落实落细金融支持民营经济25 条举措，深入开展中小微企业金融服务能力提升工程，做好金融服务民 营经济效果评估和小微企业信贷政策导向效果评估，加强对金融机构激励约束。截至 2025 年末，普惠 小微贷款余额 36.6 万亿元，同比增长11.1%。截至 2025 年末，民营经济贷款余额 70.9 万亿元，同比增 长5.5%。印发《关于加强金融服务农村改革 推进乡村全面振兴的意见》《关于金融支持 林业高质量发 展的通知》《关于推广 农业设施和畜禽活体抵押融资的通知》等政策文件，持续提升金融支持乡村振 兴能力和水平，推动盘活农村资源要素，满足农业经营主体多样化融资需求。截至2025 年末，涉农贷 款余额 53.6 万亿元，同比增长6.5%。实施好创业担保贷款、国家助学贷款政策，支持重点群体创业就 业和就学。截至2025 年末，创业担保贷款余额 2419 亿元，助学贷款余额3725亿元。 ...

Core Insights - The first digital RMB smart contract for wage payment to migrant workers has been successfully implemented in Chengdu, Sichuan, under the guidance of the People's Bank of China, marking a new model for digital finance and inclusive finance [1] Group 1: Digital RMB Smart Contract Implementation - The digital RMB smart contract utilizes a digital ecosystem service platform to automate and enforce wage payments, eliminating human intervention and supporting cross-institutional interoperability [1] - As of January 2026, the digital RMB smart contract has been piloted in areas such as prepaid fund management, supply chain finance, corporate group financial management, and subsidy distribution, with a total of 486,400 contracts signed and a cumulative transaction amount of 316 million yuan [1] Group 2: Future Developments - The Digital RMB Operations Management Center plans to continuously enhance system services and promote existing models while collaborating with member banks to innovate applications of digital RMB smart contracts [2] - The initiative aims to provide more intelligent services for industry development and social governance, supporting the construction of the financial "five major articles" [2]

Core Viewpoint - Innovation is the inexhaustible driving force for national prosperity and the core engine for financial services to support the real economy, with a focus on enhancing financial innovation and precision empowerment since the 20th National Congress of the Communist Party of China [1] Group 1: Automotive Ecosystem Innovation - The automotive industry, a pillar of the national economy, is undergoing profound changes towards electrification and intelligence, requiring financial innovation to support market restructuring and industrial chain upgrades [3] - Ping An Leasing has established a comprehensive service system covering the entire lifecycle of automobiles, creating a new automotive consumption model suitable for China's national conditions, providing high cost-performance and convenient one-stop car purchase services [5] Group 2: Support for Small and Micro Enterprises - Small and micro enterprises are crucial for nurturing new productive forces and are considered the "capillaries" of the real economy, with Ping An Leasing focusing on providing innovative financing solutions to support their transformation and development [7][9] - Ping An Leasing has provided over 115 billion yuan in funding support to more than 86,000 small and micro enterprises, establishing a strong presence across various livelihood sectors [9] Group 3: Technological Empowerment Innovation - Digitalization is the core driving force for financial innovation, with Ping An Leasing integrating cutting-edge technology into its entire business process to create a "technology + finance + industry" ecosystem [12] - The company has developed a "digital leasing" system that supports digital operations, management, and business processes, enhancing efficiency and reducing costs [14][15] Group 4: Future Outlook - By 2025, Ping An Leasing aims to continue its innovative journey in alignment with national strategies, focusing on market demands and optimizing product services to become an internationally leading, industry-focused, and uniquely positioned innovative leasing expert [17]

Group 1 - The core viewpoint of the news is that by the end of 2025, Shaanxi Province's total loan balance is expected to exceed 6 trillion yuan, with significant growth in various sectors, including manufacturing, small and micro enterprises, and green loans [2][3][4] - By the end of 2025, the loan balance for the manufacturing sector is projected to grow by 9.79%, while loans for small and micro enterprises are expected to increase by 13.68% [3] - The total social financing scale in Shaanxi is estimated to increase by 536 billion yuan in 2025, with 203 non-financial corporate debt financing instruments issued, amounting to 179.32 billion yuan [3] Group 2 - Shaanxi Province has implemented a comprehensive financial strategy, including five major articles and multiple specialized policies to promote technological innovation and support various sectors such as consumption and carbon reduction [4] - The province has seen a 30.96% year-on-year increase in loans to technology-based small and medium-sized enterprises and a 21.35% increase in loans to the elderly care industry by the end of 2025 [4] - The cross-border payment scale in Shaanxi reached 57.843 billion USD in 2025, with a year-on-year growth of 5.49%, and a net inflow of 2.969 billion USD [6]

