近年来，徐州农商银行深耕实体经济，以精准金融服务助力企业高质量发展。 江苏浚泽电气有限公司是一家2018年成立的高新技术企业，2021年因搬迁新厂、扩增产能遭遇资金周转 难题——铜材、板材等原材料需现金采购，而项目回款周期长达3-6个月，资金链一度紧张。 徐州农商银行鼓楼支行主动对接，通过"苏科贷"纯信用贷款模式，3天内完成从材料提交到贷款到账的 全流程，及时缓解了企业资金压力。在资金助力下，企业新增生产线，顺利承接大型光伏配电项目，产 品现已覆盖全国并拓展至海外，年销售额预计突破5000万元，订单排至两个月后。 银行服务不止于放贷，更注重全周期陪伴。客户经理每月上门走访，跟进生产进度，根据需求调整服 务：结算开通"绿色通道"，对账提供上门服务，员工代发实现"秒到账"，还依据政策为企业申请利息减 免，真正做到"懂企业、肯帮忙"。 截至2025年三季度末，鼓楼支行贷款总规模达15亿元，新增普惠贷款1.06亿元，规模在徐州农商银行全 行排名第二，用实际行动诠释了"深耕实体显担当，精准滴灌促发展"的使命担当。申玉龙 ...

积极响应，快速投放流动资金，支持企业日常经营资金需求只是工商银行柳州分行践行金融服务实体经 济使命的缩影。一直以来，工商银行柳州分行坚守服务实体经济本源，立足区域经济发展战略，以实体 经济发展所需为出发点，发挥金融所能、工行所长，统筹信贷布局和投放，加大金融产品和服务供给， 有力地支持了地方经济高质量发展，截至10月末，该行公司贷款余额达452.69亿元，比年初增加25.11亿 元，以扎扎实实的数据展现金融担当。（陈衍豪 潘迎莹） 转自：新华财经 编辑：赵鼎 近日，工商银行柳州分行在日常客户维护中了解到某企业有优化融资结构的需求，该行第一时间组建柔 性服务团队，主动上门对接客户，根据企业经营实际，为其量身定制专属的利率优惠融资方案，此次总 共发放1.5亿元流动资金贷款，专项用于企业货款支付，并提供优惠利率；同时向客户提供贷款明白纸 及详细清单，透明融资成本，让客户清晰了解融资费用明细构成，真正"贷"得明明白白。 该企业主营工程机械等产品研发制造，拥有30余条整机产品线，产品远销180多个国家和地区，是拉动 当地经济增长、创造就业的重要力量。为支持企业稳健经营发展和产业链稳定，工商银行柳州分行持续 深化企业服务 ...

上期所相关工作人员介绍，上期所和上期能源已推出6个国际化特定品种以及32个合格境外投资者可交 易品种，覆盖金属、能源、化工等多个板块。目前SC原油期货已成为全球第三大原油期货市场，20号 胶期货、集运指数（欧线）期货等品种的成交规模远超境外同类产品。在极端市场环境下，上期所展现 出较强的风险抵御能力和价格引导作用，得到了国际市场的广泛认可。 上期所在成都开展期货公司能力提升培训 与此同时，上期所和上期能源在境外品牌注册、跨境交收等方面成果斐然。目前，已有128个境外品牌 注册，包括42个共建"一带一路"国家的境外品牌。上期所通过"制定标准"和"输出标准"，引导境外品牌 厂商在生产工艺、质量标准等环节向中国企业的需求不断倾斜，助力中国企业更好利用"两个市 场"和"两种资源"。 近日，由上期所主办的"上期大学堂——从业人员强化班"期货公司提升服务实体经济能力专班（第二 期）在成都举行。 作为中西部地区重要城市，成都正以创新之力构建金融发展新格局，推动成渝共建西部金融中心走向纵 深阶段。《四川省贯彻〈成渝共建西部金融中心规划〉实施方案》提出，"加强信贷、保险、期货、担 保等金融工具综合应用""支持符合条件的证券期货 ...

