2025年6月27日，清华大学五道口金融学院受邀在第14届中国（广州）国际金融交易·博览会上 举办主旨会议。会议由清华大学五道口金融学院主办，北京清控金媒文化科技有限公司、广州 金交会投资管理有限公司、《清华金融评论》编辑部承办。会议以"新产业、新技术、新模式、 新动能——数智金融助力高质量发展"为主题，为期1天，设置主旨演讲、高端对话、主题发言 和圆桌交流环节。多位来自金融、保险、法律与健康产业领域的顶尖学者和资深从业者，围绕 普惠金融发展、数智化金融创新、产业并购机遇及健康险生态合作等话题进行了深入交流。 中国人民大学中国普惠金融研究院（CAFI）院长贝多广 作主题分享 ，他提到，一是正确认识普惠 金融的内涵，不是简单的普及加优惠，而是要将中小微弱等群体包容进来，提供金融服务，其核心 是包容性。二是明确普惠金融的广泛范围，不应局限于普惠信贷，而是一个综合服务体系，要涵盖 整个金融体系，包括普惠信贷、消费金融、普惠保险、股权投资等。三是目前普惠金融生态体系仍 存在不足，应加强对农村养老、中小微科创企业、绿色金融覆盖中小微农村等领域的重点支持。最 后，他指出，数字金融未来方向是数智化。 图为贝多广发言 以下为 ...

Core Viewpoint - The timely provision of a 300,000 yuan credit to a local farmer significantly alleviates financial pressures, enabling better procurement of agricultural inputs and enhancing the potential for increased crop yields [1][3][5] Group 1: Financial Support and Accessibility - The farmer, Shang Xiaosheng, received 300,000 yuan in credit, which he described as a much-needed support for his agricultural operations [1][3] - The credit was facilitated by Qishang Bank through a streamlined process, demonstrating the bank's commitment to improving access to financial services for agricultural businesses [3][5] Group 2: Agricultural Impact - The funds are expected to be used for high-quality corn seeds and efficient fertilizers, which are crucial for the upcoming planting season on 150 acres of land [5] - Based on previous experiences, the farmer anticipates a 10% increase in yield due to the timely availability of funds, indicating a direct correlation between financial support and agricultural productivity [5] Group 3: Broader Implications for Rural Development - The initiative reflects Qishang Bank's efforts in promoting inclusive finance and supporting rural revitalization through targeted financial services [5] - The story of Yonghao Family Farm exemplifies how financial institutions can play a vital role in addressing the financing challenges faced by agricultural operators [5]

不动产信托财产登记制度缺失是我国信托行业发展长期面临的制度障碍，北京市通州区的全国首单居民 不动产信托财产登记实践案例为破解这一制度障碍提供了创新样本。本文从案例参与者的第一视角，通 过分析通州案例的机制创新、制度创新路径，思考不动产信托在普惠金融与养老金融领域可能发挥的独 特价值。 制度破冰：不动产信托登记改革的历史性跨越 行业痛点倒逼制度创新 我国信托行业长期面临不动产信托财产登记制度缺失的掣肘，严重制约不动产信托业务发展。数据显 示，截至2024年末，全国68家信托公司受托财产规模达27万亿元，但资产服务信托类别下的不动产信托 仅数例。制度性障碍集中体现在以下三点： 一是产权归属的法律界定不清。此前，房产直接登记于信托公司名下，导致财产权属与信托本质要求产 生错位。当信托公司面临债务纠纷或破产清算时，相关房产存在被纳入偿债资产的风险，实质上架空了 信托财产的风险隔离功能。这种权属混淆不仅威胁受益人权益，更衍生出一系列法律争议。 二是房产交付过程烦琐。传统模式要求委托人将现金注入信托计划后再去购置其房产。但对于房产为主 要家庭资产的普通家庭而言，这意味着须额外筹措过桥资金（成本约万元级）并承受至少一个月的 ...

