上半年，重庆银行以专班机制推进成渝地区双城经济圈建设，落实金融服务制造业发展，聚焦现代化产 业体系，持续强化客群拓展，全面提升营销效能，实现规模增长和结构优化齐头并进。 本报讯 8月22日晚间，重庆银行股份有限公司（以下简称"重庆银行"）公布2025年半年报，上半年该行 实现营业收入76.59亿元，同比增长7.00%；实现归属于该行股东的净利润31.90亿元，同比增长5.39%。 截至6月30日，该行资产总额为9833.65亿元，较上年末增加1267.23亿元，增幅14.79%；贷款总额 5006.70亿元，较上年末增加600.54亿元，增幅13.63%；存款总额5441.36亿元，较上年末增加700.19亿 元，增幅14.77%。 上半年，重庆银行紧抓重点产业投放，拓宽核心负债来源，资负结构持续优化。半年报显示，截至6月 30日，该行一般贷款占贷款及垫款本金总额比例达到95.71%，较上年末上升2.02个百分点；储蓄存款占 存款总额比例为53.23%，较上年末提升0.60个百分点。 此外，截至6月30日，该行核心一级资本充足率、一级资本充足率、资本充足率分别为8.80%、9.94%、 12.93%，主要指标 ...

杭州银行围绕做好金融"五篇大文章"，聚焦服务制造业、支持民营经济、深化普惠金融等重点领 域，持续优化金融供给，着力提升金融服务实体经济质效，在支持产业升级、破解融资难题、护航企业 出海等领域形成了一批可复制、可推广的实践案例。 拓宽权益抵质押 助力产业转型升级 绍兴XX新材料有限公司是一家集新材料研发与新型色纺生产于一体的大型纺织企业，正在谋求产 业转型升级。杭州银行绍兴分行在走访过程中了解到企业融资需求后，迅速成立专项服务小组，结合企 业拥有的排污权资产，创新设计了"以排污权抵押为主担保的供应链融资"综合方案。 通过人行征信中心动产融资统一登记公示系统办理"排污权抵押登记"与"保理/应收账款转让登 记"，企业顺利落地5000万元供应链融资。该公司转型升级后，将配套建设智能仓储物流系统及新材料 研究院，形成年产3万吨功能性新材料的生产能力，大幅提升市场竞争力与利润率。 同时，丽水分行积极响应小微企业融资协调机制，持续开展"千企万户大走访"活动，聚焦园区、圈 链客群，围绕地方优势产业和特色产业集群，摸排小微企业和个体工商户经营情况、融资需求，制定专 属金融服务方案，及时、精准对接符合条件的小微企业，统筹解决小微 ...

Core Viewpoint - The article highlights the efforts of the Ezhou Gedian Economic and Technological Development Zone in implementing an innovation-driven development strategy through targeted financing activities to support entrepreneurship and innovation [1][4]. Group 1: Event Overview - The "Inclusive Finance, Entrepreneurial 'Wisdom' to Connect Financing Channels Salon" was successfully held on August 23, organized by the Ezhou Gedian Economic and Technological Development Zone Management Committee [1]. - The event is part of the 2025 "Ge Chuang Hui" series, focusing on addressing entrepreneurial financing challenges through a combination of thematic sharing and face-to-face consultations [3]. Group 2: Financing Support - The salon featured expert discussions on various financing pathways, including debt and equity financing, and the support policies of inclusive finance, aimed at enhancing the financing capabilities and capital matching efficiency of enterprises [3]. - Liu Kaijie, General Manager of Jiangdu Taxation Group, shared insights on how to improve financing success rates through standardized financial and tax systems, leveraging ERP systems for data integration [3][4]. Group 3: Bank's Role - Gan Xianming, the head of the Agricultural Bank of China Gedian Economic Development Zone branch, emphasized the bank's role as a partner in enterprise growth, having provided financing services to 85 enterprises in the region [4]. - The bank's services include a focus on technology-based enterprises, with a coverage rate of 36.8% for regulated enterprises and 35.3% for national and provincial specialized and innovative enterprises [4]. Group 4: Future Initiatives - The Gedian Development Zone aims to create a continuous and effective innovation and entrepreneurship service model through regular activities, enhancing the regional business environment and supporting the implementation of Hubei's innovation-driven development strategy [6].

