编发：文 丽 审核：吴世平 | 网点名称 | 网点地址 | 联系电话 | | --- | --- | --- | | 营业部营业室 | 孝感市高新区复兴大道5号 | 0712-2836387 | | 龙店科技金融专业支行 | 孝感市孝南区新铺镇大会集91号 | 0712-2688924 | | 东城支行 | 孝感市孝南区重永大道88号 | 0712-2596568 | | 星河天街支行 | 孝感市孝南经济开发区孝武大道特1号 | 0712-2879115 | | 重永支行 | 孝感市孝南区毛陈镇新华路口 | 0712-2510515 | | 高新区支行营业室 | 孝感市孝南区交通路176号 | 0712-2588553 | | 宝成路支行 | 孝南区宝成路58号荣欣锦城3幢1层0105-0107室 | 0712-2835252 | | 城北支行 | 孝感市孝南区惠民路26号 | 0712-2883977 | | 长征路支行 | 孝感市孝南区长征路218号 | 0712-2881978 | | 北京路支行 | 幸国区 当路合四 > 同 | 0712-2467618 | | 南方国际小微支行 | 孝南区南方国际商 ...

精准定位，破解企业融资难题。在当前经济形势下，小微企业、涉农主体发展面临诸多挑战，特别是融 资难、融资贵问题成为制约企业成长的关键瓶颈。该行聚焦普惠金融主责主业，以支持小微企业、涉农 主体发展为着力点，针对不同类型、不同发展阶段企业的融资需求，重点围绕银税贷、科创贷、抵押贷 三款产品详细展开了介绍。 今后，滨州中行博兴支行将继续深入各乡镇、园区，了解企业实际需求，提供更加精准的金融服务，不 断创新服务模式，扩大普惠金融覆盖面，提升金融服务质效。 多维服务，构建全方位支持体系。在宣讲会现场，多位企业代表对这些金融产品表现出浓厚兴趣。该行 建立企业融资需求跟踪机制，定期了解企业经营状况和资金使用情况，及时提供后续金融支持。 近日，为深入贯彻落实金融服务实体经济的工作要求，精准对接企业融资需求、破解发展瓶颈，滨州中 行博兴支行"服务实体经济，金融在行动"宣讲活动走进店子镇、兴福镇，为当地企业带来了一场金 融"及时雨"。 ...

德州中冠通风设备有限公司位于武城县鲁权屯镇经济开发区，主营业务为通风设备、电机的生产及销 售。前不久，德州中冠通风设备有限公司新上马的电机生产线正式投入使用，产品一上市便赢得市场青 睐，眼下企业正加紧生产一批价值1500万元来自重庆的订单。然而就在几个月前，企业还在为购买材料 资金不足而发愁，"进购原料定转子，每一批都要两、三百万的资金，轴承、铜线，都要占用大量资 金。"德州中冠通风设备有限公司总经理尹晓东激动地说。资金不足、原材料无法购进原本让企业生产 一度出现停滞，但在武城农商银行工作人员进行银企对接交流时了解到这一情况，主动上门走访对接， 积极帮助企业寻求解决方案。结合该企业特点，为企业量体裁衣办理了小微企业循环贷，同时武城农商 银行全程上门一对一服务，仅用了5天时间就为企业办理了300万元贷款，保障了企业的各项生产。 武城农商银行坚持把服务实体经济作为出发点和落脚点，积极担当社会责任，全面落实普惠金融政策， 持续提升金融服务质效，以专心、专业、专注的服务"匠心"全力服务中小微企业，为助力经济高质量发 展提供有力度、有温度、有速度的金融服务。 "有了武城农商银行的资金支持，眼下正加紧生产一批价值1500 ...

