Group 1 - The "Qihang·2025 Financial Summit" was held in Beijing, focusing on the theme of "New Starting Point, New Momentum, New Journey," gathering hundreds of guests from various sectors to discuss development paths for the "14th Five-Year Plan" [1] - The "Golden Wisdom Award" was announced, with China Minsheng Bank receiving the "Outstanding Credit Card Brand Value Award" for its continuous efforts in brand building and value innovation [1][6] Group 2 - The "Golden Wisdom Award" aims to establish benchmarks for high-quality development, guiding enterprises to focus on their core business, promote innovation, and fulfill social responsibilities, covering over 8,000 companies in A-shares, Hong Kong stocks, and Chinese concept stocks [6] - The award for "Outstanding Credit Card Brand Value" emphasizes comprehensive brand strength, including market recognition, product service innovation, industry influence, and social responsibility [6] Group 3 - China Minsheng Bank adheres to its mission of "serving the public and caring for people's livelihoods," integrating national strategies with public service to enhance brand value through five major initiatives [7] - The bank is focusing on technological innovation to upgrade services, incorporating low-carbon concepts into products, offering customized services for public welfare finance, optimizing services for the elderly, and enhancing digital financial services [7] - Through these innovative measures, the bank's credit card services have evolved from a single payment tool to a "finance + service" ecosystem, achieving a systematic leap in brand value [7] - Looking ahead, China Minsheng Bank will continue to implement its five major initiatives, further optimizing its consumer finance service system and enhancing the effectiveness of services for the real economy [7]

该行持续完善制度建设，优化管理服务流程。简化审批环节、压缩办理时限，实现"线上申请+线下调 查"高效联动。聚焦县域特色产业，为种植和养殖大户、农产品加工企业、石材经营商户等开通"绿色审 批通道"，实行优先受理、优先审批、优先放款，确保资金及时精准到位。建立全流程风险防控体系， 依托大数据构建客户画像，强化信用风险、操作风险管控；健全贷款用途跟踪机制，定期开展贷后检 查，确保普惠金融业务稳健运行。 本报讯（通讯员 王云婷）香河农商银行紧密结合县域经济实际，以党建为引领、以制度为保障、以服 务为核心，全方位提升普惠金融服务便利性与覆盖面，切实为乡村振兴与实体经济发展注入金融动能。 该行将党建工作与普惠金融深度融合，积极开展党建联建共建活动，通过开展主题党日、"金融服务进 万家"等活动，实现"以共建促党建、以党建促业务、以业务强党建"的良性循环。领导班子深入田间地 头、产业街区，对接县域发展规划与民生需求，精准锚定普惠金融发力点；党员干部带头担任金融服务 专员，入驻乡镇开展驻村服务，宣传普惠信贷政策、摸排资金需求，成为连接银行与客户的"暖心桥 梁"。 （来源：廊坊日报） 转自：廊坊日报 该行精心绘制城乡服务网格，以 ...

清晨6点，宁夏吴忠的蔬菜基地还笼在薄雾里，来自贵州紫云的刘建国就捏着一张在老家办理的银行 卡，匆匆走向田埂边亮着灯的服务车："同志，快帮我看看，这卡被锁住用不了了！"不到半小时，锁卡 问题便被解决。6年前，他的同乡王正华面对同样被锁住的家乡银行卡，却得返回老家解锁，因"往返路 费比卡里的钱还多"，解锁前只能拜托同乡汇款给家里。 从曾经只得苦苦等待的无奈，到如今田间地头立等可解的从容，这一转变曾是万千紫云籍务工人员的共 同期盼。作为国家乡村振兴重点帮扶县，紫云每年外出务工人员超10万人。这些具体而微小的难题，恰 是金融服务乡村振兴必须疏通的"神经末梢"。中国人民银行安顺市分行持续强化政策引导，将保障外出 农民工金融权益、健全农村支付服务体系作为金融服务乡村振兴的重要切口，系统推动辖内金融机构优 化账户服务、提升支付便利、落实减费让利。一场以"支付为民"为内核的金融服务优化行动自此在山海 之间启动。 破局：始于账户的"唤醒" 安心：来自工资的"直达" 按时足额拿到工资，是外出务工人员的心头大事。中国人民银行安顺市分行着力推动辖内金融机构与用 工企业深化合作，持续做好农民工异地银行账户开立补换卡、银行账户功能升降级 ...

指数数据直观印证了普惠金融的深化成效。融资效率与服务质量的同步提升，为中小微企业营造了更优 的金融环境。针对长期存在的融资难、融资贵、融资慢等痛点，银企互汇聚焦企业全生命周期融资需 求，打造一站式解决方案。通过创新互联网模式整合线上线下资源，联合数十家金融机构，智能解析企 业经营数据，动态适配多元化融资方案，有效打破信息壁垒，化解了传统融资模式下企业"反复奔波、 流程冗长"的困境。 银企互汇的服务优势，更深植于企小满科技的生态资源协同。依托企小满科技构建的涵盖法务合规、财 税管理、商业咨询等多元模块的一站式服务，银企互汇将单一的融资支持升级为覆盖多要素的全方位赋 能体系。通过大数据分析实现企业需求的精准识别与匹配，进一步提升了融资服务的专业性和效率。 近日，中国经济信息社与中国建设银行联合发布的第30期普惠金融-小微指数显示，2025年三季度小微 企业发展态势企稳向好。融资成本显著下降、资金供给持续扩容，金融服务可得性与质量同步提升，为 实体经济高质量发展注入强劲动力。在此背景下，企小满科技旗下金融服务品牌"银企互汇"积极响应政 策导向，精准对接企业需求，以创新的一站式融资服务破解行业痛点，依托生态协同优势， ...