Core Viewpoint - Shandong Bank is committed to providing financial support for strategic emerging industries, future industries, and the upgrading of traditional industries in Shandong Province, aligning with the province's mission to take the lead in development [1] Group 1: Financial Support and Innovation - Shandong Bank is deepening financial reforms and innovating various financial service solutions to meet the financial needs of regional characteristic industries, focusing on new industries, models, and dynamics [2] - A polymer technology company in Weifang received a special loan of 10 million yuan within 72 hours to address raw material procurement shortages due to new projects and overseas orders, significantly reducing financing costs [2] - Weifang Bank has implemented a "Plastic Industry Cluster Inclusive Financial Plan," enhancing the loan approval rate for light asset enterprises by 40% through a "white list" system that incorporates patent technology and order quality into credit assessments [3] Group 2: Enhancing Core Competitiveness - Shandong Bank is optimizing its organizational structure to provide continuous financial support throughout the entire lifecycle of technology enterprises, addressing common issues such as identification and access [4] - A customized financing plan was developed for a project in Zaozhuang, resulting in a 120 million yuan loan approval that enabled the project to be completed in 2024, generating an output value of over 1.3 billion yuan [4] Group 3: Cross-Border Financing and Global Expansion - A leading global manufacturer of smart wireless headphones received nearly 200 million USD in financing services from Shandong Bank since 2025, facilitating the company's expansion in response to increasing overseas orders driven by rapid AI development [5] Group 4: Promoting Sustainable Development - Shandong Bank is supporting the construction of a modern smart agriculture demonstration base through innovative financing solutions, including a 200 million yuan loan for agricultural projects that overcome traditional collateral limitations [7] - The bank is committed to driving the innovative allocation of production factors through effective financial power, supporting Shandong's high-level technological self-reliance and development [7]

Core Viewpoint - The development history of Shenzhen as a Special Economic Zone over 45 years is a remarkable narrative of reform and innovation, with Ping An Bank playing a significant role as both a witness and a participant in this journey [3] Group 1: Technology Finance - Ping An Bank actively constructs a "customer + product + policy + ecosystem" operational system to provide comprehensive financial services for technology enterprises [4] - The bank has increased support for advanced manufacturing and technology innovation sectors, with a focus on specialized small and medium enterprises, enhancing customer cultivation and professional support [4] - As of mid-2025, the number of technology enterprise clients reached 29,270, a 6.7% increase from the previous year, and the loan balance for technology enterprises was 193.436 billion yuan, up 13.2% [4] Group 2: Green Finance - Ping An Bank elevates green finance to a strategic level, supporting Shenzhen's green transformation through innovative products and services [5] - The bank has established a diversified product system including green loans, green bonds, and carbon finance, providing comprehensive financial support for the green low-carbon circular economy [5][6] - As of mid-2025, the balance of green loans was 251.746 billion yuan, reflecting a 6.0% increase from the previous year [5] Group 3: Inclusive Finance - Ping An Bank has developed a digital inclusive finance model, enhancing financing efficiency and reducing costs for small and micro enterprises through online products [7] - The bank actively participates in community financial projects, supporting affordable housing and old community renovations to ensure equitable access to financial development [7] - As of mid-2025, the total amount of loans and advances issued by the bank reached 3.4 trillion yuan, a 1.0% increase, with new loans for inclusive small and micro enterprises amounting to 133.917 billion yuan, a 33.6% year-on-year growth [7] Group 4: Pension Finance - Ping An Bank is proactively planning for the aging population by offering a range of stable financial products tailored to retirement needs [9] - The bank collaborates with its insurance subsidiary to create solutions for home-based and community-based elderly care, enhancing the pension service rights system [9] - Over 2 million pension accounts have been opened, supporting diverse retirement needs for residents [9] Group 5: Digital Finance - Ping An Bank prioritizes digital transformation as a core driver of development, implementing a comprehensive digital operation strategy [10] - As of mid-2025, the number of registered users on the Ping An Pocket Bank APP reached 178 million, a 2.0% increase from the previous year [10] - The bank's technological advancements are not only enhancing its own operations but also empowering the financial industry in Shenzhen and the Greater Bay Area [10]

8月22日晚间，江苏银行发布2025年半年报。今年上半年，该行实现营收448.64亿元，同比增长 7.78%，实现归母净利润202.38亿元，同比增长8.05%。年化ROE为15.64%，年化ROA为0.96%。不 良贷款率0.84%，拨备覆盖率331.02%。在同业竞争加剧、经营压力延续的行业大背景下，江苏银行 以积极争做执行政策、遵从监管和市场表现"三好学生"的实干实绩，再次交出一份亮眼的半年度"成 绩单"。让我们透过这份半年报中的几组数字关键词，解读该行高质量发展道路上的坚实步伐和核心 密码。 营业收入448.64亿元 经营质态稳中有进 江 苏 银 行 半 年 报 显 示 ， 截 至 2 0 2 5 年 6 月 末 ， 该 行 资 产 总 额 4 . 7 9 万 亿 元 ， 较 上 年 末 增 长 2 1 . 1 6%；各项存款余额2 . 5 4万亿元，较上年末增长2 0 . 2 2%，各项贷款余额2 . 4 3万亿元， 较上年末增长1 5 . 9 8%。上半年实现营业收入4 4 8 . 6 4亿元，同比增长7 . 7 8%，实现归母净利 润 2 0 2 . 3 8 亿 元 ， 同 比 增 长 8 . ...

