Core Viewpoint - Guilin Bank demonstrates resilience in performance growth despite a complex macroeconomic environment, achieving a revenue of 10.938 billion yuan and a net profit of 2.280 billion yuan in 2024, reflecting year-on-year growth of 5.56% and 10.21% respectively [1] Financial Performance - The bank's total assets reached 541.53 billion yuan by the end of 2024, marking a 7.08% increase from the previous year [1] - Total loans amounted to 331.16 billion yuan, with a year-to-date growth of 12.60%, including corporate loans of 257.55 billion yuan (up 17.62%) and personal loans of 73.61 billion yuan [1] - Key regulatory indicators include a capital adequacy ratio of 11.67%, a provision coverage ratio of 131.94%, a liquidity ratio of 75.45%, and a non-performing loan ratio of 1.68%, all meeting regulatory requirements [1] Financial "Five Articles" - Guilin Bank has implemented a series of actions to align with the central financial work conference's directives, focusing on the financial "Five Articles" with a total loan balance of 117.68 billion yuan in this area, and a cumulative investment of 99.53 billion yuan in 2024 [2] - In the technology finance sector, the bank's loans to tech enterprises reached 30.11 billion yuan, a 32.72% increase, supporting 953 high-tech companies [2] - The green loan balance stood at 41.61 billion yuan, growing by 20.08%, with the establishment of 49 green finance specialized institutions [2] Inclusive Finance - The bank provided 26.91 billion yuan through the "Guihui Loan" program and utilized 15.8 billion yuan in re-lending funds, effectively reducing financing costs for related enterprises by over 200 million yuan [3] - By the end of 2024, the balance of private loans was 165.90 billion yuan, and inclusive small and micro loans reached 42.63 billion yuan, reflecting year-on-year growth of 5.55% and 13.07% respectively [3] Rural Finance - Guilin Bank has focused on rural finance, with county loans totaling 109.80 billion yuan and agricultural loans at 83.38 billion yuan, a 12.66% increase [5] - The bank has established 600 service demonstration points for rural revitalization, covering one-third of the agricultural industrialization leading enterprises in Guangxi [5] Community Finance - The bank has set up 683 community and small micro branches in Guangxi, ranking first among city commercial banks in China [6] - Over the past decade, the bank has deepened its community finance services, integrating them into local governance and providing both financial and non-financial services to residents and small enterprises [6]

李佩珈提出，应更加重视发挥资本市场作用，助力长期资本和耐心资本的培育。国际经验表明，资本市 场是支持科技企业最有效的融资方式，美国是重视发展资本市场的典型代表，德国和日本重视通过"全 能银行"和"主办银行"等方式为企业提供股权性资本，未来我国也应更加重视发挥股权融资在优化科技 金融供给中的枢纽作用。从投融资两端促进资本市场高质量发展。围绕增加优质资产供给、提高上市公 司质量、完善多元化退市通道、净化投资环境、严惩财务造假等行为、提升股民投资获得感等多个维度 进行系统改革，切实打造一个有活力、有韧性、投融资两端互促平衡的资本市场。围绕私募股权"募、 投、管、退"各环节，形成更加高效规范的运作模式。私募股权是资本市场高质量发展的底层塔基，是 股权投资重要资金来源。当前，我国私募股权进入调整过渡期，在募投管退等环节都面临诸多新挑战。 未来，要围绕上述问题，拓宽资金来源、丰富投资主体、创新退出方式推动私募股权高质量发展。 3月5日，金融监管总局发布《关于进一步扩大金融资产投资公司股权投资试点的通知》，为银行业参与 股权投资带来新机遇，标志着银行股权投资业务由过去的间接参与转向直接参与，这是一个非常重大的 转变。股权投 ...

