（来源：广州金融） 从广交会上企业拿着百万美元订单的笑颜，到养殖场里养殖户安心劳作的身影；从低空飞行器翱翔蓝天的科技之美，到"穗岁康"守护万千家庭的温暖场 景……在广州这座充满活力的超大城市，中国人民财产保险股份有限公司广州市分公司（以下简称"人保财险广州市分公司"）正以"人民保险 服务人 民"为初心，深耕科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"，用专业保险服务为经济高质量发展注入动能，为民生福祉筑牢安 全屏障。 2025年，人保财险广州市分公司实现保费规模历史性突破百亿元。这一里程碑背后，是公司紧扣国家战略、对接区域需求的精准发力，是产品创新与服务 升级的持续深耕，更是扎根岭南大地、服务万千市场主体的责任担当。如今，无论是科技创新企业的"出海"征途，还是乡村振兴的田间地头；无论是重大 赛事的安全保障，还是普通百姓的日常所需，都能看到人保财险的身影，感受到保险的温度与力量。 人保财险广州市分公司连续14年亮相金交会，为顾客提供精准服务。 低空经济是广州培育新质生产力的重要赛道，人保财险广州市分公司再次抢占创新先机。2024年7月，全国首个"低空飞行器专属保险"在广州亮相，广州 亿航智能技 ...

回眸"十四五"，之江潮涌连天阔。 向新而行，科创动能澎湃不息，新质生产力拔节生长； 向海而拓，外贸增长曲线逆风上扬，外向型经济韧性彰显。 在这波澜壮阔的征程中，农行浙江省分行始终与时代同频、与浙江共进，以金融"活水"精准浇灌每一寸发展热土，用实干与担当书写 了一份沉甸甸的"十四五"答卷。截至11月末，该行存贷款总量4.8万亿元，连续多年领跑同业，"十四五"期间贷款净增1.2万亿元，实现 翻番，连续15年被评为"支持浙江经济社会发展一等奖"。 滴灌科创沃土，激发新质生产力澎湃动能 "十四五"期间，浙江科技能级不断跃升，区域创新能力连续4年保持全国第四，研发投入强度也从2020年的2.77%提升到2024年的 3.22%，再创新高。 这片科创沃土生机勃发的背后，离不开金融"活水"的精准滴灌。扎根于此的农行浙江省分行发挥国有银行"头雁"担当，紧扣省委、省 政府战略部署和浙江产业发展脉络，明确打造"服务'创新浙江'示范行"特色定位，因时顺势出台一系列服务科技金融意见方案，今年更 是以一号文件印发指导意见，通过"投、贷、债、租、汇、链"协同发力，为科技企业提供全方位、全周期的综合金融支持。 面对科技型企业不同成长阶段的 ...

中新网重庆新闻12月29日电(张旭) 12月29日，记者从重庆市委金融办优化营商环境获取金融服务工作专 班获悉，"十四五"期间，重庆渝中区，以"政策护航引领、机构协同发力、服务创新升级"为实施路径， 助力企业绿色转型，书写了金融赋能高质量发展的生动答卷。 产品创新同步推进，"排污权抵押贷""船舶贷"等特色金融产品相继落地——农发行重庆市分行发放全市 首笔1.05亿元水土保持绿色贷款；恒丰银行重庆分行通过"船舶贷"授信超12.9亿元，助力航运企业绿色 转型。 此外，渝中区制定的《既有商业商务楼宇绿色化改造导则》，在全国率先探索老旧楼宇绿色改造路径， 目前已应用于Moxy酒店等项目。 下一步，渝中区将以推进金融高质量发展为主题，以深化金融供给侧结构性改革为主线，以深入实 施"智融惠畅"工程为抓手，通过开展创新绿色信贷，以金融之力为高质量发展注入不竭动力。(完) 作为全市首批气候投融资试点区，渝中区正加快构建"生态为底、金融为翼、产业为核"的发展格局。曾 经淤积杂乱的滨江岸线，如今已蜕变为市民共享的"亲水生态后花园"。这背后，离不开8亿元生态修复 资金与230亿元智创新城投资的强力支持，更折射出绿色金融工具的赋能效 ...

