这并非个例。截至目前，全国融资信用服务平台（安徽）面向全省291万家中小微企业，累计发放贷款2.3万亿 元，其中无抵押无担保信用贷款1.1万亿元。越来越多的中小微企业沐浴在金融支持的"阳光雨露"下，茁壮成长。 从"企业跑腿"到"数据跑路" 中徽祥瑞建设集团有限公司是一家专注机电设备安装等工程施工的企业，业务遍及全国多个大型建设项目，资金 需求旺盛。 "以前申请贷款，得多头跑、反复问，还要准备一堆材料，费时又费力。"企业负责人坦言，"现在平台将企业各类 数据整合在一起，线上一键提交申请，非常便利！" 借助该平台，银行能够更精准地评估企业资质，快速响应融资需求。"不仅放款快，授信额度也更贴合我们实际经 营需要。"企业负责人补充道，"银行还结合贴息政策，提供了更灵活的贷款方案，资金周转更加从容。" 订单暴涨30%，却因无抵押物陷入原料采购困境——当六安市丁集镇的婚纱商户解女士为"甜蜜的烦恼"发愁时， 一笔"从天而降"的贷款解了她的燃眉之急。 转机来自全国融资信用服务平台（安徽）。工商银行六安开发区支行依托平台政务数据共享，实时捕捉到了企业 的紧急需求，帮助企业仅用3分钟就完成了15万元纯信用贷款审批放款全流程。 徽 ...

Core Viewpoint - Huishang Bank demonstrates strong performance in supporting local economic development while achieving steady growth in scale and optimizing its business structure [1][2]. Group 1: Financial Performance - As of June 2025, Huishang Bank's total assets exceeded 2.25 trillion yuan, an increase of 11.82% from the end of the previous year [1]. - Total deposits reached 1.252 trillion yuan, growing by 9.92% year-on-year [1]. - Total loans amounted to 1.100 trillion yuan, reflecting a 9.82% increase compared to the previous year [1]. - The bank reported operating income of 21.157 billion yuan, up 2.25% year-on-year, and net profit of 9.328 billion yuan, a 3.81% increase from the same period last year [1]. Group 2: Business Structure Optimization - Huishang Bank has actively promoted business structure optimization, with significant performance in investment banking and transaction banking [2]. - The bank completed 98 debt financing tool issuances totaling 79.342 billion yuan, with an underwriting scale of 29.420 billion yuan [2]. - Supply chain finance in transaction banking increased by 64.53% year-on-year, and asset management scale surpassed 1.2 trillion yuan, growing by 7.4% [2]. Group 3: Financial Inclusion and Technological Innovation - The bank focuses on technology finance, green finance, and inclusive finance, with technology loans reaching 201.794 billion yuan, a 19.57% increase from the previous year [3]. - Inclusive loans for small and micro enterprises totaled 168.028 billion yuan, reflecting continuous growth [3]. - Green credit balance reached 144.468 billion yuan, increasing by 35.63% year-on-year [3]. Group 4: Asset Quality and Risk Management - Huishang Bank maintains a stable asset quality, with a non-performing loan ratio of 0.98%, down by 0.16 percentage points year-on-year [4]. - The non-performing loan provision coverage ratio improved to 289.94%, an increase of 17.43 percentage points from the previous year [4]. - The bank has enhanced its digital risk management capabilities through the integration of big data and artificial intelligence [4]. Group 5: Future Outlook - Huishang Bank aims to continue its high-quality development journey, focusing on digital transformation and deepening financial reform to better serve the real economy [5].

Group 1 - The core theme of the event is "New Era, New Fund, New Value," aimed at promoting high-quality development in the public fund industry in alignment with the China Securities Regulatory Commission's action plan [2] - The company recognizes the necessity of transitioning from a focus on scale to a focus on returns, enhancing its ability to serve the real economy and national strategies [2][9] Group 2 - The company is actively involved in five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to support high-quality economic development [1][9] - In technology finance, the investment research team focuses on hard technology sectors such as artificial intelligence and biotechnology, and has launched thematic funds on the Beijing Stock Exchange [3] - In green finance, the company has issued two public REITs in the renewable energy sector to support infrastructure development and provide long-term funding for green projects [4] - The inclusive finance strategy includes developing low-threshold, diversified public fund products to meet various investor needs, with company executives actively investing in their own products [5] - In pension finance, the company is involved in building the third pillar of pension systems and offers specialized investment solutions for retirement [6] - The digital finance initiative emphasizes increasing technological investments to enhance research capabilities and operational efficiency through AI and big data [7] Group 3 - The company is establishing a comprehensive investment research system with various departments to ensure efficient collaboration between investment and research [8] - A robust risk management framework is being developed to cover various types of risks, ensuring a comprehensive approach to risk management [8] - The company aims to continuously enhance its resource allocation in the five key financial areas to inject more financial resources into the real economy [9]

