普惠金融：精准滴灌助力小微 响应国家普惠金融高质量发展政策，华夏银行广州分行立足江门"摩托车之都"产业特色，推出"摩配 贷"供应链金融服务方案。针对当地配件小微企业60-90天承兑汇票账期痛点，以核心企业信用为支撑， 为小微客户提供精准金融支持。截至2025年11月末，该行涉农贷款较年初增速达23.19%，为区域特色 产业链稳健发展筑牢金融根基。 暖心服务：民生底色彰显担当 践行"金融为民"宗旨，华夏银行广州分行将暖心服务落到实处。该行黄埔大道支行连续7年帮扶特殊儿 童公益组织，获广州市社会组织联合会来信感谢。分行营业部为聋哑客户启用"爱心沟通包"，成功解决 其账户司法止付难题；肇庆分行为85岁海外受骗客户定制解挂方案，相关案例获"金融暖心客服优秀案 例"，用细节诠释金融温度。 绿色金融：创新破局赋能双碳 紧扣"双碳"国家战略部署，华夏银行广州分行创新推出"穗碳"绿色低碳服务方案，依托平台直联供电局 数据精准识别企业绿色产能。广东某省级"专精特新"科技企业凭借该方案获得150万元信用贷款，有效 缓解流动资金压力。分行更落地全国首单低空经济资产支持专项计划。绿色金融相关案例获评省级绿色 金融改革创新案例。 在服 ...

Core Viewpoint - The article highlights the role of Jiujiang Bank's Guangzhou branch in providing financial support to the agricultural sector through innovative credit products, particularly the "Rural Talent Loan," which addresses the financing challenges faced by farmers and promotes rural revitalization [2][4]. Group 1: Financial Products and Support - Jiujiang Bank's Guangzhou branch has introduced the "Rural Talent Loan" to provide comprehensive credit support for agricultural activities, including seed procurement, feed investment, facility upgrades, and land transfer [2][4]. - The "Rural Talent Loan" has been designed to cater to the unique financial needs of farmers, allowing for quick approval and disbursement of funds without the need for complex collateral [4]. Group 2: Impact on Farmers - Farmers like Mr. Liang, who operates a 60-acre orchard, have benefited from the "Rural Talent Loan," receiving funds within one day, which enabled them to meet critical production timelines [2]. - Mr. Wang, who manages 145 acres of banana fields, successfully obtained a loan within three days, alleviating financial pressures related to land rental and seed procurement, thus allowing for expansion of his operations [4]. Group 3: Overall Financial Support and Growth - As of November 2025, the "Rural Talent Loan" and similar products have provided credit support to 112 farmers, totaling 43.6347 million yuan, covering various agricultural sectors such as fruit and flower cultivation and aquaculture [4]. - The overall agricultural loan balance of Jiujiang Bank's Guangzhou branch reached 1.896 billion yuan, providing a solid financial foundation for local agricultural production and farmer income growth [4]. Group 4: Future Focus and Strategy - Jiujiang Bank's Guangzhou branch aims to continue focusing on the core needs of rural revitalization, enhancing product adaptability and service precision to empower more farmers to expand production and improve management [4].

