党建赋能科技金融，激活创新发展新动能。邳州农商银行坚持把党建引领贯穿科技研发与服务创新各环 节，设立党员先锋岗，以"敢为人先"的担当破解服务痛点、提升服务效能。依托大数据、人工智能等前 沿技术，构建智能化风控体系，将蒜农种植面积、板材企业经营流水、商户信用记录等多维度数据整合 分析，制定标准化评级模板，实现贷款审批"精准画像、智能决策"，让金融服务从"经验判断"向"数据 说话"转变。构建并动态更新"科创企业白名单"，精准对接"专精特新"企业和科技型企业，推广"专精特 新贷"等专项信贷产品，实施精准滴灌式金融服务。 站在新的发展起点，邳州农商银行将持续深化党建与业务融合，为推动邳州经济社会高质量发展、助力 乡村全面振兴贡献更强农商力量。胡梦 党建深耕普惠金融，筑牢乡村振兴新根基。坚守"支农支小"初心使命，邳州农商银行把普惠金融服务延 伸至田间地头、街头巷尾，构建"党建+金融村官+网格化"服务模式，打通金融服务"最后一公里"。全行 197名金融村官以"三强五进"工作法为指引，每周固定入驻行政村参与乡村治理，建立村民普惠信息档 案66.8万户，实现全市行政村整村授信全覆盖，让超70%的村民享受到"无感授信、有感反馈 ...

截至2025年末，该公司合并总资产8.56万亿元，同比增长14.4%；管理资产规模17.5万亿元，同比增长 11%；为经济社会提供风险保障金额超1400万亿元，投资服务实体经济达到5.4万亿元。旗下寿险公 司、财险公司、养老险公司风险综合评级，资产公司年度监管评级均获行业最高等级。 会议部署2026年重点工作提出，公司将加快推进数智变革，纵深推进"333战略"实施，全力实现经营业 绩稳中有进、新增长极培育加力加速、数智变革成效初见、风险防控扎实有效等高质量发展目标。 ◎记者 韩宋辉 中国人寿集团1月28日至29日在京召开2026年工作会议时披露，2025年该公司实现合并营业收入1.28万 亿元，同比增长11.3%；合并保费收入8874亿元，同比增长7.4%；合并投资收益4011亿元，同比增长 17.6%，带动合并净利润大幅增长。 具体而言，中国人寿系统将以科技为支撑、以场景为牵引、以价值为导向，统筹技术创新与运营升级， 聚焦数据、算法、算力、平台、生态、场景等六大关键要素，加快塑造以业务科技全面融合、组织运营 敏捷透明、赋能一线精准高效、产品服务触手可及、风险感知实时全域为主要特征的"未来国寿"，为数 字金融 ...

创新综合收单，优化商户收款体验 "以前收银台摆着三四个二维码，微信、支付宝、银联分开收，对账得挨个平台核对，又费时间又容易 错，现在一个码全搞定，到账有语音提醒，晚上对账一键导出，省了太多事儿！"周村古商城内烧饼店 王师傅一边给游客打包烧饼，一边笑着称赞。 针对商超、餐饮、文旅、零售等不同行业商户需求，周村农商银行构建"综合收单+场景"服务模式，实 现多渠道支付覆盖，配套实时到账提醒、免费对账导出等增值服务，对交易流水达标商户实行一定额度 内提现零手续费政策。截至目前，综合收单已覆盖全区3000余家重点商圈及乡镇核心商户，月均交易金 额超1.2亿元，经商户反馈对账时间平均节省60%以上，有效降低经营成本。 创新普惠授信，提升融资可得性 周村农商银行在省联社指导下，立足服务"三农"和小微企业主责主业，扎实推进数字化转型，以综合收 单、普惠授信白名单、存款到期查询系统、客户画像四大核心举措，持续提升金融服务的便捷度与精准 度，为地方实体经济高质量发展和民生福祉提升注入金融动能。 周村农商银行客户经理依托信贷白名单筛选机制，将在王村镇种植30多亩果蔬的张先生列为重点走访对 象。走访过程中了解到他今年计划扩建大棚、引 ...

1月28日至29日， 中国人寿集团在京召开2026年工作会议。会议提出，全面推进数智变革，着力塑造未 来国寿，纵深推进集团"333战略"全面突破。以科技为支撑、以场景为牵引、以价值为导向，统筹技术 创新与运营升级，统筹自主可控与开放合作，统筹锻造长板与补齐短板，统筹发展与安全，聚焦数据、 算法、 算力、平台、生态、场景等六大关键要素，加快塑造业务科技全面融合、组织运营敏捷透明、 赋能一线精准高效、产品服务触手可及、风险感知实时全域为主要特征的未来国寿，为数字金融发展探 索国寿方案，引领中国人寿成为数字时代 保险新锐。 ...

