Core Insights - Jiujiang Bank's Guangzhou branch is transforming consumer experiences through tailored financial services for various demographics, including entrepreneurs, farmers, and the elderly [2][5][8] - The bank is actively promoting inclusive finance by enhancing support for small and micro enterprises, utilizing local policies to provide financial assistance [5][6] - Innovative loan products like "Rural Talent Loan" are designed to meet the specific funding needs of farmers, contributing to agricultural development [6][7] Financial Services for Different Demographics - The bank offers entrepreneurial guarantee loans to support dreamers and provides agricultural loans to enhance local farming [2][5] - Special services for the elderly include a "green channel" for easier access to banking services, with user-friendly technology adaptations [8] - Young consumers benefit from various discounts and promotions, such as reduced prices on groceries and entertainment through credit card usage [8][9] Agricultural and Rural Development - Jiujiang Bank is focusing on rural financial innovation, collaborating with local agricultural departments to support farmers with tailored financial products [6][7] - As of May 2025, the bank has provided significant loan support to farmers, enhancing their production capabilities and contributing to local economic growth [6][7] Consumer Engagement and Partnerships - The bank's consumer service initiatives have successfully integrated with over 1,000 local merchants, enhancing customer engagement through discounts and promotions [9] - Partnerships with local businesses like Pupu Supermarket and Qian Dama have improved online payment convenience and broadened consumer access to financial services [9]

国内新闻： 1. 国家金融监管总局、央行联合发布《银行业保险业普惠金融高质量发展实施方案》。方案明确，未来 五年基本建成高质量综合普惠金融体系。 2. 国办印发《关于进一步完善信用修复制度的实施方案》。方案提出，统一信用信息公示平台，完善失 信信息分类标准，明确信用修复申请渠道。 金十数据整理：6月26日欧盘美盘重要新闻汇总 8. 神舟二十号航天员乘组圆满完成第二次出舱活动。 国际新闻： 1. 印度官员：印度和美国贸易谈判陷入僵局。 2. 欧盟认为美袭击前伊朗转移了浓缩铀。 3. 美国5年/30年期收益率差突破101个基点，为2021年以来最陡。 4. 美国5月商品贸易逆差意外扩大，出口创疫情以来最大降幅；第一季度GDP下修。 3. 中办、国办发布《关于全面推进江河保护治理的意见》。 4. 上交所召开落实科创板"1+6"政策保荐机构座谈会。 5. 小米正式发布其首款SUV汽车小米YU7，售价25.35万元起，Pro版27.99万元，Max版32.99万元；首款 AI眼镜发布，定价1999元起。 6. 2025年基本医保目录及商保创新药目录调整申报操作指南出炉，首度纳入商保创新药目录。 7. 我国自主研发的新一 ...

6月26日，金融监管总局、中国人民银行联合发布了《银行业保险业普惠金融高质量发展实施方案》 （以下简称《方案》）。 《方案》明确未来5年要基本建成高质量综合普惠金融体系，同时从普惠金融服务、普惠信贷、普惠保 险三个方面提出具体政策举措。 金融监管总局有关司局负责人表示，优化普惠金融服务体系、巩固提升普惠信贷体系和能力、加强普惠 保险体系建设是《方案》提出的3项重点工作任务。其中，在普惠信贷方面，《方案》明确，要完善普 惠信贷管理体系、提升小微企业信贷服务质效、加强"三农"领域信贷供给、加大脱贫地区和特定群体信 贷帮扶力度、强化民营企业信贷支持。 除了普惠信贷，本次《方案》还强调要坚持综合服务，也即要建立健全涵盖普惠金融服务、普惠信贷、 普惠保险的综合普惠金融体系。 作为普惠金融的重要组成部分，普惠保险近年来在更广范围内被关注到。去年6月，金融监管总局发布 了《关于推进普惠保险高质量发展的指导意见》，提出要围绕保障民生、服务社会，努力为广大人民群 众提供广泛覆盖、公平可得、保费合理、保障有效的保险服务。 中国人民大学中国普惠金融研究院院长贝多广等人日前测算了普惠保险的市场增长潜力，数据显示，预 计到2030年， ...

