Core Viewpoint - The company aims to lead high-quality development by focusing on three main tasks: serving the real economy, preventing financial risks, and deepening financial reforms [1] Group 1: Business Strategy - In 2025, the company plans to optimize its business structure and innovate service models while actively engaging in five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1] - The company emphasizes its responsibility and commitment to serving national strategic initiatives [1] Group 2: Future Development - In 2026, the company will promote the transformation and development of its trust business, contributing to the construction of a strong financial nation through its own high-quality development [1]

就在王力宏成都演唱会上，6名人形机器人以高难度"韦伯斯特"空翻惊艳全球前不久，笔者刚刚在北京 一家银行的数字金融主题发布会上，近距离目睹了一次具身智能"出洋相"——在一位银行高管亲自主持 和隆重的介绍中，一个嵌入银行元素的人形机器人出场，但刚走几步还没和观众打完招呼就踉踉跄跄跌 倒在地，"皮肤"在"抽搐"中摔掉几块。 令人意外的是，现场观众并未哗然起哄，反而回以善意的笑声和鼓励的掌声，这份包容恰恰成了这次小 意外里最温暖的注脚。 笔者想，其中有对AI+应用的启发，也有对银行这类在大众心中印象比较固化的"传统派"积极拥抱新事 物的映射。回望2025年，新形势带来的机遇层出不穷，但各种考验似乎也更为苛刻，AI的飞速演进只 是其中之一。那些宏大的话题勾勒着经济社会运行的轮廓，也折叠着无数个体的应对之策——迎变、应 变与求变，这是他们也是笔者和团队同事的关键词；是今年的关键词，想必未来还会持续很长一段时 间。 变局是宏大的，也是具体的 当我们越来越多地讨论宏大叙事，可能也意味着要多放一些目光到具体的人和事上。在诸多变化都在发 生的2025年，这种感觉在采访中比以往更为强烈。 笔者从采访对象的身上看到，一些积极的信号在 ...

Core Viewpoint - The article emphasizes the importance of financial culture in driving the healthy development of the economy, highlighting HuLong Securities' commitment to social welfare, customer wealth creation, shareholder returns, and employee value realization [1] Group 1: Financial Services and Innovation - HuLong Securities focuses on serving the real economy, particularly in the technology innovation sector, by participating in initiatives like the "Yuruyi Plan" in Gansu Province, investing over 1.3 billion yuan in advanced manufacturing and biomedicine through various financial instruments [1] - The company has successfully assisted in the listing of cloud-based technology companies on the Beijing Stock Exchange and has issued innovation bonds and established industry funds to support local tech enterprises [1] Group 2: Green Finance - HuLong Securities integrates the concept of "green mountains and clear waters are invaluable assets" with a prudent financial culture, supporting regional green transformation [2] - The company acted as a financial advisor in the major asset restructuring of Gansu Energy, completing a 7.6 billion yuan asset transfer and 1.9 billion yuan financing, facilitating its transition to a comprehensive energy company [2] Group 3: Inclusive Finance - The company emphasizes its commitment to inclusive finance as a means to enhance social welfare, empowering small and micro enterprises through diverse channels and innovative educational models [2] - HuLong Securities has invested over 7.5 million yuan in support initiatives for regions like Gannan and Tianshui, and its team won second place in a national investor rights knowledge competition [2] Group 4: Pension Finance - In response to societal aging demands, HuLong Securities has initiated a fund for the development of the pension service industry, investing 450 million yuan to support the construction of the pension system [3] - The company has introduced financial products tailored for elderly needs and developed a comprehensive pension finance service system, including educational initiatives for seniors [3] Group 5: Digital Finance - HuLong Securities embraces digital transformation while maintaining compliance, enhancing service efficiency through initiatives like "one machine handles all" and local deployment of financial AI models [3] - The company applies cutting-edge technology in risk management and investment decision-making, ensuring high-quality development while adhering to risk management principles [3] Group 6: Future Outlook - Looking ahead, HuLong Securities aims to uphold the banner of Chinese financial culture, focusing on compliance, integrity, professionalism, and win-win cooperation, while enhancing service capabilities to support the real economy [4] - The company is committed to preventing systemic risks and contributing to the modernization of Gansu Province through its financial initiatives [4]

