Core Viewpoint - In 2025, Shenzhen's financial performance shows stable growth, with total deposits and loans ranking third among major cities in China, and the balance of various deposits in domestic and foreign currencies reaching 14.63 trillion yuan, a year-on-year increase of 7.8% [2][4]. Group 1: Financial Growth and Structure - As of the end of 2025, Shenzhen's total deposits and loans remain third among major cities in China, with a balance of various deposits at 14.63 trillion yuan, up 7.8% year-on-year, and an increase of over 1 trillion yuan compared to the beginning of the year [4]. - The balance of various loans in domestic and foreign currencies reached 9.97 trillion yuan, growing by 5.1% year-on-year, with an increase of 4.83 billion yuan compared to the beginning of the year [4]. - The social financing scale in Shenzhen maintained reasonable growth, with an annual increment exceeding 630 billion yuan, a year-on-year increase of over 150 billion yuan, and direct financing accounting for about 40% [4]. Group 2: Loan Structure and Support for Economic Development - The loan structure has been optimized to support high-quality economic development, with loans for technology, green, and digital economy industries increasing by 1.9, 3.3, and 1.4 percentage points respectively compared to the end of 2024 [5]. - The balance of loans for the private economy in Shenzhen reached 4.35 trillion yuan, accounting for 43.7% of total loans, while inclusive small and micro loans amounted to 2.01 trillion yuan [5]. - In 2025, loans in the "Five Major Areas" of finance became a significant driver of credit growth, with technology loans reaching 2.28 trillion yuan and consumer loans growing by 13.12% year-on-year [6][7]. Group 3: Cross-Border Financial Activities - Shenzhen ranked third in the country for cross-border payment and receipt scale, with a total of 5.83 trillion yuan in cross-border RMB transactions, maintaining its position as the primary currency for cross-border settlements between Shenzhen and Hong Kong [9]. - The total cross-border RMB receipts for goods trade reached 12.352 billion yuan in 2025, a year-on-year increase of 1.913 billion yuan, marking a new high since the business began in 2009 [10]. - The city has implemented high-level pilot policies to enhance cross-border trade and investment facilitation, benefiting over 1,900 enterprises and achieving a business scale exceeding 250 billion USD [9].

Group 1 - The article highlights the increasing demand for imported beef and lamb in the Tianjin market, particularly during the pre-Spring Festival period, with significant order volumes reported by traders in the Xin Hui Yang cold chain logistics park [1] - The Agricultural Bank of China (ABC) has introduced financial products like "Micro Quick Loan" and "Merchant e-Loan" to support traders in managing their cash flow during the busy season, providing quick access to funds [1] - The Tianjin branch of ABC has focused on understanding the financing needs of the beef and lamb trade sector, offering online, credit-based financial solutions to meet the urgent and frequent funding requirements of merchants [1] Group 2 - ABC has increased its financial support for supply chain enterprises in the Xin Hui Yang park, enhancing the overall supply capacity for imported beef and lamb [2] - Tianjin Mei He Supply Chain Management Co., Ltd. has benefited from ABC's support, receiving a total of 88 million yuan in credit, which has improved its capabilities in procurement, cold chain storage, and market distribution [2] - The international finance team of ABC has streamlined foreign exchange transactions for enterprises, enabling same-day settlements for online currency purchases and payments, thereby improving the efficiency of the cold chain logistics system [2]