Core Viewpoint - 2025 is a pivotal year for the reform and steady progress of China's financial industry, with HuLong Securities focusing on regional economic development and capital market transformation under new leadership [1] Group 1: Company Strategy - HuLong Securities aims to integrate its development with the high-quality growth of Gansu province, emphasizing a strategy of "deep cultivation in Gansu, based in Northwest, and looking nationwide" [2][4] - The company is committed to enhancing its corporate culture, which is seen as essential for navigating risks and building trust in the financial sector [2][3] - The firm plans to focus on five key areas of financial work: technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with national strategies [4] Group 2: Cultural and Operational Philosophy - The company emphasizes a culture of compliance, integrity, professionalism, and win-win cooperation, which is integrated into every business process and employee behavior [2][3] - HuLong Securities promotes a "soft and hard" combination of institutional and cultural development to create a strong organizational synergy [3] Group 3: Future Development and Challenges - The company is focused on differentiating its services in a competitive market, actively engaging in initiatives to attract strong enterprises to Gansu [5][6] - HuLong Securities recognizes the need to optimize its revenue structure, which is still heavily reliant on traditional brokerage services, and aims to advance its IPO processes [6] - Digital transformation is a strategic pillar, with initiatives like the "HuLong Smart Investment" system and blockchain applications aimed at enhancing service experiences [6] Group 4: Vision for the Future - The company envisions a future of high-quality development, reinforcing its financial culture while participating in national strategies like the Western Development initiative [6][7] - The leadership philosophy emphasizes that stability is not merely about maintaining the status quo but involves proactive and directional innovation [7]

Core Viewpoint - 2025 is a pivotal year for the reform and steady progress of China's financial industry, with HuLong Securities positioning itself as a key player in regional economic development and capital market transformation [1] Group 1: Company Strategy and Culture - HuLong Securities emphasizes a strategy of "deep cultivation in Gansu, based in the Northwest, and looking nationwide," integrating its development with the high-quality growth of Gansu [2][3] - The company maintains a clear ownership structure with 61.18% state-owned shares, reinforcing its identity as "the people's broker of Gansu" and its responsibility to serve the local economy [2] - The core values of "compliance, integrity, professionalism, and win-win" are deeply embedded in every business process and employee behavior, aiming to build a robust compliance defense [2] Group 2: Future Development and Financial Focus - The company plans to focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with national financial work conference directives [4][5] - HuLong Securities aims to enhance its role as a capital intermediary and bridge for investment, actively participating in regional economic initiatives and attracting businesses to Gansu [5][6] - The company is committed to optimizing its revenue structure, reducing reliance on traditional brokerage services, and advancing its IPO processes in line with the comprehensive registration system [6] Group 3: Digital Transformation and Innovation - Digital transformation is a strategic pillar for HuLong Securities, with initiatives like the "HuLong Smart Investment" system and blockchain applications aimed at enhancing service experiences [6] - The company seeks to balance innovative breakthroughs with practical implementations, ensuring that each innovation yields tangible benefits in local markets [6][7] - HuLong Securities is dedicated to high-quality development and aims to deepen its involvement in national strategies such as the Western Development initiative, exploring cross-border financial services [6][7]

（来源：宁夏金融工作） 在经济高质量发展的进程中，小微企业犹如实体经济肌体中的"毛细血管"，为产业发展注入源源不断的 活力。然而，融资难、融资慢问题长期制约着小微企业的成长壮大。近年来，中国人民银行石嘴山市分 行紧紧围绕金融"五篇大文章"，创新推行"三机制三清单+N"工作模式，以数字技术深度赋能普惠金 融，推动供应链金融创新发展，为区域经济韧性与活力提升提供了有力的金融支撑。 （来源：宁夏金融工作） 在经济高质量发展的进程中，小微企业犹如实体经济肌体中的"毛细血管"，为产业发展注入源源不断的 活力。然而，融资难、融资慢问题长期制约着小微企业的成长壮大。近年来，中国人民银行石嘴山市分 行紧紧围绕金融"五篇大文章"，创新推行"三机制三清单+N"工作模式，以数字技术深度赋能普惠金 融，推动供应链金融创新发展，为区域经济韧性与活力提升提供了有力的金融支撑。 为数字驱动夯实供应链金融基础，中国人民银行石嘴山市分行以"三机制三清单+N"模式为抓手，持续 完善普惠金融服务机制，聚焦小微企业融资痛点，积极引导金融机构探索供应链金融新模式。通过高频 次、多形式的银企对接、融资洽谈、政策宣讲等活动，推动金融资源精准滴灌。2023 ...

