在嘉兴这座充满活力的城市，个体工商户遍布餐饮、零售、种植、商贸等多个民生领域。他们不仅是激 活市场微循环的"毛细血管"，更是充盈城市烟火气、支撑地方经济稳健发展的重要力量。作为扎根地方 的金融力量，宁波银行嘉兴分行紧扣个体工商户经营实际，通过产品创新与服务升级，持续提升金融服 务的主动性、便捷性与创新性，助力嘉兴商气更旺、人气更足、烟火气更浓。 精准滴灌，破解传统融资困局 聚焦个体工商户"轻资产、缺抵押"的融资堵点，宁波银行推出"容易贷"纯信用信贷产品，打破传统信贷 模式下对抵押物的过度依赖，让众多信用良好的经营者能便捷获得"源头活水"。同时，围绕个体工商 户"短、小、频、急"的融资特点，宁波银行利用大数据审批和数字化服务流程，提高业务线上化水平， 简化业务办理流程，切实提升融资落地时效。 线上，宁波银行依托自有"美好生活"综合服务平台，为个体工商户提供产品展示与销售渠道，助力商户 拓宽客源；线下，常态化开展员工内购会与社区集市活动，为商户搭建直面消费者的线下场景，激活本 地消费潜力。南湖区凤桥镇的一位葡萄种植户，今年就真切感受到了这份特别的金融支持。当他种植的 阳光玫瑰葡萄遭遇滞销之时，宁波银行嘉兴分行迅速 ...

Core Viewpoint - The article emphasizes the commitment of China Everbright Bank to support the national strategy and promote high-quality development during the "14th Five-Year Plan" period, focusing on serving the real economy and enhancing financial services in key areas such as technology innovation, green transformation, and common prosperity [1][2][19]. Group 1: Support for the Real Economy - China Everbright Bank has positioned itself as a key player in financing the real economy, focusing on major national strategies and improving the welfare of the public [2][19]. - The bank has provided financial services to over 300 national key projects, with significant credit support in areas like "new infrastructure" and regional development [2][3]. - The bank has issued over 200 billion yuan in loans for modern transportation systems, including significant support for the Beijing-Shanghai High-Speed Railway project [3]. Group 2: Green Finance Initiatives - The bank has integrated green finance into its development strategy, supporting sectors like green buildings and energy transition, with a green loan balance of 456.61 billion yuan, reflecting a growth of 333.50% during the "14th Five-Year Plan" [4]. - Innovative products such as carbon finance and sustainable loans have been developed to promote environmental sustainability [4]. Group 3: Financial Inclusion and Support for SMEs - China Everbright Bank has focused on empowering small and micro enterprises through automated loan products, with a loan balance of 228.62 billion yuan for its online product system [4]. - The bank has served over 20,000 clients in supply chain finance, with a business balance nearing 600 billion yuan, enhancing efficiency in financing [5]. Group 4: Wealth Management Transformation - The bank is transitioning from product sales to wealth management, achieving a retail asset under management (AUM) of over 3 trillion yuan, with a compound annual growth rate exceeding 10% [8][10]. - A comprehensive product system has been established, including over 1,000 wealth management products, catering to diverse customer needs [10][18]. Group 5: Digital Transformation and Technological Innovation - China Everbright Bank has made significant advancements in digital transformation, utilizing big data and AI to enhance service efficiency across various business processes [13][14]. - The bank has implemented a remote financial advisor model, integrating customer data and behavior analytics to improve client engagement [12]. Group 6: Social Responsibility and Community Engagement - The bank has focused on social responsibility, particularly in serving the elderly and rural communities, with initiatives like the "Thousand Sails Plan" for agricultural supply chain finance [19][20]. - Efforts in public welfare include educational support and disaster relief, reinforcing the bank's commitment to social value [20][21]. Group 7: Future Outlook - China Everbright Bank aims to deepen its financial services in key areas, enhancing its capabilities in governance, customer service, and risk management while contributing to national development goals [22].