Core Viewpoint - The financial institutions in Chongqing have significantly supported the city's high-quality economic development in 2025, focusing on various sectors such as technology innovation, green finance, and small and micro enterprises [1][2][3][4]. Group 1: Financial Support for Economic Development - The total financial supply has been ample, with the People's Bank of China (PBOC) in Chongqing utilizing various monetary policy tools to support the real economy, resulting in a total of 1,277 billion yuan in central bank funding and an increase of 4,302 billion yuan in new RMB loans [1][2]. - The year-end loan balance in Chongqing grew by 7.2% year-on-year, consistently exceeding the national average for 10 consecutive months [1]. - The average interest rate for newly issued corporate loans in December 2025 was 3.15%, a decrease of 0.2 percentage points year-on-year, effectively reducing the financial burden on enterprises [1]. Group 2: Targeted Credit Allocation - Credit allocation has been precise and efficient, with over 60% of new loans directed towards key sectors such as technology, inclusive finance, and elderly care [2]. - Loans for technology-oriented small and medium-sized enterprises maintained a growth rate of over 30% throughout the year [2]. - The balance of loans for the elderly care industry increased by 72.8% year-on-year, indicating strong financial support for this sector [2]. Group 3: Financial Reform and Innovation - Continuous deepening of reforms has effectively stimulated regional financial vitality, with the green finance reform achieving significant milestones, including the establishment of nearly 40 green transition financial standards and over 330 innovative green financial products [3]. - The total balance of green loans in Chongqing surpassed 1 trillion yuan, maintaining a growth rate among the highest in the country [3]. - The establishment of a digital financial service platform for cross-border transactions has facilitated financing and settlement for enterprises, with related financing balances exceeding 730 billion yuan [3]. Group 4: Enhanced Financial Services for Citizens - The launch of a cross-border financial service platform has enabled over 1,800 enterprises in Chongqing to facilitate financing and settlement exceeding 75.6 billion USD, ranking among the top five in the country [4]. - The average processing time for certain financing procedures has been reduced from 2-3 days to approximately 10 minutes, significantly improving efficiency [4]. - The promotion of a funding flow information platform has allowed 36,000 small and micro enterprises to obtain credit totaling 121.37 billion yuan [4].

•落实个人消费贷款最新财政贴息政策 六大行集体公告 实施细则优化升级 转自：新华财经 •国务院食安办等部门将对预制菜国家标准等公开征求意见 •国际金价突破4900美元 再创历史新高 •中国人民银行党委书记、行长潘功胜接受新华社记者采访，他表示，2026年，中国人民银行将继续实施好适度宽松的货币政策，把促进经济稳定增长、物 价合理回升作为货币政策的重要考量，发挥增量政策和存量政策集成效应，为经济稳定增长、高质量发展和金融市场稳定运行营造良好的货币金融环境，为 实现"十五五"良好开局提供有力的金融支撑。（新华社） •人民银行公告，1月23日，中国人民银行将以固定数量、利率招标、多重价位中标方式开展9000亿元MLF操作，期限为1年期。（新华财经） 图片来源：中国图片社 •近日，工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行均已发布公告，落实个人消费贷款财政贴息政策优化相关服务。具体来看：一是 将个人消费贷款财政贴息政策实施期限延长至2026年12月31日。二是扩大支持范围，将信用卡账单分期业务纳入支持范围。三是拓展贴息领域，取消单笔5 万元及以上消费领域限制。四是提高贴息标准，取消单笔消费贴息金额上限 ...

习近平总书记指出，"新时代新征程，金融工作要站稳人民立场，增强服务的多样性、普惠性、可 及性"。普惠金融是金融工作政治性和人民性的集中体现。只有始终坚持以人民为中心的发展思想，推 进普惠金融高质量发展，才能更好满足人民群众和实体经济多样化的金融需求。 (本文来源：经济日报 作者周莉萍系中国社会科学院金融研究所综合研究部副主任、国家金融与发 展实验室高级研究员) (责任编辑：年巍) 一是引导各类金融机构坚守定位。国有大型商业银行的优势主要体现在融资成本低、自身数字化转 型能力强，为实体经济提供"普""惠"兼有的高质量服务。地方中小金融机构对当地不同群体的金融需求 较为了解，能以更低成本解决普惠金融服务的信息不对称问题。非银行业金融机构的数字普惠金融服务 能力较强，应继续对偏远地区、小微企业等领域发挥金融之外的补充作用。此外，还要持续提升政策性 金融机构的普惠功能。 二是强化政策支持和要素保障。金融机构很难完全依靠市场化机制在提供"普""惠"性质服务的同 时，兼顾自身经营的商业可持续性。因此，世界各国的普惠金融发展都离不开政策支持。应加强财政政 策与货币政策协调配合，以财政专项资金、中央银行再贷款等方式为普惠金融 ...

