经APP 搜索【信披】查看更多考评等级 关于提前归还临时补充流动资金的 公司在该部分闲置募集资金临时用于补充流动资金期间，对资金进行了合理的安排与使用，没有影响募 集资金投资计划的正常进行，资金运用情况良好。 截至本公告披露日，公司已将用于补充流动资金的1.8亿元闲置募集资金提前归还至公司募集资金专用 账户，并及时将上述资金归还情况通知了保荐机构和保荐代表人。其余用于临时补充流动资金的募集资 金将在到期之前归还，届时公司将及时履行信息披露义务。 特此公告。 烟台亚通精工机械股份有限公司董事会 2025年12月17日 证券代码：603190 证券简称：亚通精工 公告编号：2025-112 烟台亚通精工机械股份有限公司 关于使用暂时闲置募集资金进行现金管理到期赎回的公告 闲置募集资金的公告 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容 的真实性、准确性和完整性承担法律责任。 烟台亚通精工机械股份有限公司（以下简称"公司"）于2025年1月10日召开第二届董事 ...

Fund Overview - The fund named "泉果竞争优势混合型证券投资基金" received approval from the China Securities Regulatory Commission on November 28, 2025 [1] - The fund is classified as a mixed securities investment fund and operates as a contractual open-end fund [1][21] - The minimum total subscription amount for the fund is set at 200 million units, with a minimum fundraising amount of 200 million RMB [18][19] Subscription Details - The public offering period for the fund is from January 13, 2026, to January 26, 2026, with the possibility of extension based on fundraising conditions [4][22] - The minimum subscription amount is 1 RMB, and the minimum additional subscription amount is also 1 RMB [2][24] - For direct sales, the minimum initial subscription amount is 50,000 RMB, while the minimum additional subscription amount is 10,000 RMB [2][24] Investor Eligibility - The fund is open to individual investors, institutional investors, qualified foreign investors, and other investors permitted by laws and regulations [1][17] - Investors must open a fund account with the management company to subscribe to the fund [2][37] Fund Management and Custody - The fund is managed by 泉果基金管理有限公司, and the custodian is 上海浦东发展银行股份有限公司 [1][55] - The management company has the authority to adjust the fundraising scale and set control plans based on actual conditions [19] Sales and Distribution - The fund can be subscribed through direct sales and various distribution agencies, with specific details available on the management company's website [20][57] - The management company may change or add sales institutions as required by laws and regulations [12][57] Fund Operation - The fund's shares are priced at 1.00 RMB per share [17] - The fund's operation period is indefinite, allowing for flexibility in investment strategies [17]

Core Viewpoint - The article highlights the commitment of SPD Bank's Lanzhou branch to serve the real economy through innovative financial solutions, particularly in supply chain finance, which has become a primary focus area for enhancing regional economic resilience [1][7]. Group 1: Supply Chain Finance Initiatives - SPD Bank's Lanzhou branch has established supply chain finance as its main track, launching a series of effective solutions to address challenges in the industrial chain and enhance economic resilience [1][7]. - The bank has created the "浦链通" product to facilitate the smooth flow of funds within the industrial chain, thereby energizing the development of upstream and downstream enterprises [1][7]. - The bank's initiatives include the "浦链铁军" team, which integrates party building with business development to promote widespread understanding and implementation of supply chain finance [2][8]. Group 2: Focus on Cultural and Tourism Industry - The bank has introduced the "浦链通+浦掌柜" comprehensive financial service plan to support the cultural and tourism sector, addressing financing difficulties faced by small and medium-sized enterprises [3][9]. - This year, the bank has provided approximately 100 million yuan in financing to the cultural and tourism industry, successfully implementing a case study involving a 5A scenic area [3][9]. Group 3: Support for Key Enterprises - SPD Bank has collaborated with the People's Bank to offer online accounts receivable financing services to the JinChuan Group, a Fortune 500 company, providing over 600 million yuan in financing to its supply chain [4][10]. - The financing service leverages the integration of information flow, business flow, capital flow, and logistics to enhance efficiency across the supply chain [4][10]. Group 4: Addressing Industry Pain Points - The bank has developed a unique supply chain business model to address the long payment cycles and slow financing in the construction industry, facilitating rapid fund recovery for suppliers [5][11]. - The "浦链通" product has enabled online operations for accounts receivable, serving nearly 150 suppliers in the construction sector and providing over 300 million yuan in financing [5][11]. Group 5: Deepening Energy Sector Engagement - SPD Bank has focused on providing tailored financial solutions for the energy sector, particularly for the State Grid, with over 2.5 billion yuan in funding to support green energy initiatives [6][12]. - The bank has introduced innovative financial products to alleviate cash flow pressures for electricity-consuming enterprises, enhancing the efficiency of fund circulation within the energy supply chain [6][12].

议案1为关于豁免本次持有人会议召集、召开程序的相关时限要求的议案。为提速解决进程，议案提请 持有人同意缩短会议公告披露、议案发送等流程时限。调整后，12月15日完成会议公告及议案发送，12 月16日15:00前为补充议案提交截止时间，同日完成最终议案披露，12月22日10:00前将结束全部表决。 议案2为调整中期票据本息兑付安排的议案。核心方案为将20亿元本金兑付展期12个月至2026年12月15 日；2025年12月15日到期的6000万元应付利息，将在宽限期内（2025年12月22日前）支付。宽限期及展 期内，债券票面利率维持3%不变，宽限期内未偿付本金计息、利息不计复利，展期新增利息随本金一 同支付。值得注意的是，此次展期将由万科提供相应增信措施。 议案3为延长本期中期票据的宽限期的议案。将本期中期票据存续期内的本息兑付日之宽限期由5个工作 日延长至30个交易日，调整后宽限期届满日为2026年1月28日，宽限期内不视为发行人违约，不产生罚 息、违约金等额外成本，未偿付本金按票面利率计息且利随本清，未偿付利息不额外计息。 首笔债券展期方案遇阻后，万科推出新的解决方案。12月16日晚间，上海浦东发展银行股份 ...

随着数字技术与实体经济的深度融合以及客户行为与市场环境的深刻变迁，数智化转型已成为银行 业金融机构高质量发展、打造新质生产力的关键引擎。 当转型步入深水区，银行业金融机构对数智化的需求早已不是最初简单的技术叠加，而是向着更高 级别、更多联结、更广覆盖的金融生态转变。 从底层筑基到业务赋能，这场以技术为引擎、以客户为中心的深层次变革，正在从局部试点探索向 全流程、全体系的纵深推进阶段阔步前行，中国银行业已步入数智化转型的加速轨道。 升级核心系统 为转型发展筑基 "未来的银行必然是数字银行。"北京银行董事长霍学文在该行2025年半年度业绩说明会上道出了银 行业金融机构争先布局数智化转型的重要原因。 欲筑室者，先治其基。数智化转型的深化，绕不开底层核心系统的升级与革新。换言之，银行业数 智化转型的关键，在于借助技术力量重塑业务内核，以实现自身运营提效、客户体验升级和市场破局。 今年以来，多家银行的新一代核心系统上线或进一步优化，以分布式、云原生、自主可控等为重要 特征的技术底座，在一家又一家银行落地并迅速发挥效能。 数据是新型生产要素，也是银行业金融机构数字化、智能化转型的核心要素。2025年，银行业在数 据治理、 ...