江南时报讯 12月27日下午，响水农商银行组织召开2025年农村普惠金融服务点工作总结表彰会。网络 金融部相关人员与全辖各便民点服务商户代表共同参会，总结年度工作成果，表彰先进典型，共绘普惠 金融服务新篇章。 会议首先对2025年度全行金融便民服务点的整体运行情况进行了全面回顾与通报。一年来，各便民点扎 根城乡、服务基层，在提升基础金融服务覆盖率、便利居民日常金融需求、推广普惠金融产品等方面发 挥了重要作用，切实成为打通金融服务"最后一公里"的关键纽带。 为持续提升服务质效、规范业务操作，会议紧接着开展了专题业务培训。培训围绕便民点日常服务流 程、风险防范要点、最新业务政策等内容进行细致讲解，并进一步明确了服务边界与禁止办理事项，强 化合规意识与操作规范，确保便民服务在安全、高效的轨道上稳健运行。 会议对2025年度表现突出、深受群众信赖的优质便民服务商户进行了表彰，肯定他们在提供便捷服务、 传播金融知识、践行社会责任方面的贡献。为增添活动氛围，现场还设置了抽奖环节，与会商户积极参 与，将大会气氛推向高潮。 未来，响水农商银行将继续深化金融便民服务点建设，加大对服务点的支持与培训力度，携手广大商户 共同构建更 ...

央广网北京12月30日消息（记者 樊瑞）12月27日至28日，中国财富管理50人论坛2025年会在北京召开。中国财富管理50人论坛理事长、原银监会主席、证 监会原主席尚福林表示，回望"十四五"时期，我国金融业实现了规模增长与质量提升的历史性跨越，为金融强国建设奠定了坚实基础。迈向"十五五"，加快 建设金融强国，是质的有效提升和量的合理增长有机统一，是综合性、系统性、引领性的跃升。他指出，"十五五"时期加快金融强国建设需聚焦四大核心内 涵。 "十四五"期间金融业实现历史性跨越 尚福林表示，"十四五"的五年，金融领域始终坚守服务实体经济的本源，总量合理增长，质效持续提升。信贷结构持续优化，金融支持科技创新、绿色转型 等重点领域的力度不断加大；资本市场改革不断推进，多层次、广覆盖的市场体系更加完备；金融开放稳步扩大，上海国际金融中心能级持续提升，人民币 国际化不断深化；金融风险防范化解取得显著成效，守住了不发生系统性风险的底线。这些成就为"十五五"时期实现金融由大到强的跨越积累了宝贵经验。 第一，更加聚焦金融服务实体经济的根本宗旨，努力做好金融"五篇大文章"。金融强国建设的根基在于实体经济，必须优化金融资源配置，更 ...

Core Insights - CITIC Baixin Bank received the "Outstanding Social Responsibility Award" at the "Qihang·2025 Financial Annual Conference" for its innovative practices in promoting inclusive finance, recognizing its commitment to social responsibility and support for small and micro enterprises [1] Group 1: Public Welfare Promotion - The project "Seeing a Hundred Directions of Confidence" has focused on five typical small and micro enterprises in sectors such as catering, consumption, and technology innovation, generating over ten million exposures through various promotional activities [2] - The stories and promotional videos of these enterprises have gained significant attention and coverage from major media outlets, enhancing the visibility of small and micro businesses [2] - CITIC Baixin Bank initiated a recruitment plan for the inclusive finance brand promotion, encouraging more small business owners to participate and support business growth [2] Group 2: Policy Support and Product Services - CITIC Baixin Bank has launched the "Entrepreneurial Guarantee Loan" product, supported by government subsidies, to address the common financing challenges faced by small and micro enterprises [3] - The bank has introduced a fully online, unsecured "Business Loan" product, leveraging digital capabilities to streamline the application process and improve approval efficiency to a matter of minutes [3] Group 3: Technological Empowerment in Financial Services - The bank has developed the "Bailian System," a digital solution for small and micro enterprises, which utilizes digital credit and integrates multiple data sources to create a dynamic operational profile for businesses [4] - The automated operations of the system have improved overall approval efficiency by approximately 65%, with some scenarios allowing for funding within minutes [4] - The system dynamically adjusts credit limits and interest rates based on real-time business performance, enhancing the accessibility of inclusive financial services for small and micro enterprises [4]

作为国内领先的融资租赁企业，海尔融资租赁积极响应国家"做好普惠金融大文章"的号召，重点布局智 能制造、医疗健康、教育文化、农牧食品等领域，致力于为中小微企业提供专业化、定制化的综合金融 解决方案，助力企业突破发展瓶颈，推动普惠金融服务增量、扩面。 转自：新华财经 中小微企业是国民经济的重要基石，尤其在新兴产业中，它们以敏捷的反应能力和持续的创新活力，成 为推动经济高质量发展的关键力量。然而，融资难、融资贵始终是制约其成长壮大的突出瓶颈。在传统 信贷模式之外，以"融资+融物"为特色的融资租赁，因其灵活、贴合企业实际需求的特点，正日益成为 服务中小微企业、践行普惠金融的重要生力军。 这一企业服务的案例，只是海尔融资租赁服务万千中小微企业的一个缩影。自成立以来，海尔融资租赁 始终坚持将中小微企业作为重点服务客群，聚焦新材料、先进制造、电子信息、生物医药等战略新兴产 业和未来产业，围绕中小微企业设备更新核心需求，有效推动企业设备迭代与产业结构优化。截至2025 年上半年，公司累计服务小微企业4121家，投放金额超过98亿元。 坚守数字化创新路径，以科技赋能提升普惠金融服务质效 在普惠金融的实践中，如何优化服务效率、降 ...

