以技术集成和服务下沉为核心，"小微云"构建起覆盖基础金融功能的移动化服务平台，通过身份证识 别、人脸认证、双屏交互等硬件模块实现业务办理全流程数字化；依托微服务架构的灵活扩展能力，同 步叠加反诈宣传、农产品推广等场景化服务，并借助村委、商超等合作站点形成"7×24小时"延时服务网 络，以"一终端多场景"模式破解农村金融服务的空间阻隔与数字鸿沟，累计服务约1500个城乡点位，推 动普惠金融从"最后一公里"向"最后一百米"深化。 自2017年乡村振兴战略提出以来，我国农业农村发展取得了历史性突破，城乡融合发展格局加速形成。 2025年3月，在国务院办公厅印发的《关于做好金融"五篇大文章"的指导意见》（以下简称《意见》） 中同样提及乡村振兴的重要性。《意见》中指出，将"完善多层次、广覆盖、可持续的普惠金融体系"作 为主要着力点之一。健全多层次普惠金融机构组织体系，优化普惠重点领域产品服务供给。 在此背景下，作为地方法人银行的青岛农商银行，始终坚定以"支农支小"为主的市场定位，时刻扛牢社 会责任，充分发挥企业在服务"三农"方面的优势，不断进行服务模式创新、积极优化服务布局、主动实 施公共关系建设、切实提高农村金融服务 ...

Core Viewpoint - The article highlights the integration of technology and finance by the Bank of China Dongtai Branch in promoting rural revitalization through a themed technology activity week titled "Red Bloodline · Technology Promotes Agriculture" [1][2] Group 1: Technology and Financial Innovation - The Dongtai Branch has created an immersive experience area in Yangshen Village to bridge the gap in rural technology application, allowing villagers to interact with AI devices for weather and agricultural knowledge [1] - The use of intelligent tools like "DeepSeek" simplifies the credit application process, making complex financial services more accessible to rural residents [1] - The bank aims to eliminate information barriers and promote digital financial inclusion in rural areas [1] Group 2: Financial Support for Agriculture - The core of the technology activity week is to activate the endogenous motivation of rural areas through financial power, with customer managers conducting on-site credit assessments for quality agricultural entities [1] - The event promotes specialized financial products such as "Red Agricultural Loan," "Yunong Quick Loan," and "Rural Revitalization Credit Card," addressing the challenges of financing in agricultural development [1] - The bank utilizes big data risk control models and mobile financial terminals to ensure precise delivery of credit resources to rural areas [1] Group 3: Cultural Integration and Social Responsibility - The Dongtai Branch integrates red culture into its technology financial services, sharing stories of past struggles while promoting digital financial knowledge [2] - The bank's efforts reflect a commitment to social responsibility, aiming to optimize the rural credit system and bridge the urban-rural digital divide [2] - The initiative represents a unique path of "Finance + Technology + Red Culture" for agricultural development [2]

转自：新华财经 民营经济是推进中国式现代化的生力军，是高质量发展的重要基础。从传统产业转型升级，到新兴产业 发展壮大，再到未来产业加速培育，民营企业都扮演着重要角色，民营经济发展前景广阔、大有可为。 激活民企发展新动能，离不开金融"活水"的精准滴灌。 作为全国民营经济最集中、最活跃、最发达的地区之一，苏州健全用好支持中小微企业融资协调工作机 制，通过整合政府、银行、企业多方力量，构筑起覆盖民营企业全生命周期的融资支持体系。工商银行 苏州分行（以下简称"苏州工行"）充分发挥服务实体主力军作用，推出多项举措促进民营企业金融服务 量质双升，激发民营企业活力和创造力，助推民营经济攀高向新。截至2025年4月末，该行民营企业贷 款余额超1700亿元，较年初新增170亿元，信贷资源惠及超3.5万民营经济主体。 "角色转换"贴近小微需求，陪伴式服务更近一步 民营小微企业数量庞大，行业分布广泛，是稳经济、促就业、增活力的关键力量。长期以来，融资难、 融资贵、融资慢是小微企业发展过程中普遍面临的痛点。苏州市高度重视民营经济发展，为有效解决民 营企业"融资从0到1""轻资产抵押难"等老大难问题，苏州建立了市、县两级支持中小微企业 ...