Core Viewpoint - The article emphasizes the importance of small and micro enterprises as vital components of the real economy, highlighting the proactive measures taken by the government and financial technology companies like Xiaoying Technology to support these businesses through innovative financial services and initiatives [2][3]. Group 1: Government Support and Financial Environment - The Chinese government has introduced various policies, including "Several Measures to Support Financing for Small and Micro Enterprises," to enhance the financing environment for these businesses, resulting in a 12.5% year-on-year increase in the balance of inclusive loans to small and micro enterprises, reaching 35.3 trillion yuan by the end of Q1 2025 [3]. - Xiaoying Technology has launched the "Be Your Own Light" annual support plan in 2025, which includes the "Small Store Shining Plan" and "User Lighting Plan," aimed at providing financial support to small and micro enterprises, having served over 9.5 million small business owners and individual entrepreneurs across 31 provinces and regions from January 2020 to October 2025 [3]. Group 2: Technological Innovation and Service Enhancement - The "Financial Technology Development Plan (2022-2025)" encourages the application of intelligent technology in finance, and Xiaoying Technology has introduced the virtual digital assistant WinDaidai in 2025, marking a new phase in optimizing user services [5]. - WinDaidai integrates advanced technologies such as AI voice synthesis, real-time rendering, and intent recognition, providing a comprehensive intelligent interaction experience for users [7]. - The design of WinDaidai reflects a blend of technology and human touch, featuring a 3D data light ring and a color scheme that symbolizes the combination of humanistic care and technological wisdom [8]. Group 3: Social Responsibility and Consumer Protection - Xiaoying Technology emphasizes the integration of industry, academia, and research to foster sustainable development in financial technology, exemplified by the establishment of a "Digital Finance Laboratory" in collaboration with Renmin University of China [9]. - The company prioritizes consumer rights protection, conducting educational activities that have reached approximately one million people to raise awareness about financial safety and risk prevention [9]. - In the realm of public welfare, Xiaoying Technology has established a rural campus library in Jiangxi, which houses 40,000 books, enhancing educational resources for local children and demonstrating the company's commitment to social responsibility [10]. Group 4: Future Outlook - Xiaoying Technology plans to continue aligning with government policies and focusing on user needs, aiming to enhance its digital partner services and further contribute to the high-quality development of the real economy [10].

近日，中央广播电视总台"央视财经金融强国——大湾区金融之夜"活动成功举行。活动以"金融赋能湾 区 创新引领未来"为主题，生动展现大湾区"十四五"期间金融领域改革创新成果。在活动现场，平安银 行的科创贷-新型微电池贷款方案入选了"大湾区金融高质量发展典型案例"，并现场播放科创贷典型案 例短片，讲述科创贷助力科创企业升级壮大的故事。 中国平安董事会秘书兼品牌总监盛瑞生出席活动并参加对话环节。盛瑞生表示，为助力高水平科技自立 自强，平安充分发挥综合金融优势，保险、银行、证券、租赁等各个成员公司紧密协同，打造"投、 保、贷"一揽子综合金融解决方案，构建起多层次的金融支持体系，为科技创新企业提供覆盖研发、生 产、运营、销售全生命周期服务。 12月22日，"央视财经金融强国——大湾区金融之夜"节目在CCTV2频道播出。 在深圳这片充满创新与梦想的热土上，有无数科创企业都在书写突破的故事，合壹新能就是其中之一。 作为一家新型微电池研发制造公司，合壹新能已深耕新能源微小电池领域20余年，打破了国外多年的技 术垄断。2025年春节前夕，一份来自行业大厂的订单，让曹志峰又喜又忧。不接下订单，错失一次发展 计划；接下订单，升级产线 ...

Core Viewpoint - The article highlights the spirit of perseverance and innovation embodied by the "Niu" sculpture in Shenzhen, representing the dedication of individuals and companies like China Ping An in contributing to the city's development and the well-being of its people [1][5]. Group 1: Company Overview - China Ping An has evolved into a comprehensive financial group with full licenses, safeguarding the lives and properties of the people, and focusing on areas such as pension finance and inclusive finance [7][9]. - As of June 2023, China Ping An has served nearly 247 million customers, indicating that approximately one in six Chinese individuals chooses Ping An, reinforcing the brand's deep-rooted presence in the insurance market [8]. Group 2: Innovation and Technology - The development of the "Yak Insurance" product showcases the integration of technology and finance, with real-time monitoring capabilities for livestock, reflecting China Ping An's commitment to innovation [6][7]. - China Ping An has over 3,000 scientists and more than 21,000 top technology talents, with a total of 53,521 patent applications, demonstrating its strong focus on technological advancement [7]. Group 3: Social Responsibility and Market Adaptation - China Ping An is adapting to changing consumer needs, particularly in the aging population and pension industry, by optimizing service structures and continuously launching innovative initiatives [9]. - The company plays a crucial role in supporting small and micro enterprises through inclusive finance, addressing their financing challenges and contributing to their growth [9].

