据央行，为深入贯彻党的二十届四中全会精神，加快实现高水平科技自立自强，落实《加快构建科技金融体制 有力支撑高水平科技自立自 强的若干政策举措》，11月27日，中国人民银行、科技部等部门联合召开科技金融统筹推进机制第一次会议。中国人民银行行长潘功胜、 科技部部长阴和俊出席会议并讲话。中国人民银行副行长朱鹤新主持会议，科技部副部长邱勇、金融监管总局副局长周亮、中国证监会副主 席陈华平、国务院国资委党委委员肖宗辉出席。 会议强调，明年是"十五五"开局之年，各有关部门要扎实推进各项工作任务落实，常态化运行科技金融统筹推进机制，强化科金协同、央地 联动，进一步优化政策措施。发挥好科技创新和技术改造再贷款政策作用，高质量建设债券市场"科技板"，促进私募股权投资和创业投 资"募投管退"循环，强化科技保险高质量发展，引导和推动金融资源科学高效配置，加强对金融机构"五篇大文章"工作成效评估，完善融资 对接、信息共享、知识产权转化运用等配套机制，助力高水平科技自立自强。 中国人民银行、科技部、国家发展改革委、工业和信息化部、财政部、国务院国资委、金融监管总局、中国证监会、国家知识产权局、国家 数据局、国家外汇局相关司局负责人参加 ...

加强货币政策传导，保持信贷总量合理增长。"十四五"期间，人民银行威海市分行通过下调法定存款准 备金率、加强货币政策工具使用等措施，推动金融机构加大信贷投放力度，带动金融总量实现合理增 长。突出"平稳增长、均衡投放"主线，用好用活MPA评估指标体系，引导金融机构强化贷款均衡投放理 念，充分挖掘有效信贷需求，为威海经济大盘稳固提供强有力的金融支撑。截至2025年三季度，全市本 外币贷款余额6157.04亿元，较2020年末增长81.3%。 强化利率自律管理，推动融资成本明显下降。"十四五"期间，人民银行威海市分行充分发挥市场利率定 价自律机制作用，加强治理高息揽储、手工补息等情况，规范金融机构存贷款利率定价行为，保持存贷 款利率在合理水平。深入推进下调政策利率、批量下调房贷利率、明示企业贷款综合融资成本等工作， 通过现场核查、业务培训等方式加强政策指导，畅通利率政策传导渠道，减轻各类市场主体的利息负 担。 三季度末，全市新发放企业贷款利率3.74%，比2020年末下降1.14个百分点，实实在在为实体经济 让利。 齐鲁晚报·齐鲁壹点 连宁燕 "十四五"期间，人民银行威海市分行认真贯彻总分行各项决策部署，紧扣市委市政 ...

央广网北京11月25日消息（记者 冯方）11月22日，"第二十届21世纪金融年会"在京举行。会上，中国 人民银行信贷市场司副司长余剑表示，当前我国经济进入高质量发展阶段，科技、绿色、普惠、养老、 数字五大领域成为经济转型升级的重点方向。做好金融"五篇大文章"既是金融服务实体经济高质量发展 的重要着力点，也是深化金融供给侧结构性改革的重要内容。 余剑透露，从发展成效的统计数据来看，重点领域贷款保持持续较快增长，在全部贷款中的比重不断提 升。截至2025年8月末，金融"五篇大文章"贷款余额105.6万亿元，占各项贷款的比重达到38.7%，同比 增长13.2%，增速比各项贷款平均增速高6.6个百分点；其中科技、绿色、普惠、养老产业、数字经济产 业贷款余额分别同比增长12.1%、23.8%、10.8%、52%、12.5%，明显高于各项贷款平均增速。 余剑介绍，2024年以来，人民银行牵头携手相关部门，不断健全金融"五篇大文章"政策框架和服务体 系，建立金融"五篇大文章"统计和评估机制，建设信贷市场综合业务管理系统，形成政策"实施-评估-优 化"动态闭环，相关工作取得显著成效。 ...

余剑介绍，2024年以来，人民银行牵头携手相关部门，不断健全金融"五篇大文章"政策框架和服务体系，建立金融"五篇大文章"统计和评估机制，建设信贷 市场综合业务管理系统，形成政策"实施-评估-优化"动态闭环，相关工作取得显著成效。 余剑透露，从发展成效的统计数据来看，重点领域贷款保持持续较快增长，在全部贷款中的比重不断提升。截至2025年8月末，金融"五篇大文章"贷款余额 105.6万亿元，占各项贷款的比重达到38.7%，同比增长13.2%，增速比各项贷款平均增速高6.6个百分点；其中科技、绿色、普惠、养老产业、数字经济产业 贷款余额分别同比增长12.1%、23.8%、10.8%、52%、12.5%，明显高于各项贷款平均增速。 北京商报讯（记者 岳品瑜 董晗萱）11月22日，中国人民银行信贷市场司副司长余剑在"第二十届21世纪金融年会"上以"做好金融'五篇大文章'，赋能高质量 发展"为题发表演讲。 余剑表示，当前我国经济进入高质量发展阶段，科技、绿色、普惠、养老、数字五大领域成为经济转型升级的重点方向。做好金融"五篇大文章"既是金融服 务实体经济高质量发展的重要着力点，也是深化金融供给侧结构性改革的重要内容。 ...