交易咨询资格号： 晨会纪要 2025 年 6 月 5 日 证监许可[2012]112 | | [Table_Finance] | | | | | | --- | --- | --- | --- | --- | --- | | 联系人：王竣冬 | 2025/6/5 | | 基于基本面研判 | | | | 期货从业资格：F3024685 | 趋势空头 | 震荡偏空 | 震 荡 | 震荡偏多 | 趋势多头 | | | | 多晶硅 | 铝 | 中证1000指数期货 | | | 交易咨询从业证书号：Z0013759 | | 工业硅 | 氧化铝 | 沪深300股指期货 | | | | | 沥青 | 二债 | 燃油 | | | 研究咨询电话： | | 烧碱 | 五债 | 上证50股指期货 | | | | | 生猪 | 棉花 | 中证500股指期货 | | | 0531-81678626 | | PTA | 棉纱 | 硅铁 | | | | | 乙二醇 | 玻璃 | | | | 客服电话： | | 短纤 | 纯碱 | | | | 400-618-6767 | | 对二甲苯 | 三十债 | | | | | | 鸡蛋 | 白糖 | ...

分析师：张刚 登记编码：S0730511010001 zhanggang@ccnew.com 021-50586990 晨会聚焦 资料来源：聚源，中原证券研究所 -16% -10% -5% 0% 6% 11% 16% 21% 2024.06 2024.10 2025.02 2025.06 上证指数 深证成指 | 国内市场表现 | | | | | --- | --- | --- | --- | | 指数名称 | | 昨日收盘价 | 涨跌幅(%) | | 上证指数 | | 3,376.20 | 0.42 | | 深证成指 | | 10,144.58 | 0.87 | | 创业板指 | | 2,022.77 | -0.47 | | 沪深 | 300 | 3,868.74 | 0.43 | | 上证 | 50 | 2,443.97 | -0.52 | | 科创 | 50 | 891.46 | 0.14 | | 创业板 | 50 | 1,924.26 | -0.67 | | 中证 | 100 | 3,690.74 | 0.37 | | 中证 | 500 | 5,739.01 | 0.78 | | 中证 | 1000 | ...

Group 1 - The Shanghai Cooperation Organization (SCO) finance ministers and central bank governors meeting was held in Beijing, discussing global and regional economic challenges and financial cooperation [1] - The meeting achieved substantial progress towards the establishment of the SCO Development Bank and agreed to create a financial think tank network [1] - Topics included improving local currency settlement arrangements and enhancing digital inclusive finance cooperation [1] Group 2 - The National Energy Administration announced the initiation of pilot projects for new power systems, focusing on building or upgrading renewable energy power stations in areas with tight supply or significant consumption pressure [2] - The projects aim to enhance system performance with a target of increasing output by over 10% during peak hours [2] - Priority will be given to projects with installed capacity of over 200,000 kilowatts [2] Group 3 - Guangdong Province is planning to develop a marine strong province indicator system to evaluate the effectiveness of marine development [3] - The system will include functional positioning, compilation principles, and calculation methods, ensuring practical implementation [3] - This initiative aims to support the construction of a new marine Guangdong [3] Group 4 - Shenzhen's Industrial and Information Technology Bureau announced a support plan for the smart terminal industry, with funding up to 20 million yuan for various AI terminal projects [4] - The focus is on research, production, and application promotion of innovative consumer electronics, including smartphones and smart home products [4] - The application system for funding will open on June 13 [4] Group 5 - The National Railway Administration is promoting the green transformation of old diesel locomotives by replacing fossil fuel systems with electric and hydrogen fuel cell systems [5] - This initiative aims to improve energy efficiency and reduce emissions from railway operations [5] Group 6 - PingPong has received preliminary approval from the Central Bank of the UAE to become the first Chinese third-party payment institution to hold a UAE payment license [6] - This marks a significant step for Chinese payment platforms in expanding their international presence [6] Group 7 - Shanghai's Development and Reform Commission encourages local enterprises to actively apply for infrastructure REITs reserve projects, with a minimum asset valuation of 1 billion yuan for new issuances [8] - Existing REITs can expand without asset size restrictions, allowing for bundled calculations of multiple projects [8] Group 8 - The Ministry of Industry and Information Technology and the Chinese Academy of Sciences are launching an innovation task for high-performance bioreactors, focusing on key technologies and applications [9] - The initiative aims to enhance the integrated development capabilities of technology research, supply-demand matching, and large-scale application [9] Group 9 - In May 2025, A-share new account openings reached 1.56 million, a year-on-year increase of 22.86% compared to 1.27 million in May 2024 [10] - Despite a decline from previous months, the overall trend remains robust, with the total new accounts in 2025 exceeding the first six months of 2024 [10] Group 10 - China Eastern Airlines announced a new fuel surcharge policy effective June 5, 2025, exempting fuel surcharges for domestic flights under 800 kilometers [11] - For flights over 800 kilometers, a surcharge of 10 yuan per passenger will be applied [11] - The policy aims to adjust pricing structures for domestic air travel [11]