在"十四五"规划深入实施、共同富裕战略扎实推进的时代坐标下，做好普惠金融大文章已成为服务实体 经济、增进民生福祉的重要引擎。 推广大病保险，守护民生底线。公司连续四期中标珠海市大病保险项目，在政府及医保部门的指导下稳 健高效运营，实现了政府放心、群众满意、基金安全的目标。截至2024年年底，项目为超200万名珠海 基本医保参保人提供优质服务；九年来，累计为40余万人次赔付超5亿元；联网即时结算率超99%，让 患者就医时无需垫付高额费用，出院即可直接结算，极大减轻经济压力和心理负担，让大病不再成为家 庭的"不可承受之重"。 定制医疗补充，织密保障网络。2018年底，中国人寿寿险珠海分公司与珠海市政府合作，全国首创实施 由政府主导的附加补充医疗保险"大爱无疆"项目，在珠海率先构建了"基本医保+大病保险+附加补充医 保+医疗救助+慈善捐助"五重医疗保障体系。该项目费率低、覆盖广、待遇高，投保人数稳定增长， 2024年投保人数超110万人，投保率超40%。截至目前，项目累计投保590万人次，赔付超7亿元，受益 17万余人次，个人最高赔付金额超130万元。 "真的非常感谢医保和'大爱无疆'对我们的帮助，星星最近身体状态 ...

2025年以来，陕西农信泾阳联社紧紧围绕陕西省联社工作部署，以"为民办实事"为核心，聚焦普惠金 融、服务下沉、产业赋能，用一次次走访、一笔笔贷款、一项项服务，把党和政府的温暖送到千家万 户，真正做到了"老百姓的银行，身边的银行"。 服务特色产业 针对泾阳县特色的"四色产业"，泾阳联社没有简单套用现有产品，而是深入产业链各环节，了解经营主 体的真实需求和痛点，量身定制信贷方案。 比如，茯茶是泾阳的地理标志产品，但许多茶企规模小、缺乏抵押物。泾阳联社创新推出"金花茯茶 贷"，以库存茶叶、预期销售收入作为增信依据，缓解了茶企融资难题。2025年已为18家茶企提供贷款支 持超1200万元。 又如，针对当地奶畜养殖户资金周转期长的特点，泾阳联社推出期限灵活、还款方式多样的"泾牛贷"， 支持新建养殖场、引进优质奶牛、购买饲料等，已发放贷款超3000万元。 泾干镇种粮大户王大叔表示，去年想扩大种植规模，却苦于没有抵押物，贷款迟迟办不下来。客户经理 小陈在走访中了解到他的困境，第一时间推荐了"粮食丰收贷"，并引入省农担提供担保，3天内20万元资 金到账。"没想到没抵押也能贷到款，利率还这么低！"王大叔激动地说，"今年小麦丰收 ...

Core Insights - The "Qihang·2025 Financial Summit" held in Beijing highlighted the theme of "New Starting Point, New Momentum, New Journey," with participation from hundreds of experts across regulatory bodies, industry associations, financial institutions, and listed companies [1] - SuShang Bank was awarded the "Outstanding Small and Beautiful Regional Financial Contribution Award" for its significant contributions to regional financial services [1] Group 1: SuShang Bank's Achievements - As Jiangsu Province's first digital bank, SuShang Bank has effectively aligned its services with regional economic development needs, achieving substantial results in promoting inclusive finance [3] - The bank has restructured its risk control system using financial technology, increasing the proportion of credit loans to nearly 50%, and providing efficient service with online "instant approval" and offline processing within 24-48 hours [3] - Through the "Star Plan," SuShang Bank aims to provide 100 billion yuan in specialized credit funds over three years to support the growth of small and micro enterprises in key industrial chains, with private enterprises making up 99% of its loan clients [3] Group 2: Financial Product Innovations - SuShang Bank has integrated financial product innovation with local industry needs, launching products like the "Crab Scene Loan" to address farmers' funding requirements [4] - The bank has introduced customized financial solutions for the entire agricultural industry chain and has provided over 7 billion yuan in funding to tens of thousands of farmers [4] - The bank has developed exclusive products such as "Innovation Loans" and "Talent Loans" to support over 2,400 innovative enterprises, with a total credit limit exceeding 11 billion yuan [4] Group 3: Commitment to Green Finance - SuShang Bank has actively implemented the Yangtze River protection strategy by launching green financial products like "Yangtze Loans" and "Fisherman Loans," with green credit growth outpacing overall loan growth by 55.36 percentage points [4] - As of June 2025, the balance of green credit exceeded 170 million yuan, contributing to the construction of a beautiful Jiangsu [4] Group 4: Future Outlook - SuShang Bank plans to continue its mission of "making finance simpler through technology," leveraging its differentiated advantages as a digital bank [5] - The bank aims to enhance its inclusive financial service system and increase support for regional small and micro enterprises, technological innovation, green development, and rural revitalization [5] - The focus will be on providing precise and efficient digital financial services to bolster Jiangsu's real economy and contribute to the modernization of Jiangsu [5]