近日，中国人民银行山东省分行公布了2025年二季度小微企业信贷政策导向评估结果，济南工行再次获 评"优秀"，这是该行连续六个季度获此殊荣，也是可比同业中唯一一家连续六个季度稳居优秀档的金融 机构。作为深耕普惠金融领域的重要实践者，济南工行始终以政策为引领，持续加大普惠信贷供给，数 据显示，截至目前，该行已累计为1.7万户小微市场主体提供信贷服务，以实际行动助力实体经济稳健 发展。 图为济南工 行槐荫支行客户经理走访某汽车服务公司 创新产品 打造特色服务样板 济南工行聚焦小微客户多元需求，以产品创新激活普惠服务动能。加强与工信、发改等部门对接，针对 辖内龙头企业、产业园区、产业集群，依托供应链和特色场景更好满足产品需求。 优化机制，筑牢普惠服务根基 济南工行将普惠金融作为践行金融工作政治性、人民性的重要抓手，着力构建长效发展机制。 该行党委定期专题研究普惠金融发展情况，统一发展思路、压实各级责任，以高位推动保障服务质效。 通过保持KPI考核权重、用好总省行活动权益等举措，激发全员参与热情。同时推动业务下沉，下放审 批权限、组织网点客户经理岗前认证，确保普惠服务直达基层，让小微客户就近享受高效金融支持。 精准对接 ...

Group 1 - The core theme of the event is "Embracing AI Technology Transformation, Serving the Real Economy - Enhancing Financial Quality and Efficiency to Support High-Quality Economic Development" [3][10] - The event will feature the release of the "China Banking Industry Top 200 Ranking" and "Outstanding Cases of Innovation in the Banking Industry," providing insights into the latest industry trends and best practices [5] - The event aims to create a multi-dimensional communication platform for the banking industry, facilitating cross-sector collaboration and innovative synergy [4][9] Group 2 - The event will gather top experts from policy regulation, senior bankers, and scholars in banking research to deeply interpret and discuss pressing domestic and international topics in the banking sector [6] - There will be in-depth discussions on banking operational logic, focusing on five key areas: fintech, green finance, inclusive finance, pension finance, and digital finance, to derive practical methodologies for serving national strategic initiatives [7] - The event will include authoritative experts sharing insights on the application, challenges, and future landscape of artificial intelligence in core banking scenarios such as risk control, marketing, operations, and product innovation [8] Group 3 - The event is organized by Tsinghua University Wudaokou School of Finance and the editorial department of "Tsinghua Financial Review," with the aim of promoting high-quality development in the banking sector [10][18] - The agenda includes a keynote speech on banking operational logic and practical exploration, the release of the 2025 China Banking Industry Top 200 Ranking research report, and a high-level dialogue on banking management in the AI era [14]

" TSINGHUA Financial Review 清华金融购评论 多家银行下调存款利率 近日，浙江、贵州、吉林等地的多家村镇银行宣布将下调存款利率，降幅在 10 至 20 个基点不等。 如，2025 年 8 月 19 日，吉林龙潭华益村镇银行发布公告称，自 8 月 20 日起调整存款挂牌利率，调整范围包括活期存款、通知存款和定期存款。活期存 款年利率由 0.20% 调整为 0.15% ； 1 天通知存款年利率由 0.65% 调整至 0.55% ； 7 天通知存款年利率由 1.05% 调整至 0.95% ，下调幅度分别为 5BP 、 10BP 、 10BP 。 在个人储蓄定期存款方面，该行对整存整取三个月、六个月、一年、二年、三年、五年期存款利率进行下调。其中，三个月、六个月、一年、二年期年化 利率下调 10BP 至 1.15% 、 1.35% 、 1.6% 、 1.65% ，三年、五年期下调 20BP 至 1.75% 、 1.7% 。 同日，吉林省白山浑江恒泰村镇银行也发布公告称调整存款利率，将个人定期存款整存整取三个月、六个月、一年、二年、三年、五年的年利率由 1.25% 、 1.45% 、 1.70 ...

转自：新华财经 近日，中信银行南昌分行为江西省丰城市科技型中小企业江西某食品有限公司提供了一笔低息中长期贷 款支持，通过透明化、标准化服务，明示综合融资成本，减轻企业融资负担，以"真金白银"的让利举措 护航企业高质量发展。 "以往申请贷款时，除了利息，还要考虑评估费、手续费等隐性成本，现在中信银行不仅主动下调利 率，还承担了全部评估费用，综合成本一目了然！"江西某食品有限公司负责人说。 据悉，该企业因订单激增面临短期资金压力，中信银行南昌分行在调研中精准识别需求，为其量身定制 了457天的抵押贷款方案：一方面将贷款利率下调至低于LPR的市场优惠水平，另一方面全额承担评估 费用8724元，并通过《企业综合融资成本清单》明确列示各项费用，确保企业清晰掌握实际负担。 "江西某食品有限公司通过利率优惠和费用减免，预计节约融资成本超10%，缓解科技型中小企业'融资 贵'难题。"中信银行南昌分行相关负责人说，中信银行南昌分行聚焦解决中小企业融资中的"隐性成 本"痛点，通过"一降一免一透明"组合拳（降低利率、减免费用、明示成本），推动企业综合融资成本 持续下降。目前，中信银行南昌分行累计为省内400余家企业提供明示化贷款服 ...