习近平总书记指出，"新时代新征程，金融工作要站稳人民立场，增强服务的多样性、普惠性、可及 性"。普惠金融是金融工作政治性和人民性的集中体现。只有始终坚持以人民为中心的发展思想，推进 普惠金融高质量发展，才能更好满足人民群众和实体经济多样化的金融需求。 金融具有功能性和盈利性双重属性。发展普惠金融是全球议题。一方面，普惠金融不是免费、免息的财 政补贴，讲究有借有还，追求规模效应、标准化服务，在这一点上与普通的商业贷款没有区别。另一方 面，普惠金融致力于为达不到传统金融服务门槛的特定群体提供最基本的金融服务，不能单纯以盈利性 为目标，盈利要服从功能发挥。例如，普惠金融客群的财务和信用等信息往往是非标准化的，一些小微 企业缺乏完整规范的财务信息，没有可抵押的重资产，甚至可能只有一纸技术专利。又如，普惠金融重 点服务的一些群体可能没有连续的工作经历、社保记录，无法形成完善的个人信用信息。需增强服务的 多样性、普惠性、可及性，切实履行好社会责任，实现金融与经济、社会、环境共生共荣，让金融高质 量发展的成果更好惠及广大人民。 我国普惠金融发展走在世界前列，既充分利用发达的商业银行网络，将广泛的网点拓展至社区乡村；又 利用 ...

Core Viewpoint - The development of inclusive finance is a concrete manifestation of the people-centered development philosophy, emphasizing the importance of providing affordable and effective financial services to all social strata and groups, particularly small and micro enterprises and low-income populations [2][3]. Group 1: Importance and Achievements of Inclusive Finance - Inclusive finance promotes social equity and inclusive growth by focusing on equal opportunities and commercial sustainability [2]. - Since the concept was proposed by the United Nations in 2005, China has made significant progress in developing inclusive finance, with policies established since 2013 to support its growth [2][3]. - The 2023 State Council's implementation opinions emphasize high-quality development of inclusive finance to promote common prosperity for all [2]. Group 2: Current State of Inclusive Finance in China - China has established a comprehensive policy and service system for inclusive finance, significantly improving service coverage, accessibility, and satisfaction [4]. - By the end of 2024, there will be an average of 1.62 bank outlets per 10,000 people, with nearly 98% coverage in town banks [4]. - Mobile payment transactions in rural areas reached 33.93 billion, a year-on-year increase of 33.03% [4]. Group 3: Innovations and Technological Integration - Financial institutions are innovating products and services tailored to the characteristics of small and micro enterprises, such as flexible loan repayment options and supply chain finance [5][6]. - The integration of technologies like big data and artificial intelligence is enhancing the efficiency and effectiveness of inclusive finance, exemplified by digital banks offering rapid loan approval processes [6]. Group 4: Pilot Programs and Regional Experiences - Various pilot zones for inclusive finance have been established to explore differentiated approaches and accumulate experiences, with notable examples in regions like Henan and Zhejiang [8][9]. - Innovations in credit information sharing and risk-sharing mechanisms have been implemented to support rural revitalization and enhance credit access for agricultural entities [9][10]. Group 5: Focus on Key Demographics - Inclusive finance primarily targets five groups: small micro enterprises, agricultural workers, new urban residents, the elderly, and flexible employment individuals, addressing their unique financial needs [13]. - The quality of financial services in the livelihood sector has improved significantly, with efforts to integrate services into the daily lives of these key demographics [13][14]. Group 6: Future Directions and Challenges - Continuous efforts are needed to enhance the accessibility of financial services in key areas, with a focus on structural reforms and risk prevention [7][12]. - Challenges remain in balancing profitability with inclusivity, improving the precision and adaptability of financial products, and enhancing consumer financial literacy [16][17].

