21世纪经济报道记者郭晓洁 广州报道普惠金融迎来新发展阶段顶层"施工图"。 6月26日，金融监督管理总局、中国人民银行联合发布《银行业保险业普惠金融高质量发展实施方案》 （以下简称《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，普惠金融促进共同 富裕迈上新台阶"的发展目标，并提出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 惠保险体系建设等六大方面16条措施。 程瑞表示，高质量的普惠金融体系构建将发挥三大作用，一是将进一步优化普惠金融供给体系，形成分 工明确、各具特色、有序竞争的供给格局，满足多样化、差异性、下沉化的普惠金融需求；二是将进一 步巩固并提升普惠金融信贷的供给能力，一方面在管理机制上提升科学性，保障金融机构信贷投放的效 率和商业可持续性，另一方面加强对小微、三农等特定群体的供给；三是将显著加强普惠保险体系的建 设。 在加强普惠保险体系建设方面，《实施方案》对保险公司在专业体制机制建设、普惠产品供给、服务质 量及监管政策引领上都提出了明确方向。 中国普惠金融研究院原执行院长莫秀根向21世纪经济报道记者表示，客观来说，相对于普惠信贷，当前 普惠保险仍处于起步阶段，在内涵与外 ...

山东农担以战略眼光聚焦优势产区和特色集群，加快对畜牧优势产业提档增效，驱动产业从"量的积累"向"质的飞跃"华丽转身。截至目前，对沿黄肉牛、 鲁北肉羊、烟台生猪、临沂肉鸡、高青黑牛等多个产业集群支持担保贷款规模累计均已超过10亿元，有力推动各地做好畜牧产业"土特产"文章。 齐鲁晚报·齐鲁壹点 胡晓娟 通讯员 肖玉璇 在巨野县某禽业公司的鸡舍内，八层全自动笼养设备高效运转，王厂长看着崭新的生产线感慨："农担贷款就是一场及时雨，帮我渡过了难关！"她口中 的"及时雨"，正是山东省农业发展信贷担保有限责任公司（以下简称"山东农担"）的创新产品——"鲁担农牧贷"。截至目前，该产品已累计为7.3万户畜牧 经营主体提供担保贷款449亿元，为山东省畜牧业高质量发展注入了源源不断的金融"活水"，成为激活乡村产业振兴的重要引擎。在2025"好品金融"活动 中，"鲁担农牧贷"脱颖而出，成功获评"普惠金融"典型产品。 畜牧业是关乎国计民生的重要产业，肉蛋奶是千家万户"菜篮子"的核心担当。山东农担立足政策性定位，以"鲁担农牧贷"为支点，撬动金融资源向畜牧关 键领域深度汇聚。在支持生猪养殖方面，将能繁母猪、育肥猪授信标准分别提升至3220 ...

Core Viewpoint - The Construction Bank's Fujian Branch is committed to integrating a distinctive financial development culture into its operations, focusing on serving the real economy and contributing to the high-quality development of Fujian's economy through innovative financial products and services [1] Group 1: Financial Services Innovation - The Fujian Branch has established a "Rural Comprehensive Property Trading and Management Service Platform," facilitating a recent forest rights auction that achieved a 112% premium rate [2] - The bank has supported over 160,000 private enterprises, providing comprehensive services including international settlement and cash management, and has assisted in the registration of the first private enterprise "Panda Bond" in the country [2] - The bank has developed specialized services for technology enterprises, with a loan balance exceeding 900 billion yuan for technology-related industries as of May [3] Group 2: Agricultural and Rural Financing - The bank has created a comprehensive financial service plan for the edible mushroom industry in Gutian County, providing over 5 billion yuan in loans to more than 3,200 mushroom farmers [4] - The bank has conducted outreach activities, providing over 530 billion yuan in credit to 66,000 small and micro enterprises, with online inclusive finance accounting for over 94% of its business [4] Group 3: Consumer Finance and Housing Support - The Fujian Branch has implemented a consumer finance initiative, disbursing over 49 billion yuan in personal consumer loans since 2024, focusing on sectors like new energy vehicles and tourism [5] - The bank has also provided 39 billion yuan in personal housing loans, serving 80,000 families, and has introduced the first allocation-type housing loan in Fujian [5] Group 4: Risk Management and Security - The bank has adopted AI-driven financial analysis tools to enhance credit approval processes, generating over 460,000 financial analysis reports since the project's launch in July 2024 [6][7] - The bank has established a comprehensive risk management framework, integrating technology for real-time monitoring and fraud prevention, while actively promoting financial literacy among vulnerable groups [7]