全省社会融资规模和本外币贷款增速分别连续77个月和62个月快于全国,"十四五"期间年均增速分别达 到11.5%和11.2%,为山东经济大盘稳固提供了强有力的金融支撑。 价格上做减法 推动融资成本明显下行 11月13日上午,省政府新闻办举行新闻发布会,介绍"十四五"时期推进山东金融高质量发展情况。中国人 民银行山东省分行副行长李云山表示,"十四五"时期,人民银行推出了一系列支持性货币政策。始终将金 融服务实体经济作为根本宗旨,精准落实各项支持性货币政策,扎实做好金融"五篇大文章",为全省经济社 会高质量发展营造了良好的货币金融环境。 总量上做加法 促进融资规模合理增长 "十四五"期间,人民银行山东省分行根据人民银行总行安排,累计9次下调辖内相关机构法定存款准备金 率,释放长期资金约4600亿元,显著增强了金融机构信贷投放能力,带动金融总量实现合理增长。 2025年9月末,山东省社会融资规模和本外币贷款余额分别达到25.6万亿元和16.2万亿元,分别较2020年末 增长67.8%和65.4%,提前完成《山东省"十四五"金融业发展规划》设定的25万亿元和15万亿元目标。 结构上做乘法 引导信贷结构持续优化 "十四五 ...

兴业银行天津分行将持续优化金融产品体系和服务流程，做好金融五篇大文章和产业金融、航运金 融等特色金融，不断提升金融服务实体经济质效。 （数据来源：兴业银行天津分行） 责任编辑：韩胜杰 近期，天津市地方金融管理局会同人民银行天津市分行、天津金融监管局、天津证监局等单位以及 相关专家学者组织开展2024金融服务实体经济优秀案例评选工作，兴业银行天津分行"天开创兴融"综合 金融服务方案成功入选"2024年度金融服务实体经济优秀案例"。 自2023年天开园筹备建设以来，兴业银行天津分行始终高度关注园区的建设与发展，快速响应市委 市政府号召，积极配合天开管委会与天开集团工作，大力支持园区建设及园区企业服务，成为首批与天 开集团开展授信合作的银行之一，针对天开园特点推出一系列定制化产品。在天开集团的指导下，分行 与母基金管理人合作，形成对入园企业的投贷联动，最终实现了科技型企业从初创期到全生命周期的产 品与服务覆盖。 2024年5月，在天开高教科创园开园一周年来临之际，天津天开发展集团、天津科创天使投资有限 公司、天津北洋海棠基金与兴业银行天津分行成功举办天开高教科创园系列专项产品发布会。此次发布 会上推出的"天开创兴融 ...

中原消费金融举办各类线下活动，积极提振消费。中原消费金融供图 □张雅露 金融作为实体经济的血脉，在提振消费、释放内需潜力中发挥了关键作用。目前，全国各地将拉动内需作为 推动经济增长的关键抓手，促进形成更多以内需主导、消费拉动、内生增长为主的经济发展模式。 当前，河南正深入贯彻"两高四着力"重大要求，在此背景下，金融服务实体经济的使命愈发重大。为此，必 须深入推动金融机构精准滴灌消费市场与实体经济领域。如今，"金融豫军"正在以实际行动书写一份关乎扩 内需、稳增长、惠民生的时代答卷。 场景融合 金融服务融入生活肌理 作为河南唯一一家持牌消费金融机构，中原消费金融在中原银行党委的坚强领导下，紧扣"大力提振消费"的 政策导向，以"补贴让利+场景融合"双轮驱动，将金融活水精准注入消费市场，让"愿消费、敢消费、能消 费"成为现实。 补贴让利 引燃"双十一"消费热情 今年5月7日，国新办新闻发布会围绕"一揽子金融政策支持稳市场稳预期"提出多项细化措施，为消费金融行 业发展指明方向。 今年"双十一"消费旺季，中原消费金融将电商节日氛围与"周三礼遇日"IP深度融合，创新推出"双十一狂欢 节"主题活动。活动期间，用户通过完成指定 ...

