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， ...

Group 1 - The 2025 "7.8 National Insurance Publicity Day" marks its 13th year, organized by the Shandong Insurance Industry Association under the guidance of the Shandong Financial Regulatory Bureau, focusing on love and responsibility to safeguard a better life [2] - The event will take place from June 24 to July 8, 2025, with the theme "Love and Responsibility, Insurance Makes Life Better" [3] - The slogan for the Shandong insurance industry is "Responsibility Goes Everywhere, Integrity Goes Everywhere, Love Goes Everywhere, Let Insurance Flourish" [4] Group 2 - Various promotional activities will be conducted, including the "Five Entering Insurance" initiative, which involves financial knowledge lectures, interactive experience zones, public open days, and service teams to enhance public understanding and engagement [5] - Cultural and sports activities will be utilized as a medium for promotion, including singing, recitation, dance, and walking events to present insurance education in a popular format [5] - Insurance service points and warm stations will be established at business outlets, utilizing advertising methods such as LED screens and posters to create a strong promotional atmosphere [5] Group 3 - Self-media promotion will leverage platforms like WeChat, Douyin, and Xiaohongshu, using diverse formats such as live broadcasts, videos, and comics to create a collaborative communication matrix [6] - Mainstream media outreach will involve press conferences, news releases, and special programs to conduct comprehensive positive publicity for the industry [6] - Public service activities will focus on rural revitalization, health, elderly finance, and inclusive finance, providing insurance protection and services to underserved areas and populations [6] - Training for industry personnel will emphasize compliance in marketing practices and appropriate management to prevent misleading sales and ensure proper client targeting [6]

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]

时政要闻 《通知》明确，今年政府采购领域整治重点内容依旧聚焦"四类"违规违法行为。如采购人倾斜照顾本地 企业，指向特定供应商或特定产品，以供应商注册地、所有制形式、组织形式、股权结构、投资者国 别、经营年限、经营规模、财务指标等不合理条件对供应商实行差别歧视待遇；代理机构违规收费、逾 期退还保证金；供应商提供虚假的检测报告、认证证书、合同业绩、中小企业声明函等材料谋取中标； 供应商投标文件相互混装、异常一致，投标保证金从同一账户转出，委托同一单位或个人编制投标文 件、办理投标事宜等恶意串通行为。 金融监管总局等两部门：未来五年基本建成高质量综合普惠金融体系，强化民营企业信贷支持 近日，金融监管总局、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》），从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、组织保障等方面出发，提出六部分16条措施。 《实施方案》强调，实现普惠金融高质量发展，必须加强党中央集中统一领导，供给多层次、多样化的 普惠金融服务，持续提升覆盖面和可得性，推动降低综合成本，不断提升普惠金融服务人民群众生产生 活的能力和水平。 《实施 ...

Core Viewpoint - The establishment of a financing coordination mechanism for small and micro enterprises in Shanghai aims to alleviate their financing difficulties and enhance the accessibility and convenience of financial support [1][3]. Group 1: Financing Coordination Mechanism - The financing coordination mechanism was established in October last year, led by the Financial Regulatory Bureau and the National Development and Reform Commission, focusing on building a bridge for precise connections between banks and enterprises [1][3]. - The mechanism has resulted in a significant increase in the loan balance for inclusive small and micro enterprises, which exceeded 34 trillion yuan nationally, with Shanghai's inclusive small and micro enterprise loan balance reaching 1.33 trillion yuan by March 2025, a year-on-year increase of 11.32% [3][4]. Group 2: Implementation and Impact - The work team has conducted extensive visits to enterprises, with 170,000 enterprises visited and 406.2 billion yuan in credit granted to 70,000 enterprises by May 2025 [3]. - The mechanism not only addresses financing challenges but also provides comprehensive value-added services to support enterprise development, enhancing their operational capabilities [4]. Group 3: Multi-Dimensional Empowerment - The work team collaborates with various stakeholders to offer tailored financial services, such as integrated foreign and domestic currency services, to help enterprises manage risks associated with currency fluctuations [4]. - The initiative emphasizes the importance of creating an ecosystem that facilitates face-to-face interactions between small and micro enterprises and representatives from government and financial institutions, thereby injecting new momentum into enterprise development [4][5].

