创新乡村振兴投融资机制，要进一步提高财政资金的使用质效，开辟金融资本和社会资本投资农业农村 新渠道。 推动财政支农资金增量提质。财政支农资金是基础，要在保持资金规模稳步扩张的基础上，持续提升资 金使用质量和投入效率，深度挖潜财政支农资金投资潜力。突出精准，优化现有支农资金支出方向和支 出结构，将资金更加聚焦于补足农业农村发展短板和改善农民生活条件上。突出集成，创新财政资金利 用模式，统筹多部门支农资金形成合力。例如，浙江省宁波市2024年整合农业农村、水利、住建、交 通、科技等部门的涉农政策，共整合支农资金16.73亿元，投入八大提升任务，效果显著。 吸引金融资本和社会资本主动投资。要引入金融资本和社会资本盘活乡村各类要素，提高要素配置效 率，营造良好的投资环境，激发上述资本投资农业农村的积极性，促进农业农村发展潜力转化为经济效 益。破除体制机制障碍，赋予农村各类资产要素更加完整的权能，推进全要素农村产权交易，扩大农村 产权流转交易品种。建立稳定政策预期，规范行政权力，避免出现政策频繁变动，降低制度性交易成 本，坚定两类主体投资农业农村的信心。在此基础上，鼓励两类资本创新投资手段和投资模式，提高投 资效率。 ...

Core Viewpoint - Jiangsu Changjiang Commercial Bank has been committed to serving small and micro enterprises, aligning with the national inclusive finance strategy, and focusing on high-quality development in the inclusive finance sector [1] Group 1: Efficiency in Service - The bank emphasizes efficiency to meet the "short, frequent, and urgent" funding needs of small and micro clients, implementing a time-limited completion system for loan processing [2] - Credit loans are required to be completed within 3 working days, while secured loans should be finalized within 5 working days [2] - The bank has accelerated its digital transformation, allowing small enterprises to complete the entire loan process online, with credit limits known in as little as 3 minutes [2] Group 2: Long-term Partnerships - The bank has established long-term relationships with clients, exemplified by a client who has been with the bank for 11 years, experiencing significant business growth with the bank's support [3] - In the first five months of this year, the bank issued loans to 12,310 small micro enterprises, totaling 14.936 billion yuan, with 2,147 first-time borrowers receiving 865 million yuan [3] Group 3: Localized Services - The bank actively responds to rural revitalization strategies by innovating financial products and services tailored to local needs, providing comprehensive financing solutions for agriculture [4] - A dedicated team of nearly 600 staff engages directly with small enterprises and agricultural clients to understand their financial needs and deliver targeted services [4] Group 4: Commitment to Customer Service - The bank prioritizes service quality, with 1.83 million accounts opened, and has created specialized service areas in branches to enhance customer experience [5][6] - The bank offers personalized services for elderly clients, including large print banking materials and financial education programs [6] - Jiangsu Changjiang Commercial Bank aims to maintain its focus on inclusive finance, striving to become a respected first-class boutique bank while enhancing its service offerings [6]

■金融会客厅 网商银行冯亮： 没有线下网点，服务好6800万小微企业有秘诀 从发放一份名为"订单贷"的1元钱贷款开始、到累计服务6800万小微企业，一家资产规模超过4700亿 元、没有线下网点的民营银行是如何做到的？网商银行成立10周年之际，行长冯亮分享了他对于网商银 行立业之本的思考。 他还首度揭开了网商银行的AI银行图景——成为千万小微商家的CFO（首席财务官）。凭借AI应用所 带来的技术平权，网商银行希望将更具专业性的CFO服务普惠给广大小微企业。 技术是拓展服务边界的不二法门 没有网点，但行长冯亮接触客户的时间并不算少。"我手机微信加得最多的就是小微商家。"冯亮告诉记 者，他每个月都要见至少三四波小微客户，搬个板凳泡壶茶，围坐一起聊聊天。 更多时候，冯亮会拿出银行AI产品的Demo（样本），直观地给客户演示：看看AI可以为票据收付和贴 现带来哪些增值服务？这些看起来高不可攀的新技术，所带来的资金管理的实在收益，让客户"眼前一 亮"。 这样"入微"的"切磋"，让网商银行在成立之初就切中了小微商家的需求痛点，成为网商银行十年以来的 立身之本。 没有网点，网商银行就让产品自己"说话"。 2010年4月13日 ...