Group 1 - The article highlights the importance of supporting small and micro enterprises in the agricultural sector to enhance food production and improve the livelihoods of farmers and consumers [1] - Industrial and Commercial Bank of China (ICBC) has been actively involved in providing financial support to agricultural enterprises through various loan products tailored to their specific needs [2][3] - The case of a pig breeding company in Chongqing illustrates how ICBC provided a 5 million yuan loan to facilitate the upgrade of feed quality and breed improvement, contributing to the establishment of a national-level pig industry cluster [1] Group 2 - In Shaanxi, a meat sandwich factory has expanded significantly, producing 250,000 dough pieces daily, and received a 3 million yuan loan from ICBC to invest in a new automated production line [2][3] - A poultry farming company in Jiangxi plans to increase its scale from 4 million to 9 million hens within three years and received a 10 million yuan loan from ICBC to support the construction of a smart poultry industry park [3] - ICBC's innovative loan products, such as "Pork Sandwich Specialty Loan" and "Apple Agricultural Loan," effectively meet the diverse financing needs of small and micro customers, stabilizing the food supply chain [3]

Core Viewpoint - Zhejiang Ruifeng Rural Commercial Bank's exploration and practice in the field of rural digital inclusive finance provides a valuable example for the industry, particularly through its innovation in scenario finance, which integrates financial services into various scenarios such as government affairs and people's livelihoods, thereby broadening service boundaries and offering more convenient and efficient comprehensive services to rural residents [1][2]. Group 1: Scenario Finance Innovation - Scenario finance combines financial services with specific commercial service scenarios, closely linking customer needs with financial solutions to provide more convenient, efficient, and personalized services [1]. - Financial institutions are focusing on breakthroughs in scenario finance services, achieving certain results in recent years, with innovative scenario finance becoming a key path to promote rural digital inclusive finance development [1][2]. Group 2: Agricultural Production Scene - In the agricultural production scene, financial institutions can utilize big data, IoT, and satellite remote sensing technologies to integrate data on land, crops, and agricultural materials, conducting credit assessments and risk predictions [2]. - This approach can lead to the introduction of precision credit services such as agricultural big data credit, meteorological loans, agricultural machinery loans, and IoT + supply chain finance, effectively alleviating issues like information asymmetry and insufficient collateral in traditional financial services [2]. Group 3: Rural Life Scene - In the rural life scene, financial institutions can focus on rural consumption areas, providing differentiated financial products related to family education, medical expenses, and housing improvement [2]. - Collaborations with public service units can enable online handling of livelihood payments, while partnerships with rural supermarkets and individual businesses can facilitate electronic payment solutions and financial services for fund management and value-added needs [2]. Group 4: Business Scene - In the business scene, financial institutions can design comprehensive financial solutions for emerging industries such as rural tourism, leisure agriculture, and green ecological agriculture, including project financing, consumer credit, and settlement services [2]. - For instance, financing can be provided for rural tourism projects to build facilities like guesthouses and farm stays, while also offering consumer credit services to tourists [2]. Group 5: Challenges and Solutions - Currently, innovative scenario finance faces challenges such as data integration and sharing difficulties, with rural data being dispersed, of varying quality, and a lagging credit system [2]. - Financial institutions need to build rural data sharing platforms within a legal framework, integrate multi-source data, enhance data governance, and improve data quality, while leveraging financial technology to optimize credit evaluation models and conduct credit education [2]. Group 6: Overall Perspective - Financial institutions should expand service areas and optimize service processes under controllable risks, providing higher quality and efficient financial services to rural residents and business entities, thereby injecting financial vitality into rural revitalization and supporting the prosperous development of the rural economy [3].

