三里屯清晨的蛋挞香漫过街巷，惠通时代广场里徽忆餐厅的徽菜鲜浸润舌尖，郊区露营地的青草气 裹着微风——这些城市烟火背后，藏着小微企业主们的奋斗故事。90后叶上珠、安徽籍厨师陶勇、创业 者刘吉嘉，他们的创业路各有坎坷，却都在中信百信银行数字普惠金融的精准赋能中，找到了把生意做 下去、做更好的信心。 2025年，在北京市朝阳区发改委、金融工作事务中心指导下，中信百信银行携手新华网发起"看见 一百个信心的朝向"公益计划，以"政银媒协同"模式，为小微企业送去"融资+品牌推广"双赋能。作为国 有控股数字普惠银行，中信百信银行始终以服务小微企业、激活实体经济为初心，用数字金融的温度托 起每一份踏实经营的小生意，让生意人多了敢闯敢拼的信心。 懂生意的金融：把支持嵌进创业每一步 在餐饮江湖打拼的陶勇，1999年背着行囊来京学厨时，他或许没料到，自己会在2016年开出一家承 载家乡味的徽忆餐厅，更没料到创业初期会遇到客源不稳、团队管理的难题。陶勇曾感慨："管理人比 管理菜难太多了。" 在政府的帮扶基础上，中信百信银行的创业担保贷成了陶勇的"定心丸"。"创业担保贷"精准适配餐 饮小微企业轻资产特性，免担保、低利息且叠加政府贴息，大 ...

科技是品牌的硬支撑。海尔把以用户为中心、以科技为引擎的理念落到每一次创新中，这背后是开放的 全球化创新体系。目前，海尔在全球打造"10+N"开放式创新体系，链接超过百万名技术专家，能够快 速创新、快速验证、快速迭代。 深耕研发，满足高品质拍摄需求 把用户从旁观者变成共创者 本报记者王者 海尔推出的一机三筒洗衣机开启预售，48分钟销量就破万，现已交付20多万台。这款网友"许愿"、海 尔"接单"的产品，不是洗衣筒数量的简单叠加，而是把用户从"旁观者"变成"共创者"。随后，海尔又根 据用户的新需求推出了一机四筒洗衣机，创造多样化的洗护场景。 真正的创新，不仅是多做一点，更要贴近一点，越贴近用户需求，越能提振消费，助力高质量发展。今 年3月，海尔集团董事局主席、首席执行官周云杰开通了个人社交媒体账号。他表示，用户是最好的创 新者，开设账号是为了把海尔的管理体系、流程与用户需求高效打通，形成生态的力量。 把用户的小需求做成大产品，把好体验做成强品牌，这是海尔在企业创新和品牌构建过程中的新探索。 在国内，海尔以场景化、生态化供给持续升级，在全球则充分尊重差异化需求，以本土化创新赢得信 任。在欧洲，根据当地用户的需求，推出 ...

2025年，国家发布多项提振信心政策，如何让金融"活水"精准滴灌至这些微观主体，成为破解民生与经 济难题的关键。 过去，金融机构多以"资金提供方"的角色参与普惠服务，聚焦于解决小微企业"钱从哪来"的问题，但随 着市场环境的变化，仅靠资金支持已无法满足小微企业全生命周期的成长需求——它们既需要灵活高效 的融资服务应对经营波动，也需要数字化产品提升运营效率，更期待通过品牌赋能和资源对接打开市 场。 在此背景下，在北京市朝阳区发展和改革委员会、北京市朝阳区金融工作事务中心的指导下，中信百信 银行携手新华网共同发起"看见一百个信心的朝向"普惠金融公益推广计划。该计划作为为企业提供 从"资金支持"转向"生态构建"的实践样本，成功入选由21世纪经济报道主办的2025年21世纪金融竞争力 优秀案例"年度典型普惠金融案例"。 如何将政策红利与数字金融创新，精准对接小微企业真实成长需求？如何以切实服务传递信心，让每一 份坚守获得回响？中信百信银行的探索，正在为普惠金融的深化提供新路径。 创业担保贷，破解小微"融资焦虑" 小微企业融资难的核心症结，始终绕不开"缺抵押、成本高"两大痛点。 在国民经济的毛细血管中，小微企业是最具活力 ...

