6月27日消息，三大指数集体高开，小米汽车板块涨幅居前。截至今日开盘，沪指报3450.69点，涨 0.06%；深成指报10371.81点，涨0.27%；创指报2125.85点，涨0.54%。 消息面： 1、国家金融监管总局、央行联合发布《银行业保险业普惠金融高质量发展实施方案》。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。 12、中荣股份公告，公司实控人、董事长兼总经理黄焕然取保候审并恢复履职。 2、商务部新闻发言人何亚东在26日的记者会上表示，依法依规不断加快对稀土相关出口许可申请的审 查，已经依法批准一定数量的合规申请，并将持续加强合规申请的审批工作。 3、国务院办公厅日前印发《关于进一步完善信用修复制度的实施方案》提出，协同推动破产重整、破 产和解企业高效修复信用。 4、中办、国办发布关于全面推进江河保护治理的意见，推进防洪水库建设，加快推进蓄滞洪区建设； 到2035年现代化流域防洪减灾体系基本完善。 5、2025年基本医保目录及商保创新药目录调整申报操作指南出炉，首度纳入商保创新药目录。 6、小米26日晚间正式发布其首款SUV汽车小米YU7，售价25.35万元起 ...

Domestic News - The National Financial Regulatory Administration and the Central Bank jointly released the "Implementation Plan for High-Quality Development of Inclusive Finance in the Banking and Insurance Industries," aiming to establish a high-quality comprehensive inclusive financial system within five years [1] - The State Council issued the "Implementation Plan for Further Improving the Credit Repair System," which proposes a unified credit information disclosure platform and clarifies the channels for credit repair applications [1] - Xiaomi officially launched its first SUV, the Xiaomi YU7, with prices starting at 253,500 yuan, Pro version at 279,900 yuan, and Max version at 329,900 yuan; also released its first AI glasses starting at 1,999 yuan [1] - The 2025 basic medical insurance catalog and commercial insurance innovative drug catalog adjustment application guidelines have been released, marking the first inclusion of commercial insurance innovative drugs [1] - The new generation of domestically developed general-purpose processor, Longxin 3C6000, has been released [1] International News - Trade negotiations between India and the United States have reached a stalemate, according to Indian officials [2] - The European Union believes that the U.S. attack occurred after Iran transferred enriched uranium [2] - The spread between the U.S. 5-year and 30-year Treasury yields has exceeded 101 basis points, marking the steepest since 2021 [2] - The U.S. trade deficit unexpectedly widened in May, with exports experiencing the largest decline since the pandemic; first-quarter GDP has been revised down [2] - Iran has officially enacted a law to suspend cooperation with the International Atomic Energy Agency [2] - Federal Reserve officials indicated that with inflation easing, interest rate hikes are no longer a primary topic; potential neutral rate estimates may gradually rise over time [2]

Core Viewpoint - The implementation plan for improving the credit repair system in China aims to enhance the efficiency and convenience of credit restoration for credit subjects, addressing issues of fragmentation and inconsistency in the current system [1][2]. Group 1: Unified Publicity and Standards - The plan establishes a unified public information platform, "Credit China," to centralize various public credit information and resolve previous inconsistencies in publicity rules across different departments and regions [1][2]. - It categorizes dishonest information into three levels: "minor, general, and serious," with differentiated publicity periods for each level, allowing credit subjects to apply for credit repair only after the minimum publicity period has expired [2]. Group 2: Simplification and Responsiveness - The plan simplifies the application materials for credit repair and sets clear processing deadlines, requiring "Credit China" to respond to repair applications within 10 working days [3]. - It enhances the convenience for credit subjects to raise objections regarding the publicity content, duration, and repair results through "Credit China" or relevant industry authorities [3]. Group 3: Innovative Mechanisms for Specific Cases - A "green channel" mechanism is established for bankrupt restructured enterprises, allowing them to temporarily shield dishonest information and update credit evaluations based on court rulings [4]. - This design aims to eliminate obstacles caused by punitive measures for dishonest behavior, facilitating smoother bankruptcy restructuring and enabling enterprises to operate normally and access financing [5]. Group 4: Comprehensive Policy Measures - The implementation plan is characterized by a problem-oriented and goal-oriented approach, introducing targeted policies to address the pain points and challenges in credit repair, thereby providing a solid institutional guarantee for a unified credit repair system [5].