■本报记者 王爱静 发展农村数字普惠金融在推动农村经济发展、缩小城乡差距、助力乡村振兴等方面具有重要意义。前不 久，浙江瑞丰农商银行试点探索发展农村数字普惠金融任务成功入选全国农村改革试验区拓展试验任 务，为行业提供了可借鉴的范例。近日，本报记者专访浙江瑞丰农商银行党委书记、董事长吴智晖，深 入探讨该行在农村数字普惠金融方面的试点探索情况、具体措施等。 记者：当前农村金融市场需求和供给现状如何？您认为数字普惠金融的介入能够解决哪些痛点问题？ 二是深化全客群服务模式，推进"农户+小微"全触达。通过数字化提供批量化、标准化、精准化服务， 提高农村重点客群服务效率和质量，实现客群覆盖更广、融资成本更低。深化"农户小额普惠贷款工 程"成效，提升农户数字信贷可得性，解决农村长尾客户服务难问题，力争做到"人人可贷"。 吴智晖：从本地情况来看，浙江绍兴市柯桥区民营经济发达，产业集聚，农村金融服务需求多，30余家 银行业金融机构云集于此，金融服务不断下沉，同业竞争白热化。同时，农村金融服务的供给仍存在一 些不足之处。 数字普惠金融介入能够较好地解决以下三个痛点：一是解决农村客户可用数据少、更新难度高、信息不 对称的问题，让农 ...

新网银行自成立以来长期深耕数字普惠金融，依托领先的金融 科技能力、稳健的大数据风控技术和高效的互联网开放平台运 营模式，服务小微群体，支持实体民营经济。 封图：图片资料室 在擘画中国式现代化的壮阔征程上，民营经济如同奔涌的江河，以 持续 动能推动着国民经济 这 艘 巨轮破浪前行。民营经济贡献了 50％以上的税收，60％以上的国内生产总值，70％以上的技 术创新成果，80％以上的城镇劳动就业，90％以上的企业数量。 在这幅宏伟蓝图中，作为 新一代 数字原生银行，新网银行自成立以来 长期 深耕数字普惠金融， 坚持 "两个只做"——只做依靠技术能够管控风险的业务、只做主流银行不能充分服务的客群。数 字信贷的清流浸润田间地头，让乡村振兴的沃土绽放科技之花，构建的智能金融网络如毛细血管般 深入实体肌理，让融资高山化作通途。这不仅是一场金融服务的跃迁，也是对"五篇大文章"的铿 锵作答。 解码民营经济金融基因：数字技术重塑普惠生态图谱 小微企业恰似繁星点点的毛细血管，既编织着国计民生的经纬网，更托举着千万家庭的烟火人间。 这些经济末梢的微光，凝聚成社会经济的神经网络。但长期以来，中小微客群普遍存在信用信息和 风险数据不足问 ...