Core Viewpoint - Successful inclusive finance in China should achieve significant results in six areas: broader access to basic financial services, easier financing for businesses, stronger financial support for rural development, improved financial consumer education and protection, enhanced financial risk prevention, and a more complete inclusive finance support mechanism [1] Group 1: Inclusive Finance Development - Hengfeng Bank has consistently focused on serving the real economy and supporting small and micro enterprises through product innovation and technology empowerment, significantly contributing to inclusive finance [1] - As of May 2025, Hengfeng Bank's small and micro loan balance reached 179.808 billion yuan, a 9.62% increase from the beginning of the year, with a notable rise in loans to manufacturing and technology enterprises [1] Group 2: Growth Metrics - From 2019 to 2024, Hengfeng Bank's inclusive small and micro loan balance grew from 11.3 billion yuan to 57 billion yuan, with an average annual compound growth rate exceeding 38%, and the number of clients increased from under 9,000 to over 34,000 [9] - Hengfeng Bank has successfully reduced the average interest rate on small and micro loans by 30 basis points since the beginning of the year, enhancing financial support for small enterprises [9] Group 3: Financial Product Innovation - Hengfeng Bank has developed a diverse range of inclusive financial products, including five major offline product categories and six online product categories, to meet the varied financial service needs of small and micro clients [14] - The bank has launched specialized products for different sectors, such as "Park Loan" for industrial park enterprises and "Science and Technology Loan" for technology-based small enterprises [14] Group 4: Digital Transformation - Hengfeng Bank is advancing its digital transformation by building a digital credit comprehensive service system, which has facilitated the issuance of inclusive loans totaling 6.6 billion yuan, with a remaining balance exceeding 5 billion yuan [12] - The bank has established a digital model system for credit processes, implementing various digital projects to enhance operational efficiency [13] Group 5: Regional Focus and Support - Hengfeng Bank is expanding its financial services based on regional characteristics, launching products tailored to local economic needs, such as "Good Cow Quick Loan" and "Good Grain Quick Loan" in Shandong [16] - The bank is committed to supporting rural revitalization by developing a comprehensive financial service system that integrates various industry models and local advantages [17]

Core Insights - The recent announcement of the "2025 Good Financial Products" list highlights Qilu Bank's innovative financial solutions, with three of its cases and products recognized for their contributions to sustainable development, green finance, and digital finance [1] Group 1: Financial Products and Innovations - Qilu Bank's "Bearing Village Loan" targets small and micro enterprises in the bearing industry, providing flexible loan conditions and favorable interest rates to address funding gaps [4][5] - The "Sustainable Development Linked Loan" product ties loan interest rates to borrowers' sustainability performance, encouraging companies to meet predefined sustainability goals [6][7] - As of Q1 2025, Qilu Bank's outstanding loans for small and micro enterprises reached 759 billion yuan, reflecting its commitment to inclusive finance [5] Group 2: Industry Impact - The bearing industry in Linqing, Shandong, is significant, with over 5,400 related enterprises and an annual transaction volume exceeding 20 billion yuan, accounting for over 10% of the national bearing market [3] - Qilu Bank's financial support has enabled companies like Shandong Pinwei Bearing Manufacturing Co., Ltd. to expand production and improve technology, achieving a tenfold increase in product precision [3][4] Group 3: Digital Transformation - Qilu Bank has implemented a financial data foundation and application service system based on lake-warehouse integration technology, enhancing data processing efficiency and flexibility [9][10] - The bank's digital transformation strategy includes a focus on customer management, operational efficiency, and technology empowerment, with plans for over 110 transformation tasks [10][11] - The bank's digital initiatives have led to a 50% reduction in data storage and a 70% improvement in response time, significantly enhancing operational efficiency [10]