利率红利持续释放，2025年西藏金融机构新发放的一般商业性贷款加权平均利率1.42%，企业贷款加权 平均利率1.31%，同比分别下降27BP、39BP。跨境贸易投融资便利化水平持续提升，西藏涉外收支总 额同比增长18.98%，银行结售汇总额同比增长26.49%。 普惠金融方面，中国人民银行西藏自治区分行信贷政策管理处处长次旺热单表示，2025年西藏发放支农 支小再贷款7.2亿元、再贴现6亿元，组织145场政银企融资对接活动，累计放款25.67亿元，有效缓解小 微企业融资难题。 据悉，中国人民银行西藏自治区分行将执行好适度宽松的货币政策和中央赋予西藏的特殊优惠金融政 策，进一步增强服务实体经济能力，为实现"十五五"良好开局提供有力的金融支撑。(完) 中新网拉萨1月22日电(泽塔雍措)2025年西藏金融运行情况新闻发布会22日在拉萨召开，发布会介绍， 截至2025年末，西藏本外币各项贷款余额首次突破7000亿元(人民币，下同)大关，达到7007亿元，按可 比口径计算，较年初增加1145亿元、增长17.6%，增速位居全国前列。多项普惠金融政策落地见效，为 高原经济社会高质量发展注入强劲动力。 发布会数据显示，西藏本 ...

以满足额度又成本较低的贷款，应对线上冲击与成本压力，汉川某工厂车间内智能化生产线有序运转； 轻点手机屏幕，10分钟即获批70万元纯信用额，十堰某厂房内汽车零部件整装待发……这些润泽湖北中 小企业的金融"及时雨"，都来自平安融易(江苏)融资担保有限公司湖北分公司(下称 "平安融易湖北分公 司")的精准支持。 作为连接银企的重要桥梁，该公司创新构建"党建+科技+担保+产品"四维服务体系，以"省心、省时、 省钱"的核心优势，截至2025年10月已为9.6万户小微企业、11.8万个体工商户及2.4万名"三农"主体提供 218.9亿元资金支持，为湖北实体经济注入汩汩金融活水。 党建为引 绘就社会责任多元图景 普惠金融的深度实践，离不开党建引领的方向指引。平安融易湖北分公司将党建工作与业务发展、公益 实践深度融合，将红色基因融入企业血脉，以"党建+"模式构建社会责任共同体，在荆楚大地上描绘出 一幅多元而立体的金融图景。 以"党建+消保"，筑牢安全防线。从 2018年启动金融素养提升计划至今，该公司形成"线上+线下"立体 化科普矩阵。2024年开展"五进"主题活动38场，覆盖湖北8座城市近10万名群众；2025年更联动监管 ...

y The Property of 政银企韵手发力 十五五良好开局 普惠金融深度对接座谈会 . D 下一步，市工商联将立足"桥梁纽带"职能，常态化收集企业融资需求，分类梳理形成"需求清单"，联合金融部门、银行机构开展精准匹配。同时，聚焦产 业链供应链核心企业，推动银行创新专属金融产品，切实打通金融服务实体经济的"最后一公里"。 活动现场，企业代表和银行工作人员面对面交流、点对点对接。企业代表详细介绍了自身发展规划、融资需求及经营过程中遇到的资金难题；银行工作人 员则结合企业实际，精准推介普惠金融产品、信贷扶持政策及个性化融资方案，双方就合作细节深入洽谈，现场气氛热烈，达成多项初步合作意向。 近日，市工商联会同市金融服务中心连续组织召开政银企对接交流活动。累计30余家企业、10余家银行参加活动，初步达成贷款意向7000万元，持续助力 民营企业收获发展动能。 ...