专题：金融机构传达学习中央经济工作会议精神 来源：人民保险 12月15日，中国人保集团党委召开扩大会议，传达学习中央经济工作会议精神，结合全国金融系统工作 会议要求，研究部署中国人保贯彻落实措施。集团党委书记、董事长丁向群主持会议并讲话，党委成员 参加会议。 会议指出，习近平总书记在中央经济工作会议上发表的重要讲话，全面总结2025年和"十四五"期间经济 工作，深刻分析当前经济形势，系统部署2026年经济工作，立意高远、内涵丰富，具有很强的政治性、 思想性、指导性，为做好明年乃至今后一个时期的经济工作，注入了强大信心，提供了根本遵循。人保 集团要认真学习贯彻，切实把思想认识统一到中央经济工作会议精神特别是习近平总书记重要讲话精神 上来。 会议强调，要深刻领会2025年和"十四五"时期我国经济社会发展的伟大成就，更加坚定拥护"两个确 立"、坚决做到"两个维护"；深刻领会党中央对我国经济发展的重要判断和规律性认识，把"五个必 须"不折不扣落实到发展改革各方面全过程；深刻领会党中央关于做好明年经济工作的总体要求，切实 将党中央的宏观政策部署在保险领域落实到位；深刻领会党中央关于做好明年经济工作的"八个坚持"重 点任 ...

二是聚焦重点领域，推动专业实践落地见效。国海证券围绕科技创新、先进制造、绿色低碳等重点方 向，从融资端、投资端、研究端协同发力。2024年以来，国海证券通过股权融资、债券融资、ABS、股 权投资等多元方式服务科技、绿色领域投融资超40亿元，实现跨越式提升。其中，助力2家科技企业申 报IPO、3家科技企业进入辅导备案，完成全国首单银行绿色贸融ABS、全国城商行首单"碳中和"绿色金 融债、广西首单股权出资类用途私募科创债等多个创新性项目，引导资金流向重点战略领域。此外，发 挥深度研究作用，发布机器人、新材料、生物医药等科技金融、绿色金融相关的研究报告400余篇，举 办科技、绿色领域专题会议百余次，发现挖掘战略新兴企业价值。 ■"夯实文化软实力 积极履责显担当"系列专题报道 国海证券（000750）党委书记、董事长王海河： 根植于深厚的文化底蕴，中国特色金融文化滋养着金融业的根基与未来，已成为推动行业行稳致远的磅 礴精神力量。国海证券党委书记、董事长王海河日前在接受中国证券报记者专访时表示，在中国特色金 融发展之路上，中国特色金融文化是一股强劲的精神力量，推动金融业在改革发展的过程中坚守初心、 守正创新、履责担当。 ...

2025.12.11 东方金诚首席宏观分析师王青认为，着眼于做好"五篇大文章"，引导金融资源更多支持科技创新、制造 业转型升级、绿色发展、小微企业，以及促消费稳外贸等国民经济重点领域和薄弱环节，2026年央行将 优化用好各类结构性货币政策工具，总体上是"加量降价"，即结构性货币政策工具额度总体上会增加， 操作利率则会跟进降息适度下调。结构性货币政策工具发力，除了推动新旧增长动能转换、助力高质量 发展外，也会起到以结构带总量的作用，推动整体信贷、社融增长。 招联首席研究员董希淼也表示，接下来央行将针对结构性矛盾，坚持聚焦重点、有进有退的原则，科学 使用、适时创设结构性货币政策工具，逐步淡化对数量目标的关注，更加注重引导金融资源更多地配置 到科技创新、提振消费、绿色低碳等重点领域和薄弱环节，做好金融"五篇大文章"，增强政策的精准性 和有效性。 近年来，为了适配经济高质量发展的需要，央行不断丰富基础货币投放渠道，创新运用结构性货币政策 工具等再贷款，激励引导金融机构优化信贷投向。2025年三季度末，结构性货币政策工具余额占基础货 币的比重约13%。最新数据显示，9月末，支持做好金融"五篇大文章"的结构性货币政策工具 ...