Regulatory Developments - Six departments, including the People's Bank of China, encourage financial institutions to increase loan support for eligible consumer industry entities [1] - The National Financial Supervision Administration issued the "Market Risk Management Measures for Commercial Banks," requiring banks to establish comprehensive stress testing procedures [1] - The "Implementation Plan for High-Quality Development of Inclusive Finance in Banking and Insurance" was released, focusing on enhancing inclusive credit systems and support for small and micro enterprises [1] Industry Insights - The four major state-owned banks have successfully completed a total of 520 billion yuan in capital increase through private placements, signaling stability in the banking sector [2] - Listed banks are experiencing a wave of capital increases, with significant shareholders increasing their stakes, indicating a potential revaluation of the banking sector [3] Mergers and Acquisitions - The Industrial and Commercial Bank of China has received approval to acquire Chongqing Bishan Rural Bank, marking the first instance of a state-owned bank participating in the "village-to-branch" reform [4] Corporate Actions - Ping An Life has increased its stake in China Merchants Bank to 15%, marking the third time it has done so this year, reflecting confidence in the bank's long-term investment value [5][6] - Luzhou Bank has paused its planned capital increase due to shareholder objections, with no new timeline for resuming the plan [6] - Suzhou Bank's major shareholder has completed an 856 million yuan stake increase [6] - China Great Wall Asset Management is transferring a 40.92% stake in Changjiang Huaxi Bank for a base price of 4.332 billion yuan, marking its exit after 11 years [6] Personnel Changes - Yang Jun has been appointed as a member of the Party Committee of the Bank of China [7] - Wang Dajun has been appointed as the Vice President of Agricultural Bank of China [8] - Qian Xi has been approved as the Chairman of Huaren Bank, which has total assets exceeding 430 billion yuan [9] - Zeng Xiaosong has been appointed as the President of Fudian Bank [10]

Core Viewpoint - The Shandong Province is promoting the "Good Financial Products" brand, focusing on inclusive finance and showcasing successful case studies and products by 2025 [2] Group 1: Development of Inclusive Finance - The provincial rural credit cooperatives have issued a total of 6.2 trillion yuan in loans over the past three years, serving 3.61 million clients, with inclusive loan balances reaching 1.69 trillion yuan [4] - A long-term mechanism has been established to enhance lending willingness and capability, resulting in the creation of 102 credit products and 1,754 local specialty credit products to meet diverse customer needs [4] - As of the end of May, agricultural and small micro-enterprise loan balances reached 932.9 billion yuan and 1.12 trillion yuan respectively, maintaining over 20% market share within the province [4] Group 2: Enhancing Professional Financial Services - The focus is on customer-centric service, improving risk identification and control capabilities, and developing tailored financial solutions for clients throughout their lifecycle [5] - In the first five months, loans to 545 key industry customer groups increased by 192 billion yuan, with an 8% rise in coverage [5] Group 3: Expanding Financial Service Coverage - A mechanism has been established to connect with farmers, individual businesses, small micro-enterprises, and urban communities, with 33.1 million service grids and dedicated customer managers [6] - As of the end of May, 6.507 million clients benefited from "no-sense credit" services, and nearly 1.804 million households received credit support [6] - The province has 4,660 financial service outlets and 23,500 service points, ensuring basic financial services are available in villages and comprehensive services in towns [6] Group 4: Improving Customer Satisfaction - The overall loan interest rate has decreased by 1.14 percentage points over the past three years, saving clients 16.5 billion yuan [7] - Innovative online lending models have provided loans totaling 128.03 billion yuan to 925,000 clients [7] - The provincial rural banks will continue to focus on key areas like agriculture and small enterprises, aiming to innovate product services and reduce financing costs [7]

