经历一个月的报送征集，金鼎奖·金融助力消费优秀案例征集活动也将迎来尾声。距离活动结束倒计时 仅剩3天，欢迎各单位继续踊跃报送！ 一、征集范围与类别 征集对象：银行机构、保险机构、消费金融公司、支付机构等 征集类别： 1）消费场景创新类 2）支付便利化类 案例方向：App支付优化、跨境支付服务、数字人民币应用等 参考案例：A银行数字人民币"智能合约"支付系统、C险企实现车险理赔"秒级到账"支付服务 3）消费信贷创新类 案例方向：个人消费贷款产品（新市民安居贷/绿色家电贷）、保险金融融合产品、信用卡权益活动等 参考案例：E险企"新能源汽车贷保一体化"方案（车贷+保险+充电补贴） 4）政银企联动类 案例方向：联合政府、企业开展消费券发放、惠民促销活动等 参考案例：A机构联合总工会"百万补贴加油"、B机构助力老字号消费 案例方向：线上线下融合场景（如智慧菜场、商圈数字化）、信用卡分期场景（如家电、汽车分期）、 文旅消费生态圈等 参考案例：A机构打造"智慧菜场生态圈" 5）绿色消费促进类 案例方向：绿色金融支持低碳消费、循环经济项目等 参考案例：H银行"个人碳账户+绿色积分"双驱动体系 6）其他 案例方向：不在以上范围 ...

评级机构标普及穆迪5月27日分别发表报告，标普维持香港"AA+"的信贷评级和"稳定"的评级展望，而穆迪在 维持香港"Aa3"信贷评级的同时，将评级展望由"负面"调升为"稳定"。 校对： 刘星莹 百万用户都在看 利好来了！刚刚，"国家队"出手！ 午后！日本，重大突发！ 今夜，利好！刚刚，大涨！ 俄乌突发！刚刚，大规模袭击！特朗普"怒了" 刚刚，大涨！关税，突传大消息！ 刚刚，A股异动！一则消息，突然引爆！ 香港特区政府回应表示，最近多家评级机构一致给予香港"稳定"的评级展望，反映香港在全球经济和金融不确 定性增加之际，具备稳定前行的韧性。展望未来，香港有信心在应对外部挑战的同时，把握新形势下的发展机 遇。特区政府会继续致力用好香港在"一国两制"下的制度优势，巩固和提升香港作为国际金融、航运和贸易中 心的地位，同时大力推进国际创科中心的建设，推动经济与社会的高质量和可持续发展。 来源：@大湾区之声 责编：汪云鹏 违法和不良信息举报电话：0755-83514034 邮箱：bwb@stcn.com ...

Economic Overview - Jinan's economy shows a stable and improving trend in the first four months of the year, supported by precise policies and macroeconomic coordination [1] Industrial Production - The city's industrial output increased by 9.0% year-on-year, with significant growth in the computer, communication, and electronic equipment manufacturing sector at 103.0%, and automotive manufacturing at 39.5% [1] - Equipment manufacturing grew by 27.2%, outperforming the overall industrial growth by 18.2 percentage points [1] - High-tech manufacturing also performed well, with a 26.1% increase in output, contributing 4.9 percentage points to the overall industrial growth [1] Fixed Asset Investment - Fixed asset investment rose by 1.4% year-on-year, with the primary industry seeing a substantial increase of 210.6% and the secondary industry growing by 14.7% [2] - Industrial investment grew by 13.8%, contributing 2.3 percentage points to the overall investment growth [2] - High-tech industry investment increased by 13.8%, while real estate development investment declined by 2.0% [2] Service Sector Performance - The service sector's revenue reached 1111.8 billion yuan, growing by 6.3% year-on-year, with nine out of ten major industries reporting revenue growth [3] - The transportation, storage, and postal services sector generated 469.5 billion yuan, accounting for 42.2% of the service sector's total revenue, and grew by 6.4% [3] - The rental and business services sector also performed well, with a revenue increase of 14.2% [3] Retail Sales and Consumer Behavior - Retail sales in Jinan reached 654.2 billion yuan, a 3.0% increase year-on-year, with urban retail sales growing by 3.2% [4] - The sales of communication equipment surged by 71.2% due to the "trade-in" policy, while new energy vehicle sales increased by 21.9% [4] - Online retail sales grew significantly by 32.7%, reaching 172.4 billion yuan [4] Fiscal and Financial Overview - Public budget revenue was 452.5 billion yuan, a 1.5% increase, while tax revenue decreased by 1.3% [4] - Financial institutions reported a 4.9% increase in deposits and a 10.6% increase in loans by the end of April [4] Foreign Trade - Jinan's total import and export value reached 793.4 billion yuan, a 22.4% increase, with exports growing by 10.4% and imports by 49.6% [5] - General trade accounted for 92.3% of the total trade volume, growing by 23.3% [5] Price Trends - Consumer prices rose by 0.5% cumulatively, with a 0.6% increase in April, showing a mixed trend across eight categories of goods and services [5]