Core Viewpoint - The People's Bank of China in Luoyang is focusing on enhancing the effectiveness of technology finance to drive industrial upgrades and support high-quality local economic development [1] Group 1: Policy Initiatives - The Luoyang branch of the People's Bank of China has launched a "Technology Finance Escort Action" to create a virtuous cycle of "technology-industry-finance" [2] - A "Breaking the Ice" credit initiative was started in September 2024, resulting in loans of 631 million yuan to 37 first-time borrowers [2] - Financial institutions are optimizing their organizational structures and risk control systems to better support technology enterprises [2] Group 2: Financial Support Mechanisms - A risk loss compensation system for technology enterprises has been established, with a funding pool of 130 million yuan to support banks [3] - Knowledge property pledge financing events have facilitated over 30 million yuan in loans to six enterprises, turning patents into financial assets [3] - By the end of 2024, the loan balance for technology enterprises in Luoyang reached 56.583 billion yuan, a year-on-year increase of 19.14% [3] Group 3: Case Studies of Financial Impact - The LYC Automotive Bearing Company received loans totaling 14.0245 million yuan for automation upgrades, significantly enhancing production efficiency [4] - The 1 million-ton ethylene project in Henan received 1.33 billion yuan in project loans, expected to generate 20 billion yuan in annual revenue upon completion [5] - As of March 2025, 13.59 billion yuan in loans were disbursed for technology innovation and equipment upgrades, with a minimum annual interest rate of 2.4% [6] Group 4: Innovative Financial Products - The "Science and Technology E-Loan" product from CITIC Bank provided 10 million yuan to a specialized enterprise facing cash flow issues [8] - The "Good Science Loan" product from Construction Bank allows enterprises to leverage intellectual property as collateral for loans [8] - The Bank of Communications in Luoyang has developed a technology innovation rating model to provide tailored credit approvals for high-tech enterprises [9]

作为国家重要生态屏障和农牧业生产基地，鄂尔多斯市春耕生产不仅关乎粮食安全，更与黄河流域生态 保护、农牧民增收致富紧密相连。中国人民银行鄂尔多斯市分行立足地区实际，提前谋划，印发《金融 支持春耕备耕专项行动方案》，充分发挥货币政策工具引导作用，组织全市金融机构创新服务模式，加 大信贷投放力度，为春耕备耕注入源源不断的金融活水。截至2025年2月末，全市累计发放春耕备耕贷 款57.14亿元，支持农户4.59万户，加权平均利率较上年同期下降0.09个百分点。 鄂尔多斯市地广人稀、农牧户分散，春耕备耕期间，农资需求量激增，许多农户都面临资金周转难题。 当地各金融机构通过"送贷上门"的服务方式，利用"线上+线下"相结合的办贷模式，切实解决农户融资 难、融资慢等问题，让信贷资金直达田间地头。工行鄂尔多斯市分行"工银乌兰牧骑"团队深入农牧区走 访农牧民、种养殖合作社和收粮、农机、种子、化肥等涉农商户和企业，充分调研农业生产和春耕备耕 的贷款融资需求，加强金融产品宣传，助力乡村振兴。此外，中国人民银行鄂尔多斯市分行指导金融机 构为春耕备耕贷款开辟绿色通道，实行快审快批、限时办结，确保资金时效性。 人勤春来早，百事农为先。中国 ...

4月24日，大会创业创新年度颁奖盛典上，兴业银行杭州管理部再次获得"创业服务机构"的称号。数据 显示，截至2025年3月末，杭州管理部辖内科技金融贷款余额达到222亿元，近三年年均复合增长率 20%，是贷款增速的一倍。 4月25日，中国未来独角兽大会上，兴业银行杭州分行副行长赵颎和杭州八大城区母基金共同发布《杭 州AI卧龙图》；当日晚2025中国独角兽之夜上，赵颎上台致辞，并共同启动了"寻龙记"种子独角兽寻访 计划，正式成立"扶摇·独角兽智库"。 商报讯 （记者 苗露 通讯员 许诺） 4月23—25日，由民建浙江省委会、浙江省工商联、中国投资发展促 进会主办的第九届万物生长大会在杭州国际博览中心举行。会上首次推出了《2025浙江独角兽企业榜 单》《浙江未来独角兽企业TOP100榜单》《浙江种子独角兽企业TOP100榜单》三份省级榜单，覆盖了 全省范围内的众多创新型企业。《2025杭州独角兽（准独角兽）企业榜单》也如约而至，其中新晋独角 兽5家，杭州"六小龙"里的DeepSeek、宇树科技和游戏科学赫然在列。 本次大会还首次发布了《2025中国未来独角兽榜单》和《杭州AI卧龙图》。前者聚焦人工智能、具身 智能、 ...

