学思践悟习近平同志在闽金融论述与实践启示 福建红色金融历史积淀深厚，红色金融文化基因发展传承。19世纪20至30年代，中国共产党人在闽西苏 区筚路蓝缕、以启山林，开创了中国革命金融事业的先河，先后创办了闽西首家红色银行（蛟洋农民银 行）、首批红色信用合作社（永定太平区信用合作社）、首家股份制商业银行（闽西工农银行），邓子 恢、曹菊如、赖祖烈、黄亚光等一大批革命先驱走上了红色金融事业的舞台，为苏区金融事业发展奠定 了制度基础、资金基础和人才基础。习近平总书记曾深情地说，"闽西，我很熟悉"，强调要"确保革命 传统和优良作风薪火相传"。 乘改革开放东风，在经济体制转轨的时代背景下，福建经济金融先行先试走在全国前列。改革开放是党 和人民事业大踏步赶上时代的重要法宝。改革开放初期，中国探索建立社会主义市场经济体制。1979 年，党中央、国务院决定在深圳、珠海、汕头、厦门试办经济特区，福建省成为最早实施对外开放的省 份之一。1992年，党的十四大正式确立了建设"社会主义市场经济体制"的目标，经济发展迈入快车道。 1985年6月至2002年10月，习近平同志先后在厦门、宁德、福州和福建省委、省政府工作，在此期间， 习近平同 ...

记者了解到，本届"金洽会"全面升级服务模式，立足于"洽"，持续开展金融机构与实体企业线上线下对接撮合。在做好线上展示平台的基础上，线下活动下 沉园区、直达企业，将金融资源活水引向对金融服务确有需求的各个园区，特别是"五大新城"园区内的企业，为企业打造"流动的金洽会"和"家门口的金洽 会"，同时将"金洽会"与普惠金融顾问制度和综合服务平台联动，两大服务品牌相互赋能，为企业提供"一站式""会诊式"综合性的金融服务。 上海市委金融办常务副主任周小全表示，上海金融业联合会和全市金融行业协会要继续发挥好桥梁和纽带作用，在全市广大金融机构的共同参与下，完善金 融服务体系，创新金融服务范式，进一步提升服务的便利性、精准性和积极性，推动中小微企业发展再上新台阶，推动五个新城建设再上新水平，为上海在 中国式现代化中发挥龙头带动和示范引领作用作出新的更大贡献。 "作为一家生物医药企业，我们面临的核心痛点之一在于产品研发资金需求大、周期长，通常需要5至10年。"在9月29日召开的第十九届上海金融服务实体经 济洽谈会（下称"金洽会"）园区行启动仪式暨首场青浦工业园区专场活动上，一家生物医药公司的代表坦言。 他随即抛出一个现实问题：银 ...

Core Insights - The collaboration between Chengwu Rural Commercial Bank and Wenshang Town Government aims to enhance financial services for local economic development and improve the quality of life for residents [1][3] Group 1: Financial Initiatives - Chengwu Rural Commercial Bank has issued a total of 280 million yuan in loans to Wenshang Town, focusing on agriculture, ecological breeding, and small and micro enterprise technology upgrades [1] - A "Rural Revitalization Special Credit Quota" will be established to support high-standard farmland construction, development of deep processing enterprises for agricultural products, and cultivation of new agricultural operators [3] Group 2: Service Enhancements - The bank will tailor financial service plans based on the needs presented by the town government, including preferential credit limits, approval efficiency, and interest rate discounts [1] - A "Bank-Enterprise Connection Special Action" will be launched to provide one-on-one financing consultation and product matching services for small and micro enterprises [3] Group 3: Community Engagement - The establishment of "Government-Bank Convenience Service Stations" in town government offices and village committees will facilitate residents in handling social security payments, subsidy collections, and small deposit/withdrawal transactions [3] - An information-sharing mechanism will be created for regular exchanges of industry policies, project information, and risk data to enhance collaborative services [3]