Core Viewpoint - Agricultural Bank of China Shaanxi Branch actively supports various financial initiatives to enhance economic development in Shaanxi Province, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance [4][5][7][8][11]. Group 1: Technology Finance - Agricultural Bank of China Shaanxi Branch has issued nearly 200 million yuan in loans to a specialized "little giant" enterprise, supporting its technological upgrade projects [5]. - The bank has introduced innovative financial products like "Kejie Loan" and "Torch Innovation Points Loan" to address the unique challenges faced by technology enterprises [5]. - As of November 2025, the number of technology enterprise loan accounts and loan balances increased by 671 accounts and 4.2 billion yuan year-on-year, leading the industry in growth [6]. Group 2: Green Finance - The bank emphasizes green finance to support sustainable economic development, aligning with carbon peak and carbon neutrality goals [7]. - It provided over 10 billion yuan in financing for a leading coal chemical project, setting a historical approval record for the bank [7]. - The bank's green loan balance and growth rate are among the highest in Shaanxi Province, supporting various projects in renewable energy and resource recycling [7]. Group 3: Inclusive Finance - Agricultural Bank of China Shaanxi Branch has implemented nine policy measures to enhance the accessibility and satisfaction of inclusive financial services [8]. - The bank quickly responded to a small aluminum technology company's financial needs by providing a seamless loan renewal process within five days [8]. - The inclusive loan balance increased by 15.6 billion yuan since the beginning of the year, ranking high among peers [8]. Group 4: Pension Finance - The bank is developing a high-quality pension finance service system to address the challenges of an aging population [9]. - It provided 5 million yuan in loans to a well-known health service company to expand its pension service scale [9]. - The bank has established a "Golden Years" service area to cater to elderly clients, enhancing their overall experience [10]. Group 5: Digital Finance - The bank is advancing its digital transformation to create a high-level digital financial service system [11]. - It has launched a smart campus payment system that serves over 1,000 schools, benefiting more than 440,000 students and parents [12]. - The bank introduced a multi-functional credit card that integrates financial services with transportation and daily life, promoting convenience for the public [12].

Group 1 - The core initiative "Ganyin Project" in Xining's Chengxi District focuses on enhancing financial support for enterprises, with a total of 7,260 loans issued amounting to 5.793 billion yuan as of December 9 [1] - The project has evolved through three versions, from broad coverage of inclusive policies to precise services addressing financing difficulties, and now to a model emphasizing ecological empowerment and collaborative development [1] - The integration of a credit system and data sharing has led to the collection of 288 core public credit information data points across 22 categories, facilitating a more efficient financial environment for businesses [1] Group 2 - Chengxi District has pioneered the transformation of data asset value, achieving the first instance in the province of county-level state-owned enterprises registering data assets, thus creating a full-cycle management process for data rights and financing [2] - The establishment of a trusted data space project, utilizing privacy computing and blockchain technology, aims to create a secure and efficient data circulation environment while maximizing data value for financial innovation [2] - The district has successfully launched an online financing channel for government procurement contracts, facilitating the first fully online "government procurement loan" process in the province, providing a new financing pathway for small and micro enterprises [2]

Core Viewpoint - Huishang Bank is transforming its inclusive finance approach into a "quality improvement and efficiency enhancement" 2.0 era through digital and intelligent transformation, addressing traditional financing challenges for small and micro enterprises [1] Group 1: Digital Transformation and Product Innovation - The bank has launched products like "Fund Flow e-Loan" and "Online No-Repayment Renewal Loan for Small Enterprises," utilizing big data and AI to tackle information asymmetry in financing for small businesses [1][5] - As of September 2025, the bank's inclusive loans for small and micro enterprises exceeded 170 billion yuan, supporting over 380,000 businesses, with average interest rates for new loans declining for three consecutive years [3][4] Group 2: Case Study and Implementation - A case study highlights a metal pipe company that received a 5 million yuan "Fund Flow e-Loan" through a comprehensive service process initiated by Huishang Bank, showcasing the bank's proactive approach to client needs [4][6] - The "Fund Flow e-Loan" product integrates data from the national credit information sharing platform, enhancing credit assessment and risk management through a four-dimensional model [5][6] Group 3: Recognition and Impact - Since its launch in June 2025, the "Fund Flow e-Loan" has disbursed over 100 million yuan and received the "New Service New Momentum Pioneer Case" award, establishing Huishang Bank as a benchmark in the industry for addressing financing challenges [7][8] - The bank's initiatives align with national policies aimed at enhancing credit supply to small and micro enterprises, reflecting a shift from being mere fund providers to becoming growth partners [8][9] Group 4: Future Directions - Huishang Bank aims to enhance its digital capabilities, promote comprehensive services, and implement strategic initiatives to support the high-quality development of inclusive finance [9]