河南日报客户端记者 李鹏 社融数据能够更加全面地反映金融对实体经济的支持力度。今年前7个月，全省社会融资规模增量累计 为6272.7亿元。 据了解，今年以来，中国人民银行河南省分行深入践行金融工作的政治性、人民性，在强化金融政策支 持、创新服务模式、开展政银企对接等方面持续综合发力，引导全省金融机构持续加大对民营小微、乡 村振兴、民生等领域的金融支持，着力做好普惠金融大文章，推动全省普惠金融覆盖面、可得性、满意 度有效提升。 9月17日，记者从中国人民银行河南省分行获悉，8月份河南省金融运行情况发布。相关数据显示，金融 支持实体经济力度持续稳固，全省普惠小微贷款增速较快。 具体来看，存款方面，8月末，全省本外币存款余额115993.7亿元，全省人民币存款余额115557.1亿元。 其中，住户存款余额82020亿元；非金融企业存款余额17494亿元；财政性存款余额1102.9亿元；非银行 业金融机构存款余额3964.2亿元。 贷款方面，8月末，全省本外币贷款余额92876.5亿元，全省人民币贷款余额92622.2亿元。分部门看，住 户贷款余额35121.8亿元，企（事）业单位贷款余额57342.3亿元，非银行业 ...

Core Viewpoint - The Chinese government emphasizes the importance of financial support for rural revitalization, highlighting the need for improved access to financial services in rural areas to overcome existing challenges such as credit difficulties and insufficient collateral [1][2]. Group 1: Financial Support Initiatives - The People's Bank of China has implemented five major actions to support rural revitalization, focusing on financing for food security, rural industries, construction, and governance [1]. - The National Financial Supervision Administration has announced an increase of 300 billion yuan in the quota for agricultural and small enterprise re-loans, merging agricultural and small enterprise re-loans into a single category to enhance policy effectiveness [2][3]. - As of the end of Q2 2025, rural loan balances reached 38.95 trillion yuan, a year-on-year increase of 7.4%, with agricultural loans growing by 8.1% [4]. Group 2: Technological Empowerment - The digital finance wave is transforming rural financial services, with banks encouraged to utilize technology such as big data and artificial intelligence to enhance credit services for the agricultural sector [5][6]. - Despite advancements, challenges remain, including the digital divide and information asymmetry, which hinder the effective delivery of financial services to rural areas [6][7]. Group 3: Small and Micro Enterprise Financing - The balance of inclusive small and micro enterprise loans reached 36 trillion yuan by the end of Q2 2025, reflecting a year-on-year growth of 12.3% [8]. - Financial institutions are urged to optimize their services for small and micro enterprises, addressing specific financing challenges in rural areas [9].

Core Viewpoint - China Minsheng Bank's Jinan Branch is enhancing inclusive financial services, focusing on the financing needs of small and micro enterprises, and increasing support for their high-quality development [1] Group 1: Financial Support for Small and Micro Enterprises - The Jinan Branch's Linyi Secondary Branch is addressing local industry needs, particularly in commerce, logistics, and wood and building materials [1] - Linyi City Yingjun Trading Co., Ltd. has achieved over 300 million in annual sales and more than 10 direct stores with continuous financial support from Minsheng Bank over the past decade [1] - Linyi City Yacheng Wood Industry Co., Ltd. has transitioned from domestic sales to a dual domestic and international development model with the bank's assistance [1] Group 2: Innovative Financial Products - The Linyi Branch has launched various credit products such as "Minsheng Hui Credit Loan," "Government Procurement Quick Loan," "Minsheng Quick Loan," and "Hive Plan" to support small and micro enterprises [1] - A diversified product system combining "mortgage + credit" and "online + offline" has been established to enhance financial supply for small and micro enterprises [1] - As of August 2025, the balance of inclusive loans for small and micro enterprises at the bank reached 11.2 billion [1]