近年来，金融机构在消费领域持续发力，通过消费信贷、支付结算、场景金融、数字化服务等多元化手 段，为居民消费升级、中小微企业纾困、乡村振兴等提供了关键支撑。在取得显著成效的同时，金融机 构也正围绕区域发展均衡性、服务场景覆盖广度、风险防控机制健全性等关键环节持续优化。 有鉴于此，新浪财经特发起"金鼎奖·金融助力消费优秀案例评选"，旨在挖掘优秀实践案例，推广可复 制的金融助力消费模式，促进消费市场活力提升与经济高质量发展 一、征集范围与类别 征集对象：银行机构、保险机构、消费金融公司、支付机构等 征集类别： 1）消费场景创新类 案例方向：线上线下融合场景（如智慧菜场、商圈数字化）、信用卡分期场景（如家电、汽车分期）、 文旅消费生态圈等 参考案例：A机构打造"智慧菜场生态圈" 2）支付便利化类 案例方向：App支付优化、跨境支付服务、数字人民币应用等 参考案例：A银行数字人民币"智能合约"支付系统、C险企实现车险理赔"秒级到账"支付服务 3）消费信贷创新类 案例方向：个人消费贷款产品（新市民安居贷/绿色家电贷）、保险金融融合产品、信用卡权益活动等 参考案例：E险企"新能源汽车贷保一体化"方案（车贷+保险+充电补贴） ...

Summary of Qilu Bank Conference Call Company Overview - **Company**: Qilu Bank - **Industry**: Banking, specifically regional commercial banking in Shandong Province, China Key Points Expansion Strategy - Qilu Bank is actively expanding its branch network with a goal to cover all counties in Shandong Province, currently achieving approximately 30% county coverage with a target of 100% [2][3] - The bank's strategy focuses on enhancing asset scale and competitiveness in low-cost deposits through branch expansion, particularly in county markets [2][3] Economic Environment - The economic structure of Shandong is stable, with a diverse industrial base and strong agricultural foundations, leading to economic growth rates that exceed the national average [2][4] - Shandong's overall social financing and credit growth rates are higher than the national average, providing opportunities for Qilu Bank to capture market share [4] Credit Growth Expectations - Qilu Bank anticipates maintaining a credit growth rate of 12%-13% in 2025, which is significantly higher than the national average of 6.5%-7% [2][5] - The bank's focus on seizing market share is expected to drive double-digit growth in credit [5][7] Loan Composition and Quality - The bank has a high proportion of corporate loans, with government-related loans in broad infrastructure accounting for approximately 42% [2][6] - Qilu Bank has minimal exposure to real estate loans, with only 1% of its loans in this category, contributing to its strong asset quality [6][9][10] - The bank's non-performing loan (NPL) generation rate has been declining, currently at 0.63%, indicating improving asset quality [9][10] Profitability and Margin - Qilu Bank's net interest margin is relatively low due to a higher proportion of financial investments compared to loans, but it maintains strong profitability due to low credit costs [8][11] - The bank's profit growth is primarily driven by declining credit costs and improving asset quality, with profit growth rates between 15%-17% expected [11][12] Investment Outlook - Qilu Bank's investment logic is supported by its branch expansion, focus on county markets, and improving asset quality, which are expected to enhance its market share and profitability [12][14] - The bank's capital adequacy ratio is approximately 10.5%, indicating no immediate capital pressure, and it is recommended for continued investment due to its growth potential [14] Additional Insights - The bank's conservative pricing strategy and low deposit interest rates compared to peers provide a competitive advantage [8] - The bank's focus on small and micro enterprises aligns with the economic structure of Shandong, enhancing its market relevance [6][12] This summary encapsulates the key insights from the Qilu Bank conference call, highlighting its strategic initiatives, economic context, credit growth expectations, loan quality, profitability, and investment outlook.

滴答一秒钟，能旋转360度！位于西安高新区的西安中科立德红外科技有限公司里，新投产的"玄武"系 列反无人机光学雷达正在快速旋转着进行模拟测试。 "这款设备采用了多波段光学复合探测、全方位搜索、智能识别跟踪等技术，能够对无人机、飞鸟、风 筝、气球等空飘物进行自动搜索跟踪，识别精度可达90%以上。"公司董事长刘伟说。 光学技术也能应用于日常生活。"看，我们这款红外夜视摄像头能够在全黑环境下清晰成像，与AI算法 结合应用于车载辅助驾驶系统后，在夜间、雾天以及强光眩目等复杂路况下，能为驾驶员呈现明亮清晰 的路面情况。"刘伟介绍。 作为中国科学院西安光机所孵化的民营企业，今年是中科立德成立的第十年。"从初创期走到成长期， 这几年明显感觉到对资金的需求更加快、频、急。"公司财务总监张秦猛说。 去年底，中科立德就遇到了资金的"坎儿"——3000万元贷款马上要到期，但由于客户回款周期延长，企 业面临资金链断裂的风险。 "浦发、兴业等多家银行了解到我们的困境后都提供了无还本续贷服务，帮助公司缓解了资金周转困 难，避免不良信用记录的产生。"张秦猛说。原来，去年金融监管总局优化小微企业无还本续贷政策， 将续贷对象由原来的部分小微企 ...

