在北京市朝阳区的一间会议室里，北京易享信息技术有限公司总经理马鹏在和团队讨论产品界面设计问 题。自2014年成立以来，这家科创公司逐渐在市场竞争中站稳了脚跟。 这次合作，是金融活水滴灌小微企业的真实缩影，也是金融服务数字化的生动实践。截至2024年末，该 银行普惠小微贷款规模已达91亿元，增长45%。目前，该银行已为超1亿用户提供普惠金融服务，并不 断向产业金融纵深拓展。 "二手车行业是我们重点支持的领域之一。"中信百信银行首席市场官兼产业金融部总经理黄超举 例，"二手车生意经常需要在短时间内买进卖出，为了满足二手车商高周转的资金需求，贷款服务要及 时到位。" 去年，北京人人嘉诚汽车销售有限公司负责人王伟在扩店经营的过程中出现了资金缺口，急需一笔贷款 解困。经过多方比对，中信百信银行纯线上的贷款服务吸引了他。"以前总要花时间去银行网点办手 续，有时候还得跑好几趟。"王伟表示，"现在纯线上，感觉很方便，足不出户也能办成贷款。" "纯线上的服务，操作一定要简便。"黄超表示。目前，该银行线上应用的在线服务速度可达秒级，用户 同意授权后，后台系统可以根据用户的年龄、行业、地域等信息，为客户提供初步的贷款额度评估及定 ...

Group 1 - Jiangsu Changshu Rural Commercial Bank has opened new branches in Nanjing, Suqian, and Yangzhou, expanding its development footprint in Jiangsu province [1][2] - The opening of the Jiangning branch marks a strategic breakthrough for Changshu Bank, being its first establishment in the provincial capital of Nanjing, enhancing its regional layout [1] - The bank aims to provide inclusive financial services and support local economic development through specialized financial offerings, including inclusive finance, technology finance, digital finance, pension finance, and green finance [1] Group 2 - The Baoying branch in Yangzhou and the Sucheng branch in Suqian opened on June 30, 2023, reinforcing the bank's commitment to serving local economies and filling service gaps in these regions [2] - The Sucheng branch's rebranding focuses on understanding local customer needs and enhancing brand influence in the regional market [2] - Changshu Bank plans to strengthen its mission to support agriculture and small enterprises, optimizing its network in Nanjing, Yangzhou, and Suqian to drive sustainable development and contribute to Jiangsu's high-quality growth [2]

科技"普惠"并非一蹴而就的浪漫故事，而是由无数"小事"组成的系统工程。 封面来源 ｜ IC photo 在医疗AI的赛场上，又一家大厂开始全力冲刺。 6月26日，进入医疗领域11年后，蚂蚁集团正式发布独立AI健康应用"AQ"。 这是去年9月在支付宝内上线的"AI健康管家"的全新升级版；功能上，不只是问 诊咨询、健康科普 等 常规内容，甚至直接连接起了国内千余家医院、百万医生，以及鱼跃、华为等硬件设备厂商，形 成了覆盖院内院外全周期的健康管理 体系。 换句话说，以后再想找AI问问健康问题，办个异地医保报销，或询问下血糖、血压的控制建议，不必在各个不同的AI助手和APP之间反复"横跳"了，一个 AQ就搞定。 蚂蚁集团副总裁、医疗健康事业部负责人张俊杰表示："AQ将是蚂蚁向AI医疗健康方向发展的新入口。未来，蚂蚁还会联合更多医生、医院、医疗相关企 业，通过AQ为用户提供更普惠的医疗健康服务。" 值得注意的是，这并不是蚂蚁近期在医疗领域官宣的唯一动作。6月30日，蚂蚁集团发布年度ESG报告中，也首次将"普惠医疗健康"升级为集团五大业务板 块之一。 这些变化可能意味着什么？蚂蚁为何押注AQ应用，加速探索AI医疗？ "过 ...