2025年4月25日，安集微电子科技（上海）股份有限公司（以下简称"安集科 技"、"公司"，股票代码688019）向不特定对象发行可转换公司债券成功上市。本次 可转换公司债券发行数量为830.50万张，初始转股价格为168.11元/股，融资总额 83,050.00万元，申万宏源承销保荐担任保荐人和主承销商。 安集科技上海金桥总部 安集科技本次向不特定对象发行可转换公司债券成功上市是申万宏源承销保荐主 动担当践行做好"科技金融"大文章，服务科创板"硬科技"上市公司再融资的典型案 例，也是申万宏源承销保荐继2019年助力公司科创板首批上市、2023年助力公司完 成以简易程序向特定对象发行股票后的又一次精诚合作，持续服务、陪伴客户成长。 Millight 00 High 1981 0 0 LERY H 1 2 3 19 10 , ना HE o t o = THE ■ b 4 . ` । The United on the first of the first of the first of the first of the first of the first of the first of the first ...

Core Viewpoint - Qilu Bank has demonstrated balanced and coordinated development in scale, efficiency, and quality, achieving significant improvements in asset quality and delivering a high-quality development report for 2024 [1] Financial Performance - Total assets of Qilu Bank reached 6895.39 billion yuan, a year-on-year increase of 14.01% [2] - Operating income was 12.496 billion yuan, up 4.55% year-on-year, while net profit attributable to shareholders was 4.986 billion yuan, reflecting a 17.77% increase [1][2] - The bank's loan total was 3371.42 billion yuan, growing by 12.31%, and deposits reached 4395.41 billion yuan, increasing by 10.42% [2] Asset Quality Improvement - Non-performing loan ratio decreased to 1.19%, down 0.07 percentage points from the previous year [3] - The coverage ratio for provisions rose to 322.38%, an increase of 18.80 percentage points, indicating enhanced risk mitigation capabilities [3] Business Structure Optimization - Qilu Bank's net interest income was 9.031 billion yuan, a 1.73% increase, while non-interest income grew by 12.70% to 3.465 billion yuan [2] - The proportion of fee and commission income in total revenue increased by 0.76 percentage points to 10.12% [2] Shareholder Returns - The bank has a consistent cash dividend policy, proposing a cash dividend of 1.39 yuan per 10 shares for 2024, marking a 21% increase from the previous year [4] - Qilu Bank's stock price has seen significant appreciation, ranking among the top in A-share listed banks [4] Innovation and Strategic Focus - The bank focuses on serving urban and rural residents, small and medium enterprises, and local economic development, with a strong emphasis on inclusive finance, green finance, and technology finance [5][6] - Qilu Bank's inclusive finance loans reached 747.04 billion yuan, growing by 13.97%, with an average interest rate of 4.27% [6] Digital Transformation - Qilu Bank is actively embracing digital transformation, enhancing customer engagement and operational efficiency through data analysis and automation [9][10] - The bank has developed a digital talent framework and is fostering a team of over 500 data analysts to support its digital initiatives [11] Social Responsibility - The bank is committed to supporting local economic development, with a 15.51% increase in corporate loan balances and a 46.64% rise in loans to technology enterprises [12] - Qilu Bank has launched various initiatives to promote rural revitalization and enhance its corporate culture [13] Future Outlook - Qilu Bank aims to strengthen its market competitiveness and enhance its strategic business pillars by focusing on steady progress and innovation [14]

