寒冬腊月，科尔沁草原银装素裹。作为全国肉牛产业重要基地的内蒙古自治区通辽市，迎来了一年中最 繁忙时节。 走进通辽市某肉制品加工企业的生产车间，机器轰鸣、人影忙碌，新鲜牛肉在自动化生产线上被迅速分 割、包装，一箱箱贴有"通辽牛肉"标识的产品即将被发往全国各地。"每年春节前都是肉牛屠宰加工旺 季，今年市场需求更旺，订单量比平时多了两成。我想着扩大屠宰规模，保障春节市场供应，但又担心 资金周转不过来。没想到内蒙古农商银行这么快就发放了贷款，真是雪中送炭，现在备货生产心里特有 底。"企业负责人说。 据了解，中国人民银行通辽市分行在走访调研中得知企业扩产遇到资金难题后，立刻联动内蒙古农商银 行通辽中心支行与企业对接，开通金融服务绿色通道，简化审批流程，快速为其发放200万元贷款，助 力企业储备优质肉牛。资金到位后，企业不仅提升了生产效率，还与周边几十户养殖户签订了肉牛收购 协议，既保障了春节市场牛肉供应，又带动了当地养殖户增收。 李大爷的喜悦并非孤例。为让当地农牧民共享产业发展红利，中国人民银行通辽市分行以"农畜贷"为核 心抓手，引导金融机构深化普惠金融服务，通过物联网监管、活畜确权等技术拓宽涉农贷款投放渠道， 破解养 ...

Core Insights - The "Pearl River Financial Summit 2026" was held, focusing on the theme of "Deepening the 'Five Major Articles' to Paint a New Picture for the Bay Area," attracting over 200 guests from regulatory bodies, academia, and financial institutions to explore new financial opportunities in the first year of the 14th Five-Year Plan [1][8] Group 1: Awards and Recognition - Ping An Rongyi, a micro-financing service under Lufax Holding, won the "2025 Outstanding Contribution Team Award for High-Quality Development" for its support and innovative models for small and micro enterprises in the Greater Bay Area [3] - The award signifies recognition of its achievements in inclusive finance and the expectation to continue empowering the real economy during the new journey of the 14th Five-Year Plan [3][9] Group 2: Financial Strategies and Innovations - Inclusive finance is highlighted as a crucial link between financial resources and the real economy, playing an irreplaceable role in stabilizing employment and promoting livelihoods [4] - Ping An Rongyi has been deeply engaged in inclusive finance since 2005, focusing on addressing the financing challenges faced by small and micro enterprises in the Bay Area, which are often hindered by difficulties in obtaining financing [5] Group 3: Service Model and Technology Integration - The company has developed a Bay Area-specific service model that emphasizes speed, precision, and a human touch, utilizing AI for rapid loan approvals and remote consultations [6][7] - The "Prism" project aims to provide customized financial solutions based on in-depth research of local industries, enhancing the accessibility and efficiency of financial services for small enterprises [11][12] Group 4: Future Outlook - Experts at the summit believe that during the 14th Five-Year Plan, the Greater Bay Area will accelerate its development towards becoming a world-class bay area, with a shift from quantitative expansion to qualitative improvement in the financial sector [8] - Ping An Rongyi plans to deepen its digital finance applications and enhance its service coverage while focusing on technology finance, inclusive finance, and green finance through the "Prism" project [10][11]

积极探索可用于担保的抵（质）押品范围，进一步提升贷款可得性，实际上对金融机构提出了两方面要 求和考验，一是风险识别，二是完善抵押物处置机制。 以往，"小农经济"生产方式下的农业生产周期较短，但在农业产业化发展的趋势下，农业生产投入周期 和见效周期拉长，需要银行机构改变短期化、固定化的产品设计，匹配农业产业化规模大、周期长的资 金需求，提供定制化金融服务。 因此，仅靠传统抵押方式将不再有效满足需求，而供应链金融将有更大的发展空间，农业设施和畜禽活 体抵押则为适应这一趋势提供了路径，有望破解制约农业产业规模扩大的资金瓶颈。 数字技术的运用，则为普惠金融创新提供了适时而必要的技术支持。物联网、电子围栏、生物识别、区 块链等智能化技术，成为银行机构抵押资产管理的重要手段。更为重要的是，数字技术驱动使得农业设 施和畜禽活体抵押大规模推广有了可行性，能够真正实现在押资产作价评估、风险评估模型创新和押品 实时监测。 2月3日，《中共中央 国务院关于锚定农业农村现代化 扎实推进乡村全面振兴的意见》（以下简称《意 见》）提出，努力把农业建成现代化大产业，推动金融机构加大对农业农村领域资金投放。 随着乡村全面振兴战略的推进，我国 ...