Regulatory Developments - Six departments, including the People's Bank of China, issued guidelines to enhance commercial health insurance support for innovative drugs, aiming to meet diverse health protection needs [1] - The National Financial Regulatory Administration is working on incorporating inclusive insurance development into the regulatory evaluation system for insurance companies, establishing an assessment mechanism for inclusive insurance [2] Industry Trends - The implementation of new compliance regulations is accelerating, as evidenced by the appointment of chief compliance officers in multiple insurance companies, indicating readiness for the upcoming Compliance Management Measures [3] - The popularity of the Jiangsu Province City Football League has led to increased participation from insurance companies, providing comprehensive risk coverage for players and spectators [4] Capital Movements - Insurance companies have accelerated capital replenishment through significant increases in registered capital and bond issuance, totaling 69.213 billion yuan by June 22, a 95% year-on-year increase [5] - Zhongyou Insurance has been approved to increase its registered capital by 3.98 billion yuan, raising it to 32.643 billion yuan [6] - China United Insurance has received approval to increase its registered capital by 1.2 billion yuan, bringing it to 4.1 billion yuan [7] Corporate Actions - ZhongAn Online plans to place 215 million H-shares, expecting to raise approximately 3.8963 billion HKD after expenses [8] - Guobao Life's 7.6% equity stake was auctioned off, with the new owner being Meishan State-owned Assets Management Company, which acquired it for 176 million yuan [8] Personnel Changes - Baolingjie is set to become the new president of ICBC-AXA Life Insurance, filling a vacancy left by the previous president [9] - Yu Hong has been approved as the general manager of AIA Life Insurance, responsible for strategic planning and daily operations [10] - Wang Xuze has been appointed as the interim head of Taiping Life Insurance, overseeing the company's operations [11] - He Xiao has been approved as the general manager of Zijin Insurance, taking on leadership responsibilities [12]

近日,微众银行发布《2024年可持续发展报告》(以下简称"报告"),连续第四年向社会披露可持续发展实 践成果。2024年,微众银行坚守"让金融普惠大众"的初心,积极推进实施ESG战略,深入落实金融"五篇大文 章",取得了新的积极进展。 稳健治理固本强基,持续践行社会责任 报告指出,微众银行不断完善优化公司治理架构与制度体系,持续规范公司治理,推动决策监督与经营管理 深度融合,董事会战略与ESG 委员会有效履行ESG 相关职责,充分发挥核心决策作用。2024年,该行正式 加入联合国全球契约组织(UNGC),承诺遵循UNGC 十项原则,积极为联合国可持续发展目标(UN SDGs)作 出贡献。 运营与业务协同发力,服务美丽中国建设 报告显示,在自身运营方面,微众银行充分发挥线上化、数字化优势,持续推行业务全流程无纸化,全年累计 节约纸张超32亿张,所减少的碳排放量超28,000吨二氧化碳当量;扎实开展自身碳排放核算与管理,持续履 行碳中和承诺,已连续第三年实现运营碳中和,助力国家实现"双碳"目标;着手推进自有物业绿色建筑认证, 年内微众银行大厦已获LEED BD+C新建建筑金级认证,并借鉴该先进理念优化所有办公职场 ...