从监管部门官网或信用中国网站撤下一条行政处罚信息1万元； 从天眼查等第三方商业机构撤下一条负面信息5000元； …… 这是北京一家信用修复公司给《每日经济新闻》记者发来的报价清单。 近段时间，社交平台上充斥着大量帮人修复信用的信息，宣称能帮个人或企业撤下在监管部门官网、信用中国网站、裁判文书网、银行风控系统、天眼查 等平台上的各种负面信息，小到贷款逾期、作风违纪，大到杀人放火、违法犯罪。 记者注意到，6月26日，国务院办公厅对外发布《关于进一步完善信用修复制度的实施方案》，针对信用修复难点堵点问题提出十项重点任务，包括明确 信用修复申请渠道、办理期限，规范征信机构使用信用信息行为等。 中介帮人修复信用真相究竟如何？这些负面信息真能删？怎么删？交这么多钱最终流向哪里？每经记者历时3个月多方调查，为您揭开层层内幕。 一、法院判决书：刑事案件通常难从官网撤下 从裁判文书网撤下一份法院判决书1.5万元； 记者在调查中发现，多个中介都宣称可以从裁判文书网撤下相关判决书，以此来达到修复信用的目的。 北京某信用修复公司负责人通过电话对记者表示："从裁判文书网及第三方商业机构撤一份裁判文书1.5万元。" 该负责人告诉记者，裁 ...

Group 1 - The State Council issued a plan to improve the credit repair system, focusing on ten aspects for comprehensive regulation [1] - The National Development and Reform Commission announced that the third batch of funds for the consumption upgrade program will be distributed in July [2] - The Civil Aviation Administration of China prohibited passengers from carrying non-3C marked or recalled power banks on domestic flights to ensure aviation safety [2] Group 2 - The Hong Kong government released the "Hong Kong Digital Asset Development Policy Declaration 2.0," aiming to establish Hong Kong as a global innovation center in the digital asset field [3] - Several local brokers in Hong Kong have completed the upgrade of their licenses, indicating a growing interest in the digital asset market [3] Group 3 - The domestically developed Loongson 3C6000 processor was launched, matching the performance of mainstream products expected in 2023 or 2024, showcasing China's advancements in independent technology [4]

Core Viewpoint - The article emphasizes the importance of annual reports for businesses, highlighting their role in maintaining credibility and ensuring sustainable development. The efforts of Tonglu County's Market Supervision Administration to enhance annual report compliance among local enterprises are detailed. Group 1: Annual Report Compliance Initiatives - The Market Supervision Administration has implemented a dual-service model ("online + offline") to improve awareness of annual reporting among newly established enterprises, providing tailored guidance and anti-fraud resources [1] - A dynamic management list has been established for key enterprises that previously failed to report on time, with dedicated personnel tracking compliance. Currently, the annual report rate for these key enterprises has reached 88%, significantly reducing the risk of being listed as operating abnormally [1] Group 2: Support for Abnormal Enterprises - The administration conducts telephone verifications and on-site visits to assess the actual operating status of enterprises listed as abnormal due to non-reporting. Customized services are offered to assist these businesses in credit restoration [2] - A total of 105 enterprises have successfully completed credit restoration, allowing them to operate more effectively and regain vitality [2] Group 3: Future Plans - The Market Supervision Administration plans to continue enhancing annual report services through diverse methods such as video promotions and on-site Q&A sessions, aiming to increase awareness and importance of annual reporting among business entities [2]

智通财经6月17日电，经济日报头版文章指出，当前，我国已建立起较为完备的信用体系。它像一面棱 镜，既能折射企业自身健康状况，又能助其判断合作伙伴品质。作为履约能力的重要体现，信用强的企 业在吸引合作伙伴、获得资金注入、争取谈判空间等方面具有明显优势。而失信企业往往因为信用困 扰，在经营发展中被缚住手脚，缺乏活力。信用体系背后是对经济秩序的维护。对企业的信用评价不是 为了让某个企业"社死"，而是希望以此形成对其经营的监督，让企业在法治轨道上平稳运行。 经济日报：完善信用修复激发企业活力 ...