Group 1 - The "Financial Empowerment for High-Quality Development of Iconic Industrial Chains" initiative was launched in Jinan, focusing on 19 iconic industrial chains and selecting 14 banks as "financial chain leaders" to provide over 660 billion yuan in credit support [1] - By the end of 2025, the industrial loan balance in Shandong is projected to reach 3.19 trillion yuan, with a year-on-year growth of 11.4% [1] - The initiative aims to enhance financial resource integration into industrial development, particularly in key areas of the industrial chain, through various activities such as "one chain per month" and "integrating finance with chains" [1] Group 2 - Agricultural Bank of Shandong has launched the "Agricultural Machinery Loan" financial scheme for the specialized equipment industry chain, while China Everbright Bank has expanded financing targets to automotive parts to meet the financing needs of small and micro enterprises in the automotive industry chain [2] - The China Bank of Shandong plans to cover over 400 enterprises in the artificial intelligence industry chain through financial salons and project roadshows this year [2] - Financial institutions are introducing specialized financial products like computing power loans and low-carbon transformation loans, while also embedding resources deeper into industrial chain research, investment attraction, and chain extension [2] Group 3 - Shandong's industrial chain dominance is solidified, with 19 iconic industrial chains accounting for over 90% of the province's industrial enterprises and revenue [3] - By 2025, the province's industrial added value is expected to grow by 7.6%, surpassing the national growth rate by 1.7 percentage points [3] - The province's manufacturing loans increased by 187.5 billion yuan, with long-term loans exceeding 1 trillion yuan, reflecting a year-on-year growth of 10.6% [3]

近日，广东金融监管局联合人民银行广东省分行、广东省委金融办、广东省发展改革委、广东证监局、 深圳金融监管局、人民银行深圳市分行、深圳证监局共8部门印发《广东省推动普惠金融高质量发展工 作方案》(下称《方案》)，围绕普惠金融数智化服务场景、重点领域产品服务、多层次组织体系等6方 面明确17项任务。 南都湾财社记者了解到，《方案》紧扣广东省"十五五"规划，首提多项举措，包括金融支持广东"粤强 种芯""粤强农装""粤强智农"工程、港澳青年来粤创业、侨胞反哺侨乡等"湾区专属"金融服务；将跨境 数据验证服务扩展至珠三角区域；引入保险资金投资粤北生态发展区和广州、深圳康养社区，推广"保 险+养老社区"经验模式，支持候鸟式养老服务设施建设等。 围绕AI产业等开发特色化差异化金融产品 《方案》强化广东新兴产业集群的小微金融服务。近年来，广东省银行机构持续加强小微企业金融服 务，普惠型小微企业贷款突破4.89万亿，较"十四五"初期翻了两番。面对如此巨大的存量规模，《方 案》为银行机构小微金融服务再进一程指明了方向，要求围绕人工智能、低空经济、新能源等战略性新 兴产业，量子科技、生物制造、具身智能等未来产业，以及广东各类中小企业 ...

2月1日出版的《求是》杂志发表习近平总书记重要文章《走好中国特色金融发展之路，建设金融强 国》。习近平总书记指出："我国金融必须守好服务实体经济本分，推动高质量发展，决不能脱实向 虚。" 实体经济是金融的根基，金融是实体经济的血脉，服务实体经济是金融的天职。近年来，金融系统坚持 把金融服务实体经济作为根本宗旨，持续做好金融"五篇大文章"，我国在绿色金融、普惠金融、数字金 融等方面走在世界前列。本版约请金融业从业人员、企业负责人和相关专家，探讨如何走好中国特色金 融发展之路，以金融高质量发展更好服务实体经济。 ——编者 为实体经济提供高质量金融服务 金融必须守好服务实体经济本分，围绕国家重大战略和政策传导落实，企业的多样化多元化金融需求， 广大人民追求美好生活的需要，深化金融供给侧结构性改革，为实体经济提供高质量金融服务。 首先，要服务好国家重大战略落地和政策落实。金融具有资金资源配置功能，可以引导资金流向，推动 国家重大战略和政策更有效落实。近期，在财政政策上，有关部门增加、优化贷款贴息，实施民间投资 专项担保计划，在货币政策上，降低结构性货币政策工具利率。金融业要积极主动作为，实现财政政策 与货币政策的协同 ...