Core Viewpoint - The article highlights the launch of a series of high-quality development activities for public funds in Beijing, emphasizing the importance of the "Five Major Articles" in guiding financial institutions to support national strategies and the real economy [1][3]. Group 1: Five Major Articles - The "Five Major Articles" include technology finance, green finance, inclusive finance, pension finance, and digital finance, which provide a clear direction for financial institutions to leverage their advantages [3]. - Technology finance is prioritized, aiming to provide comprehensive financial services for technological innovation and tech enterprises, thereby promoting the development of new productive forces [3]. - The importance of green finance is increasingly recognized in the context of sustainable development, with the company actively developing products focused on green and low-carbon initiatives [3][4]. Group 2: Product Development and Services - The company has diversified its product line to meet various investor needs, including active equity funds, bond funds, and index funds, thereby playing a significant role in inclusive finance [5]. - In response to the aging population, the company has launched pension-targeted funds and educational initiatives to enhance awareness of pension planning among investors [6]. Group 3: Digital Transformation and Security - The company is actively engaging in digital transformation by enhancing its information technology infrastructure and ensuring network security, which is crucial for improving service quality [7]. - The ongoing efforts to strengthen core capabilities will enable the company to better serve national strategies and meet investor financial needs [7].

Core Insights - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch has successfully launched the first digital RMB "Border Resident Loan" in the country, aimed at enhancing financial inclusion for border trade [1] - The loan is based on the bank's digital "Quick Loan" model and is a pure credit product that does not require collateral, addressing the short-term and urgent financing needs of border residents [1] - The loan is disbursed in digital RMB directly to the wallets of border residents, ensuring compliance and control over fund sources, while payments for border trade transactions are facilitated through the North Bay Digital RMB Comprehensive Service Platform [1] Summary by Sections Digital RMB Loan Initiative - The "Border Resident Loan" is designed to meet the financing needs of border residents with a focus on accessibility and ease of acquisition [1] - The loan features a one-year LPR (Loan Prime Rate) with low interest rates, promoting financial literacy through community engagement initiatives [1] Future Applications - ICBC Fangchenggang Branch plans to explore the application of digital RMB in cross-border e-commerce and bulk commodity trading, aiming to provide replicable financial innovation experiences for border trade across the country [2]

Group 1: Credit Strategy and Focus - The bank will continue to focus on supporting the real economy and rural revitalization, increasing credit investment in agriculture and small micro enterprises [2] - Emphasis on "supporting agriculture and small businesses" as the main strategic positioning, with ongoing adjustments to credit structure to align with financial industry trends [2] Group 2: Services for Small and Micro Enterprises - The bank aims to enhance the quality and efficiency of financial services for small and micro enterprises through systematic measures [2] - Specific initiatives include ensuring a dedicated credit plan for small and micro enterprises, promoting the "Thousand Villages and Ten Thousand Households" initiative, and improving service reach [2][3] Group 3: Risk Management and Innovation - Implementation of a due diligence exemption system and risk tolerance for small micro loans to boost confidence among loan officers [3] - Focus on product innovation and scenario marketing to enhance the accessibility of financial products for small and micro enterprises [3] Group 4: Digital Transformation - The bank is committed to improving digital lending capabilities by developing online credit products and leveraging digital platforms for inclusive finance [3]

小微企业发挥着稳定经济、扩大就业以及改善民生的重要作用。农行昌吉分行优化小微企业金融服务， 组建营销专属服务团队，结合"千企万户大走访"活动，主动"走出去"，面对面了解企业经营状况，实打 实解决融资难题，不断提升服务小微企业的能力，针对企业融资需求，丰富担保方式，降低融资成本， 扩大信贷产品供给，加大小微企业的支持力度，着力缓解小微企业融资难、融资贵、融资慢问题，打通 金融惠企利民的"最后一公里"，提升金融服务覆盖面与普遍性。近3年该行累计投放小微企业贷款超160 亿元，支持小微企业客户约420户。 农行昌吉分行践行服务"三农"主责主业，发挥自身优势，拓展服务路径，持续优化"三农"金融产品，作 为新疆棉花、粮食的主产地，围绕当地种植生产、种业振兴、农业产业化、乡村振兴等重点领域，锚定 粮食和重要农产品的金融服务，制定粮棉行业信贷支持措施和产业链各经营主体营销服务方案，推 广"产业化龙头企业+农民合作社+种养户"链式模式，提供从种植、收购、生产、加工到销售品牌的全 产业链、全主体综合金融服务，使农业产业链向前后端延伸、上下游拓展。同时，该行还加快对特色农 产品初深加工、农村电商直播、休闲农业、乡村旅游业等支持， ...