2023年，专注于新能源电池关键材料的臻锂新材，正处于从实验室研发迈向中试量产的关键节点。作为苏州创新创业领军企业，其技术 前景获得IDG资本、苏创投等知名机构三轮融资认可，但尚未形成稳定现金流的现状，使其难以通过传统银行授信审批。就在企业为扩 建投产资金发愁之际，上海银行苏州自贸区支行客户经理余华主动找上门来。通过定期走访苏州工业园区科技招商中心的"行商"模式， 余华深入考察了企业的技术团队、研发进展和市场前景，最终通过"投联贷"为其提供近亿元融资支持，解了企业的燃眉之急。 这款颠覆传统信贷逻辑的创新产品，核心亮点在于打破了对抵押物和短期财务指标的依赖。"投联贷"以专业投资机构的股权融资决策为 重要参考，结合银行自身风控体系，通过投资金额与评估系数的科学核算，确定授信额度，让企业的技术实力和成长潜力成为融资的"硬 通货"。上海银行苏州分行副行长范荣表示，硬科技领域的核心价值往往隐藏在技术壁垒和团队实力中，而非短期财务报表，"投联贷"的 设计正是基于对科技企业成长规律的深刻洞察。2023年，该产品成功入选苏州工业园区"一行一品"特色金融产品库，成为服务"早小 硬"科技企业的标杆之作。 从"坐商"到"行商"的转 ...

Core Viewpoint - Agricultural Bank of China Shaanxi Branch is focusing on supporting the green and low-carbon transformation of the energy and chemical industries, particularly coal chemical industry, as a key initiative for high-quality local economic development by 2025 [1] Group 1: Financial Support Initiatives - As of November 2025, Agricultural Bank of China Shaanxi Branch has approved loans for key coal transformation projects amounting to 25.15 billion yuan, with 8.122 billion yuan disbursed [1] - The Yulin Chemical Phase II project, a key national energy development project, received a total of 10 billion yuan in fixed asset loans and 5 billion yuan in preliminary project loans from Agricultural Bank of China Shaanxi Branch, marking the first approval of such financing by a state-owned bank [2] - Agricultural Bank of China Yulin Branch has provided 1.407 billion yuan in loans for the construction of the Yulin Chemical Phase II project and has established 21 special accounts for migrant workers' wages, facilitating wage payments for 950 individuals [2] Group 2: Comprehensive Financial Services - Agricultural Bank of China Shaanxi Branch is committed to providing comprehensive financial support across the entire industry chain, including project financing, supply chain finance, and bond underwriting [3] - The bank is expanding the applicability of traditional products like project loans and fixed asset loans to support the construction of smart factories and digital workshops, enhancing automation and information levels in production operations [3] - In terms of green development, the bank is focusing on financing projects related to environmental upgrades, carbon capture, and near-zero wastewater discharge, helping companies reduce carbon emissions and achieve clean production [3]

在河北省沙河市玻璃产业园区，经过技术改造的生产线正以"无人化"模式高效运转，机械臂精准抓取玻 璃原片，大数据指挥中心实时调控各项生产参数——这一传统产业向高端化、智能化跃迁的背后，离不 开华夏银行石家庄分行持续的金融"活水"支持。截至目前，该行已为沙河市某实业有限公司、河北某玻 璃有限公司等多家企业累计投放设备更新和技术改造贷款超过3.5亿元，且全部符合绿色与科技双重标 准，以"科技+绿色"双轮驱动，助力"中国玻璃城"跑出转型升级加速度。 转自：新华财经 作为我国最大的玻璃生产加工基地，沙河市近年来全力推动玻璃产业向绿色化、高端化、智能化方向转 型，从传统建筑玻璃向超白、超薄等特种玻璃领域拓展。然而，设备升级和技术研发带来的资金需求， 成为企业转型过程中的关键瓶颈。华夏银行石家庄分行精准对接企业需求，深入践行金融服务实体经济 的宗旨，扎实推进"五篇大文章"落地见效，为沙河市玻璃企业量身定制覆盖全产业链的综合金融服务方 案。 亮眼的成果背后，是华夏银行石家庄分行对绿色与科技金融的持续深耕。截至11月末，该行2025年科技 贷款累计投放超百亿元，增速24.9%，支持科技型企业300余户；绿色贷款较年初增长10.3 ...