Core Insights - The speech by Yu Jian emphasized the importance of financial services in supporting high-quality economic development in China, focusing on five key areas: technology, green finance, inclusive finance, elderly care, and digital economy [1][2] - The People's Bank of China is actively working on enhancing the policy framework and service system for these five areas, establishing a dynamic feedback loop for policy implementation, evaluation, and optimization [1] Financial Performance - As of August 2025, the loan balance for the five key areas reached 105.6 trillion yuan, accounting for 38.7% of total loans, with a year-on-year growth of 13.2%, outpacing the average growth rate of total loans by 6.6 percentage points [2] - Specific growth rates for loans in the key areas include: technology (12.1%), green finance (23.8%), inclusive finance (10.8%), elderly care (52%), and digital economy (12.5%), all significantly higher than the average loan growth rate [2]

Core Viewpoint - The 19th Shenzhen International Financial Expo will be held from November 19 to 21, 2025, focusing on "New Heights of Industrial Finance, Empowering Future Innovation," with nearly 300 global financial institutions participating to outline new financial services for the real economy [1] Group 1: Technology Finance - As of the end of October, the technology loan balance of the Shenzhen branch of China Construction Bank exceeded 244 billion yuan, with an increase of over 48 billion yuan since the beginning of the year, leading the industry [2] - The bank has developed a "heat map" for 34,000 technology enterprises in Shenzhen, providing differentiated services based on the characteristics of enterprises at different stages [2] - The bank has served over 11,000 technology enterprises, with nearly 6,000 credit approvals and total loans exceeding 12 billion yuan [2][3] Group 2: Green Finance - The Shenzhen branch of China Construction Bank has integrated green finance into its strategic priorities, establishing a diversified green finance service system to support the green transformation of the economy [4] - The bank has issued green loans to nearly 900 enterprises, focusing on key industries such as new energy vehicles and energy-efficient equipment manufacturing [4] - The bank has launched the first batch of "water-saving loans" in collaboration with the Shenzhen Water Conservation Technology Association, with an initial financing of 30 million yuan [5] Group 3: Inclusive Finance - As of the end of October 2025, the bank's inclusive loan balance reached 364 billion yuan, serving 106,000 clients, making it the largest financial institution serving small and micro enterprises in Shenzhen [7] - The bank has successfully provided a 3.88 million yuan working capital loan to a small jewelry company based on its good tax records and operational data [6] - The bank has developed a multi-layered, widely covered, and sustainable inclusive finance service system, leveraging digital transformation and product innovation [7] Group 4: Pension Finance - The Shenzhen branch has established the "Healthy Aging" brand, responding to the national strategy for an aging population, and has created a "1314" pension service system [8] - The bank has selected 60 "Healthy Aging" financial service outlets across 37 first-level branches, focusing on providing tailored services for elderly clients [8] - The bank aims to integrate resources to offer comprehensive services in pension planning, wealth management, and consumption for different stages of aging [8] Group 5: Digital Finance - The bank is accelerating its digital transformation to build a secure, efficient, and convenient digital financial ecosystem, supporting the "Five Major Articles" [10] - The bank has launched a "Digital Currency Prepayment Supervision Platform" to address regulatory challenges in the prepayment industry, covering 1,569 merchants and providing services for 960,000 consumers [10] - Future plans include expanding the digital currency regulatory model to 16 prepayment scenarios, enhancing consumer trust in Shenzhen [10] Group 6: Overall Impact - The achievements of the Shenzhen branch in the "Five Major Articles" reflect the bank's commitment to serving the real economy and fulfilling its social responsibilities [11] - The bank's financial services are closely aligned with the needs of various sectors, from technology enterprises to elderly care, demonstrating its responsiveness to societal changes [11]