Group 1 - The digital RMB pilot has expanded across Sichuan province, focusing on key areas such as "eating, living, traveling, shopping, and medical services" with 3.3 million unique application scenarios established and transaction volume reaching 479 billion yuan [1][2] - By the end of October 2025, the total loan balance in Sichuan province is projected to reach 12.8 trillion yuan, representing an 80.7% increase from the end of 2020, with significant growth in loans for key sectors [1] - Infrastructure loans in Sichuan are expected to reach 4.47 trillion yuan by October 2025, marking a 210% increase since the end of 2020, indicating strong financial support for the real economy [1] Group 2 - The financial cooperation between the 10 neighboring regions of Sichuan and Chongqing has deepened, with initiatives such as cross-province electronic tax payments being promoted nationwide [2] - Financial institutions have provided over 40 billion yuan in fee reductions, benefiting more than 3.41 million merchants, showcasing the commitment to enhancing financial service levels [2] - The Sichuan provincial government aims to maintain a stable yet progressive approach to financial development, focusing on high-quality financial services and management to support the modernization of Sichuan [2]

据央行，为深入贯彻党的二十届四中全会精神，加快实现高水平科技自立自强，落实《加快构建科技金融体制 有力支撑高水平科技自立自 强的若干政策举措》，11月27日，中国人民银行、科技部等部门联合召开科技金融统筹推进机制第一次会议。中国人民银行行长潘功胜、 科技部部长阴和俊出席会议并讲话。中国人民银行副行长朱鹤新主持会议，科技部副部长邱勇、金融监管总局副局长周亮、中国证监会副主 席陈华平、国务院国资委党委委员肖宗辉出席。 会议强调，明年是"十五五"开局之年，各有关部门要扎实推进各项工作任务落实，常态化运行科技金融统筹推进机制，强化科金协同、央地 联动，进一步优化政策措施。发挥好科技创新和技术改造再贷款政策作用，高质量建设债券市场"科技板"，促进私募股权投资和创业投 资"募投管退"循环，强化科技保险高质量发展，引导和推动金融资源科学高效配置，加强对金融机构"五篇大文章"工作成效评估，完善融资 对接、信息共享、知识产权转化运用等配套机制，助力高水平科技自立自强。 中国人民银行、科技部、国家发展改革委、工业和信息化部、财政部、国务院国资委、金融监管总局、中国证监会、国家知识产权局、国家 数据局、国家外汇局相关司局负责人参加 ...

加强货币政策传导，保持信贷总量合理增长。"十四五"期间，人民银行威海市分行通过下调法定存款准 备金率、加强货币政策工具使用等措施，推动金融机构加大信贷投放力度，带动金融总量实现合理增 长。突出"平稳增长、均衡投放"主线，用好用活MPA评估指标体系，引导金融机构强化贷款均衡投放理 念，充分挖掘有效信贷需求，为威海经济大盘稳固提供强有力的金融支撑。截至2025年三季度，全市本 外币贷款余额6157.04亿元，较2020年末增长81.3%。 强化利率自律管理，推动融资成本明显下降。"十四五"期间，人民银行威海市分行充分发挥市场利率定 价自律机制作用，加强治理高息揽储、手工补息等情况，规范金融机构存贷款利率定价行为，保持存贷 款利率在合理水平。深入推进下调政策利率、批量下调房贷利率、明示企业贷款综合融资成本等工作， 通过现场核查、业务培训等方式加强政策指导，畅通利率政策传导渠道，减轻各类市场主体的利息负 担。 三季度末，全市新发放企业贷款利率3.74%，比2020年末下降1.14个百分点，实实在在为实体经济 让利。 齐鲁晚报·齐鲁壹点 连宁燕 "十四五"期间，人民银行威海市分行认真贯彻总分行各项决策部署，紧扣市委市政 ...

央广网北京11月25日消息（记者 冯方）11月22日，"第二十届21世纪金融年会"在京举行。会上，中国 人民银行信贷市场司副司长余剑表示，当前我国经济进入高质量发展阶段，科技、绿色、普惠、养老、 数字五大领域成为经济转型升级的重点方向。做好金融"五篇大文章"既是金融服务实体经济高质量发展 的重要着力点，也是深化金融供给侧结构性改革的重要内容。 余剑透露，从发展成效的统计数据来看，重点领域贷款保持持续较快增长，在全部贷款中的比重不断提 升。截至2025年8月末，金融"五篇大文章"贷款余额105.6万亿元，占各项贷款的比重达到38.7%，同比 增长13.2%，增速比各项贷款平均增速高6.6个百分点；其中科技、绿色、普惠、养老产业、数字经济产 业贷款余额分别同比增长12.1%、23.8%、10.8%、52%、12.5%，明显高于各项贷款平均增速。 余剑介绍，2024年以来，人民银行牵头携手相关部门，不断健全金融"五篇大文章"政策框架和服务体 系，建立金融"五篇大文章"统计和评估机制，建设信贷市场综合业务管理系统，形成政策"实施-评估-优 化"动态闭环，相关工作取得显著成效。 ...