Core Viewpoint - The article emphasizes the importance of boosting consumption and investment efficiency to expand domestic demand, with a focus on various consumer segments and financial support initiatives by China Merchants Bank's Guangzhou branch [2]. Group 1: Consumer Support Initiatives - China Merchants Bank Guangzhou branch is enhancing personal consumption loan products to meet the needs of consumers, particularly in large purchases like automobiles and home appliances [3]. - The "Lightning Loan" product offers features such as instant approval and flexible repayment, aimed at reducing financing costs for consumers [3]. - The bank is actively promoting the "Lightning Loan·Renewal Plan" to support appliance replacement and home upgrades, alongside various consumer discounts and payment incentives [3]. Group 2: Support for Small and Micro Enterprises - The bank is increasing its services to small and micro enterprises, providing financing solutions through a comprehensive supply chain financial service system [4]. - Products like "Zhaolian Yidai" and "Jingxiao Yidai" are designed to support upstream and downstream enterprises, enhancing their access to financing [4]. - The bank is leveraging data-driven financing solutions to address the challenges faced by small and micro enterprises in securing funds [4]. Group 3: Elderly Financial Services - The bank is developing a pension financial brand to cater to the aging population, focusing on high-quality service paths for elderly clients [5]. - It offers a full-process service for the third pillar of personal pension systems, with a notable number of clients and contributions in the region [5]. - The bank has completed the renovation of 77 branches to improve accessibility for elderly customers, including home service mechanisms for those with mobility issues [5]. Group 4: Future Directions - The bank plans to continue enhancing inclusive financial services to support consumer upgrades, small enterprise growth, and the well-being of new urban residents [6].

6月26日，金融监管总局、中国人民银行联合发布了《银行业保险业普惠金融高质量发展实施方案》（以 下简称《方案》）。 《方案》明确未来5年要基本建成高质量综合普惠金融体系，同时从普惠金融服务、普惠信贷、普惠保险三个 方面提出具体政策举措。 金融监管总局有关司局负责人表示，优化普惠金融服务体系、巩固提升普惠信贷体系和能力、加强普惠保险体 系建设是《方案》提出的3项重点工作任务。其中，在普惠信贷方面，《方案》明确，要完善普惠信贷管理体 系、提升小微企业信贷服务质效、加强"三农"领域信贷供给、加大脱贫地区和特定群体信贷帮扶力度、强化 民营企业信贷支持。 值得注意的是，本次《方案》在普惠金融相关政策中新增了强化民营企业支持力度的相关安排。前述负责人表 示，这是《方案》守正创新的具体体现，即在对过往实践中行之有效的经验做法进行提炼、强调的同时，适应 国家经济社会形势变化针对性提出新要求。 中国人民大学中国普惠金融研究院院长贝多广等人日前测算了普惠保险的市场增长潜力，数据显示，预计到 2030年，中国保险市场总规模将超7万亿元，年均复合增长率为6.4%；其中，普惠保险保费规模预计可达 9300亿元，年均增长率可达17.1% ...

Group 1: New Stock Offerings - Yitang Co., Ltd. has a new stock offering with the subscription code 787729, an issue price of 8.45 yuan per share, and a subscription limit of 41,000 shares [1] Group 2: Government Policies and Initiatives - The State Council issued a plan to improve the credit repair system, focusing on ten aspects including standardizing credit information disclosure and simplifying application materials [2] - The Central Committee and State Council released opinions on river protection and governance, aiming for a modern flood prevention system by 2035 and improved ecological quality [2] - The National Development and Reform Commission announced the third batch of funds for the old-for-new consumption policy to be released in July [3] - The Ministry of Commerce emphasized the importance of maintaining global supply chain stability regarding rare earth export approvals [3] - The Financial Regulatory Authority and the People's Bank of China released a plan for the high-quality development of inclusive finance over the next five years [3] Group 3: Company News - Alibaba Group reported a revenue of 996.347 billion yuan for the fiscal year 2025, with a net profit increase of 77% to 125.976 billion yuan [5] - North Navigation reported normal operating conditions with no significant changes in its main business [6] - Silver Seat Co., Ltd. noted that sales from Bubble Mart products account for less than 0.02% of its revenue [6] - The controlling shareholder of Songyang Resources is planning a change in control, leading to a stock suspension starting June 27 [6] - Asia-Pacific Co., Ltd. received a project for brake calipers and EPB with a total sales amount of approximately 640 million yuan [7] - BlueFocus Communication Group has submitted an application for H-share issuance and listing in Hong Kong [7]