Core Viewpoint - The article emphasizes the role of consumer finance in stimulating China's economy, highlighting the importance of supporting new citizens and rural residents through tailored financial services and technology-driven solutions [7][8][10]. Group 1: Company Performance and Impact - The company, Ma Shang Consumer Finance, has paid over 12 billion yuan in taxes and served more than 220 million users, facilitating 958 million transactions with sales exceeding 1 trillion yuan [7]. - The company has specifically targeted nearly 100 million new citizens, helping around 12 million individuals establish their credit records for the first time [8][9]. Group 2: Technological Advancements - Ma Shang Consumer Finance has invested over 6 billion yuan in research and development, applying for more than 2,900 patents and creating over 1,000 core technology systems [11]. - The company has developed an AI model named "Tianjing," which has improved operational efficiency, achieving a 93% accuracy rate in intent understanding and over 90% in automated approvals and self-service interactions [11]. Group 3: Social Responsibility and Employment Support - The company launched a job-matching platform that has successfully connected 910,000 new citizens with employment opportunities, thereby supporting consumer confidence and spending [13]. - The "Fuhuiyang" smart farming project has created over 6,000 jobs and generated nearly 70 million yuan in income for farmers, demonstrating the company's commitment to rural revitalization [14]. Group 4: Financial Security Measures - The company has established a comprehensive consumer rights protection system and formed the first industry alliance for financial security, which has successfully assisted in the prevention of financial crimes [12][16]. - The "Yulei" system has enabled effective data sharing with law enforcement, leading to the arrest of 65 suspects involved in financial fraud [15].

（来源：梅花资本洞察） 作为国内首家民营互联网银行，微众银行自2014年成立便头顶"普惠金融"光环，依托腾讯生态的流量红利，凭一款微粒贷站稳民营银行头部阵营，一度成 为行业内普惠金融的标杆范本。然而，走过十一个发展年头，这家明星银行却交出了一份满是瑕疵的答卷：营收净利双降创下历史首次，合规罚单连年落 地从未间断，不良贷款率持续攀升突破新高，暴力催收的投诉声浪此起彼伏。昔日的普惠初心，正被风控缺位、合规松弛的经营乱象层层掩盖，民营银行 龙头的光环，已然蒙上难以褪去的阴霾。 十一年深耕，微众银行的业务版图始终围绕"普惠"二字铺开，个人端的微粒贷、微车贷，企业端的微众企业+，瞄准的都是传统金融机构覆盖不足的中低 收入人群、偏远地区用户与中小微企业。这类客群的金融需求真实且迫切，也让微众银行收获了规模的快速增长，累计服务超4.3亿个人客户的成绩单， 一度成为其普惠价值的有力佐证。但市场很快发现，这份规模的背后，是风控底线的不断退让，是合规意识的持续淡薄，最终让普惠金融的初心，沦为规 模扩张的幌子。 合规漏洞的持续暴露，是微众银行十一年发展路上最刺眼的底色。自2022年起，监管罚单便与这家银行如影随形，四年时间里，罚单 ...

