此次论坛上，与会嘉宾围绕当下普惠金融发展现状与行业形势展开深度探讨，两大核心命题成为业内关注焦点。一是大中小银行如何找准定位，确立差异 化竞争优势；二是如何逐步健全多层次、广覆盖、差异化、可持续的普惠金融机构体系。这两大命题，正是普惠金融迈入新十年后，亟待破解的难题。 高歌猛进 "普惠金融发展至今，从增量扩张转向转型提质已形成共识。当前行业正面临定价内卷、经济下行等多重挑战，如何避免同业同质化竞争、构建基于比较 优势的差异化能力，成为所有人必须直面的课题。"9月25日，在2025中国普惠金融国际论坛上，包容会秘书长储慧的开场发言，迅速引发全场共鸣。 作为金融"五篇大文章"之一，普惠金融的核心在于降低金融服务的成本和门槛，使更多人能够享受到金融服务。而我国银行业体系既有实力雄厚的国有银 行、股份制银行，也有专注服务当地小微、居民客群的城农商行、村镇银行等，不同类型银行在资本实力、网点数量、客户基础、业务结构上存在较大差 异。从自身禀赋出发，银行业该如何做好普惠金融大文章？ 作为业内公认的传统小微标杆银行，泰隆银行合作总部执行总监杨雄军分享了"金融+非金融"与网点变革的差异化实践。他提到，金融服务各家趋同，泰 隆 ...

Core Insights - Hengfeng Bank and Fujian Jinfu Cloud Credit Co., Ltd. have initiated a system integration ceremony to explore deeper collaboration in data fusion applications and financial innovation, aiming to create a new model of government-bank-enterprise cooperation and promote high-quality development of the real economy in Fujian [1][3] Group 1: System Integration and Product Offerings - After integrating with the "Jinfu Cloud" platform, Hengfeng Bank will have direct access to 20 credit products and services, enabling precise profiling of enterprises to meet the financing needs of small and micro businesses [3] - The bank plans to launch the "Operation Pass" product, which will utilize data from the "Jinfu Cloud" platform as a reference to effectively address information asymmetry between banks and enterprises, enhancing the timeliness and convenience of credit financing [3] Group 2: Data Resources and Impact - The "Jinfu Cloud" platform, a key achievement of the "Digital Fujian" initiative, has aggregated public data from 33 government departments and includes over 1 billion credit information records from 7.6 million enterprises in the province, demonstrating significant effectiveness in addressing financing challenges for private small and micro enterprises [3][4] Group 3: Focus on Inclusive Finance - Hengfeng Bank has prioritized the development of inclusive finance as a crucial approach to serving the real economy, leveraging technology to enhance its service system and launching digital inclusive loan products such as "Sci-Tech Loan," "Operation Pass," and "Smart Quick Loan" to meet diverse financing needs of small and micro enterprises [4] - Over the past five years, the average annual compound growth rate of inclusive small micro loans has exceeded 38%, with the number of clients increasing more than threefold [4]

随着居民财富管理需求升级，投资者从追求高收益转向风险收益平衡，更重视资产保值与合理增值，资 产配置多元化的需求日益强烈。世纪证券相关负责人表示，该公司坚持"以客户为中心"，根据客户需求 提供不同的金融解决方案；同时，根据市场变化提升专业能力水平，优化金融产品布局，满足广大居民 差异化的财富管理需求。 为此，世纪证券进一步深化各业务条线协同机制建设，整合内外部资源，建立合理合规的利益分配机 制，充分调动一线业务人员积极性，打通跨业务协作的"最后一步"，使专业资产配置服务更高效、精准 触达投资者。随着服务效能的不断提高，客户黏性逐渐增加，世纪证券帮助客户实现从追求高收益到财 富保值增值的转变，提升投资者的获得感。 资产管理业务是世纪证券的一大特色优势，已形成以固收、"固收+"为核心，以FOF（基金中的基 金）、权益为卫星的全产业链产品体系，满足各类型投资者多层次、多样化的资产配置需求。资产管理 部门输出的投研、产品创设和风险控制能力，也在协同财富管理条线优化产品销售策略，为机构客户提 供定制化方案。 破解长尾难题 大量长尾客户常常面临着金融资讯匮乏、投资渠道有限、交易工具短缺、服务覆盖不足等痛点，难以享 受到与高 ...