上海市高级人民法院副院长林晓镍表示，下一步，上海法院将以更精准的司法裁判、更高效的解纷服 务、更坚实的协同保障，为上海加快建成与我国综合国力和国际影响力相匹配的国际金融中心提供更加 有力的司法保障。 记者了解到，《服务保障意见》聚焦科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文 章"，精准施策，以司法保障激活金融服务实体经济新动能。其中，在科技金融领域，支持金融机构基 于专利质量、研发团队实力、数据资产规模等科技企业技术价值，创新信用评价标准，破解"轻资产、 缺抵押"融资难题。在数字金融领域，完善数字金融纠纷案件证据规则，针对涉互联网金融、在线交易 中电子数据存证难、取证难、示证难等突出问题，出台针对性的证据认证规则，规范电子数据证据的审 查认定标准。 此次发布的《服务保障意见》具有三方面突出特点。一是全新对标中央、市委、最高人民法院决策部 署，紧密对接加快建设上海国际金融中心任务安排。《服务保障意见》紧密围绕中央金融委员会《加快 建设意见》中提出的六大核心举措，逐一细化司法服务保障的内容、路径、方法。二是全面回应新时代 上海国际金融中心建设司法需求，系统集成金融司法保障功能。《服务保障意见》首次 ...

2025年是"十四五"规划收官之年，也是新华保险进一步全面深化改革的重要一年。回首2025，新华保险 以实际行动扛起国企担当，彰显保险价值，在内涵式、高质量发展的道路上迎难而上、只争朝夕，通 过"明战略、优服务、抓改革、激活力、练内功、强投资"，交出了一份"规模价值双提升、品质结构双 优化"的"全科优等生答卷"，综合实力更加强大，高能级发展阔步向前。让我们一起聚焦这一年的发展 足迹。 2025年是新华保险服务国家战略深化拓展年。作为国有大型寿险公司，新华保险坚守"报国为民"初心， 践行"大保险观"，将金融资源与专业服务精准注入金融"五篇大文章"，全力推动金融强国、中国式现代 化建设服务工作走深走实。 公司聚焦主责主业，推动保险、投资、服务三端协同发力。负债端深耕民生保障，重点推广长期护理保 险、惠民保、养老金等业务，创新多款惠民生产品，截至11月底，新华保险累计赔付133.95亿元，自公 司成立以来累计赔付超1354亿元，筑牢民生兜底防线。投资端锚定国计民生关键领域，截至11月底，服 务"五篇大文章"投资余额近3200亿元、同比增长约15%，通过保险资金长期投资模式，精准助力新质生 产力发展与绿色转型。服务端 ...

Core Insights - The "Hui He Jin" platform in Heze, Shandong, is a public financial service platform that leverages digital and intelligent service models to address financing challenges for small and micro enterprises, farmers, and new citizens, becoming a model for inclusive finance in the region [1] Group 1: Platform Achievements - As of November 2025, "Hui He Jin" has aggregated 471 financial products and attracted 868 bank employees to provide services [1] - The platform has served 42,624 registered users, addressing over 21,000 financing needs and mobilizing credit funds amounting to 6.953 billion yuan [1] Group 2: Successful Case Studies - The platform facilitated a quick loan of 1 million yuan for a vegetable farmer in Dongming County, with funds disbursed on the same day after a rapid approval process [2] - A cooperative in Dingtao District received 1.5 million yuan through the "Lu Dan Hui Nong Loan" to purchase fertilizers after posting their funding needs on the platform [2] - A cattle farmer in Yuncheng County secured 1.2 million yuan within three days through the "Nong Shang Hui Min Loan" to expand their breeding operations [2] - A new citizen delivery rider obtained 200,000 yuan via the "Mu Dan Personal Consumption Loan" to stabilize his life in the city [2] Group 3: Operational Process - The "Hui He Jin" WeChat mini-program allows users to complete loan applications in three steps without needing to go offline [3] - The process includes user registration and authentication, product matching based on user needs, and application tracking for transparency and efficiency [3] - The platform has upgraded to version 2.0, incorporating five strategic matrices including technology finance, consumer finance, rural finance, green finance, and services for new citizens [3] Group 4: Financial Impact - The "No Repayment Renewal Loan" feature has facilitated 8.23 billion yuan in renewal loans for 122 small and micro enterprises, effectively reducing their refinancing costs [3] - The platform covers 34 financial institutions' credit products, catering to diverse financing needs for small enterprises, farmers, new citizens, and personal consumption [3]