余剑介绍，2024年以来，人民银行牵头携手相关部门，不断健全金融"五篇大文章"政策框架和服务体系，建立金融"五篇大文章"统计和评估机制，建设信贷 市场综合业务管理系统，形成政策"实施-评估-优化"动态闭环，相关工作取得显著成效。 余剑透露，从发展成效的统计数据来看，重点领域贷款保持持续较快增长，在全部贷款中的比重不断提升。截至2025年8月末，金融"五篇大文章"贷款余额 105.6万亿元，占各项贷款的比重达到38.7%，同比增长13.2%，增速比各项贷款平均增速高6.6个百分点；其中科技、绿色、普惠、养老产业、数字经济产业 贷款余额分别同比增长12.1%、23.8%、10.8%、52%、12.5%，明显高于各项贷款平均增速。 北京商报讯（记者 岳品瑜 董晗萱）11月22日，中国人民银行信贷市场司副司长余剑在"第二十届21世纪金融年会"上以"做好金融'五篇大文章'，赋能高质量 发展"为题发表演讲。 余剑表示，当前我国经济进入高质量发展阶段，科技、绿色、普惠、养老、数字五大领域成为经济转型升级的重点方向。做好金融"五篇大文章"既是金融服 务实体经济高质量发展的重要着力点，也是深化金融供给侧结构性改革的重要内容。 ...

Core Insights - The speech by Yu Jian emphasized the importance of financial services in supporting high-quality economic development in China, focusing on five key areas: technology, green finance, inclusive finance, elderly care, and digital economy [1][2] - The People's Bank of China is actively working on enhancing the policy framework and service system for these five areas, establishing a dynamic feedback loop for policy implementation, evaluation, and optimization [1] Financial Performance - As of August 2025, the loan balance for the five key areas reached 105.6 trillion yuan, accounting for 38.7% of total loans, with a year-on-year growth of 13.2%, outpacing the average growth rate of total loans by 6.6 percentage points [2] - Specific growth rates for loans in the key areas include: technology (12.1%), green finance (23.8%), inclusive finance (10.8%), elderly care (52%), and digital economy (12.5%), all significantly higher than the average loan growth rate [2]

Core Viewpoint - The 19th Shenzhen International Financial Expo will be held from November 19 to 21, 2025, focusing on "New Heights of Industrial Finance, Empowering Future Innovation," with nearly 300 global financial institutions participating to outline new financial services for the real economy [1] Group 1: Technology Finance - As of the end of October, the technology loan balance of the Shenzhen branch of China Construction Bank exceeded 244 billion yuan, with an increase of over 48 billion yuan since the beginning of the year, leading the industry [2] - The bank has developed a "heat map" for 34,000 technology enterprises in Shenzhen, providing differentiated services based on the characteristics of enterprises at different stages [2] - The bank has served over 11,000 technology enterprises, with nearly 6,000 credit approvals and total loans exceeding 12 billion yuan [2][3] Group 2: Green Finance - The Shenzhen branch of China Construction Bank has integrated green finance into its strategic priorities, establishing a diversified green finance service system to support the green transformation of the economy [4] - The bank has issued green loans to nearly 900 enterprises, focusing on key industries such as new energy vehicles and energy-efficient equipment manufacturing [4] - The bank has launched the first batch of "water-saving loans" in collaboration with the Shenzhen Water Conservation Technology Association, with an initial financing of 30 million yuan [5] Group 3: Inclusive Finance - As of the end of October 2025, the bank's inclusive loan balance reached 364 billion yuan, serving 106,000 clients, making it the largest financial institution serving small and micro enterprises in Shenzhen [7] - The bank has successfully provided a 3.88 million yuan working capital loan to a small jewelry company based on its good tax records and operational data [6] - The bank has developed a multi-layered, widely covered, and sustainable inclusive finance service system, leveraging digital transformation and product innovation [7] Group 4: Pension Finance - The Shenzhen branch has established the "Healthy Aging" brand, responding to the national strategy for an aging population, and has created a "1314" pension service system [8] - The bank has selected 60 "Healthy Aging" financial service outlets across 37 first-level branches, focusing on providing tailored services for elderly clients [8] - The bank aims to integrate resources to offer comprehensive services in pension planning, wealth management, and consumption for different stages of aging [8] Group 5: Digital Finance - The bank is accelerating its digital transformation to build a secure, efficient, and convenient digital financial ecosystem, supporting the "Five Major Articles" [10] - The bank has launched a "Digital Currency Prepayment Supervision Platform" to address regulatory challenges in the prepayment industry, covering 1,569 merchants and providing services for 960,000 consumers [10] - Future plans include expanding the digital currency regulatory model to 16 prepayment scenarios, enhancing consumer trust in Shenzhen [10] Group 6: Overall Impact - The achievements of the Shenzhen branch in the "Five Major Articles" reflect the bank's commitment to serving the real economy and fulfilling its social responsibilities [11] - The bank's financial services are closely aligned with the needs of various sectors, from technology enterprises to elderly care, demonstrating its responsiveness to societal changes [11]