证券时报记者秦燕玲 6月26日，金融监管总局、人民银行联合发布了《银行业保险业普惠金融高质量发展实施方案》（以下 简称《方案》）。《方案》明确未来5年要基本建成高质量综合普惠金融体系，同时从普惠金融服务、 普惠信贷、普惠保险三个方面提出具体政策举措。 金融监管总局有关司局负责人表示，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 保险体系建设是《方案》提出的3项重点工作任务。其中，在普惠信贷方面，《方案》明确，要完善普 惠信贷管理体系、提升小微企业信贷服务质效、加强"三农"领域信贷供给、加大脱贫地区和特定群体信 贷帮扶力度、强化民营企业信贷支持。 值得注意的是，本次《方案》在普惠金融相关政策中新增了强化民营企业支持力度的相关安排。前述负 责人表示，这是《方案》守正创新的具体体现，即在对过往实践中行之有效的经验做法进行提炼、强调 的同时，适应国家经济社会形势变化针对性提出新要求。 具体来看，《方案》明确，要持续加大信贷资源投入。加强涉企信用信息归集，提供专业化征信服务， 推广"信易贷"模式。重点满足有市场、有效益、信用好、成长性高的民营企业的有效融资需求。切实平 等保护民营企业金融公平交易权、金融服 ...

Group 1 - Small and micro enterprises are crucial for job creation, market prosperity, and improving people's livelihoods, and financial management departments are actively implementing policies to address their financing difficulties [1] - In May, measures to support financing for small and micro enterprises were introduced, emphasizing the need for coordinated policy efforts to alleviate financing challenges [1] - Commercial banks are responding by increasing support for small and micro enterprises, utilizing financial technology to innovate service products and enhance the accessibility and convenience of financial services [1] Group 2 - A clothing processing company in Xiamen received a tailored loan solution from a bank, which included a combination of "惠企快贷" and "信用快贷," resulting in a total loan of 6.45 million yuan to meet its funding needs [2] - The wedding dress town in Liu'an, Anhui, has over 400 wedding dress production enterprises and generates an annual output value of 2.4 billion yuan [2] Group 3 - A wedding dress store owner faced a 30% increase in orders but struggled to procure materials due to cash flow issues, and received timely financing through the "皖美e贷" product [3] - The use of a funds flow information platform allowed a modern agriculture company in Hubei to secure a loan of 4 million yuan, enhancing the efficiency of the credit approval process [4] Group 4 - The establishment of a national credit information sharing platform for small and micro enterprises aims to improve access to financing by providing multi-dimensional support for financial institutions [4][5] - The platform allows banks to utilize cross-bank funds flow data and intelligent risk control models to enhance credit assessment for small and micro enterprises lacking traditional collateral [5] Group 5 - A chemical small enterprise in Xiangyang received a "commercial value" loan through a platform that quantifies business value into credit scores, addressing its funding shortage [6] - Postal Savings Bank has issued 4.5 trillion yuan in inclusive small and micro loans over the past three years, focusing on digital transformation to enhance financial service accessibility [6] Group 6 - Agricultural Bank's "科捷贷" product, designed for small technology enterprises, utilizes public data systems to determine credit limits, significantly improving approval efficiency [7] - The integration of intellectual property and innovation metrics into the lending process allows small enterprises to leverage their patents as financial assets [7]

Core Viewpoint - The implementation of the "High-Quality Development Plan for Inclusive Finance in the Banking and Insurance Industries" is a significant step towards enhancing the accessibility and coverage of inclusive finance in China, reflecting the financial sector's commitment to serving the economy and the public [1][2]. Group 1: Development of Inclusive Finance - The coverage and accessibility of inclusive finance in China have significantly improved, with commercial banks expanding their reach and reducing financing costs [1]. - The People's Bank of China reported that by the end of Q1 2025, the balance of inclusive micro loans reached 34.81 trillion yuan, marking a year-on-year increase of 12.2% [2]. Group 2: Institutional Framework - The "Plan" emphasizes the establishment of a multi-tiered, widely covered, differentiated, and sustainable inclusive financial institution system, encouraging banks and insurance institutions to deepen their specialized mechanisms [2]. - Different financial institutions are encouraged to adopt differentiated positioning based on their operational characteristics to provide high-quality inclusive financial services [2]. Group 3: Innovations in Financial Services - The average interest rate for newly issued inclusive micro-enterprise loans was reported at 4.03% in the first two months of 2025, a decrease of 0.33 percentage points from 2024 [4]. - Technological advancements, such as AI and big data, are becoming crucial in enhancing the efficiency of inclusive finance, particularly in addressing the financing challenges faced by small and micro enterprises [4]. Group 4: Credit Assessment and Risk Management - The "Plan" calls for optimizing credit approval models and reducing reliance on collateral, which has been a significant barrier to providing credit to small and micro enterprises [6]. - Experts suggest that banks should innovate credit products and improve the efficiency of credit loan issuance, particularly for small enterprises with less tangible assets [7]. Group 5: Case Studies and Practical Applications - Agricultural Bank of China has integrated support for small and micro enterprises into its daily operations, focusing on key sectors like technology and foreign trade [3]. - China Bank has introduced the "Kehui Loan" product, utilizing a technology-based evaluation tool to assess the creditworthiness of tech-oriented small enterprises [5].