Group 1 - The central government has allocated special transfer payment funds to support the development of inclusive finance, significantly reducing the comprehensive financing costs for small and micro enterprises and alleviating their financing difficulties [1][2] - The entrepreneurship guarantee loan policy has been implemented to provide interest subsidies for loans applied by key employment groups and small micro enterprises, with the maximum loan limits set at 300,000 yuan for small enterprises and 20,000 yuan for individuals [2][3] - As of October 1, 2023, the maximum loan limits for personal entrepreneurship guarantee loans have been increased to 30,000 yuan and for small micro enterprises to 400,000 yuan, alongside a 50% interest subsidy [3] Group 2 - The Ministry of Finance has announced a list of 90 regions, including cities like Yangzhou and Shenzhen, that will receive central financial support for the development of inclusive finance demonstration zones by providing performance-based subsidies [4][5] - Financial institutions in these demonstration zones are encouraged to innovate financial products and services, enhancing mechanisms for risk compensation and information sharing to promote inclusive finance [4][5] - The performance-based subsidy distribution is structured into three tiers, with varying amounts allocated to different regions based on their performance rankings [5][6] Group 3 - The central government has provided targeted fee subsidies to rural financial institutions to enhance their services, particularly for small credit loans to farmers [9] - Eligible rural financial institutions must meet specific criteria, including a year-on-year increase in the average balance of small credit loans to farmers and a minimum loan-to-deposit ratio [9] - For example, in Ordos City, the implementation of targeted fee subsidies led to a significant increase in small credit loans, with a year-on-year growth of 9.8 times in 2024 [9] Group 4 - The use of fiscal funds for inclusive finance has alleviated the risk concerns of financial institutions when lending to small micro enterprises and key employment groups, while also lowering the barriers for these groups to access credit [10] - The collaboration between fiscal and monetary policies has enhanced the accessibility and inclusiveness of financial services, empowering financial institutions to better serve the market [10]

加快数字供应链融资业务发展。加强线上业务场景化搭建，发挥该行"线上+线下"产品优势，强化产品 组合应用，为客户提供更加个性化、定制化的金融服务。深入推进"一链一策"制度，深化银企对接，积 极规范开展线上供应链融资业务，以核心企业提供增信措施，降低对传统抵押担保的依赖，加大对小微 企业薄弱环节的支持，一定程度上缓解了小微企业融资难、融资贵的问题。 强化科技赋能数字金融发展。加快大数据、云计算、区块链和人工智能等数字科技运用，有效整合企业 信息，批量构建全面、准确、快速的企业画像，增强获客、运营和风控能力，更好服务企业融资。持续 提升数字普惠金融产品的易用性、安全性、适老性，缓解"数字鸿沟"问题。（李建禄） 编辑：穆皓 转自：新华财经 工行贵港分行积极为"五篇大文章"重点领域提供资金支持，切实当好服务实体经济的主力军。该行积极 运用数字供应链融资产品，为核心企业上下游小微企业办理融资业务，及时解决小微企业融资难、融资 贵的问题。截至2025年5月末，该行存量法人数字供应链融资业务72户共30280万元；其中本年办理法人 数字供应链融资业务93笔共17759万元，惠及小微企业72户。 持续优化普惠金融长效发展机制。 ...

21世纪经济报道记者郭晓洁 广州报道普惠金融迎来新发展阶段顶层"施工图"。 6月26日，金融监督管理总局、中国人民银行联合发布《银行业保险业普惠金融高质量发展实施方案》 （以下简称《实施方案》），明确"未来五年，基本建成高质量综合普惠金融体系，普惠金融促进共同 富裕迈上新台阶"的发展目标，并提出优化普惠金融服务体系、巩固提升普惠信贷体系和能力、加强普 惠保险体系建设等六大方面16条措施。 程瑞表示，高质量的普惠金融体系构建将发挥三大作用，一是将进一步优化普惠金融供给体系，形成分 工明确、各具特色、有序竞争的供给格局，满足多样化、差异性、下沉化的普惠金融需求；二是将进一 步巩固并提升普惠金融信贷的供给能力，一方面在管理机制上提升科学性，保障金融机构信贷投放的效 率和商业可持续性，另一方面加强对小微、三农等特定群体的供给；三是将显著加强普惠保险体系的建 设。 在加强普惠保险体系建设方面，《实施方案》对保险公司在专业体制机制建设、普惠产品供给、服务质 量及监管政策引领上都提出了明确方向。 中国普惠金融研究院原执行院长莫秀根向21世纪经济报道记者表示，客观来说，相对于普惠信贷，当前 普惠保险仍处于起步阶段，在内涵与外 ...