Core Viewpoint - Juyue Rural Commercial Bank focuses on serving the "three rural issues" and the real economy, positioning itself as a key player in local finance, and continuously innovating service models to support local economic development while enhancing its own competitive advantages [1]. Group 1: Service Foundation - Juyue Rural Commercial Bank is deeply rooted in local areas, optimizing its branch layout and enhancing service functions at township branches to ensure financial services reach every corner of the county economy [2]. - The bank employs a grassroots service model, with customer managers regularly visiting villages and enterprises to understand the financial needs of farmers, new agricultural operators, and small businesses, thereby extending inclusive finance to the county [2]. Group 2: Empowering the Real Economy - The bank implements differentiated and precise credit strategies aligned with county economic development plans, supporting food security and new agricultural entities through innovative loan products like "Agricultural Loan" and "Cooperative Loans" [3]. - It addresses the financing challenges of small and micro enterprises by promoting products such as "Inclusive Microcredit" and "Entrepreneurial Guarantee Loans," simplifying processes and reducing financing costs [3]. Group 3: Technological Empowerment - Juyue Rural Commercial Bank embraces digital transformation by integrating traditional services with digital technology, promoting online banking channels to enhance service efficiency and customer experience [4]. - The use of big data technology improves credit evaluation models, allowing the bank to provide credit support to clients lacking traditional collateral, thus expanding financial service coverage [4]. Group 4: Social Responsibility - The bank actively engages in social responsibility by promoting financial literacy, facilitating the distribution of government subsidies, and enhancing services for vulnerable groups, thereby contributing to community welfare and earning widespread acclaim [5]. - Looking ahead, Juyue Rural Commercial Bank aims to deepen its commitment to serving local areas, focusing on product innovation, service optimization, and risk management to support comprehensive economic and social development [5].

巍峨乌蒙，重峦叠嶂。曾几何时，贵州毕节受限于"地无三分平"，金融服务难以惠及磅礴大山的每个角 落。而今日该市正以深化普惠金融为笔，在这片充满希望的土地上，描绘着一幅金融活水精准滴灌、润 泽民生的生动画卷。 "没想到山林里的碳汇也能当抵押物，这笔绿色普惠贷款真正是'点绿成金'！"赫章县海雀村的集体经济 通过贵州省首张林业碳票质押获得贷款时，村支书喜出望外。毕节市创新推动绿色普惠金融融合，联合 相关部门建立"绿色普惠主体名录库"，单列再贷款支持绿色普惠领域，引导金融机构创新林业碳汇、取 水权、碳排放权等绿色权益质押融资模式，推出"绿色普惠贷""绿色银行承兑汇票"等特色产品，打 造"公益诉讼+绿色金融""生态账户+绿色普惠信用工程"等服务模式。截至2025年11月末，毕节市绿色普 惠贷款余额432.16亿元，同比增速11.25%。 针对乡村文旅经营主体的融资难题，毕节市有针对性地创新构建主办银行工作机制，点"旅"成金，引导 金融机构"一户一策"优化金融服务，开展乡村旅游重点村信用工程建设，创新"非遗振兴贷""黔途悠 宿""黔旅快贷"等产品，破解文旅主体贷款难、贷款慢问题。截至2025年11月末，毕节市乡村文旅产业 ...

Core Insights - The banking sector is undergoing a significant structural transformation in physical branch networks due to the rise of fintech and increasing industry competition [1][2] - In 2025, over 11,000 bank branches were approved for closure, while more than 8,400 new branches were established, indicating a shift from "scale expansion" to "value enhancement" [1][4] Group 1: Branch Closures - The trend of branch closures has intensified, with over 11,000 branches permitted to cease operations in 2025, a significant increase from 2,483 in 2024 [2][3] - Nearly 8,000 of the closed branches were commercial bank branches, marking a record high for branch closures in recent years [2][3] - The closures are primarily driven by the deep penetration of digital transformation and the need for banks to adapt their operational strategies [2][3] Group 2: New Branch Openings - In 2025, a total of 8,548 new bank branches were established, surpassing the number of branches that closed [4][5] - The focus has shifted towards optimizing branch locations, particularly in rural and county areas, aligning with national strategies for rural revitalization and inclusive finance [4][5] Group 3: Efficiency and Value Creation - The restructuring of bank branches aims to enhance operational efficiency and reduce costs by closing underperforming branches [3][6] - Banks are increasingly positioning physical branches as complementary to online channels, emphasizing the need for integration and resource consolidation [6] - Many banks are developing specialized branches focusing on technology, green finance, and other targeted services to improve service capabilities [6]

Core Insights - The 2025 "Survey of Business Environment for 10,000 Private Enterprises" by the All-China Federation of Industry and Commerce ranks Hubei's innovation environment third nationally, with market, legal, and government environments all placing fourth, highlighting Hubei's attractive business environment [1] Group 1: Business Environment - Hubei's business environment is characterized by a balanced advantage, contributing to the high-quality development of the private economy [1] - The provincial federation of industry and commerce focuses on the "two healthy" work theme and the "Advancing Chu Merchants" brand to create a first-class business environment [1] Group 2: Support for Private Enterprises - Hubei's federation actively addresses the pain points and challenges faced by private enterprises, acting as a bridge and support to help them grow [2] - The province has launched initiatives to assist private enterprises in overcoming difficulties, with a complaint service platform receiving 3,375 cases and achieving a satisfaction rate of 99.97% [2] Group 3: Financial Support and Legal Framework - To tackle financing challenges, Hubei's federation collaborated with the People's Bank of China to facilitate loans for 1,932 small and micro enterprises, amounting to 199 million yuan [2] - Legal construction is emphasized as a crucial aspect of the business environment, with efforts to guide private enterprises in compliance and protect their legal rights [2]