人民群众的需求在哪里，金融业就要将根扎在哪里。陕西延安的一条苹果产业链上，从种苗培育、果园 管护、仓储加工到市场流通、品牌推广，处处都有金融"滋养"：创新苗木贷、仓单质押贷等产品，配套 农业保险、期货避险工具……银行行长们走进果农家中问需求，到果园里谋划产品和服务创新，金融围 着产业需求转，成为老区群众致富的坚实支撑。 运用结构性货币政策工具降低实体融资成本、完善担保体系破解中小微企业融资难题、升级消费金融政 策激发内需增长活力……开年以来，金融政策不断"上新"，环环相扣，精准锚定供给侧与消费端双向发 力，既为经营主体纾困赋能、稳定就业岗位，又切实增强居民消费能力、拓宽增收渠道，让金融活水精 准滴灌民生领域。 习近平总书记强调，"坚持以人民为中心的价值取向""坚持把金融服务实体经济作为根本宗旨"。金融服 务实体经济，最终也是为了增进民生福祉。坚守金融为民，方能摒弃急功近利的短视思维，让金融创新 始终锚定服务实体经济的方向，行稳致远谋发展；深耕实体经济沃土，金融才能更好平衡功能性与盈利 性，恪守以义取利的准则，让金融发展持续孕育民生红利。 当前，金融行业更好践行服务实体经济的宗旨，也要从"为民"二字出发找题目、 ...

Group 1 - The core viewpoint of the article emphasizes the launch of financial empowerment initiatives for key industrial chains in Shandong Province, aiming to enhance high-quality development through tailored financial products and services [1][3][5] - Shandong has identified 19 key industrial chains that encompass over 90% of the province's industrial enterprises and contribute more than 90% of industrial revenue, with a projected industrial added value growth rate of 7.6% by 2025, exceeding the national average by 1.7 percentage points [1][5] - The province plans to strengthen overall research on industrial chains and customize financial solutions, integrating various financial resources such as funds, insurance, and venture capital to support different sectors and stages of industrial chain development [1][3] Group 2 - The Shandong Provincial Financial Committee aims to establish "financial chain leaders" for the identified industrial chains, providing innovative financial policies and tools to enhance efficiency and effectiveness in financial support [3] - Agricultural Bank of China Shandong Branch has achieved full coverage of financial services for the 19 key industrial chains, providing credit support to 79 chain leader enterprises with a total credit line of 238.8 billion yuan [3] - The province's industrial clusters include critical sectors such as new-generation information technology, high-end equipment, and modern pharmaceuticals, which require precise financial resources to support their autonomous control and capability enhancement [5]

（来源：沂蒙金融） 近日，经山东省人大常委会批准，《临沂市普惠金融服务乡村振兴促进条例》（以下简称《条例》）正 式发布，将于2026年3月1日起施行。作为全国首部专门聚焦普惠金融服务乡村振兴的地方性法规，《条 例》的出台，不仅标志着临沂在破解农村金融难题、深化普惠金融改革领域走在全国前列，更以法治框 架为乡村振兴注入持久动力，为全国普惠金融服务乡村振兴提供了可复制、可推广的制度范例。 作为农业大市，临沂长期以来面临金融服务农业农村发展的现实难题，贷款难、贷款贵、抵押难等问题 仍然存在。自2020年9月获批全国首个国家级普惠金融服务乡村振兴改革试验区以来，临沂在普惠金融 支持乡村振兴方面探索出一条创新路径，打造了具有示范意义的"临沂样本"。经过五年实践，金改试验 区累计推出全国首笔、全省首单金融产品49项，"美德积分"金融转化、生态资源价值实现等4个典型案 例在全国转发，31项创新做法在全省推广，形成了一批特色鲜明、行之有效的经验，让金融活水真切惠 及广大农户与乡村产业。 《条例》的制定，是临沂将多年改革实践成果制度化、法治化的重要里程碑，也是运用法治思维破 解"三农"融资难题的关键举措，为全面推进乡村振兴、加 ...

未来，兰陵支行将持续践行普惠金融理念，深化政银企协同合作，聚焦县域优势产业，不断优化服务模 式、创新金融产品，以更优质的金融支持，滋养实体经济发展沃土，为地方经济高质量发展贡献建行力 量。 建行临沂兰陵支行坚守普惠金融初心，深耕县域实体经济，以精准化金融服务为小微企业及涉农经营主 体纾困解难，为地方经济发展注入持续动力。 兰陵支行立足县域产业特色，主动开展"进企入户"走访调研，精准对接经营主体融资需求，依托特色普 惠金融产品矩阵与线上智能服务体系，简化审批流程、降低融资门槛，高效解决经营主体资金周转痛 点，让金融服务更具温度与效率。 ...