Core Viewpoint - Hubei Province is committed to becoming a strategic support point for the rise of the central region, implementing seven major strategies to enhance economic growth and development [2] Group 1: Consumer Demand and Financial Innovation - The Bank of Communications Hubei Branch has launched innovative consumer finance solutions like "discounts + zero-interest installments" to alleviate consumer pressure and enhance consumption quality [3] - The bank has optimized payment ecosystems through technology, such as launching a mobile banking transit code that has saved commuting costs for 1.7 million people [3] - The bank has actively responded to policy benefits, supporting various local events to stimulate consumption through a combination of payment, scenarios, and policies [3] Group 2: Support for Foreign Trade - Hubei's import and export volume exceeded 400 billion yuan in the first half of 2025, reflecting a strong trend in high-level opening up [5] - The bank has provided tailored financial products to support local enterprises in foreign trade, including a 3 million yuan "foreign trade loan" approved in one working day for a food company [5] - The bank has facilitated cross-border financing for various industries, including a 1.85 billion yuan loan for a pharmaceutical company's acquisition [5] Group 3: Infrastructure and Transportation Financing - The Bank of Communications Hubei Branch is supporting the construction of a multi-modal transportation system, providing diverse financing for major infrastructure projects [6] - The bank has launched a public information service platform for the shipbuilding supply chain, offering financing services to green and intelligent ship manufacturers [6] - The bank has invested 4.8 billion yuan in transportation projects, including highways and high-speed rail construction [7] Group 4: Commitment to Regional Development - The Bank of Communications Hubei Branch emphasizes the principle of "finance for the people," aiming to stimulate domestic demand and support the construction of an inland open highland [7] - The bank plans to continue innovating products and services to contribute to Hubei's high-quality development and its strategic importance in the central region [7]

Core Viewpoint - The financial system in China is actively supporting the real economy through various financing methods, with a focus on reducing costs and enhancing access to credit for enterprises, particularly during the "14th Five-Year Plan" period [1][2][3]. Group 1: Financing Trends - The average annual growth rate of loans for technology-based SMEs, inclusive microloans, and green loans exceeds 20% [5]. - In 2021, the average loan interest rate for enterprises was above 4%, but it has now dropped below 3%, significantly easing the financial burden on businesses [2][3]. - The total amount of new funds provided to the real economy by the banking and insurance sectors reached 170 trillion yuan during the "14th Five-Year Plan" period [1][3]. Group 2: Loan Data Insights - The interest rate for newly issued inclusive microloans decreased from 5.08% in December 2020 to 3.48% by June 2025 [3]. - The balance of RMB loans and social financing scale increased from 172.75 trillion yuan and 284.83 trillion yuan at the end of 2020 to 269.1 trillion yuan and 433.66 trillion yuan by August 2025 [3]. - The proportion of loans to enterprises increased from 63% to 68% from the end of 2020 to the first quarter of 2025, indicating a shift towards supporting the real economy [5]. Group 3: Policy Support and Structural Changes - Since 2020, the central bank has implemented 12 reserve requirement ratio cuts and 9 interest rate reductions, leading to a decrease in the loan market quotation rates [3]. - Financial policies have been designed to enhance the efficiency of financial services, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance [5][6]. - The financial system is expected to continue balancing stability and progress, with an emphasis on supporting technological innovation and high-quality development in the upcoming "15th Five-Year Plan" [7].

（上接1版） 近年来，金融系统持续做好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"，相关 领域贷款快速增长。中国人民银行行长潘功胜在国新办新闻发布会上介绍，"十四五"时期，科技型中小 企业贷款、普惠小微贷款、绿色贷款年均增速超过20%。 政策对金融资源优化配置发挥了牵引作用。2023年10月，中央金融工作会议首次提出做好金融"五篇大 文章"；2025年3月，《关于做好金融"五篇大文章"的指导意见》印发，各领域发展目标与保障机制进一 步细化；4月，央行等多部门建立金融"五篇大文章"全国统一的统计标准…… 其中，在科技金融领域：我国健全科技金融政策框架，运用科技创新和技术改造再贷款等货币政策工 具，引导银行加大对科技型企业的信贷支持；创新推出债券市场"科技板"，拓宽科技创新的多元融资渠 道；推进金融资产投资公司股权投资、保险资金长期投资改革等"四项试点"，促进科技创新与产业创新 深度融合。 "金融服务实体经济的五篇大文章，不仅回应了经济转型升级的现实需求，也体现了金融供给侧改革的 方向。"庞溟表示，例如：科技金融的加大投入，使创新型企业在早期和成长期获得了更多元的融资渠 道；养老金融和数字金融分 ...