张店农商银行将党建共建作为深化普惠金融的"黏合剂"，积极与服务辖内各科局、镇办、村居、产 业园区党组织开展结对共建活动，通过联席会议、政策宣讲、联合走访等形式，将金融服务深度嵌入基 层治理网络。2024年以来，张店农商银行党委与各科局、镇办签署战略合作框架协议31份，下辖支行向 村居、社区、商圈、园区等延伸共建项目77个。在此框架下，该行大规模推进"惠民金融驿站"建设，将 其打造为集基础金融、政策宣导、便民服务于一体的前沿阵地，有效延伸服务触角，打通普惠金融"最 后一公里"。目前，该行已建成金融驿站22个，覆盖55个行政村、社区，初步形成了"党建引领、多方联 动、服务直达"的普惠金融良好生态。 科技赋能 山东张店农商银行深刻把握金融工作的政治性、人民性，将做实做优普惠金融作为服务实体经济、 助力高质量发展的重要抓手，通过党建引领、科技赋能、服务下沉、场景拓展四大路径，积极践行金融 服务实体经济的要求，着力写好普惠金融这篇大文章。截至2025年11月末，全行普惠型小微企业贷款余 额67.17亿元，较年初增长9.82%，服务客户超1.15万户，普惠金融的活水精准润泽区域经济。 党建引领 构建"政银企"普惠生态圈 ...

Core Insights - The article highlights the proactive role of Hai'an Rural Commercial Bank in supporting technology-driven enterprises, showcasing its innovative financial services tailored to the needs of high-tech companies [1][2][3]. Group 1: Financial Support and Growth - Hai'an Rural Commercial Bank provided a loan of 10 million yuan to Nantong Sifang New Materials Co., Ltd., which has grown from a 30 million yuan output to 280 million yuan, demonstrating the bank's commitment to nurturing local tech enterprises [1]. - The bank has supported 547 technology-based enterprises, with a total credit loan balance of 9.566 billion yuan, reflecting its significant impact on the local tech ecosystem [2]. Group 2: Innovative Credit Assessment - The bank has established a new evaluation system that shifts focus from traditional asset-based assessments to evaluating future value and core capabilities of enterprises, allowing for more flexible credit support [2]. - This new model emphasizes the importance of intellectual property and cash flow over fixed assets, enabling tech companies to secure funding based on their innovation potential [2][3]. Group 3: Specialized Service Mechanisms - Hai'an Rural Commercial Bank has implemented a "six-special" mechanism to create a specialized service team for tech enterprises, ensuring tailored financial solutions [4]. - The bank launched Jiangsu's first financial service standard for tech enterprises, which aims to standardize and enhance service quality and efficiency [5]. Group 4: Comprehensive Product Offerings - The bank has developed a diverse product matrix that addresses the financial needs of tech enterprises at different growth stages, from startup loans to specialized financing for mature companies [6]. - Specific products include "Tech Innovation Loans" and "Talent Loans," designed to support various aspects of enterprise development [6]. Group 5: Ecosystem Building and Collaboration - Hai'an Rural Commercial Bank positions itself as a resource connector, collaborating with government and industry bodies to enhance support for tech enterprises [7]. - The bank has implemented differentiated interest rates for tech companies, resulting in a 70 basis point reduction in average loan rates compared to the previous year, thereby reducing financing costs for businesses [7].