在业绩表现上，截至2025年三季度，江南农商行实现营业收入99.52亿元，同比下滑2.39%；归母净利润为37.26亿元，同比下滑4.12%。 稳健的业绩表现是进入资本市场的必要前提，然而该行却陷入盈利增速放缓的尴尬局面。 业绩承压之下，江南农商行2024年的人均薪酬高达50.78万元，超越了多家上市农商行，"低增速、高薪酬"的反差是否折射公司治理问题？合规挑战之 下，该行还需几年才能上市？ 12月26日，有着"江苏省最大农商行"之称的江南农商行召开股东会，审议通过了吸收合并江苏启东珠江村镇银行、江苏溧水民丰村镇银行并设立分支机构 的议案，叠加其近期的人事变动，迅速引发业内关注。 江苏江南农村商业银行股份有限公司（以下简称"江南农商行"）成立于2009年12月底，依托常州制造业升级的区位优势，形成了"做小做散"的小微金融业 态。 截至2025年三季度，该行总资产规模为6165.1亿元，成为江苏省最大的农商行（除省联社外）。 意外的是，江南农商行的上市之路并不顺利。早在2018年7月，中信建投就对其开启了IPO辅导备案，至今七年多的时间过去，该行依旧上市进展缓慢。 尤其是今年9月，江苏省纪委监委官网公告称，江南 ...

转自：新华财经 近日，广发银行南宁分行依托高效金融服务，以"无还本续贷"业务为抓手，使南宁市某日用家电批发小 微企业在无需筹措资金偿还本金的情况下，无缝衔接延长贷款归还期限，帮助小微企业解决了资金周转 的"燃眉之急"。 编辑：穆皓 岁末年初，家电促销迎来热潮，这家小微企业需集中采购大批库存以应对市场需求，流动资金临时性紧 张。此时又恰逢这家企业首次申请的经营性贷款760万元即将到期，若按传统模式先还后贷，企业需要 中断采购计划，对旺季销售的节奏和成效产生重大影响。广发银行南宁分行客户经理获悉相关情况后， 立即组建专项服务小组，在充分评估该企业经营情况与信用状况后，为其定制无还本续贷专属方案，并 开辟绿色审批通道，全程"一对一"指导企业整理相关资料。企业提出申请到续贷成功，仅用了3个工作 日。 近年来，广发银行南宁分行持续深化普惠金融服务，聚焦小微企业融资需求，不断优化服务流程，积极 解决小微企业"融资难、融资贵、融资慢"问题，截至2025年9月末，已累计向普惠小微企业发放贷款超 过17亿元，惠及小微企业超过3200家。 今年以来，为了让更多符合条件的小微企业能够及时、便捷地享受到金融政策红利，广发银行南宁分行 ...

Core Viewpoint - Henan Zhongyuan Consumer Finance Co., Ltd. has been committed to inclusive finance for nine years since its establishment in December 2016, significantly contributing to the financial needs of underserved populations and enhancing economic development [1][3]. Group 1: Company Achievements - As of December 2025, Zhongyuan Consumer Finance has issued loans exceeding 510 billion yuan, with a loan balance of over 44 billion yuan, serving more than 28 million customers [3][4]. - The company has developed a dual-channel approach, combining online and offline services to enhance financial accessibility, particularly in rural areas and among new urban residents [3][4]. Group 2: Service Innovations - Zhongyuan Consumer Finance utilizes big data and cloud computing to create precise profiles of rural users, enabling them to complete the entire loan application process online [4]. - For new urban residents, the company has established dedicated credit models and risk assessment mechanisms, launching products tailored to their consumption needs, with a loan balance of 21.4 billion yuan for this demographic, serving 12 million new residents [4]. Group 3: Consumer Activation Strategies - The company has implemented various measures to stimulate consumption, including subsidies and interest-free offers, benefiting 3.46 million users and providing over 52.46 million yuan in financial relief [5]. - By integrating financial services into everyday consumer scenarios, such as shopping districts and supermarkets, Zhongyuan Consumer Finance has achieved a loan balance of 29 billion yuan in key consumption areas, accounting for 67% of its total loans [5]. Group 4: Future Commitment - Zhongyuan Consumer Finance remains dedicated to serving national strategies and meeting public needs, aiming to innovate service models centered around users and contribute to common prosperity through inclusive finance [6].