山东农担以战略眼光聚焦优势产区和特色集群，加快对畜牧优势产业提档增效，驱动产业从"量的积累"向"质的飞跃"华丽转身。截至目前，对沿黄肉牛、 鲁北肉羊、烟台生猪、临沂肉鸡、高青黑牛等多个产业集群支持担保贷款规模累计均已超过10亿元，有力推动各地做好畜牧产业"土特产"文章。 齐鲁晚报·齐鲁壹点 胡晓娟 通讯员 肖玉璇 在巨野县某禽业公司的鸡舍内，八层全自动笼养设备高效运转，王厂长看着崭新的生产线感慨："农担贷款就是一场及时雨，帮我渡过了难关！"她口中 的"及时雨"，正是山东省农业发展信贷担保有限责任公司（以下简称"山东农担"）的创新产品——"鲁担农牧贷"。截至目前，该产品已累计为7.3万户畜牧 经营主体提供担保贷款449亿元，为山东省畜牧业高质量发展注入了源源不断的金融"活水"，成为激活乡村产业振兴的重要引擎。在2025"好品金融"活动 中，"鲁担农牧贷"脱颖而出，成功获评"普惠金融"典型产品。 畜牧业是关乎国计民生的重要产业，肉蛋奶是千家万户"菜篮子"的核心担当。山东农担立足政策性定位，以"鲁担农牧贷"为支点，撬动金融资源向畜牧关 键领域深度汇聚。在支持生猪养殖方面，将能繁母猪、育肥猪授信标准分别提升至3220 ...

Core Viewpoint - The Construction Bank's Fujian Branch is committed to integrating a distinctive financial development culture into its operations, focusing on serving the real economy and contributing to the high-quality development of Fujian's economy through innovative financial products and services [1] Group 1: Financial Services Innovation - The Fujian Branch has established a "Rural Comprehensive Property Trading and Management Service Platform," facilitating a recent forest rights auction that achieved a 112% premium rate [2] - The bank has supported over 160,000 private enterprises, providing comprehensive services including international settlement and cash management, and has assisted in the registration of the first private enterprise "Panda Bond" in the country [2] - The bank has developed specialized services for technology enterprises, with a loan balance exceeding 900 billion yuan for technology-related industries as of May [3] Group 2: Agricultural and Rural Financing - The bank has created a comprehensive financial service plan for the edible mushroom industry in Gutian County, providing over 5 billion yuan in loans to more than 3,200 mushroom farmers [4] - The bank has conducted outreach activities, providing over 530 billion yuan in credit to 66,000 small and micro enterprises, with online inclusive finance accounting for over 94% of its business [4] Group 3: Consumer Finance and Housing Support - The Fujian Branch has implemented a consumer finance initiative, disbursing over 49 billion yuan in personal consumer loans since 2024, focusing on sectors like new energy vehicles and tourism [5] - The bank has also provided 39 billion yuan in personal housing loans, serving 80,000 families, and has introduced the first allocation-type housing loan in Fujian [5] Group 4: Risk Management and Security - The bank has adopted AI-driven financial analysis tools to enhance credit approval processes, generating over 460,000 financial analysis reports since the project's launch in July 2024 [6][7] - The bank has established a comprehensive risk management framework, integrating technology for real-time monitoring and fraud prevention, while actively promoting financial literacy among vulnerable groups [7]