金融活，经济活；金融稳，经济稳。作为河南省唯一一家持牌消费金融机构，中原消费金融紧扣国家战 略导向，以"金融为民"的实践担当，为金融强国建设注入基层动能。 未来，中原消费金融将持续紧扣"十五五"金融强国建设要求，以科技创新为驱动，以普惠利民为核心， 为建设现代化金融强国贡献基层金融力量。（中国发展网） 响应普惠金融精准滴灌薄弱环节的政策导向，中原消费金融将这一要求扎实转化为具体行动。中原消费 金融围绕政策导向和市场需求，搭建了"补贴让利+权益护航"模式。2025年3月，中原消费金融于公司 App上创新发起"周三礼遇日"常态化品牌活动，围绕春节、"五一"、"618"等关键节点，先后推出系列主 题活动，4月还联合万达坊商圈打造提振消费主题市集。同时，创新推出 "小积分大公益"计划，将线上 运营与线下 "梦想的书架" 捐赠活动形成闭环，在践行社会责任中丰富金融服务内涵。 数字化转型是金融强国建设的重要支撑，中原消费金融以科技赋能提升服务质效。为解决打通金融服 务"最后一公里"难题，中原消费金融充分发挥科技优势，以数字化手段破解偏远城镇、乡村地区金融服 务难题，全方位填补金融服务空白。在线上，中原消费金融利用大数据、 ...

Core Viewpoint - Ping An Bank has launched the "Ping An Celebrates the New Year" campaign from February 9 to March 3, aiming to provide a warm and engaging financial service experience during the Spring Festival through various online interactions and benefits [1][3]. Group 1: Campaign Overview - The campaign features a main theme of "Ping An Welcomes the New Year, Ping An Guards Reunion, Ping An Starts a New Journey," utilizing the Ping An Pocket Bank APP to offer eight themed activities and multiple basic interactive tasks across various business lines [1][4]. - The activities are designed to enhance customer engagement and promote financial literacy, encouraging users to focus on asset allocation and prudent financial planning during the festive season [4][6]. Group 2: Themed Activities - Eight major themed activities have been planned, including "Save Earnings to Buy New Year Goods," "Save Earnings to Earn Points," and "Save Earnings to Enjoy Gifts," which reward customers with points or exclusive benefits for participating [4][5]. - The "New Year Goods Festival" collaborates with quality merchants to offer high-value New Year products and substantial discount coupons for essential daily items, effectively reducing customers' purchasing burdens [4][5]. Group 3: Cultural Integration - The campaign incorporates rich cultural elements of the festival, such as activities like "Collect Lucky Bags to Win an iPhone 17" and "Light Lanterns to Win a Pocket3," which resonate with traditional customs and enhance user participation through engaging interactions [5][6]. - A "Collect Good Luck" mechanism allows users to invite friends to participate, providing additional chances to win prizes, thereby fostering social connections and expanding the reach of inclusive financial services [6][7]. Group 4: Financial Service Philosophy - The initiative reflects Ping An Bank's commitment to "Finance for the People," leveraging technology to enhance the accessibility of inclusive financial services and stimulate consumer vitality [3][7]. - The campaign emphasizes a blend of technological innovation and human care, ensuring that the rules are simple and accessible, catering to diverse customer needs, including the elderly [7].

近日，莱商银行为山东泉鑫新能源科技有限公司办理全流程数据资产质押贷款业务，成功落地该行首 笔"点数成金贷"500万元，为小微企业破解融资难题、促进数字经济与实体经济深度融合注入了强劲动 能。 创新融资模式，"无形资产"活起来 山东泉鑫新能源科技有限公司深耕新能源技术研发与应用，手握多项核心技术专利，积累了大量合规且 具备商业价值的行业运营、技术研发及能效监测数据，但因固定资产较少、传统抵押物不足，长期面临 融资渠道狭窄的困境。莱商银行在"千企万户大走访"活动中获知该企业融资需求情况后，打破传统信贷 模式束缚，为客户推荐了"点数成金贷"。 "点数成金贷"是莱商银行面向已完成数据资产入表的企业推出的信贷产品，创新突破企业"无实物抵 押"融资难题，可将企业无形数据转化为有价信贷资金，为新能源领域小微企业开辟融资新路径。 莱商银行济宁泗水支行第一时间与企业对接，迅速组建专项服务团队，构建起"数据确权—合规审查— 价值评估—质押登记"全流程服务体系。依托泉鑫新能源的热电生产数据等核心数据资产，莱商银行联 合山东省国家知识产权保护中心与第三方专业评估机构，对数据资产的权属、价值收益、合规性等进行 全面评估，顺利完成数据资 ...

