优化资源配置，提高服务质效。为更好地服务制造业企业，该行进一步优化信贷资源配置，设立制造业 专项信贷额度，优先满足制造业企业的融资需求，特别是对高端装备制造、新材料、新能源等战略性新 兴产业给予重点支持。建立制造业重点企业"白名单"制度，为企业建立"绿色通道"，在风险可控的前提 下进一步简化贷款流程，提高审批效率，确保资金能够及时到位。 强化沟通对接，提供精准支持。在日常工作中，该行主动加强与当地发改、工信、科技等部门的沟通对 接，及时了解河池市产业政策动态和企业金融服务需求信息。同时，安排专人入园开展轮值服务，组建 专业服务团队，深入工业园区、企业车间，开展"一对一"走访调研，精准摸排企业在设备更新、技术改 造、产能扩张等方面的资金需求。针对不同企业的经营特点、发展阶段和融资痛点，量身定制金融服务 方案，精准满足企业的资金需求，助力企业转型升级和创新发展。（董思妗） 编辑：穆皓 转自：新华财经 工行河池分行坚持将制造业作为信贷投放的重点方向，紧密围绕河池市关键核心技术攻关、传统产业转 型升级等制造业发展重点领域，持续加大金融支持力度，推动制造业贷款规模稳步增长。截至2025年5 月21日，该行制造业贷款比年 ...

Core Viewpoint - The article highlights the role of Postal Savings Bank of China Chengdu Branch in supporting the local fruit industry through tailored financial products, particularly focusing on the needs of farmers and agricultural enterprises in Chengdu. Group 1: Financial Support for Farmers - Chengdu's rich fruit resources are complemented by the growing financing needs of farmers, prompting Postal Savings Bank to provide financial support to enhance agricultural productivity and local economic development [1][6]. - The bank has introduced "Industry Loans" that offer high limits, low interest rates, and quick approvals, which have been well-received by the market, with a total of 116 million yuan in fruit-related loans disbursed to 94 clients by the end of the first quarter [6][8]. Group 2: Case Studies of Financial Impact - Xu Yanmin and her husband, who run a family farm in Pujiang County, received a 1.5 million yuan loan, enabling them to purchase advanced agricultural equipment and expand their planting scale, thereby increasing their confidence in future development [1][2]. - Huang Zeyang, a major citrus grower in Jintang County, utilized a similar loan to enhance his irrigation system, resulting in an increase in the quality of his produce, with the good fruit rate rising from 60% to 85% and annual sales exceeding 3 million yuan [2][6]. Group 3: Innovative Financial Products - The "Credit Express Loan" product allows farmers like Wang Yongtao to access funds without collateral, addressing their immediate financial needs for maintenance and technology upgrades, with Wang receiving a 300,000 yuan loan [3][4]. - The bank's proactive approach includes on-site assessments and customized loan solutions, which have proven effective in meeting the unique financial demands of the agricultural sector [2][6]. Group 4: Broader Economic Impact - The financial support from Postal Savings Bank has not only improved individual farm operations but has also contributed to the overall revitalization of the rural economy, enabling farmers to achieve higher incomes and enhancing the local agricultural landscape [7][8]. - The bank is committed to continuing its support for agriculture by developing tailored financial solutions that align with local industry characteristics and financial needs, promoting sustainable growth in the sector [8].

Core Viewpoint - Consumption is identified as a key driver for economic growth in the current domestic economic landscape, with the government prioritizing measures to boost consumption and enhance investment efficiency [1][3]. Financial Policies and Measures - The government has outlined a clear action plan to stimulate consumption through various measures, including increasing residents' income, improving consumption quality, and optimizing the consumption environment [1]. - Financial policies are highlighted as a crucial tool for promoting consumption, with new structural monetary policy tools being implemented to support the consumption market [1][3]. Role of Credit Policies - Credit policies are recognized as the primary means of boosting consumption, with a significant reduction in consumer loan interest rates from the "3" range to the "2" range due to competitive lending practices [3][4]. - The regulatory halt on "rolling" interest rates reflects concerns over excessive consumer borrowing and the need for sustainable financial practices [3][4]. Customized Financial Products - Financial institutions are encouraged to design personalized financial products and services based on individual credit status and consumption needs, including flexible repayment plans and specialized loans for various sectors such as travel, education, and home renovation [5][7]. - The importance of enhancing the consumer experience through optimized approval processes and diversified repayment options is emphasized [5][7]. Risk Management and Control - The rising trend of non-performing loans in consumer credit necessitates a focus on risk management, with financial institutions urged to strengthen their risk control capabilities [6]. - The balance between expanding loan offerings and maintaining risk control is critical, with recommendations for utilizing big data and AI for effective risk assessment [6][10]. Addressing Market Challenges - Key challenges in financial support for consumption include mismatches between financial products and consumer needs, insufficient diversification of service models, and inadequate risk management mechanisms [10]. - Solutions proposed include better identification of consumer needs, optimizing financial product design, and enhancing collaboration between financial services and emerging consumption scenarios [10][11]. Future Innovations in Financial Support - Future innovations in financial support for consumption may focus on macro policy coordination, innovative financial products, and expanding the scope of consumption scenario financing [11][12]. - The establishment of a diversified funding supply system through capital market engagement and the promotion of asset securitization in consumer finance are suggested as potential breakthroughs [11][12].