Group 1: Core Perspectives - The development of technology finance is crucial for supporting new productive forces, involving various aspects of the financial system, policies, and models [1] - The Chinese government emphasizes the importance of technology finance, green finance, inclusive finance, pension finance, and digital finance to enhance financial services for major strategies and key areas [1][2] - Financial institutions are exploring new organizational structures and credit processes to better serve technology enterprises [1][2] Group 2: Financial Tools and Policies - The diversification of financial policy tools is essential for addressing the financing bottlenecks faced by technology enterprises and accelerating the development of new productive forces [2][3] - Key financial instruments include re-loans for technological innovation and small business support, which are vital for supporting the real economy and promoting innovation [3][4] - The establishment of a financial service evaluation mechanism is necessary to motivate financial institutions to actively support technology enterprises [3] Group 3: Lifecycle Financial Services - Banks should provide diversified financial services throughout the lifecycle of technology enterprises, addressing different financing needs at various stages of development [5][6] - Supporting early-stage technology enterprises through initial loans can enhance their survival rates and competitiveness [5][6] - For growing technology enterprises, expanding financing channels is crucial for promoting innovation and industry advancement [5] Group 4: Risk Management - The unique characteristics of technology enterprises, such as light assets and high risks, necessitate tailored risk management strategies [8][9] - Banks should establish specialized credit approval mechanisms and enhance the professionalism of their approval processes to better support technology enterprises [8] - Digital transformation in financial institutions can improve risk management capabilities and facilitate the development of innovative financial products [9]

进入4月末，区域性银行纷纷交出2024"成绩单"。截至发稿，17家A股上市城商行中，仅有成都银行 （601838）、西安银行（600928）、厦门银行（601187）、贵阳银行（601997）年报尚待正式发布。 报告数据显示，截至2024年末，资产规模达到两万亿元以上的城商行已有6家，分别为北京银行 （601169）、江苏银行（600919）、上海银行（601229）、宁波银行（002142）、南京银行 （601009）、杭州银行（600926）。其中，北京银行资产总额达到4.22万亿元，较2023年增长12.61%。 杭州银行资产总额2.11万亿元，同比增长14.72%，首次突破两万亿元。 成都银行、长沙银行（601577）也属于"万亿俱乐部"。重庆银行（601963）、苏州银行（002966）、青 岛银行（002948）、齐鲁银行（601665）资产规模均保持10%以上的高速增长。 除A股上市城商行外，2024年，徽商银行实现营业收入371.28亿元，同比增长2.10%，实现净利润159.17 亿元，同比增长6.18%；哈尔滨银行2024年实现营业收入142.43亿元，同比增长7.56%，实现归母净利润 ...

Core Insights - Ping An Health Insurance Co., Ltd. released its 2024 Sustainable Development Report, showcasing its practices and achievements in sustainable insurance, responsible investment, social welfare, and corporate governance [1] Group 1: Financial Performance - In 2024, Ping An Health Insurance reported a sustainable insurance premium income of 13.039 billion yuan and a responsible investment scale exceeding 4.449 billion yuan [1][2] - The company made public welfare donations exceeding 2.636 million yuan [1] Group 2: Strategic Initiatives - The company is focusing on five major areas, including technology finance, green finance, inclusive finance, pension finance, and digital finance, to enhance its service offerings and support high-quality development in strategic emerging industries [2] - In technology finance, Ping An Health Insurance is developing group medical, disease, and accident insurance products aimed at R&D personnel in high-tech industries [2] - The green finance initiative includes a responsible investment scale of 4.449 billion yuan, with approximately 781 million yuan allocated to green investments [2] Group 3: Health Management and Social Responsibility - The company is transitioning from traditional insurance to a model that integrates proactive health management services with insurance coverage, promoting a "health insurance + health service" strategy [3] - Ping An Health Insurance is actively fulfilling its corporate social responsibility by engaging in medical health assistance, rural revitalization, and social volunteer services [3]