Group 1 - The People's Bank of China conducted a 7-day reverse repurchase operation of 509.3 billion yuan at an interest rate of 1.40%, maintaining the previous rate, resulting in a net injection of 305.8 billion yuan after 203.5 billion yuan of reverse repos matured on the same day [1][12]. - The Shanghai Interbank Offered Rate (Shibor) showed slight fluctuations, with the overnight Shibor decreasing by 0.10 basis points to 1.3700%, the 7-day Shibor also down by 0.10 basis points to 1.6700%, while the 14-day Shibor increased by 1.40 basis points to 1.7360% [1][2][3]. - In the interbank pledged repo market, the 14-day rate continued to rise, with R007 and R014 rates showing an inversion. The weighted average rates for DR001 and R001 decreased slightly, while DR007 and R007 saw mixed movements with DR007 down by 0.9 basis points and R007 up by 6.0 basis points [4][9]. Group 2 - The overall funding situation on June 26 was balanced, with significant credit differentiation. The rates for pledged deposits and commercial credit showed a range of 1.52% to 2.10%, indicating a slight easing in the market towards the end of the trading day [9][10]. - A total of 51 interbank certificates of deposit were issued on June 26, with an actual issuance volume of 42.74 billion yuan. The market sentiment was generally positive, although the total transaction volume remained limited due to fewer issuing institutions [10][12]. - The recent joint announcement by the Financial Regulatory Bureau and the People's Bank of China outlined a plan for the high-quality development of inclusive finance, aiming to establish a comprehensive inclusive financial system over the next five years [12].

Group 1 - The core viewpoint of the articles highlights the efforts of the Bank of China Sichuan Branch in enhancing financial services for private enterprises in Sichuan, leading to a loan growth rate exceeding 23% for private enterprises [1][2] - The bank has introduced a series of financial products and services aimed at addressing the financing challenges faced by private enterprises, including a customized financial service plan for a Xiaomi store that secured a loan of 10 million yuan [2][3] - The Sichuan Branch has provided significant financial support to key projects, such as approving over 1.1 billion yuan in loans for Geely's commercial vehicle company since 2018, with 30 million yuan disbursed in 2024 alone [2][3] Group 2 - The bank has actively facilitated the implementation of national policies, such as the integration of cross-border currency pools, benefiting local enterprises by expediting the process of policy access and funding management [3] - For small and micro enterprises, the bank has launched the "Tianfu Foreign Trade Loan," which provides low-cost and efficient credit support, exemplified by a 2 million yuan credit approval for an import-export company within two days [3][4] - The bank has also focused on agricultural financing, creating tailored loan products like the "Supply and Marketing Technology Planting Loan," which can reach up to 3.5 million yuan to alleviate funding pressures for farmers [3][4]

"小保单"托举民生"大保障"。在国家大力推进普惠金融与消费升级的战略背景下，在粤港澳大湾区建设 纵深推进的关键阶段，国务院《关于做好金融"五篇大文章"的指导意见》犹如及时春雨，为金融业服务 实体经济、服务百姓民生指明方向。普惠保险作为普惠金融的重要构成部分，正以其独特的保障功能和 社会价值，为增进民生福祉、提升保障水平、服务高质量发展注入强劲动能。 近年来，中国人寿保险股份有限公司（以下简称"中国人寿寿险公司"）始终践行"金融为民"初心，充分 发挥综合金融优势与业务协同效应，以"一个国寿 一生守护"为理念，创新构建多层次医疗保障"广东模 式"，努力打造破解民生保障难题的"国寿样本"。 守护全生命周期，构建普惠金融服务体系 金融是国民经济的血脉，关系中国式现代化建设全局。作为我国普惠金融的重要组成部分，发展普惠保 险是践行金融工作政治性、人民性的必然要求，是服务中国式现代化建设的重要任务，亦是保险业高质 量发展的内在需要。中国人寿始终践行"国之大者"的使命担当，以创新为驱动，构建起覆盖全生命周期 的普惠金融服务体系。 从广州"穗岁康"到珠海"大爱无疆"，从江门"邑康保"到佛山"佛医保"、中山"博爱康"..... ...

在加强普惠保险体系建设方面，实施方案要求，推进保险公司专业化体制机制建设；丰富普惠保险 产品供给，推动农业保险持续"扩面、增品、提标"，开发推广适应小微企业需求的财产保险、责任保 险、出口信用保险等产品，推动保险公司加大对农民健康保险、养老保险、意外伤害保险、人寿保险等 人身保险产品供给；提供优质普惠保险服务，探索对普惠保险产品的精算回溯；强化普惠保险监管政策 引领，研究将普惠保险发展情况纳入保险公司监管评价体系。 此外，实施方案要求，各级金融管理部门和银行保险机构要抓好组织协调、强化队伍建设、增强数 字赋能、做好宣传引导、加强上下联动，为实施方案落地落实提供有力组织保障。 新华社北京6月26日电（记者张千千、李延霞）国家金融监督管理总局、中国人民银行26日对外发 布《银行业保险业普惠金融高质量发展实施方案》明确，未来五年基本建成高质量综合普惠金融体系， 并提出16条具体措施。 实施方案提出，优化普惠金融服务体系。健全多层次、广覆盖、差异化的普惠金融机构体系。完善 县乡村金融服务，提升县域金融服务水平，巩固基础金融服务的覆盖面和保障能力。 在巩固提升普惠信贷体系和能力方面，实施方案要求，一是完善普惠信贷管理体 ...