为认真贯彻省市行信贷业务发展战略，响应地方产业升级战略，助力科技产业园区建设，工行枣庄滕州 支行以服务实体经济、解决企业融资痛点为导向，通过精准对接、高效审批、严控风险、价值深挖四项 举措，于2025年9月29日成功向山东悦城投资运营有限公司投放贷款3003万元，专项用于滕发科技产业 园一期项目建设，以金融之力赋能区域产业高质量发展。 精准对接，聚焦产业项目融资需求。工行枣庄滕州支行立足区域产业发展规划，主动对接企业金融需 求，组织专业团队深入企业及项目现场，全面摸排企业经营情况、项目建设规划及资金需求特点，建立 项目跟踪机制。 高效审批，构建放款"加速度"机制。工行枣庄滕州支行推行"一站式"审批服务。对企业提交的业务资料 进行高效审核，同时与市分行信贷审批部门建立"线上直连+线下联动"的快速审批通道。 严控风险，强化信贷专业研判。该行信贷团队系统梳理项目建设流程、市场前景及还款来源，从项目可 行性、企业偿债能力等多维度开展专业评估。 价值深挖，深化银企长效合作。贷款投放后，工行枣庄滕州支行持续跟踪企业资金使用与建设动态，定 期上门提供金融服务、融资结构优化等增值服务。 下一步，工行枣庄滕州支行将持续聚焦区域 ...

Core Viewpoint - The article emphasizes the importance of enhancing financial service efficiency to achieve the "15th Five-Year Plan" strategic goals, highlighting the need for deepening financial system reforms and improving support for the real economy [3][5][7]. Group 1: Financial Role in Economic Development - The "15th Five-Year Plan" is a critical period for achieving socialist modernization and promoting high-quality financial development [5][6]. - Financial services must play a key role in supporting technological innovation and the development of new productive forces, requiring better resource allocation in capital markets [7][8]. - The financial system needs to continue reforms to address structural contradictions in funding and project financing, ensuring effective capital conversion [4][8]. Group 2: Achievements During the "14th Five-Year Plan" - Significant progress was made in the financial system, including improvements in the financial institutional framework and market scale, with China becoming the world's largest credit market by September 2025 [9][10]. - The direct financing ratio increased to 31.6%, and the asset management scale of various institutions grew by 35% compared to the end of 2020 [9][10]. - Financial institutions have enhanced their service capabilities, particularly in supporting technological innovation and green transformation [11][12]. Group 3: Five Breakthroughs for the "15th Five-Year Plan" - The article outlines five key breakthroughs needed to enhance financial service efficiency: building a national credit market, improving service capabilities for new factors, enhancing services for new industries and business models, increasing overall service adaptability, and forming a correct understanding of financial services for the real economy [13][14][17]. Group 4: Building a National Credit Market - A national credit market is essential for the financial system and the unified market, requiring improvements in credit data collection and sharing [14][15]. - Financial institutions need to enhance their credit rating and assessment capabilities to better support small and medium-sized enterprises [16][17]. Group 5: Enhancing Services for New Factors - Financial institutions must adapt to the shift towards new asset forms, such as data and technology, and improve their service capabilities accordingly [17][18]. - There is a need for a comprehensive valuation system for new asset types, focusing on technology and data-driven industries [19][20]. Group 6: Adapting to New Industries and Business Models - The financial sector must innovate its service offerings to meet the demands of new consumption patterns and technological advancements [20][21]. - Financial institutions should focus on providing integrated financial services that align with the characteristics of new industries and business models [22][23]. Group 7: Overall Service Integration and Adaptability - Financial products need to be more integrated and adaptable to meet the diverse needs of enterprises, particularly in terms of financing options [22][23]. - Collaboration among financial institutions is essential to create a more cohesive service environment that supports various financing needs [23][24]. Group 8: Correct Understanding of Financial Services - There is a need for a correct understanding of the relationship between finance and the real economy, emphasizing that finance should serve the real economy effectively [24][25]. - Financial institutions must balance profitability with their role in supporting national strategic goals and local economic needs [24].