据知情人士透露，资产管理和贷款机构 La Trobe Financial（由布鲁克菲尔德控股，正准备挂牌出售）正 计划通过一只以私人信贷为主的上市投资信托（Listed Investment Trust）进军公开市场。 多家证券公司已开始联系潜在投资者，推进该信托——La Trobe Private Credit Fund的首次公开募股 （IPO），拟筹资金额最高为 3亿澳元。 知情人士称，该基金目前正在征集第一轮基石投资者的承诺，截止时间为本周五下午，预计将在6月下 旬上市。 本次上市信托的推出，正值布鲁克菲尔德在澳洲私立医院运营商 Healthscope 项目上遭遇投资危机。 Healthscope 目前已由贷款方接管，以避免破产并寻找潜在买家。 消息人士称，La Trobe 此举也是其拓展公开市场产品布局的一部分，布鲁克菲尔德计划在6月下旬启动 正式出售流程，预计对 La Trobe 的估值可能在 25亿至30亿澳元以上（含债务）。出售过程中，也未排 除未来将 La Trobe 在澳交所独立上市的可能性。 La Trobe 成立于1952年，目前由首席执行官 Chris Andrews领导，管理资产规模 ...

据齐鲁银行股份有限公司（以下简称"齐鲁银行"，601665.SH）昨日披露的信息显示，华夏基金、华创证券2家机构于5月21日对该行进行了现场调研。 该日下午2点至3点半，齐鲁银行的公司银行部、风险管理部、计财部、董事会办公室相关人员，在总行大厦会议室接待了华夏基金的卢少强、何东良、周念 欣、肖惠黎，以及华创证券的张文清、贾靖、郝少桦、顾翎蓝等调研人员。 尽管在业界似乎略显"低调"，但齐鲁银行近年来业绩颇佳。2024年度，该行实现营业收入124.96亿元、同比增速4.55%，但归母净利润为49.86亿元、同比增 速高达17.77%，利润增速在42家A股上市行中高居第4位。而今年1季度，该行的利润增速仍然高达16.47%、在上市行中的排名又攀升至第2位。 只要是金子早晚都会"发光"、引人关注，齐鲁银行的这份"成绩单"还是逐渐引起了场中投资者的追捧。今年截至5月23日收盘，据鑫网通达信口径该行股价 收于6.55元/股、前复权涨幅已高达19.96%，远超银行板块（880471）的7.26%。 齐鲁银行业绩出众，年内股价表现"抢眼" 齐鲁银行原名济南市商业银行，该行成立于1996年，是全国首批、山东省首家设立并引进境外 ...

Core Viewpoint - QFIN's stock price increased by 2.49% to $43.57 per share, with a market capitalization of $5.859 billion as of May 23 [1] - For the fiscal year ending December 31, 2024, QFIN reported total revenue of 17.166 billion RMB, a year-on-year increase of 5.38%, and a net profit attributable to shareholders of 6.264 billion RMB, a year-on-year increase of 46.18% [1] Group 1: Company Overview - QFIN is a leading credit technology platform in China, focused on providing innovative credit services to financial institutions, consumers, and small and micro enterprises [2][3] - The company aims to enhance the accessibility and personalization of credit services through technology solutions, helping financial institutions identify and assess potential borrowers [2][3] Group 2: Target Audience - The company targets consumers who are underserved by traditional financial institutions, particularly those with short credit histories and high growth potential [3] - QFIN also focuses on small and micro enterprises that lack sufficient credit history or collateral, offering tailored loan products to meet their needs [4] Group 3: Service Offerings - QFIN provides two main types of services: credit-driven services and platform services, both designed to improve the lending process and borrower experience [4][5] - Credit-driven services involve matching potential borrowers with financial institutions, where QFIN assumes some credit risk [4][6] - Platform services include a range of technology solutions for different stages of the loan lifecycle, such as borrower acquisition and credit assessment, without assuming credit risk [5][6] Group 4: Technology Solutions - The company utilizes its "Intelligent Credit Engine" (ICE) to provide smart marketing services and assist financial institutions in initial credit screening [6][7] - QFIN also offers risk management SaaS services to help financial institutions improve their credit assessment processes [7]

Core Viewpoint - The European Central Bank (ECB) meeting minutes indicate that credit growth has accelerated slightly compared to previous expectations [1] Group 1: Credit Growth - Credit growth is showing a slight acceleration, which may impact economic conditions and monetary policy [1] - The ECB's assessment suggests that the financial environment is evolving, potentially leading to adjustments in interest rates or other monetary measures [1] Group 2: Economic Implications - The increase in credit growth could signal improved economic activity, influencing consumer spending and investment [1] - This development may also affect the ECB's future policy decisions, as they monitor the balance between inflation and economic growth [1]