在北京市朝阳区的一间会议室里，北京易享信息技术有限公司总经理马鹏在和团队讨论产品界面设计问 题。自2014年成立以来，这家科创公司逐渐在市场竞争中站稳了脚跟。 这次合作，是金融活水滴灌小微企业的真实缩影，也是金融服务数字化的生动实践。截至2024年末，该 银行普惠小微贷款规模已达91亿元，增长45%。目前，该银行已为超1亿用户提供普惠金融服务，并不 断向产业金融纵深拓展。 "二手车行业是我们重点支持的领域之一。"中信百信银行首席市场官兼产业金融部总经理黄超举 例，"二手车生意经常需要在短时间内买进卖出，为了满足二手车商高周转的资金需求，贷款服务要及 时到位。" 去年，北京人人嘉诚汽车销售有限公司负责人王伟在扩店经营的过程中出现了资金缺口，急需一笔贷款 解困。经过多方比对，中信百信银行纯线上的贷款服务吸引了他。"以前总要花时间去银行网点办手 续，有时候还得跑好几趟。"王伟表示，"现在纯线上，感觉很方便，足不出户也能办成贷款。" "纯线上的服务，操作一定要简便。"黄超表示。目前，该银行线上应用的在线服务速度可达秒级，用户 同意授权后，后台系统可以根据用户的年龄、行业、地域等信息，为客户提供初步的贷款额度评估及定 ...

Group 1 - Jiangsu Changshu Rural Commercial Bank has opened new branches in Nanjing, Suqian, and Yangzhou, expanding its development footprint in Jiangsu province [1][2] - The opening of the Jiangning branch marks a strategic breakthrough for Changshu Bank, being its first establishment in the provincial capital of Nanjing, enhancing its regional layout [1] - The bank aims to provide inclusive financial services and support local economic development through specialized financial offerings, including inclusive finance, technology finance, digital finance, pension finance, and green finance [1] Group 2 - The Baoying branch in Yangzhou and the Sucheng branch in Suqian opened on June 30, 2023, reinforcing the bank's commitment to serving local economies and filling service gaps in these regions [2] - The Sucheng branch's rebranding focuses on understanding local customer needs and enhancing brand influence in the regional market [2] - Changshu Bank plans to strengthen its mission to support agriculture and small enterprises, optimizing its network in Nanjing, Yangzhou, and Suqian to drive sustainable development and contribute to Jiangsu's high-quality growth [2]

科技"普惠"并非一蹴而就的浪漫故事，而是由无数"小事"组成的系统工程。 封面来源 ｜ IC photo 在医疗AI的赛场上，又一家大厂开始全力冲刺。 6月26日，进入医疗领域11年后，蚂蚁集团正式发布独立AI健康应用"AQ"。 这是去年9月在支付宝内上线的"AI健康管家"的全新升级版；功能上，不只是问 诊咨询、健康科普 等 常规内容，甚至直接连接起了国内千余家医院、百万医生，以及鱼跃、华为等硬件设备厂商，形 成了覆盖院内院外全周期的健康管理 体系。 换句话说，以后再想找AI问问健康问题，办个异地医保报销，或询问下血糖、血压的控制建议，不必在各个不同的AI助手和APP之间反复"横跳"了，一个 AQ就搞定。 蚂蚁集团副总裁、医疗健康事业部负责人张俊杰表示："AQ将是蚂蚁向AI医疗健康方向发展的新入口。未来，蚂蚁还会联合更多医生、医院、医疗相关企 业，通过AQ为用户提供更普惠的医疗健康服务。" 值得注意的是，这并不是蚂蚁近期在医疗领域官宣的唯一动作。6月30日，蚂蚁集团发布年度ESG报告中，也首次将"普惠医疗健康"升级为集团五大业务板 块之一。 这些变化可能意味着什么？蚂蚁为何押注AQ应用，加速探索AI医疗？ "过 ...

2023年10月召开的中央金融工作会议首次明确提出金融"五篇大文章"，其中普惠金融赫然在列。而后， 党的二十届三中全会对金融"五篇大文章"作了再部署，国务院印发《关于推进普惠金融高质量发展的实 施意见》（以下简称《意见》），国务院办公厅印发《关于做好金融"五篇大文章"的指导意见》，任务 文/ 《清华金融评论》 白浩辰 6月2 6日，国家金融监督管理总局、中国人民银行联合发布了《银行业保 险业普惠金融高质量发展实施方案》。该方案是此前发布的《关于推进普 惠金融高质量发展的实施意见》《关于银行业保险业做好金融"五篇大文 章"的指导意见》基础上的又一政策指引，明确了普惠金融高质量发展的 实施路径，进一步加速了我国普惠金融进程。 6月26日，国家金融监督管理总局、中国人民银行联合发布了《银行业保险业普惠金融高质量发展实施 方案》（下称《实施方案》）。 从方向到路径，普惠金融蓝图再清晰 普惠金融与人民福祉息息相关。旨在通过扩展金融覆盖面，优化金融服务确保以小微企业、农民、城镇 低收入人群为重点的社会各阶层群体都能享受到便捷、可负担的金融服务。 自从2005年联合国首次提出普惠金融概念至今，已经过去了20个年头。我国始终 ...

Group 1 - The core viewpoint of the articles highlights the efforts of Industrial Bank's Urumqi branch in promoting financial knowledge and anti-fraud measures during the 2025 China-Eurasia Commodity Trade Expo, utilizing the event's international platform to reach a broader audience [1][2] - The Urumqi branch set up an anti-fraud promotional booth at the expo, engaging attendees through bilingual brochures and interactive games, successfully reaching over 400 individuals and more than 20 domestic and foreign enterprises [1] - The "Financial Knowledge Popularization Campaign" conducted by the Urumqi branch included 162 educational sessions, covering approximately 235,500 people and distributing over 20,000 informational materials [1] Group 2 - The Urumqi branch's representative stated that the expo provided an international stage for deepening the "Financial Knowledge Popularization Campaign," enhancing anti-fraud and payment service promotion [2] - The branch aims to continuously innovate educational methods and expand service depth to strengthen financial security in border areas and contribute to a harmonious financial ecosystem [2]

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]