Core Viewpoint - Dalian Commodity Exchange (DCE) focuses on serving the real economy through innovation and technology, enhancing risk management services for high-quality economic development [1] Group 1: "Yin Qi Bao" Project - DCE launched the "Yin Qi Bao" project to address financing difficulties for farmers during spring planting and autumn harvest, providing a comprehensive risk solution covering the entire cycle of planting, harvesting, and selling [2] - The project has expanded to cover crops like soybeans and corn nationwide, with 25 projects established by September 2023, involving 1.2709 million acres and insurance premiums of 72.8608 million yuan [2] - Beneficiaries like Li Fuqiang reported significant financial benefits, including a 451,000 yuan payout and a 300,000 yuan loan at favorable rates, demonstrating the project's effectiveness in risk management [3] Group 2: "Qi Zhuan Xian" Business - DCE optimized its "Qi Zhuan Xian" (futures-to-spot) business to better meet industry needs, allowing for more flexible trading methods and expanding application scenarios [4] - The upgraded model has led to a significant increase in transaction volume, with 364,000 contracts traded from January to September 2025, a 3.7-fold increase year-on-year, covering 3.92 million tons and 14.6 billion yuan [4] - The integration of the "Qi Zhuan Xian" platform with the ethylene glycol delivery warehouse system facilitates efficient commodity circulation across the national market [5] Group 3: Temperature Index Application - DCE has developed a temperature index to mitigate agricultural risks due to climate change, collaborating with the China Meteorological Administration since 2002 [6] - Projects utilizing the temperature index, such as the "Cold Lake Index Insurance + Derivatives" in Hubei, achieved high payout rates, demonstrating the effectiveness of this risk management approach [6] - The application of the temperature index has led to increased financing for farmers and enhanced agricultural standardization, contributing to rural revitalization [6] Group 4: Digital Warehouse System - DCE is implementing a digital warehouse system to enhance the delivery ecosystem, promoting electronic processes and intelligent services in the futures market [7] - The system allows for online management of warehouse data and real-time monitoring, significantly improving operational efficiency and reducing costs for small and medium enterprises [7] - This digital transformation serves as a model for regulatory practices and can be replicated across other financial infrastructures [7] Group 5: Strategic Alignment - DCE's innovations align with national strategic needs, focusing on rural revitalization, risk prevention, digital transformation, and contributing to the construction of a unified national market [8] - The exchange aims to continue integrating its services with national strategies to support high-quality economic development through practical innovations [8]

Core Viewpoint - The 2025 Securities Industry High-Quality Development Conference highlighted the achievements of Everbright Securities, which received multiple awards for its growth and investment banking team, reflecting its commitment to serving the real economy and aligning with national strategies [1][2]. Group 1: Awards and Recognition - Everbright Securities won the "Golden Bull Growth Securities Company" and "Golden Bull Growth Investment Banking Team" awards at the conference [1]. - Everbright Securities' subsidiary, Everbright Asset Management, received the "2025 Annual Golden Bull Securities Collective Asset Manager" award, with two of its products recognized for excellence in mixed bond asset management [1]. Group 2: Strategic Focus and Development - In 2023, Everbright Securities has focused on implementing the spirit of the Central Financial Work Conference and the Central Economic Work Conference, emphasizing strategic positioning and business transformation [1]. - The company aims to integrate its development with national strategic goals by enhancing its roles as a direct financing service provider, capital market gatekeeper, and social wealth manager [1]. Group 3: Future Direction - Everbright Securities plans to align its actions with the spirit of the 20th National Congress of the Communist Party, focusing on risk management, reform, innovation, and corporate governance to support the construction of a modern industrial system and social services [2].