行业研究 | 银行 证券研究报告/行业研究/行业深度 2026 年 01 月 28 日 银行业：积极推动融资降本举措， 首批业绩快报提振市场情绪 银行业 ETF 双周报（2026.01.12-2026.01.25） 研报摘要 行业监管动态： 1、国家金融监督管理总局发布《银行保险机构资产管理产品信息披 露管理办法》； 2、国家金融监督管理总局发布《银行业保险业数字金融高质量发展 实施方案》； 3、国家金融监督管理总局发布《商业银行并购贷款管理办法》； 4、财政部、工业和信息化部、中国人民银行、金融监管总局关于实 施民间投资专项担保计划的通知； 5、财政部、国家发展改革委、工业和信息化部、中国人民银行、金 融监管总局关于实施中小微企业贷款贴息政策的通知； 6、财政部、中国人民银行、金融监管总局关于优化实施个人消费贷 款财政贴息政策有关事项的通知； 7、财政部、商务部、中国人民银行、金融监管总局关于优化实施服 务业经营主体贷款贴息政策的通知； 8、财政部、国家发展改革委、中国人民银行、金融监管总局关于优 化实施设备更新贷款财政贴息政策的通知。 行业动态： 1、中国人民银行决定下调再贷款、再贴现利率； 2、中国人民 ...

Core Viewpoint - China International Capital Corporation (CICC) and Huawei Technologies Co., Ltd. have signed a strategic cooperation agreement to enhance collaboration in various sectors, focusing on digital finance and technology empowerment in finance [2] Group 1: Strategic Cooperation Areas - The agreement emphasizes collaboration in digital infrastructure construction, digital travel services, intelligent transformation, artificial intelligence applications, and the native Harmony ecosystem [2] - Both companies aim to engage in joint innovation, talent development, brand building, and ecosystem expansion [2] Group 2: Focus on Digital Finance - The partnership will specifically target advancements in digital finance, leveraging technology to enhance financial services [2] - There is a strong emphasis on deepening cooperation in the realm of digital financial solutions [2]

Core Viewpoint - The People's Bank of China, Haidong Branch, is enhancing rural financial services to support key areas of rural revitalization, including food security and agricultural development, with a focus on improving the accessibility and convenience of financial services [1][2][3][4][5][6][7] Group 1: Financial Support for Rural Revitalization - As of November 2025, the agricultural loan balance in Haidong City reached 29.329 billion yuan, an increase of 6.7% from the beginning of the year [1] - A total of 1.55 billion yuan has been allocated through re-loans for supporting agriculture and small enterprises, with a balance of 1.994 billion yuan, achieving a usage rate of 91.2% [2] - The average interest rate for agricultural loans has been reduced to below 5.3%, representing a decrease of approximately 30 basis points compared to the same period last year [2] Group 2: Targeted Financial Supply Optimization - The loan balance for grain production and other key agricultural products reached 6.687 billion yuan, a year-on-year increase of 17.8%, while loans for seed industry revitalization reached 174 million yuan, up 35.67% year-on-year [3] - Financial institutions have issued 5,911 loans totaling 1.795 billion yuan to meet the financial needs of agricultural operators [3] - A total of 9.3 million yuan in credit support has been provided to enterprises exporting highland cool vegetables to Hong Kong and Macau [3] Group 3: Enhancing Financial Service Quality - The bank is actively engaging with financial institutions and enterprises to improve the loan approval rate for individual businesses and small enterprises [4] - Financial support policies are being evaluated annually in three key counties to ensure credit growth exceeds the city-wide average [4] - As of November 2025, the balance of microloans for the impoverished population reached 343 million yuan, benefiting 7,281 households [4] Group 4: Building a New Rural Financial Ecosystem - The rural credit system has been enhanced, with 5 credit counties, 85 credit townships, and 1,334 credit villages established, benefiting 236,000 households [5] - Financial institutions have utilized a platform to provide credit information reports for 803 cases, granting 314 million yuan in credit to 141 small and micro enterprises [5] Group 5: Improvement of Basic Financial Services - The number of marketable agricultural financial service points has reached 1,024, contributing to the standardization and normalization of financial services [6] - A total of 173 anti-fraud activities and 7 counterfeit currency training sessions have been conducted to enhance risk awareness among rural residents [7] - The total sales of national bonds in Haidong reached 638 transactions, amounting to 13 million yuan [7]