2023年10月召开的中央金融工作会议首次明确提出金融"五篇大文章"，其中普惠金融赫然在列。而后， 党的二十届三中全会对金融"五篇大文章"作了再部署，国务院印发《关于推进普惠金融高质量发展的实 施意见》（以下简称《意见》），国务院办公厅印发《关于做好金融"五篇大文章"的指导意见》，任务 文/ 《清华金融评论》 白浩辰 6月2 6日，国家金融监督管理总局、中国人民银行联合发布了《银行业保 险业普惠金融高质量发展实施方案》。该方案是此前发布的《关于推进普 惠金融高质量发展的实施意见》《关于银行业保险业做好金融"五篇大文 章"的指导意见》基础上的又一政策指引，明确了普惠金融高质量发展的 实施路径，进一步加速了我国普惠金融进程。 6月26日，国家金融监督管理总局、中国人民银行联合发布了《银行业保险业普惠金融高质量发展实施 方案》（下称《实施方案》）。 从方向到路径，普惠金融蓝图再清晰 普惠金融与人民福祉息息相关。旨在通过扩展金融覆盖面，优化金融服务确保以小微企业、农民、城镇 低收入人群为重点的社会各阶层群体都能享受到便捷、可负担的金融服务。 自从2005年联合国首次提出普惠金融概念至今，已经过去了20个年头。我国始终 ...

Group 1 - The core viewpoint of the articles highlights the efforts of Industrial Bank's Urumqi branch in promoting financial knowledge and anti-fraud measures during the 2025 China-Eurasia Commodity Trade Expo, utilizing the event's international platform to reach a broader audience [1][2] - The Urumqi branch set up an anti-fraud promotional booth at the expo, engaging attendees through bilingual brochures and interactive games, successfully reaching over 400 individuals and more than 20 domestic and foreign enterprises [1] - The "Financial Knowledge Popularization Campaign" conducted by the Urumqi branch included 162 educational sessions, covering approximately 235,500 people and distributing over 20,000 informational materials [1] Group 2 - The Urumqi branch's representative stated that the expo provided an international stage for deepening the "Financial Knowledge Popularization Campaign," enhancing anti-fraud and payment service promotion [2] - The branch aims to continuously innovate educational methods and expand service depth to strengthen financial security in border areas and contribute to a harmonious financial ecosystem [2]

2013年末，小张奔向银行大厅，冷风吹得整个人都泛凉。 他听人说，放存款不如放理财，知道这是钱生钱的门道，攥着2000块积蓄慕名而来。但当时，理财还是富人的"专柜"，银行经理递来宣传单，明晃晃写 着"五万起购"，小张赶忙溜之大吉。 恰巧在这年，一元起投、灵活取用的余额宝出现了，6%的收益，甚至高于银行定期存款。一时间，"货币基金"这个已引入国内十年的理财产品，又掀起 讨论的热潮。小张也成了最早一批在互联网"上车"余额宝的年轻人。 12年过去，金融市场风云变幻，各大银行早已参照余额宝推出了"宝宝类"产品，债券基金、黄金ETF基金等多元化理财产品接连走进普通人的日常。毫无 疑问，这是"全民理财"迅速普及的12年。 其中，第一批用余额宝的人，或许也看到了更多风景。我们与4位使用余额宝12年的用户聊了聊，试图在滚滚向前的时代巨浪里，捕捉到他们的起伏与欢 呼。 2013年，说起理财，还是个小众话题。 这年，小张刚工作不久，月收入不过3000块。同事听完他被5万理财起购价挡下的经历，问他：你听说过余额宝吗？ 那时，大部分普通人的存款都趴在银行户头，吃着活期利息，就算有人听过理财，联想到的也是炒股、杠杆、指数等疏远的词汇， ...

2025年是"7.8全国保险公众宣传日"活动举办的第十三年。为开展好2025年"7.8全国保险公众宣传日"活动，在山东金融监管局的指导下，山东省保险行业协 会将组织会员单位开展系列活动，用爱和责任守护美好生活。 活动时间 2025年6月24日至7月8日 （二）开展以文体活动为载体的宣传活动。通过歌咏、朗诵、舞蹈、健步走等户内户外群众性文艺体育活动，将保险宣教以人民群众喜闻乐见的形式呈现， 强化参与者的认知与共鸣。 （三）开展营业网点宣传。充分利用保险营业网点多、分布广的优势，建设保险便民服务点、保险温暖驿站，通过门头LED屏、室内广告机、悬挂条幅、张 贴海报等方式，广泛宣传"责任行天下，诚信行天下，爱心行天下，让保险这项高尚的事业盛行天下。"山东口号，精心布置网点、职场，营造浓厚活动氛 围。 （四）开展自有媒体宣传。充分利用本单位微信公众号、抖音号、视频号、小红书等新型传播形态，运用直播、视频、音频、漫画、图文等灵活多样、喜闻 乐见的形式，建立协同化传播矩阵。 （五）开展主流新闻媒体宣传。积极沟通联系电视、广播、报纸、杂志、网络等各级各类主流新闻媒体，通过召开新闻发布会、发布新闻通稿、发表评论文 章、制作专题 ...