Core Insights - The signing ceremony of the strategic cooperation agreement between Jiyuan Municipal Government and Zhengzhou Bank took place on May 22, highlighting the importance of financial support for Jiyuan's economic development [1][2] - Jiyuan aims to enhance its industrial strength, urban quality, cultural tourism brand, and quality of life, emphasizing the need for increased financial support from institutions like Zhengzhou Bank [1] - Zhengzhou Bank expressed its commitment to leveraging its resources and expertise to support Jiyuan's economic growth and development through innovative financial services [2] Group 1 - Jiyuan has a solid industrial foundation with key industries such as non-ferrous metals and deep processing of steel products, alongside emerging strategic industries like nanomaterials [1] - The city is focused on achieving high-quality development in line with the "14th Five-Year Plan" and preparing for the "15th Five-Year Plan," indicating a strategic approach to economic planning [1] - Zhengzhou Bank has emphasized its role in supporting local economic development and plans to innovate financial models to better serve Jiyuan's needs [2] Group 2 - The strategic cooperation agreement aims to enhance financial support for key enterprises and industries in Jiyuan, ensuring the financing of major projects [2] - Zhengzhou Bank intends to utilize its advantages as a local bank to provide efficient and tailored financial services to Jiyuan [2] - The partnership is expected to foster mutual benefits and joint development between Jiyuan and Zhengzhou Bank [1][2]

Core Viewpoint - The financial support and innovative measures implemented by the People's Bank of China in Maoming are significantly enhancing the development of the lychee industry, promoting rural revitalization and contributing to common prosperity. Financial Support Initiatives - The People's Bank of China in Maoming has established a comprehensive financial support system for the high-quality development of the lychee industry, including various preferential policies and financial cooperation agreements with local governments [2][3] - In 2023, the bank has injected a total of 3.575 billion yuan in loans and discounts to support agricultural and small enterprises, benefiting 2,580 market entities [2] Innovative Financial Products - Multiple banks have introduced over 10 specialized credit products related to lychee, such as "Lychee Loan" and "Lychee e-Loan," effectively increasing the accessibility and coverage of financial services for the lychee industry [5] - As of March 2025, the total loan balance for the entire lychee industry chain in Maoming reached approximately 3.286 billion yuan, reflecting a year-on-year growth of 16.3% [5] Digital Transformation - The establishment of the "Maoming Digital Chain Agricultural Industry Alliance" aims to provide comprehensive digital financial services across the entire lychee supply chain, facilitating the sale of lychees to over 12,000 farmers and 39 cooperatives [7] - A digital inclusive finance service area has been set up to enhance financial service quality for lychee-related tourism and e-commerce [7] Risk Management and Insurance - A comprehensive insurance system covering the entire lychee industry chain has been developed, including innovative insurance products for various risks associated with lychee production and transportation [8] - The insurance coverage for lychee plantations in Maoming exceeds 510,000 acres, with a total insured amount of 1.539 billion yuan [8] Economic Impact - The annual output value of the entire lychee industry chain in Maoming exceeds 12 billion yuan, with significant brand value growth and international market expansion [8]

2025.05. 27 本文字数：1482，阅读时长大约2分钟 导读 ： 政策措施要更加精准，合规的受益面要更广，相关市场主体可以获得更多实际利益。 作者 | 一财评论员 金融支持就业是一项重要工作，当前金融支持就业的力度越来越大，成效愈加彰显。 当前我国的就业形势总体稳定，全国城镇调查失业率稳中有降。4月份，全国城镇调查失业率5.1%， 比上月下降0.1个百分点，连续两个月下降。但随着经济结构调整和外部环境不确定性因素增加，就 业仍面临着一定压力，这就需要金融等方面给予积极支持。 5月19日央行召开的金融支持实体经济座谈会强调，金融系统要着力稳就业、稳企业、稳市场、稳预 期，抓好一揽子货币金融政策措施的落实和传导；在上月底国新办举行的新闻发布会上，央行相关负 责人表示，将更大力度推动落实创业担保贷款政策，加大对返乡农民工、新市民、高校毕业生、妇女 等重点群体创业就业的支持力度。 日前，人力资源和社会保障部印发了《关于进一步加大金融助企稳岗扩岗力度的通知》（下称《通 知》），与2022年人社部会同中国银行联合设立稳岗扩岗专项贷款相比（下称"专项贷款"），新措 施降低了申请门槛、扩大了对象范围、提高了授信额度、 ...