Group 1: Core Insights - The Industrial and Commercial Bank of China (ICBC) Guangxi Branch is actively promoting inclusive finance, focusing on four key areas: industry, agriculture, commerce, and technology [1][2] - As of March 2025, the inclusive loan balance of ICBC Guangxi Branch reached nearly 50 billion yuan, with an average annual growth rate of 48% over the past three years [1] - The "Cluster Merchant e-loan" product has been launched to address the financing needs of small and micro enterprises, with a loan balance exceeding 2.5 billion yuan within a year [1][3] Group 2: Support for Small and Micro Enterprises - ICBC Guangxi Branch signed a 10 billion yuan credit intention agreement with the Guangxi Individual Laborers and Private Enterprises Association to support individual businesses [2] - The bank is implementing various initiatives to enhance financial support for small and micro enterprises, including the "Three-in-One" service package for merchants [2] Group 3: Regional Economic Development - The Yulin City, known as the "Southern Country Fragrance Capital," is the largest spice raw material production and distribution center in China, with an annual trading volume exceeding 30 billion yuan [3] - ICBC Yulin Branch has provided over 200 million yuan in "Cluster Merchant e-loans" to 137 spice merchants, addressing their financing challenges [3] Group 4: Specific Industry Support - In the Hechi City Yizhou District, the local silk industry faces significant cash flow challenges, with collection stations needing to pay farmers up to 700,000 yuan daily [5] - ICBC Guangxi Branch has introduced a tailored "Silk Purchase Cluster Merchant e-loan" to support the financing needs of silk collection stations, providing 130 million yuan to 35 stations as of March 2025 [5][6]

转自：新华财经 在"苍洱毓秀"的千年古城大理，中国工商银行大理分行（以下简称"大理分行"）以"金融报国"之志深耕 厚植，以"文明创建"之笔镌刻时代华章。近期，该行获评第七届全国文明单位，用四十载如歌岁月谱写 出"服务实体有力度、普惠民生有温度、文化传承有深度"的文明交响。 铸魂强基固根本 赓续文明启新程 大理分行将文明创建工作作为"铸魂工程"，坚持把培育和践行社会主义核心价值观融入日常经营，营造 崇德向善、争先创优的良好氛围。大理分行曾荣获全国金融五一劳动奖状、全国金融模范职工之家荣誉 称号。 编辑：赵鼎 打造科技金融新引擎，建立专项机制与绿色通道，战略性新兴产业贷款增幅，重点支持云南贝特瑞等重 点项目。精耕绿色金融试验田，紧密围绕大理州"十四五"发展规划，聚焦省级重大项目、省政府挂钩项 目以及专精特新、科创企业、园区入园企业等重点领域，构筑信贷增长"蓄水池"；长期支持洱海保护， 2009年至今累计投入14.74亿元。开创普惠金融新格局，制定下发个贷、普惠贷款下沉方案，做大"云旅 民宿贷"、"种植e贷"特色场景，普惠贷款增幅同业第一。通过区域特色产品"人才贷"，为大理扎染、木 雕、银饰等民族特色企业提供贷款支 ...

证券研究报告 固收定期报告 hyzqdatemark 2025 年 07 月 01 日 经济的边际变化或在于消费 ——利率周报（2025.6.23-2025.6.29） 投资要点： 本周（6/23-6/29）市场概览： 证券分析师 廖志明 SAC：S1350524100002 liaozhiming@huayuanstock.com 请务必仔细阅读正文之后的评级说明和重要声明 联系人 宏观要闻：6 月 24 日央行等六部门联合发布《关于金融支持提振和扩大消费的指导 意见》。6 月 23 日央行政策委员会召开了 2025 年第二季度例会，会议认为世界经 济增长动能趋缓，对国内经济表述更加乐观，近期实施降准降息的概率可能不大。 目前以色列和伊朗宣布正式停火，国内国际油价大幅走低。 中观高频数据：经济修复呈现"消费韧性与工业分化并存、地产链弱势未改"的格 局。消费市场政策刺激成效显著：截至 6 月 22 日当周乘用车厂家日均零售同比 +30.0%，截至 6 月 13 日当周三大家电零售量/额同比分别+24.6%/+13.5%。交运物 流方面供应链韧性凸显：截至 6 月 22 日当周铁路货运量同比+2.4%，当周高速 ...