Core Viewpoint - The persistent challenges of "difficult and expensive financing" for small and micro enterprises are being addressed by Luzhou Bank through innovative financial solutions and policy implementation to enhance access to low-cost loans [1][2] Group 1: Financial Innovations and Policy Implementation - Luzhou Bank has adopted a business model that combines "central bank re-lending funds + credit products," resulting in the issuance of preferential loans with a minimum interest rate of 3.1% [1] - Since 2021, the bank has applied for approximately 21.5 billion yuan in re-lending and rediscounting funds, benefiting nearly 9,000 small and micro enterprises [1] - The bank has actively lowered loan interest rates during the third round of financial interaction policies, issuing over 12 billion yuan in subsidized loans, which helped around 4,800 small enterprises save nearly 20 million yuan in interest [2] Group 2: Cost Reduction and Service Enhancement - Luzhou Bank has implemented a zero-fee policy for account services and payment settlements, waiving 67 service fees, which can save individual enterprises thousands of yuan annually [2] - The cumulative effect of various policy tools has led to some small enterprises experiencing actual financing costs as low as around 2% [2] - The bank aims to continue focusing on the financing challenges faced by small and micro enterprises, ensuring that national policy benefits reach market entities effectively [2]

攒着，已经成为一些年轻人的生活态度。而伴随存款利率走低，更多的 " 老余额宝人 " ，正 从攒钱、存钱进阶到多元配置，将钱分散放在货币基金、债券基金、黄金 ETF 等理财产品， 把余额宝视作理财配置的 " 底仓 " 。 过去 12 年，余额宝每天为国人赚 1 亿零花钱 今年是余额宝上线第十二年。官方数据显示 ， 截至 2025 年 5 月 31 日，余额宝 12 年间 累计为用户赚取收益超 5004 亿元，相当于每天为国人赚 1 亿的零花钱。 【导读】余额宝陪伴一代人走过 12 年，不算惊艳，但很踏实 你还记得第一笔理财是什么吗？很多 80 后 90 后的 " 理财入门 " 是从余额宝开始的。 2013 年 6 月，余额宝横空出世，大多数人对背后 " 货币基金 " 还懵懵懂懂。那时银行活期 利率还是 0.35% ，理财产品 5 万起购。而余额宝以 1 元起投、随存随取、每天有收益的互 联网体验，迅速成为很多人的 " 理财第一课 " 。 如今， 12 年过去，余额宝仍在数亿人的手机里稳稳产生收益，也见证了一代人从 " 攒钱 " 到 " 配置 " 的成长。 余额宝官方数据显示， 12 年来累计为用户赚了 5004 ...

Core Insights - Ant Group has launched a new AI healthcare application called "AQ," which includes features like intelligent consultations, medication reminders, and hospital services, sparking discussions on how AI can serve the general public effectively [1] - The application of AI in healthcare is currently at a stage of "partial breakthroughs and overall initiation," with significant advancements in areas like medical equipment intelligence and hospital management services [2][3] - The true value of AI in healthcare lies in its ability to support inclusive healthcare, addressing issues of accessibility and affordability in rural and underserved areas [4][6] AI Applications and Breakthroughs - AI has made substantial progress in medical equipment intelligence, such as new low-radiation CT systems that reduce radiation exposure significantly, making them suitable for deployment in rural areas [2] - The integration of AI in diagnostic processes has shown high accuracy in identifying diseases like lung nodules and diabetic retinopathy, although these advancements are still in the exploratory phase [3] Challenges and Barriers - The advancement of AI in healthcare faces significant obstacles due to outdated institutional frameworks, data sharing issues, and a lack of cohesive public policy [7][8][9] - The current healthcare management structure is often closed, making it difficult for AI technologies to be adopted widely despite their potential benefits [7] Systemic Changes Needed - To achieve a truly inclusive AI healthcare system, systemic reforms are necessary, including redefining hospital roles, enhancing community healthcare capabilities, and fostering collaboration among research, industry, and healthcare sectors [10][11][12] - The establishment of a "national-level inclusive healthcare foundation" is essential, where AI becomes an integral part of everyday healthcare services, ensuring equitable access for all [12]