Core Viewpoint - The China Securities Regulatory Commission emphasizes the importance of capital markets in supporting five key financial areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, with Shenyin Wanguo playing a crucial role in these initiatives [1] Group 1: Company Strategy and Development - Shenyin Wanguo is committed to integrating national strategies with its own development, focusing on high-quality economic growth and capital market evolution as it enters the 14th Five-Year Plan period [1][8] - The company has established a comprehensive network to serve the real economy, enhancing its role as a direct financing service provider and a wealth manager [1][8] Group 2: Governance and Talent Development - The company emphasizes governance, talent, and culture as foundational elements for sustainable development, integrating social responsibility into its core values [2] - Shenyin Wanguo has implemented a flexible talent management strategy, promoting a culture of accountability and innovation to support its financial services [3] Group 3: Innovation and Service to New Quality Productivity - The company aims to support high-level technological self-reliance and new quality productivity, with a projected underwriting scale exceeding 930 billion yuan in 2024 [4] - Shenyin Wanguo has actively engaged with specialized and innovative enterprises, enhancing its financial support for key technology sectors [5] Group 4: Professional Capabilities and Market Position - The company has developed a value management system to enhance the performance of quality listed companies, utilizing a unique diamond model for value assessment [6] - Shenyin Wanguo is building a one-stop service platform to facilitate multi-dimensional trading for enterprises, enhancing collaboration with various financial institutions [7] Group 5: Commitment to National Strategy - The company is dedicated to aligning its operations with national strategic needs, focusing on high-quality development in the financial sector and supporting the stability of the real economy [8]

编者按 日前，党的二十届四中全会审议通过"十五五"规划建议，明确提出"优化金融机构体系，推动各类金融 机构专注主业、完善治理、错位发展"，这为包括证券公司在内的金融机构实现高质量发展指明了方 向。近年来证券公司在持续强化经营数据等"硬指标"的同时，纷纷发力文化建设并积极承担社会责任， 不断夯实"软实力"，实现经营效益和社会效益双丰收。 为学习宣传贯彻党的二十届四中全会精神，中国证券报联合中国证券业协会推出"夯实文化软实力 积极 履责显担当"系列专题报道，旨在通过分享证券公司在加强文化建设以及服务经济、社会、环境和谐发 展方面的典型案例与先进经验，体现证券公司近年来在培育中国特色金融文化、践行行业文化理念、履 行社会责任的积极成效，共同推动证券行业高质量发展。本篇为系列报道第二篇。 2025年2月，证监会发布的《关于资本市场做好金融"五篇大文章"的实施意见》提出，积极发挥资本市 场功能，着力做好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"。申万宏源 （000166）党委书记、董事长刘健在接受中国证券报记者专访时表示，近年来，证券行业切实履行直接 融资"服务商"、资本市场"看门人"、社会财富"管 ...

11月13日，中国人民银行发布的金融统计数据显示，今年前10个月我国新增人民币贷款近15万亿元。新增贷款投向了哪些领域？信贷结构出现 哪些亮点？ 中国人民银行当日发布的金融统计数据显示，10月末，我国人民币贷款余额270.61万亿元，同比增长6.5%；社会融资规模存量为437.72万亿元， 同比增长8.5%。 "今年以来，金融总量保持合理增长，为实体经济提供了有力的金融支持。"西南财经大学中国金融研究院副教授万晓莉认为，今年以来，各家 银行积极运用各类结构性货币政策工具，加力支持科技创新、提振消费、小微企业、稳定外贸等重点方向。 从新增信贷的结构来看，企业贷款增长呈现出一些亮点。 今年以来，企业贷款特别是企业中长期贷款新增较多，为企业投资提供了较为充足的资金支持。数据显示，前10个月，我国企（事）业单位贷 款增加13.79万亿元，是贷款增加的主力军。其中，中长期贷款增加8.32万亿元，占比超六成。 具体来看，信贷资金流向了哪里？ 记者从中国人民银行了解到，10月末，普惠小微贷款余额为35.77万亿元，同比增长11.6%；制造业中长期贷款余额为14.97万亿元，同比增长 7.9%。这些贷款增速均高于同期各项贷款 ...

11月13日，中国人民银行发布的金融统计数据显示，今年前10个月我国新增人民币贷款近15万亿元。新增贷款投向了哪些领域？信贷结构 出现哪些亮点？ 中国人民银行当日发布的金融统计数据显示，10月末，我国人民币贷款余额270.61万亿元，同比增长6.5%；社会融资规模存量为437.72万亿 元，同比增长8.5%。 "今年以来，金融总量保持合理增长，为实体经济提供了有力的金融支持。"西南财经大学中国金融研究院副教授万晓莉认为，今年以来， 各家银行积极运用各类结构性货币政策工具，加力支持科技创新、提振消费、小微企业、稳定外贸等重点方向。 从新增信贷的结构来看，企业贷款增长呈现出一些亮点。 记者从中国人民银行了解到，10月末，普惠小微贷款余额为35.77万亿元，同比增长11.6%；制造业中长期贷款余额为14.97万亿元，同比增 长7.9%。这些贷款增速均高于同期各项贷款增速。 "10月建行发布了支持新型工业化的服务方案，推出六大专项行动，力争未来三年制造业融资规模突破5万亿元。"中国建设银行公司业务部 总经理尚朝辉说，目前建行制造业中长期贷款持续增长，在制造业贷款中占比超过50%。 中国人民银行近日发布的2025年第三 ...