初冬时节，河北保定的杨大娘家暖意融融。"自从安装了光伏板之后，家里的房子不仅整修了，未来20 年，每年还能获得2000元的稳定收入。"这笔"阳光收益"，正是来自户用光伏经营性租赁业务。 中经记者 石健 北京报道 中信金租提供的数据显示，截至2025年10月末，中信金租户用光伏业务已覆盖全国27个省份、237个地 级市，累计投放规模超276亿元，惠及近27万个农户，每年为农户创造近6亿元的绿色电力收益。 "中信金租将继续大力拓展户用分布式光伏业务，进一步完善满足农户需求、保障农户权益的经营性租 赁产品，加快系统建设，打造集融资性租赁与经营性租赁于一体的全流程线上操作系统。"公司相关负 责人对记者表示。 2024年7月26日，中国人民银行等五部门联合发布《关于金融支持天津高质量发展的意见》，提出要支 持金融租赁公司在天津设立项目公司，拓宽租赁物范围。 近年来，中信金融租赁有限公司（以下简称"中信金租"）将户用光伏经营性租赁作为主营业务之一，截 至2025年10月末，公司户用光伏业务已覆盖全国27个省份、237个地级市，累计投放规模超276亿元，惠 及近27万个农户，每年为农户创造近6亿元的绿色电力收益。 中信金租 ...

北京商报讯（记者 孟凡霞 周义力）1月26日，光大银行通过官方公众号及官网披露重要人事变动信息： 杨文化已出任该行党委委员，正式跻身行领导行列。 同日，光大银行官网更新高级管理层名单。简历显示，杨文化自2026年1月起任光大银行党委委员。现 任光大科技有限公司党委书记、董事长、总经理。2006年加入光大银行，历任该行信贷审批部总经理助 理、副总经理，资产保全部总经理，特殊资产经营管理部总经理，法律合规部总经理兼问责委员会办公 室主任。曾任中信实业银行北京知春路支行副行长、总行常务副行长秘书、公司银行业务总部综合管理 部副总经理、风险政策部副总经理，中国光大银行股份有限公司(欧洲)非执行董事。获经济学硕士学 位，经济师。 公开信息显示，光大科技有限公司为光大集团下属一级全资子公司，于2016年12月注册成立，注册资本 4亿元，定位为光大集团科技创新基础平台。公司投资成立并持有光大云缴费科技有限公司（以下简 称"光大云缴费"）49%的股权。光大云缴费致力于构建"金融＋生活＋服务"普惠生态系统，与光大银行 形成"双平台"，共同发力中国便民服务与普惠金融产业。 据光大银行官方公众号披露，该行于1月23日召开2026年 ...

机制落地一年多以来，福州加速将政策从"纸上"落到"地上"，全面启动支持小微企业融资协调工作机制，一手牵银行，一手牵企业，做精做深融资对接，引 导信贷资金快速直达企业，扩大普惠金融覆盖面，书写普惠金融高质量发展的福州答卷。 截至2025年年末，全市通过工作机制累计走访各类经营主体91万户，推动银行机构为超14万家经营主体授信超2400亿元，14万家经营主体发放贷款超2200亿 元，平均利率低于全国0.3个百分点，首次贷款金额超650亿元，位列全省第一。 科技企业 激活新质生产力"知产"变为"资产" 轻资产、缺抵押，是科技型小微企业融资路上的"老大难"。传统金融服务依赖抵质押物的模式，往往让手握技术、有市场前景却无厂房、土地等传统抵押物 的小微企业"望贷兴叹"。在小微企业融资协调工作机制下，多方协同发力，为破解这一困境提供有效路径。 案例点击：福州闽波光电技术有限公司主营光学玻璃制造，因临时接到下游大额追加订单，且此前租赁装修新厂房投入大，流动资金需求增大。"过去我们 这种轻资产科技企业贷款很难，要么审批周期长，要么要求抵押。"企业有关负责人坦言。 缺抵押、贷款慢、利率高？福州小微企业不用愁了！小微企业是经济发展 ...