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].

| 镍：资金与产业力量博弈，关注结构机会的出现 | 2 | | --- | --- | | 不锈钢：基本面约束弹性，但关注印尼政策风险 | 2 | | 碳酸锂：现实与预期差加大多空分歧，高位震荡 | 4 | | 工业硅：关注情绪面提振盘面 | 6 | | 多晶硅：区间震荡，波动较大 | 6 | 国 泰 君 安 期 货 研 究 所 2025年12月29日 国泰君安期货商品研究晨报-绿色金融与新能源 观点与策略 请务必阅读正文之后的免责条款部分 1 期货研究 商 品 研 究 2025 年 12 月 29 日 镍：资金与产业力量博弈，关注结构机会的出现 不锈钢：基本面约束弹性，但关注印尼政策风险 张再宇 投资咨询从业资格号：Z0021479 zhangzaiyu@gtht.com | | | 指标名称 | T | T-1 | T-5 | T-10 | T-22 | T-66 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 沪镍主力（收盘价） | 126,750 | 1,340 | 9,570 | 11,160 | 9,490 | 3,7 ...

绿色发展是中国式现代化的鲜明底色，《中共中央关于制定国民经济和社会发展第十五个五年规划 的建议》（以下简称"'十五五'规划建议"）明确提出"加快经济社会发展全面绿色转型，建设美丽中 国"，而发展绿色金融是推动经济社会绿色转型的必然要求。目前，我国绿色金融的顶层设计基本形 成，绿色金融业务快速发展，根据中国人民银行统计，截至2025年三季度末，我国本外币绿色贷款余额 43.51万亿元，其中，基础设施绿色升级、能源绿色低碳转型、生态保护修复和利用为主要应用领域， 占比达74.97%，有力推动了我国经济社会的转型升级。近期，在《〈"十五五"规划建议〉辅导读本》 中，中国证券监督管理委员会主席吴清特别强调"加力培育壮大耐心资本、长期资本和战略资本"，提 高"十五五"时期资本市场制度包容性、适应性。耐心资本作为一种注重长期投资、强调稳健回报的资本 形式，对于壮大绿色金融市场参与主体，为绿色金融发展提供可持续、长期、有耐心的资本具有重大意 义。 耐心资本在支持绿色金融发展方面具有天然优势 （一）从投资端来看，绿色金融领域为耐心资本提供了新的投资视角与机遇。2020年9月习近平总 书记在第七十五届联合国大会上正式宣布："中 ...

Core Insights - The central theme of the article emphasizes the importance of financial institutions in supporting key sectors such as domestic demand, technological innovation, and small and medium-sized enterprises (SMEs) to bolster the real economy [3] Group 1: Focus Areas - Financial institutions are encouraged to provide targeted support rather than a broad approach, ensuring resources are allocated to critical areas and weak links in the economy [4][6] - The Industrial Bank has developed a specialized financing plan for green factory equipment updates, providing 137 million yuan in loans to support the transformation of enterprises like Luozhou Group [5][6] Group 2: Innovative Services - The Construction Bank has introduced a "Technology Transformation Loan" of 10 million yuan for high-tech enterprises, which does not require traditional collateral, addressing the unique financing challenges faced by technology companies [8][10] - The bank's approach includes comprehensive services beyond credit support, such as assisting with payroll and connecting businesses with industry partners to enhance market access [10][11] Group 3: Technological Assistance - Financial technology advancements are reshaping banking services, allowing for digital approvals and online operations that cater to the needs of small and micro enterprises [12][13] - The digital banking model enables faster and more efficient service delivery, reducing the reliance on physical branches and traditional collateral requirements [15][16] Group 4: Collaborative Efforts - The article highlights the importance of multi-party collaboration in providing financial services tailored to the needs of technology-driven enterprises, moving away from traditional collateral-based lending [17][19] - Beijing Bank has established a collaborative mechanism to link various resources, including equity investment institutions and research institutes, to support the growth of technology companies [19][20]