罗汉果作为当地特色优势产业，目前已形成选育、种植、加工、销售等全产业链体系，成为增收致富的 重要来源。产业快速发展的同时，资金压力也随之而来。 面对产业发展的迫切需求，工行桂林分行组建专项金融服务团队，多次深入田间地头、加工车间和行业 协会。在充分调研的基础上，该分行"量体裁衣"推出了区域特色贷款产品"罗汉果产业集群贷"。该产品 根据客户的种植规模、加工销售、信用状况等测算额度，将加工企业的生产设备、存货等纳入押品范 围，丰富融资担保方式，同时优化业务流程，将贷款审批时间大幅压缩至3至5个工作日，确保资金快速 直达。 ■本报记者曹沛原 桂林市永福县素有"中国罗汉果之乡"美誉。如今，这枚承载着健康与甜蜜的果子，在工商银行桂林分行 普惠金融服务的支持下，正加速成为带动一方百姓致富的"幸福果"。 金秋时节，青褐色的果实挂满藤蔓，空气中飘散着甜蜜的丰收气息。对于永福县某种植合作社负责人老 莫而言，这份甜蜜不仅来自即将采收的罗汉果，更源于工行及时到位的金融支持。 "以前到银行贷款要跑好几趟，还总担心批不下来。现在工行主动找到我们，不用房产抵押、贷款到账 快，解了我的燃眉之急。"老莫站在刚扩建的果园里，笑容格外真切。 工 ...

Core Viewpoint - The issuance of the "CITIC Baixin Bank Co., Ltd. 2025 Special Financial Bonds for Small and Micro Enterprises" marks a significant milestone in the digital banking sector, being the first small micro financial bond issued by an internet commercial bank with a record low coupon rate of 1.98% [2]. Group 1: Bond Issuance Details - The bond has a total issuance scale of 2 billion yuan and a maturity period of 3 years [2]. - The funds raised from this bond will be specifically used for providing loans to small and micro enterprises, aligning with the national policy to enhance financial services for small businesses [2]. Group 2: Company Background and Strategy - CITIC Baixin Bank, established in 2017, is the first state-controlled digital bank in China, jointly initiated by CITIC Bank and Baidu, and serves as a testing ground for the digital transformation of the banking industry [2]. - The bank has been actively innovating in inclusive financial services this year, focusing on addressing the financing challenges faced by small and micro enterprises through digital products like the "Entrepreneur Guarantee Loan" [2]. Group 3: Role of Shenwan Hongyuan Securities - Shenwan Hongyuan Securities acted as the lead underwriter for this bond issuance, marking its first internet bank financial bond, which signifies a new breakthrough in the field of digital inclusive finance bonds [2]. - The company aims to continue its commitment to serving the real economy and contributing to the development of digital and inclusive finance [2].

Core Viewpoint - The article highlights the challenges faced by small and micro enterprises in China, particularly regarding financing difficulties, and emphasizes the importance of collaborative support from financial institutions, government, and media to empower these businesses [1][2]. Group 1: Challenges Faced by Small and Micro Enterprises - Small and micro enterprises are described as the "capillaries" of the economy, with their confidence contributing to the overall economic strength [2]. - Entrepreneurs like Tao Yong experience unstable customer flow and tight cash flow, reflecting the struggles of many small business owners [1]. Group 2: Collaborative Support Initiatives - The "Seeing a Hundred Directions of Confidence" public promotion plan initiated by Citic Baixin Bank aims to support small and micro enterprises through storytelling and media engagement [1][2]. - The collaboration involves government as a policy guide, Citic Baixin Bank providing tailored financial products, and media amplifying the stories of entrepreneurs [2][3]. Group 3: Financial Products and Innovations - Citic Baixin Bank offers products like the "Entrepreneur Guarantee Loan," which provides low-interest, collateral-free loans to small businesses, facilitating easier access to financing [2][3]. - The "Business Loan" product is designed for the unique cash flow characteristics of small enterprises, allowing flexible borrowing and repayment options [3][4]. Group 4: Digital Empowerment and Growth - The "Bailian System" is introduced as a digital solution that utilizes data and AI to assess creditworthiness without requiring collateral, enhancing the financing process for small businesses [3][4]. - As of Q3 2025, the balance of inclusive small micro loans reached 12.703 billion, reflecting a significant growth of 39.58% since the beginning of the year [4].

Core Insights - Agricultural Bank of China Liaoning Branch is deeply engaged in local economic development by providing precise financial services that align with regional industrial growth [1][3] - The bank has successfully supported the acquisition of key assets by Zhongnengjian Huiying Non-Metallic Materials (Liaoning) Co., Ltd., injecting 260 million yuan in merger loans to enhance the company's core technology and market resources [1] - The bank's financial support has led to significant cost savings and increased operational capacity for local businesses, exemplified by the rapid loan disbursement and flexible repayment options [1][2] Group 1: Support for Specific Industries - The bank's financial services have facilitated the transformation of the bentonite industry, allowing companies to upgrade from traditional to high-end products [1] - In the Xiaobei River Town sock industry cluster, the bank has introduced innovative financial products like "Sock Industry e-loan" and "Cluster Quick Loan" to address the financing challenges faced by small and medium enterprises [2] - The sock industry in Xiaobei River Town has evolved into a major production hub, with an annual output of 2.5 billion pairs and a production value of 3.8 billion yuan, showcasing the impact of financial support on local economic growth [2] Group 2: Future Outlook - The Agricultural Bank of China Liaoning Branch is committed to continuing its support for local industries and enhancing financial services to promote high-quality regional economic development [3] - The bank aims to empower various sectors and contribute to the prosperity of Liaoning's economy, reflecting its responsibility in serving the real economy [3]