25日，记者获悉，中证协已向券商发送了《关于2025年证券公司做好金融"五篇大文章"专项评价结果的通 知》。 据悉，今年组织完成了107家参评券商（合并口径）评价数据的填报与复核，并通过数据报送系统向各券商一 对一反馈确认评价数据，将主要定量指标排名情况在业内进行了公示，目前已形成了评价结果。 根据评价工作安排，此次做好金融"五篇大文章"专项评价结果将纳入2025年证券公司分类评价，按照公司实际 得分折算加分（满分100分折算为1分）。为发挥专项评价的激励引导作用，保证评价工作的公平合理，折算 时，将去除基础分得分（即，仅有基础分的公司，分类评价中不予加分）。 下一步，中证协将根据评价试行情况及时总结实践经验，根据监管部门和会员单位的意见建议进一步研究优化 评价指标和工作机制，更好发挥专项评价的激励约束作用，引导证券公司更好发挥功能性，推动证券行业高质 量发展。 今年9月，中证协发布了《证券公司做好金融"五篇大文章"专项评价办法（试行）》。 附加项主要反映证券公司发挥功能作用、积极落实年度相关重点政策、创新示范等情况。 责编：杨喻程 排版：汪云鹏 校 对： 杨舒欣 百万用户都在看 大爆发！两大利好来袭！ 评价 ...

Core Insights - The article highlights the challenges faced by small and micro enterprises in accessing initial loans and financing, and how Yizheng Rural Commercial Bank has leveraged a national credit information sharing platform to enhance the precision and accessibility of credit services for these businesses [1] Group 1: Financial Solutions for SMEs - Yizheng Rural Commercial Bank has integrated multi-dimensional cash flow data through a national platform, significantly improving credit service accuracy and availability for small and micro enterprises [1] - An example is provided of an electronic company in Yangzhou that faced funding pressure due to rising raw material costs and lack of collateral, which was addressed by the bank's proactive approach in utilizing the cash flow credit information platform [1] Group 2: Data-Driven Decision Making - The platform consolidates various data sources such as water, electricity, social security, and tax information to create a comprehensive operational profile of enterprises, aiding the bank in assessing business conditions accurately [1] - By analyzing cash flow and accounts receivable data, the bank was able to respond quickly to financing needs, ensuring timely support for the company's procurement and production [1] Group 3: Future Directions - Yizheng Rural Commercial Bank plans to continue focusing on customer-centric services, enhancing the "big data + foot patrol + grid-based" service mechanism, and promoting the application of the platform to provide targeted financial support to small and micro enterprises [1] - The bank aims to contribute to high-quality regional economic development through initiatives in technology finance, green finance, inclusive finance, pension finance, and digital finance [1]

Core Viewpoint - Ping An Bank's Qingdao branch is actively responding to national policies by focusing on financial innovation and service upgrades, achieving significant results in key areas such as technology finance and inclusive finance, thereby supporting the transformation and high-quality development of the regional economy [1] Group 1: Technology Finance - The bank has established a multi-level service system to empower the development of technology enterprises, with a technology loan balance of 1.013 billion yuan as of June 2025, an increase of 240% year-on-year [2] - The bank has launched the "Venture Capital Loan" to serve technology enterprises backed by private equity and state-owned investment institutions, creating a "4+1" product system that covers various financing needs [2] - The bank has actively promoted the construction of specialized branches for technology finance, with three branches certified as technology specialty teams by the head office [2] Group 2: Inclusive Finance - As of June 2025, the loan balance for small and micro enterprises in the Qingdao area reached 12.13 billion yuan, with inclusive small micro loans totaling 10.443 billion yuan, serving 18,700 customers [3] - The bank has implemented a long-term mechanism to optimize resource allocation and enhance service efficiency, including the establishment of a special review team for inclusive finance [3] - The bank has set up a first-loan credit loan service center to increase credit loan issuance, financing 1.67 billion yuan for 101 suppliers in the first half of 2025 [3] Group 3: Rural Revitalization - The bank has actively provided agricultural loans, with a balance of 1.952 billion yuan as of June 2025, supporting grain production and rural infrastructure [4] - Through collaboration with national agricultural leading enterprises, the bank's "Good Chain Financing" business has provided 200 million yuan in financing to 39 agricultural small and micro enterprises [4] - The bank plans to continue deepening its financial practices to provide more precise and efficient financial services for technology enterprises, small micro enterprises, and agricultural entities [4]

编者按： 时代之笔擘画新章，金融活水润泽实体。在金融"五篇大文章"铺就的壮阔画卷中，证券业正以创新之墨 挥毫作答。这是服务国家战略的使命担当，更是深化金融供给侧改革的生动实践。证券业以"国之大 者"为经，以"民之关切"做纬，让金融血脉与实体经济同频共振，奏响中国式现代化的资本强音。证券 时报联合中国证券业协会，推出"做好'五篇大文章' 证券业作答进行时"系列专栏， 本篇为系列报道之 三十九，敬请垂注。 近几年，普惠金融作为金融"五篇大文章"之一被反复强调，体现了我国金融工作以人民为中心的价值取向。 "普惠金融对于缩小城乡、区域、群体间的金融资源差距具有重要作用。"世纪证券党委书记、董事长李剑峰接 受证券时报记者专访时表示，依托深圳前海作为"特区中的特区"政策和区位优势，世纪证券正通过科技赋能、 产品创新与业务协同，探索普惠金融实践路径，推动财富管理从"交易驱动"转向"价值创造"，为行业提供差异 化发展样本。 强化一体协同 随着居民财富管理需求升级，投资者从追求高收益转向风险收益平衡，更重视资产保值与合理增值，资产配置 多元化的需求日益强烈。世纪证券相关负责人表示，该公司坚持"以客户为中心"，根据客户需求提供不 ...