为精准破解企业及经销商痛点，该行组建专项服务团队，多次深入企业生产车间、产业链合作现场开展 调研，与企业财务、采购等部门深度对接，全面梳理经销商融资难、融资贵等突出问题。业务推进过程 中，该行创建"专属沟通群+实时对接+快速响应+闭环推进"工作机制，高效破解沟通壁垒与技术适配难 题，以专业高效的服务保障业务如期投产，生动践行了中信银行"以客户为中心"的服务理念，用实际行 动诠释了金融国企的社会责任。 来源：环球网 近日，中信银行郑州分行"心连心化肥场景贷"业务落地，该业务以场景化金融创新为农业产业链发展注 入金融"活水"，彰显了该行服务实体经济、做好普惠金融大文章的责任担当。 心连心集团作为农业领域的"国家队"、国家级"绿色工厂"，既是保障国家粮食安全的核心力量，也是推 动化肥行业科技升级、绿色转型的领军企业，其上下游经销商的资金周转效率直接关系到农业生产物资 供应稳定性。 据悉，"心连心化肥场景贷"的成功上线有效缓解了心连心集团经销商融资难题，降低了融资成本，为其 备肥备货、扩大经营提供了坚实资金支持，间接保障了农业生产物资稳定供应。 中信银行郑州分行在重点产业集群中深耕细作，从"产品驱动"升级为"场景化生 ...

Core Viewpoint - Shanghai Lufax Information Technology Co., Ltd. (Lufax) has been awarded the "Golden Horse Outstanding Institution for Serving the Real Economy" for its contributions to empowering small and micro enterprises through innovative financial services [2] Group 1: Financial Services Innovation - Lufax has upgraded its financing service brand to "Ping An Rongyi," focusing on the needs of small business owners and individual operators, utilizing a "technology + finance" dual-drive model to stimulate the real economy [2] - The company has implemented a "people + enterprise" risk control concept to create a comprehensive financing lifecycle management solution for small and micro enterprises, enhancing credit asset utilization and aligning financial services with industrial transformation [2] Group 2: Inclusive Finance and Digital Financial Services - Lufax has adopted a "three savings" service philosophy (saving worry, time, and money) and is driving its services through a dual-engine model of "micro financing + consumer finance," significantly improving accessibility and convenience of financial services [3] - By the end of Q3 2025, 13.68 million customers have received timely financing services from Ping An Rongyi [3] - The company is advancing its "AI in All" strategy, leveraging AI and big data to create a diverse intelligent service matrix, resulting in a 2.5 times increase in per capita productivity and a 75% improvement in review efficiency [3] Group 3: Green Development and Social Responsibility - Lufax is committed to the national "dual carbon" goals and has launched a "green finance +" action plan to support the development of green industries, including special financing solutions for electric vehicles [4] - The company has partnered with the China Women's Development Foundation to promote the "@Her Entrepreneurship Program," assisting over 2,500 rural women in developing unique industries, thereby activating rural economic vitality [4] - Lufax plans to continue focusing on key areas such as rural revitalization, green development, and technological innovation, aiming to contribute to high-quality financial development and the construction of a financially strong nation [4]

Core Viewpoint - The Postal Savings Bank of China's Luoyang branch has been actively promoting the "Sunshine Credit" initiative since 2025 to enhance transparency in financial services and build public trust in credit operations [1][2] Group 1: Promotion Activities - The bank has implemented a multi-dimensional promotional model by engaging with business circles, enterprises, and service points to ensure comprehensive outreach [1] - A three-in-one promotional matrix has been established, centered around the bank's service points, incorporating "service points + halls + counters" [1] - The bank has set up thematic posters and animated videos in service points to visually present the entire credit application, approval, and disbursement process, making it easier for customers to understand the "Sunshine Credit" services [1] Group 2: Public Engagement and Transparency - The bank has proactively disclosed supervision and reporting channels, encouraging public participation in oversight to foster a community governance atmosphere [1] - Staff members distribute "Sunshine Credit Supervision Cards" to customers, providing detailed one-on-one explanations of loan application conditions, processes, and interest rate policies to ensure clear understanding of credit services [1] - The promotional activities have significantly increased awareness and transparency of the bank's credit services, demonstrating its commitment to inclusive finance and public service [2] Group 3: Economic Impact - The "Sunshine Credit" initiative is expected to promote more transparent, efficient, and secure financial services, thereby providing stronger financial support for the high-quality economic development of Luoyang City [2]