Core Viewpoint - The World Economic Forum's 16th Summer Davos Forum in Tianjin focused on "New Era Entrepreneurial Spirit," gathering over 1,700 leaders from more than 90 countries to discuss innovative business solutions to global challenges [1] Group 1: AI Development and Innovation - The CEO of Haier Group, Zhou Yunjie, emphasized that "innovation is the soul of the enterprise" during the forum on AI development [5] - Haier has transformed its organizational structure and processes to fully embrace AI, creating a comprehensive layout with large models, intelligent agents, and AI terminals [5] - Haier has developed proprietary large models such as UHome and Tianzhi for smart home and industrial applications, integrating them with general models like DeepSeek [5] Group 2: Ecosystem and Market Position - Zhou Yunjie stated that future competition will be between ecosystems rather than individual companies, highlighting Haier's transition from a traditional appliance manufacturer to an ecosystem enterprise [5] - Haier has established three major ecosystems: smart home, big health, and industrial internet, maintaining its position as a top IoT ecosystem brand for seven consecutive years [5] - The company offers customized transformation paths for businesses of various sizes, advocating for the integration of AI to avoid marginalization [6] Group 3: Vision for the Future - Zhou Yunjie called for the acceleration of machine intelligence's accessibility, promoting a "technology for good" philosophy to enable cross-brand connectivity in smart homes [6] - He urged new era entrepreneurs to embrace innovation with greater responsibility and commitment to drive high-quality economic development [6]

Core Viewpoint - The Shandong banking industry is committed to social responsibility and has made significant strides in various financial sectors, including technology finance, green finance, inclusive finance, pension finance, and digital finance, to support the province's economic development and strategic goals [1][2][3][4][5][6] Group 1: Financial Support and Development - The Shandong banking sector aligns with provincial development plans, enhancing financial resource allocation to support new economic drivers and projects, with loans for the "ten strong" industries reaching 11,467.26 billion yuan, an increase of 1,989.25 billion yuan or 20.99% year-on-year [2] - Loans to private enterprises reached 35,826.25 billion yuan, increasing by 3,229.7 billion yuan since the beginning of the year [2] - Cumulative loans for ecological protection and high-quality development in the Yellow River basin amounted to 9.63 trillion yuan since 2021 [2] Group 2: Technology and Green Finance - The banking sector has established a technology finance organizational system, with loans to technology SMEs reaching 2,402.2 billion yuan, reflecting a year-on-year growth of 41.65% [3] - Focused on green finance, the sector is enhancing financial support for low-carbon development, creating replicable models for green transformation [3] Group 3: Inclusive and Pension Finance - Inclusive finance initiatives have led to loans for small and micro enterprises reaching 17,300 billion yuan, with a year-on-year increase of 16.43% and 243.51 million loan accounts [4] - The banking industry is innovating pension finance products to support the elderly population and enhance their financial well-being [4] Group 4: Digital Finance and Industry Self-Regulation - The sector is leveraging financial technology to improve service efficiency and customer experience, with a focus on digital economy development [5] - The industry is committed to self-regulation and enhancing service quality, conducting 93,000 financial education activities reaching 265 million consumers [5] Group 5: Community Engagement and Philanthropy - The Shandong banking industry integrates public welfare into its corporate culture, conducting 8,077 volunteer and charity projects benefiting 7.29 million people, with donations totaling 27.34 million yuan [6]

Core Viewpoint - The implementation plan aims to establish a high-quality comprehensive inclusive financial system over the next five years, enhancing financial services for the public and supporting the real economy's diverse needs [1][3]. Group 1: Optimization of Inclusive Financial Service System - The plan emphasizes the need to improve the inclusive financial service system by creating a multi-tiered, widely covered, and differentiated financial institution framework [3][4]. - It aims to enhance financial services in rural areas, encouraging the development of financial products tailored to local needs and supporting small and medium-sized enterprises [3][4]. Group 2: Strengthening Inclusive Credit System - The plan outlines measures to enhance the inclusive credit management system, including setting regulatory goals and improving monitoring and evaluation mechanisms [5][6]. - It focuses on increasing credit support for small and micro enterprises, agriculture, and poverty alleviation areas, ensuring sustainable development [6][7]. Group 3: Development of Inclusive Insurance System - The plan calls for strengthening the inclusive insurance system by establishing a management framework and expanding product offerings to meet the needs of small and micro enterprises and rural populations [8][9]. - It aims to improve the quality and accessibility of insurance services, ensuring timely compensation for risks faced by vulnerable groups [9].