Core Viewpoint - The successful issuance of the "CITIC Baixin Bank Co., Ltd. 2025 Special Financial Bonds for Small and Micro Enterprises" marks a significant milestone in the digital banking sector, showcasing the bank's commitment to supporting small and micro enterprises through innovative financial solutions [2][3]. Group 1: Bond Issuance Details - The bond issuance has a scale of 2 billion yuan, a term of 3 years, and a coupon rate of 1.98%, setting a historical low for internet commercial banks [2]. - This bond is the first financial bond issued by an internet commercial bank specifically for small and micro enterprises, highlighting a breakthrough in the digital inclusive finance sector [2]. Group 2: Bank Overview - CITIC Baixin Bank, established in 2017, is the first state-controlled digital bank in China, initiated by CITIC Bank and Baidu, and serves as a testing ground for the digital transformation of the banking industry [2]. - The bank focuses on a diversified business model driven by financial technology, with consumer finance as its core, digital financial services for industries as a secondary growth curve, and non-loan businesses as potential areas for expansion [2]. Group 3: Financial Performance - As of June 2025, CITIC Baixin Bank's total assets reached 119.516 billion yuan, and the net profit for the first half of 2025 was 472 million yuan, indicating continuous improvement in operational efficiency [2]. Group 4: Purpose of Fundraising - The funds raised from this bond will be specifically used to provide loans to small and micro enterprises, aligning with national policies aimed at enhancing financial services for these businesses [3]. - The bank's digital products, such as the "Entrepreneur Guarantee Loan," effectively address the financing challenges faced by small and micro enterprises, with the inclusive small and micro loan scale reaching 9.1 billion yuan by the end of 2024, a significant increase of 45% year-on-year [3]. Group 5: Role of Shenwan Hongyuan Securities - Shenwan Hongyuan Securities played a crucial role in the successful issuance of the bond by leveraging its professional expertise and executing the project efficiently [3]. - The successful issuance expands Shenwan Hongyuan's experience in underwriting bonds for internet banks and lays a solid foundation for further development in the financial bond market [3].

地铁未到站，信心已到账。11月13日，中信百信银行在北京地铁6号线朝阳门站，启动了一场趣味十足的品牌快闪活动。此前，该行发布了全新品牌宣 传片《百姓的信心银行》，传递数字普惠金融服务托举千家万户追求美好生活的信心的品牌主张。此次快闪活动则进一步强化 "信心"这一品牌理念，用户 可通过互动领取专属的"MBTI人格信心储值卡"，该行品牌IP形象"百小旺"也首次线下亮相。 据了解，此次快闪活动将持续至12月10日，中信百信银行以年轻化、互动化、趣味化的社交玩法，与年轻群体建立更深的情感共鸣，为用户在生活进阶 的每个关键时刻注入金融信心。 点亮美好生活，在人潮中构建"信心支点" 早晚高峰的地铁站里，步履匆匆的"早八人"规划着生活进阶的蓝图；擦肩而过的小微创业者，琢磨着经营周转难题；初为父母的年轻人，牵挂着家庭未 来的财富规划。在充满不确定因素的时代背景下，"信心"已然成为人们追寻美好生活的核心诉求。 基于对大众情绪变化的精准把握，中信百信银行选择地铁站这一贴近日常生活的场景，将金融服务融入生活肌理，用实际行动托举每一个人生的关键时 刻。这背后，则彰显着中信百信银行作为国内首家国有控股数字银行的责任与担当—— 自201 ...

中信百信银行以数字风控为基础，携手百度启动"AphaMo"智能风控项目。该项目应用了伐谋、千 帆、文心大模型等百度最前沿的AI技术，建设"挖掘智能体""模型智能体""策略智能体"三类风控智能 体，覆盖风控架构中挖掘、模型、策略三个层次。同时，还将发挥AI擅长处理复杂数理问题、持续自 我进化的特点，打造挖掘、模型、策略的"AI员工"，既能解决风控人员短缺问题，又能解决人的经验局 限性问题，有望为银行业沉淀出可复制的智能风控创新解决方案。 据了解，当前"AphaMo"智能风控项目中的"挖掘智能体"已取得超预期进展。"挖掘智能体"由中信 百信银行专业风控专家进行训练指导，利用百度伐谋擅长处理复杂数理问题、持续自我进化的特点， 7*24小时不间断地在海量数据中进行风险特征挖掘，持续学习、迭代、进化，在短时间内达到了专业数 据挖掘工程师的水平，特征挖掘效率提升100%，风险区分度也提升了2.41%。 百度创始人李彦宏介绍，伐谋的理念借鉴自进化算法，相当于模拟生物界几亿年的进化过程并压缩 至几天甚至几小时，从而发现"过去人类从未发现过的全局最优解"。 11月13日举办的百度2025年世界大会上，百度正式发布全球首个可商用 ...