Group 1 - The core viewpoint of the articles highlights the rapid growth and transformation of Longhua District into a hub for advanced manufacturing and listed companies, with a focus on high-quality development and financial support for these enterprises [1][2] - As of late September 2025, Longhua District is expected to have 40 listed companies, with a total market capitalization exceeding 2 trillion yuan, including one company valued over 1 trillion yuan, one over 100 billion yuan, and 17 over 10 billion yuan [1] - Over 80% of the listed companies in Longhua are private enterprises, and more than 70% are in advanced manufacturing, indicating a strong emphasis on these sectors for economic growth [1] Group 2 - The "Three-Year Action Plan for Promoting the Cultivation and Service of Listed Companies" was introduced in June 2025, focusing on supporting head-listed companies with market capitalization over 10 billion yuan through mergers and acquisitions, project implementation, and A+H listings [2] - Longhua District aims to strengthen its merger and acquisition project database and attract leading financial institutions to establish funds to support these initiatives, ensuring that quality projects are effectively implemented [2] - The district has conducted a thorough review of its listed and industrial enterprises, creating a digital profile for each company to facilitate mergers and acquisitions and support the growth of specialized and innovative enterprises [2]

Group 1 - The People's Bank of China emphasizes the need for stable economic growth and reasonable price levels, maintaining policy continuity while enhancing flexibility and foresight [1] - The meeting highlights the weakening global economic growth momentum and uncertainties in inflation trends and monetary policy adjustments, while acknowledging domestic challenges such as insufficient demand and low price levels [1] - The meeting calls for an appropriately accommodative monetary policy and stronger counter-cyclical adjustments, focusing on the effective implementation of monetary policy measures to maximize their impact [1] Group 2 - The meeting stresses the importance of utilizing securities, funds, and insurance company swap facilities, as well as stock repurchase and loan increases, to maintain capital market stability [2] - There is a continued emphasis on stabilizing the real estate market and ensuring the effectiveness of previously introduced financial policies, particularly in revitalizing existing housing and land [2] - The meeting encourages large banks to play a key role in serving the real economy while urging small and medium banks to focus on their core responsibilities and enhance capital strength to support financial market stability [2]

Group 1 - The conference "Charming Baoji: Chain Driving Chang'an" was held to support high-quality development in Baoji, with speeches from Mayor Wang Yong and Chang'an Bank Chairman Zhang Quanming [1] - A strategic cooperation agreement for high-quality development was signed between the municipal government and Chang'an Bank, along with various financial agreements with key enterprises in Baoji [1] - Mayor Wang emphasized the need for tailored financing solutions and targeted financial products to support Baoji's industrial transformation and development [1] Group 2 - Chang'an Bank plans to align its services with Baoji's "One Four Five Ten" strategy, focusing on modern industrial system construction and providing comprehensive financial services [1] - The conference also included the awarding of "Best Strategic Partner" titles to several provincial state-owned enterprises by Chang'an Bank [2] - A keynote speech was delivered by Gu Mengbin, Director and Researcher at the Financial Research Institute of Shaanxi Academy of Social Sciences [2]

Group 1 - The fourth Mining Industry Financial Forum was held in Shanghai, focusing on the theme of "Financial Deep Empowerment for the Upgrading and Reconstruction of the Mining Industry Chain" [1] - Over 200 experts from government, industry, finance, and academia participated to discuss new trends and opportunities in financial services for the real economy [1] - China Minmetals Corporation aims to enhance its global competitiveness as a leading metal mining enterprise by leveraging technological innovation and resource integration [1] Group 2 - The Shanghai Municipal Economic and Information Commission highlighted the ongoing collaboration between the Shanghai government and China Minmetals since the strategic cooperation agreement signed in early 2023 [2] - The partnership focuses on industrial clustering, innovation platform construction, and financial business collaboration to boost regional economic development [2] Group 3 - Keynote speeches addressed the need for a strong financial sector to support manufacturing and consumption in China, emphasizing the establishment of robust monetary and capital markets [3] - Discussions included the importance of equity financing to match the development of new productive forces and the role of primary mining companies in the mineral industry chain [3] Group 4 - Minmetals Capital announced the establishment of a mining finance research consortium with China University of Geosciences (Beijing) and the Development Research Center of the China Geological Survey [4] - This consortium aims to create a practical and forward-looking mining finance research platform to enhance industry influence [4]