央广网广州7月2日消息（记者罗世伟）广州老城区一处街道公房，过去是禁毒站办公室和出租物业，如今改建为 普惠托育园；在天河区CBD，一家"政医共建、国企举办"的托育中心，乳儿班托位已排到2026年；而在荔湾区石 围塘街，社区嵌入式普惠托育服务点就设在社工站内，几名孩子正在安静地听老师讲绘本……从一间房、一个园 到一张网，一项关乎千万家庭切身利益的公共服务，正在广州街区中"生根发芽"。 近年来，广州以"一街一普惠"为基础，以医育融合、资源整合、公私结合为路径，不断完善0—3岁婴幼儿照护服 务体系，在制度牵引、财政支持与基层实践之间，逐步绘就一张覆盖广、结构稳、能落地的普惠托育服务网络， 力求让更多家庭实现"托得起、托得好、托得安心"。 在海珠区，记者走访看到，龙凤街道普惠托育园依托康隆社区党群服务中心建设，场地由街道提供并免收租金， 交由第三方机构运营。目前园所已招收20余名婴幼儿。 "我们根据周边家庭收入水平和运营成本，制定了每月2280元的收费标准，既能维持运营，家长也能接受。"园方 负责人程映雪介绍，园所设有混龄班，配备专职保育师和健康管理员，并定期开展家长课堂，推动家园共育。 龙凤街道相关负责人表示，为实 ...

转自：新华财经 该行完善"敢贷、愿贷、能贷、会贷"长效机制，优化完善"小微e贷"及无还本续贷产品功能，为2374户 小微企业提供续贷融资13.1亿元；新增推广"微捷贷""现场+远程"业务模式，扩大"核心企业+上下游客 户"链条服务，实现供应链融资服务20.8亿元；丰富科创型企业产品架构，新增上线"科捷贷"信用产 品；开展重点产品阶段性利率优惠，为重点客户发放利率优惠券，一手抓客户稳存，一手抓新增营销， 全方位提升全行普惠金融服务质效。（王学红） 编辑：赵鼎 农行宁夏分行将支持小微企业融资协调工作机制作为普惠金融重点发力方向，将落实落细工作机制与普 惠金融日常服务深度融合，举全行之力加快提升小微企业融资服务。截至6月末，累计向4.5万户小微企 业授信154.4亿元，实现贷款投放149.5亿元，授信金额及户数，贷款金额及户数等4项主要指标均居区内 四行首位。 该行全面推进小微企业融资协调工作机制与普惠日常经营深度融合，召开普惠金融年度工作会议，制 定"一领先、两突破、三稳定、四争优、五提升"年度工作目标，多次召开专题会议推进机制落实落细， 持续加大普惠金融信贷投放服务力度。截至6月末，全行普惠贷款余额157.1亿 ...

Core Insights - The 2025 China International Financial Expo has commenced in Shanghai, featuring over 300 participating institutions, including domestic and international financial entities, technology companies, and industry organizations [1] - Luzhou Bank, as the first listed bank in a prefecture-level city in Southwest China, showcased its innovative practices in inclusive finance, pension finance, financial technology, and collaborative construction of a western financial center [1] - The bank's new generation electronic banking platform project won the "Best Technology Innovation Award" at a recent financial competition, highlighting its technological advancements [1] Group 1: Inclusive Finance Innovations - Luzhou Bank has launched a fully intelligent credit center system, enabling "minute-level credit approval" through AI decision engines and blockchain technology, providing a seamless service experience [2] - The bank has developed a matrix of 23 online products to cater to various small and micro enterprises, offering customized financial solutions across different industries [2] Group 2: Elderly Financial Services - In response to the growing demand for pension financial services due to an aging population, Luzhou Bank has created a "five-in-one" service system, focusing on mobile, companionship, remote, on-site, and security services [3] - The bank's "elderly-friendly" mobile banking version simplifies operations for older users, enhancing accessibility through larger fonts and clearer layouts [3] Group 3: Key Features of Elderly Services - The bank's elderly services include features like one-click access to video customer service and automatic identification of users over 60, ensuring quick access to human representatives [4] - Luzhou Bank has introduced a "fraud prevention safety bell" service, requiring verification from family members for transactions, thereby protecting elderly clients from financial fraud [4] Group 4: Future Directions - Luzhou Bank views participation in the China International Financial Expo as a significant opportunity to showcase innovation, enhance industry communication, and boost brand influence [5] - The bank aims to continue leading with technological innovation, integrating financial technology with business development to support the real economy and contribute to the construction of a western financial center [5]