Core Insights - The economic vitality of Zhejiang is deeply rooted in both urban and rural areas, showcasing a diverse range of industries that contribute to high-quality development and common prosperity [1] - The recent Zhejiang Two Sessions emphasized the importance of promoting integrated urban-rural development and serving as a pioneer for common prosperity [1] - Zhejiang Zheshang Bank is committed to supporting local economies through inclusive financial services, targeting small and micro enterprises, individual businesses, and rural operators [1] Group 1: Financial Innovations and Support - Zhejiang Zheshang Bank has introduced innovative financial service models to address the financing challenges faced by rural collective economies, exemplified by the successful funding of 7.5 million yuan for a local enterprise in just two working days [2] - The bank has developed a comprehensive credit evaluation system that considers the operational capabilities and asset conditions of rural collective organizations, facilitating easier access to financing [2] - By the end of 2025, the bank aims to achieve a loan balance of 60.159 billion yuan in mountainous and island counties, reflecting a growth rate of 24.55% compared to the beginning of the year [4] Group 2: Support for Small and Micro Enterprises - The bank has established a cooperative financial service mechanism that combines government risk-sharing with bank credit support, enabling timely and efficient financial services for small business owners [7] - As of the end of 2025, the bank has provided a total credit of 96.481 billion yuan to 24,900 small and micro enterprises in Zhejiang, with individual businesses accounting for over 20% of this total [7] - The bank's tailored financial products, such as the "Chuqing Agricultural Co-Prosperity Loan," have successfully addressed the collateral challenges faced by agricultural operators [7] Group 3: Technological and Industrial Development - Zhejiang is focusing on technological innovation and high-level opening-up as key themes for its economic development, particularly for small and medium-sized enterprises [8] - The bank has supported companies like Zhejiang Wowo Valve Co., Ltd. in acquiring facilities and expanding operations, demonstrating its role in facilitating industrial upgrades [10] - Innovative financing solutions, including the use of digital assets as collateral, have enabled companies to secure necessary funding for expansion and international market entry [11] Group 4: Educational Initiatives and Community Engagement - The bank has launched the "Zheshang Lecture Hall" initiative to educate small business owners on economic trends, policy interpretations, and financial products, benefiting thousands of entrepreneurs [12] - The bank aims to deepen its commitment to inclusive finance, providing ongoing support to small and micro enterprises as part of its strategy to contribute to common prosperity in Zhejiang [12]

Core Insights - The banking industry in China is focusing on serving the real economy and fulfilling social responsibilities across multiple dimensions [1][2][3] Group 1: Financial Support for Innovation and Green Development - As of the end of Q3 2025, the balance of RMB loans from financial institutions reached 270.39 trillion yuan, with a year-on-year growth of 6.6%, and an increase of 14.75 trillion yuan in the first three quarters [1] - The balance of loans to technology-based small and medium-sized enterprises (SMEs) was 3.56 trillion yuan, growing by 22.3%, which is 15.8 percentage points higher than the overall loan growth rate [1] - The balance of green loans reached 43.51 trillion yuan, increasing by 17.5% since the beginning of the year, with an addition of 6.47 trillion yuan in the first three quarters [1] Group 2: Inclusive Finance and Support for Vulnerable Groups - The balance of inclusive small and micro loans was 36.09 trillion yuan, with a year-on-year growth of 12.2%, outpacing overall loan growth by 5.6 percentage points, and an increase of 3.15 trillion yuan in the first three quarters [2] - The balance of agricultural loans was 53.4 trillion yuan, growing by 6.8%, which is 0.3 percentage points higher than the overall loan growth rate, with an increase of 3.28 trillion yuan in the first three quarters [2] - By the end of 2024, the balance of inclusive small and micro enterprise loans among A-share listed banks exceeded 21.1 trillion yuan, with state-owned banks, joint-stock banks, and rural commercial banks contributing approximately 14.2 trillion yuan, 4.64 trillion yuan, and 2.25 trillion yuan respectively [2] Group 3: Digital Transformation and Social Responsibility - The banking industry is advancing digital transformation to enhance operational efficiency and risk management while bridging the digital divide and improving customer experience [3] - In terms of public welfare and charity, the banking sector invested nearly 2 billion yuan in 2024, with almost 10,000 charity projects and volunteer service hours totaling approximately 1.85 million [3]

文/卢梦雪 全国首单数字人民币智能合约农民工工资发放业务落地成都。 记者获悉，2月6日，在中国人民银行指导下，数字人民币运营管理中心协调数字人民币业务运营机构， 在成都落地全国首单数字人民币智能合约农民工工资发放业务。该业务依托数字人民币运营管理中心提 供的数字人民币智能合约生态服务平台，实现工资发放自动执行，为服务保障农民工工资支付这项民生 工程探索出了数字金融和普惠金融新模式。 具体来说，在本次农民工工资发放场景中，依托于智能合约生态服务平台，数字人民币业务运营机构交 通银行为总包企业开立单位钱包，并加载智能代发合约，控制资金不被挪用，并按照工资明细足额发 放。 通俗来讲，数字人民币智能合约通过一套基础设施、规则标准和产品体系实现合同的数字化、自动化和 强制执行，杜绝人为干预，而且支持跨机构的互通调用。在中国人民银行指导下，数字人民币运营管理 中心负责提供数字人民币智能合约生态服务平台，并制定相应的智能合约应用标准。参与银行可在此基 础上与自有业务系统融合，为不同应用场景灵活打造产品解决方案。 截至2026年1月末，数字人民币智能合约在预付资金管理、供应链金融、企业集团财务管理、补贴发放 等领域试点应用， ...