Core Viewpoint - The financial sector in Tongren City is set to play a crucial role in supporting the real economy, with a focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aiming for high-quality economic development by 2025 [1][2] Group 1: Financial Growth and Economic Impact - By the end of 2025, the loan balance of financial institutions in Tongren City is expected to grow by 6.02% year-on-year, contributing 0.84 percentage points to GDP growth [1] - The city's GDP is projected to increase by 5.6%, leading the province in growth rate, with the green economy's share rising to 54.5% [1] Group 2: Development of Technology and Green Finance - The technology finance sector is rapidly developing, with a targeted approach to support specialized small and medium enterprises, resulting in a technology loan balance of 199.69 billion yuan and 588 service loan accounts by the end of 2025 [1] - The "Fanjing Ecological Account" online service platform is expected to surpass 200,000 accounts, with credit issuance exceeding 10 billion yuan, reflecting significant year-on-year growth of 69.01% and 75.59% respectively [1] Group 3: Inclusive, Pension, and Digital Finance - Inclusive finance is advancing, with the balance of small and micro loans increasing by 5.09% year-on-year, and a reduction of 53 basis points in housing loan rates, effectively lowering financing costs for enterprises [2] - In the pension finance sector, loans are projected to grow by 25.44% from the beginning of the year, while digital finance is expected to see a 29.01% year-on-year increase in loan balances, driven by the development of mobile internet services [2] Group 4: Commitment from Financial Institutions - Financial institutions in Guizhou are committed to aligning with Tongren's development needs, focusing on increasing credit investment in key industries, major projects, and revitalizing resources, assets, and capital [2]

科技金融激发创新活力。中国人民银行内蒙古自治区分行联合相关部门建立统筹推进机制，为自治 区"科技兴蒙"行动和"科技突围"工程注入强劲金融动能。截至2025年12月末，全区科技创新和技术改造 贷款余额140.7亿元，较2025年初增加117.7亿元，获得科技贷款企业7278家，较年初增加667家，累计发 行科技创新债券115亿元。 绿色金融支持节能降碳。2025年以来，全区累计发放碳减排贷款80.7亿元，金融机构获得碳减排支持工 具资金48.4亿元，支持企业77家，带动碳减排量328.9万吨。截至2025年12月末，全区煤电、钢铁及农业 转型金融入库项目32个，落地转型金融贷款8.1亿元。金融机构还针对性开发"碳标签"贷款等绿色信贷 产品服务，先后落地全国首单肉类、木制品"碳标签"挂钩贷款1.6亿元。 普惠金融提升服务质效。截至2025年12月末，全区民营经济贷款余额8056.9亿元，中小微企业贷款余额 12675.3亿元，分别同比增长7.5%和6.9%。同时，全区加大涉农领域金融供给，探索开展"农畜贷"金融 服务工作，创新"政银保担监"多方共担模式，盘活农村牧区资源。截至2025年12月末，全区农畜贷贷款 余 ...

Core Viewpoint - The Chinese government is focusing on enhancing agricultural technology innovation and financial support for the agricultural sector to ensure food security and promote high-quality agricultural development by 2026 [1][2]. Group 1: Financial Support for Agricultural Innovation - Financial institutions are encouraged to provide targeted financial services to support agricultural technology innovation, with a goal of exceeding 64% contribution from agricultural technology progress by 2025 [1]. - The People's Bank of China and the Ministry of Agriculture and Rural Affairs have issued guidelines to enhance financial support for rural reforms and agricultural productivity [2]. - Financial products such as "Agricultural Machinery Loans" and "Agricultural Science Loans" are being developed to address specific needs in the agricultural sector [5]. Group 2: Policy and Structural Support - The government is implementing policies to create a supportive environment for financial institutions to lend to agricultural technology projects, including fiscal subsidies for equipment updates [3]. - Collaborative efforts between fiscal and financial sectors aim to achieve greater policy effectiveness, with initiatives like the "technology contract + plant variety rights" dual pledge loan model being introduced [6]. - The establishment of a comprehensive support system is crucial for linking financial services with agricultural innovation, ensuring that various stakeholders collaborate effectively [9]. Group 3: Digital Financial Services - The development of digital financial services is being prioritized to enhance efficiency and effectiveness in agricultural financing, with a focus on utilizing big data and cloud computing [8]. - Financial institutions are adopting innovative digital solutions to meet the specific and urgent funding needs of agricultural enterprises, exemplified by the "Yinong Quick Loan" [7]. - The improvement of financial data capabilities in the banking sector is seen as a strategic asset for driving innovation and expanding business boundaries [8]. Group 4: Long-term Investment and Ecosystem Building - There is a need for a long-term vision in creating a comprehensive ecosystem for agricultural technology innovation, moving beyond short-term financial support [10]. - The integration of supply chain finance and collaboration among government, financial institutions, enterprises, and research units is essential for fostering a sustainable agricultural ecosystem [9]. - Attracting social capital through government-guided funds and policy financial tools is crucial for building a diverse and healthy financial ecosystem in agricultural technology [10].