Core Insights - The 2025 Lujiazui Forum has commenced with the theme of "Financial Opening and Cooperation in the Global Economic Landscape," showcasing advancements in AI and digital credit technologies in reshaping the financial ecosystem [1] - Ping An Group's financial subsidiary, OneConnect, emphasizes a customer service philosophy of "saving worry, time, and money," aligning with market trends to support innovation through technology-driven solutions [1] Group 1: Small and Micro Enterprises Financing - A case study highlights a ceramic small business owner in Jiangxi facing financing challenges due to traditional credit models that require collateral, leading to delays in funding [2] - A local city commercial bank introduced a specialized loan product for ceramic small businesses, utilizing transaction data and tax records to create "digital credit," significantly reducing the approval process to 24 hours [2][3] - The collaboration between OneConnect and the Jiangxi city commercial bank has resulted in a "Inclusive Financing Service Platform," improving loan approval efficiency by 12% and achieving a monthly loan amount of 300 million yuan for ceramic small enterprises by mid-2025 [3] Group 2: Digital Transformation in Financial Services - OneConnect's digital solutions have enhanced the efficiency of loan processes, with a private bank reporting over a 40% increase in loan processing efficiency after implementing a comprehensive digital credit solution [3] - The introduction of the "Jin Jie Ying AI Mortgage Solution" has automated 92% of mortgage processes, increasing productivity for customer managers by six times and providing a more efficient financing channel for small businesses and farmers [4] - The integration of AI technology across various financial services has led to significant operational improvements, such as a 25% increase in claims processing efficiency for an insurance company and a 50% reduction in policy issuance time for life insurance [5][6] Group 3: Ecosystem Development and Impact - OneConnect's services have reached over 2 million small and medium-sized enterprises, contributing to an inclusive loan balance of 32.93 trillion yuan, and promoting a "data credit" model in rural industries [7] - The company collaborates with government and regulatory bodies to enhance financial technology infrastructure, achieving a 40% increase in loan efficiency and a 50% improvement in AI risk control capabilities [7] - The overarching goal is to embed technology into the financial ecosystem, facilitating a symbiotic relationship between finance and industry, thereby contributing to a "Chinese paradigm" in global inclusive finance development [8]

■本报记者李美丽通讯员邓颖航 近年来，广东丰顺农商银行立足服务"三农"主责主业，将党的政治优势、组织优势源源不断转化为推进 农村普惠金融的强劲动能，探索出"党建强引领、组织强根基、服务强实效"的特色发展之路，让普惠金 融的阳光雨露精准滴灌至乡村振兴的"神经末梢"。 丰顺农商银行坚持"业务发展到哪里，党组织就建到哪里，金融服务就覆盖到哪里"，在乡镇网点设立功 能型党支部，在村居一线建立党员责任区，在特色产业聚集区设立党员先锋岗，构建"党委—党支部— 党员责任区/先锋岗"三级联动组织架构，金融服务网格覆盖全县所有行政村。 该行创新实施"党建+金融特派员"制度，精心选派政治素质硬、业务能力强的党员骨干，深入担任行政 村（社区）金融特派员，打通金融服务"最后一公里"。截至目前，该行已派驻金融特派员149名，服务 覆盖率达100%。 该行积极推动基层党组织联动共建，与地方乡镇党委、村（社区）党支部签订党建共建协议，依托共建 平台，联合开展"围屋党课""信用村（户）联创"等活动，成功打造"丰顺县汤南镇新楼村红色信用村"等 数个示范点，有效激活乡村治理与金融服务"双引擎"。 该行组建党员流动金融服务队，配备移动终端设备，常 ...