Core Viewpoint - Ping An Bank's Qingdao Branch is actively responding to national policies by focusing on financial innovation and service upgrades, significantly supporting local economic transformation and high-quality development through targeted financial services for small and micro enterprises, technology companies, and agricultural entities [2][5]. Group 1: Technology Finance - The bank has established a multi-level service system in the technology finance sector, with a technology loan balance reaching 1.013 billion yuan by June 2025, an increase of 240% year-on-year [2][3]. - The introduction of the "Chuangtou Loan" aims to serve PE and state-owned investment institutions' technology enterprises, creating a comprehensive product system that covers various financing needs [3]. - The bank has launched the "Science and Technology Loan" model, which utilizes big data risk control, allowing credit loans for small and micro technology enterprises up to 10 million yuan [3]. Group 2: Inclusive Finance - By June 2025, the loan balance for small and micro enterprises in Qingdao reached 12.13 billion yuan, with inclusive small micro loans totaling 10.443 billion yuan, serving 18,700 clients [4]. - The bank has implemented a long-term mechanism to optimize resource allocation and enhance service efficiency, including a special review team for inclusive finance [4]. - The establishment of a first-loan credit loan service center has increased credit loan issuance, with 1.67 billion yuan financed for 101 suppliers in the first half of 2025 [4]. Group 3: Agricultural Finance - The bank has actively provided agricultural loans, with a balance of 1.952 billion yuan by June 2025, supporting grain production and rural infrastructure [5]. - Collaborations with national agricultural leading enterprises have facilitated financing of 200 million yuan for 39 agricultural small and micro enterprises [5]. - The bank is committed to reducing financing burdens through interest rate discounts on agricultural loans [5].

近几年，普惠金融作为金融"五篇大文章"之一被反复强调，体现了我国金融工作以人民为中心的价值取 向。 "普惠金融对于缩小城乡、区域、群体间的金融资源差距具有重要作用。"世纪证券党委书记、董事长李 剑峰接受证券时报记者专访时表示，依托深圳前海作为"特区中的特区"政策和区位优势，世纪证券正通 过科技赋能、产品创新与业务协同，探索普惠金融实践路径，推动财富管理从"交易驱动"转向"价值创 造"，为行业提供差异化发展样本。 强化一体协同 随着居民财富管理需求升级，投资者从追求高收益转向风险收益平衡，更重视资产保值与合理增值，资 产配置多元化的需求日益强烈。世纪证券相关负责人表示，该公司坚持"以客户为中心"，根据客户需求 提供不同的金融解决方案；同时，根据市场变化提升专业能力水平，优化金融产品布局，满足广大居民 差异化的财富管理需求。 为此，世纪证券进一步深化各业务条线协同机制建设，整合内外部资源，建立合理合规的利益分配机 制，充分调动一线业务人员积极性，打通跨业务协作的"最后一步"，使专业资产配置服务更高效、精准 触达投资者。随着服务效能的不断提高，客户黏性逐渐增加，世纪证券帮助客户实现从追求高收益到财 富保值增值的转变 ...

易纲表示，在中国，给普通老百姓日常生活（如存、贷、汇、移动支付等）的金融服务，以及支持三 农、小微企业和个体工商户，是普惠金融的重点领域。 商业可持续是普惠金融必要前提 易纲表示，普惠金融本质上也是金融，根本上还是要发挥好市场配置资源的基础性和决定性作用，必须 充分发挥金融机构作为市场主体的作用。 "财政和央行的资源总是有限的，社会人士对于普惠金融的捐赠非常重要，但规模也是有限的，只有坚 持普惠金融的商业可持续性，才能最大限度地动员金融机构和社会资本服务于普惠金融，支持三农和小 微企业。"他表示。 易纲指出，只有坚持商业可持续，才能有效理顺激励约束机制，金融机构才能持续向普惠客户提供有质 量和效率保证的金融服务；同时，商业可持续也是金融机构不断发展和开展业务创新的必要前提，从而 不断开发更好的金融产品和服务，更好满足普惠客户的金融服务需求。 "普惠金融是指立足机会平等要求和商业可持续原则，以可负担的成本为有金融服务需求的社会各阶层 和群体提供适当、有效的金融服务。"9月25日，中国金融学会理事会会长、中国人民银行原行长易纲 在"2025中国普惠金融国际论坛"演讲时指出。 普惠金融具有较强的社会效益，政府部门往 ...