政策措施要更加精准，合规的受益面要更广，相关市场主体可以获得更多实际利益。 金融支持就业是一项重要工作，当前金融支持就业的力度越来越大，成效愈加彰显。 当前我国的就业形势总体稳定，全国城镇调查失业率稳中有降。4月份，全国城镇调查失业率5.1%，比 上月下降0.1个百分点，连续两个月下降。但随着经济结构调整和外部环境不确定性因素增加，就业仍 面临着一定压力，这就需要金融等方面给予积极支持。 5月19日央行召开的金融支持实体经济座谈会强调，金融系统要着力稳就业、稳企业、稳市场、稳预 期，抓好一揽子货币金融政策措施的落实和传导；在上月底国新办举行的新闻发布会上，央行相关负责 人表示，将更大力度推动落实创业担保贷款政策，加大对返乡农民工、新市民、高校毕业生、妇女等重 点群体创业就业的支持力度。 日前，人力资源和社会保障部印发了《关于进一步加大金融助企稳岗扩岗力度的通知》（下称《通 知》），与2022年人社部会同中国银行联合设立稳岗扩岗专项贷款相比（下称"专项贷款"），新措施降 低了申请门槛、扩大了对象范围、提高了授信额度、降低了利率水平、创新了服务模式。 来自人社部的数据表明，专项贷款设立以来，已累计为8万家小微企业 ...

Core Viewpoint - The implementation of the Private Economy Promotion Law on May 20, 2025, aims to enhance the development of the private economy, which plays a crucial role in growth, innovation, employment, and public welfare, while addressing the persistent issues of financing difficulties and high costs faced by private enterprises [1][2]. Group 1 - The law establishes equal legal status, market opportunities, and development rights for private economic organizations compared to other economic entities [2]. - It encourages financial institutions to develop and provide financial products and services tailored to the characteristics of the private economy, enhancing credit supply and aligning loan terms with the financing needs of private enterprises [2][3]. - The law also standardizes the credit system and financing mechanisms, promoting the establishment of a credit information sharing mechanism and supporting private enterprises in obtaining financing through stock and bond issuance [2][3]. Group 2 - There is a need for strengthened policy coordination between fiscal and monetary policies to create a supportive environment for the private economy [3]. - Financial institutions should broaden financing channels by developing products suited to private enterprises and exploring new models such as supply chain finance and intellectual property financing [3]. - Optimizing financial services is essential, including improving approval efficiency, reducing costs, and enhancing the accessibility of financing for private enterprises [3].

Group 1 - The core viewpoint of the articles highlights the significant performance of innovative drug and gold-themed ETFs, driven by geopolitical tensions and supportive government policies for technology enterprises [1][4][6] - A total of 139 ETFs recorded a growth rate exceeding 1%, with 18 ETFs surpassing 6% growth. The top performers were innovative drug ETFs, with the leading ones showing growth rates of 9.02% and 9.01% [2][3] - The COMEX gold price increased by 5.35%, while London gold saw a rise of 4.86%. Despite potential short-term adjustments, long-term demand for gold as an inflation hedge and safe haven is expected to support its price [5] Group 2 - Significant inflows were observed in defense and military ETFs, with several funds attracting over 1 billion yuan in net inflows. Notably, the Huaxia and Fortune military ETFs saw inflows exceeding 9 billion yuan [6][8] - The recent government policies aimed at enhancing credit support for technology enterprises are expected to benefit the Sci-Tech 50 ETF, which has also attracted significant investment [9] - The upcoming ASCO annual meeting is anticipated to showcase innovative drug research results from leading companies, further influencing the market dynamics in the pharmaceutical sector [3][4]

中新网广州5月24日电 (记者蔡敏婕)"日啖荔枝三百颗，不辞长作岭南人"。从5月中旬粤西地区的早熟荔 枝尝鲜上市，到粤东7月的晚熟荔枝，多个优质荔枝品种广东持续"上新"。 近年来，荔枝产业在金融活水的滴灌下，焕发勃勃生机。作为中国荔枝之乡，茂名市拥有连片荔枝生产 基地。为助力荔枝产业蓬勃发展，茂名市金融机构创新推出50余个涉荔信贷产品，截至今年一季度，茂 名金融机构累计为7家荔枝龙头企业提供了12笔转贷资金，为荔枝龙头企业节省短期融资费用约142万 元。 邮储银行茂名市分行针对种植大户、家庭农场、果品营销公司等不同主体需求，提供差异化信贷服务； 广发银行茂名分行立足地方特色，创新推出特色金融产品，探索出金融支持特色农业的可持续路径；农 业银行茂名分行今年挂牌成立荔枝、龙眼产业金融服务中心，为荔枝、龙眼产业客户提供一站式的金融 服务。 值得注意的是，广东金融机构之间也加强合作，整合资源，为荔枝产业提供综合金融服务。在推动荔枝 产业与电商、物流等产业融合发展过程中，金融机构共同为产业链各环节提供资金支持与风险保障，促 进荔枝产业全链条的健康发展。(完) （文章来源：中国新闻网） 针对荔枝种植周期长、投入大的特点， ...