证券时报记者 秦燕玲 完善政策保障方面，《措施》提出了优化风险分担补偿机制、落实相关财税支持政策、深化信用信息共 享应用、有序推进小微企业信用修复工作、强化高质量发展综合绩效评价这5条具体举措。 增加融资供给方面，《措施》提出，要做深做实支持小微企业融资协调工作机制、强化小微企业贷款监 管引领、用好结构性货币政策、落实小微企业无还本续贷政策、支持小微企业开展股权融资。 作为精准对接供需两端的政策机制，支持小微企业融资协调工作机制由金融监管总局、国家发展改革委 牵头成立，去年10月正式启动。本次《措施》要求，支持小微企业融资协调工作机制要在融资对接基础 上，注重协调解决小微企业实际经营困难，激发小微企业经营活力。鼓励向外贸、民营、科技、消费等 重点领域倾斜对接帮扶资源，加大支持力度。 《措施》强调要加大首贷、信用贷、中长期贷、法人类贷款、民营类贷款投放。同时，明确支持小微企 业开展股权融资。支持符合条件的小微企业在新三板挂牌，规范成长后到北交所上市，引导社会资本更 多向创新型中小企业聚集，带动同行业、上下游小微企业共同成长。 支持地方金融管理部门指导辖内区域性股权市场不断提升面向小微企业的规范培育、股权融资等服 ...

Core Viewpoint - The document outlines a series of measures aimed at improving and safeguarding people's livelihoods, focusing on social security, public services, and community support to address urgent public concerns. Group 1: Social Security Enhancements - Comprehensive cancellation of household registration restrictions for participating in social insurance at the place of employment [1][2] - Provision of social insurance subsidies for eligible college graduates and individuals facing employment difficulties [2] - Gradual promotion of cross-provincial mutual aid for individual accounts in basic medical insurance [2] Group 2: Support for Low-Income Groups - Utilization of big data and field surveys for dynamic monitoring and timely inclusion of eligible individuals into social assistance programs [2] - Establishment of methods for identifying low-income populations and verifying the economic status of low-income families [2] - Adjustment of minimum living security standards linked to per capita consumption expenditure in urban and rural areas [2] Group 3: Improvement of Public Services - Development of a detailed list of basic service projects and quality standards based on national public service standards [2][3] - Promotion of digital technology integration with public services to enhance data sharing and accessibility [2] - Implementation of basic public services provided by the place of residence, ensuring equal rights for agricultural transfer populations [3] Group 4: Education Resource Enhancement - Execution of an action plan to improve the quality of basic education, including the expansion of quality middle and primary school capacities [3] - Construction and renovation of over 1,000 quality regular high schools, particularly improving conditions in county-level schools [3] Group 5: Healthcare Resource Sharing - Implementation of a strong foundation project in healthcare to promote the sharing of medical resources between urban and rural areas [4] - Development of a commercial health insurance innovative drug directory to meet diverse medication needs [4] Group 6: Community Services for Elderly and Children - Establishment of nursing bed ratios in new elderly care institutions to be no less than 80% [4] - Promotion of community-based childcare services to cover over 80% of communities in major cities within ten years [4] Group 7: Implementation and Oversight Measures - Emphasis on fiscal transfer payments to promote equalization of basic public services and increase budgetary support for social sectors [4] - Requirement for local governments to strengthen responsibility and optimize fiscal expenditure structures to ensure effective implementation of livelihood policies [4]