信用，是对个体或组织履行契约的能力以及可信度的综合评定。市场经济中，信用犹如真金白银，已经 成为企业无形的资产。截至今年一季度，全国市场监管部门累计修复企业违法失信信息877.79万条，同 比增长34.52%。这将进一步激发企业活力，助力企业发展。 当前，我国已建立起较为完备的信用体系。它像一面棱镜，既能折射企业自身健康状况，又能助其判断 合作伙伴品质。作为履约能力的重要体现，信用强的企业在吸引合作伙伴、获得资金注入、争取谈判空 间等方面具有明显优势。而失信企业往往因为信用困扰，在经营发展中被缚住手脚，缺乏活力。 信用体系背后是对经济秩序的维护。对企业的信用评价不是为了让某个企业"社死"，而是希望以此形成 对其经营的监督，让企业在法治轨道上平稳运行。既然如此，为什么还要对失信企业开展信用修复？ 首先，在具体经营中，企业履约的客观条件复杂，部分企业的信用瑕疵"情有可原"；同时，信用评价又 具有一定的滞后性，不一定能反映企业最新情况。比如，有的企业未能履约是出于客观上的不可抗力， 没有主观恶意；有的企业失信行为发生在困难阶段，在经营恢复后，积极采取行动消除了先前影响，但 过往的信用记录如一道疤痕，影响企业形象。 ...

Group 1 - The core viewpoint of the news is that Jingmen City has implemented innovative credit repair services, significantly simplifying the process for businesses and enhancing the overall business environment [1][2][4] - Since February, 477 market entities have completed credit repair with "zero run" and 624 abnormal records have been cleared, demonstrating the effectiveness of the new service [1][2] - The "extremely simplified repair" service allows businesses to request credit repair without submitting applications or materials, with administrative staff handling the entire process [2][4] Group 2 - Starting in 2024, Jingmen City will implement the "Three Letters Delivered Together" mechanism, providing businesses with administrative penalty decisions, compliance suggestions, and credit repair notifications simultaneously [3] - Over 900 credit repair notifications have been delivered, helping businesses understand how to correct issues and restore credit [3] - The Jingmen Market Supervision Bureau has created a comprehensive "Credit Repair Operation Guide," which includes legal conditions, required materials, and standard templates, enhancing businesses' understanding of credit repair policies [4] Group 3 - The innovative measures taken by the Jingmen Market Supervision Bureau have significantly reduced institutional transaction costs for businesses and invigorated market entities [4] - The promotion of these services has led to a 50% increase in awareness of credit repair policies among businesses, with over 3,000 guides distributed and five promotional events held this year [4] - These practices are expected to contribute to high-quality economic development and inject new vitality into the business environment [4]

Core Viewpoint - The article emphasizes the importance of revitalizing existing assets and liabilities within the economy to stimulate growth, highlighting recent government efforts and financial data that indicate a significant increase in social financing and government bond issuance [1][2]. Group 1: Financial Data Insights - The People's Bank of China reported that the cumulative increase in social financing for the first five months reached 18.63 trillion yuan, a year-on-year increase of 3.83 trillion yuan [1]. - In May, the social financing increment was 2.29 trillion yuan, which is 224.7 billion yuan more than the previous year [1]. - M2 money supply grew by 7.9% year-on-year, while M1 increased by 2.3%, resulting in a M2-M1 gap of 5.6 percentage points, which narrowed by 0.9 percentage points from April [1]. Group 2: Government Bond Contributions - Government bonds accounted for the largest contribution to social financing this year, with net financing of 6.31 trillion yuan in the first five months, an increase of 3.81 trillion yuan year-on-year [1]. - The issuance of replacement bonds by various levels of government is expected to correspond to approximately 2.3 trillion yuan in replaced loans [1]. Group 3: Policy and Structural Adjustments - The State Council approved a plan to improve the credit repair system, which aims to enhance liquidity for enterprises and households by addressing accounts receivable issues [2]. - The total accounts receivable for large industrial enterprises reached 26.06 trillion yuan at the end of 2024, reflecting an 8.6% year-on-year increase [2]. - The article suggests that removing policies that hinder mergers, acquisitions, and bankruptcies will strengthen supply chain governance and reduce financial costs for enterprises [2][3]. Group 4: Supply Chain Financial Services - There is significant room for growth in supply chain finance, as evidenced by a 1.343 trillion yuan increase in non-discounted bank acceptance bills in the first five months, with a notable decline in May [2][3]. - The article highlights the need for government incentives to improve supply chain financial services and ensure that commitments regarding accounts receivable are honored [3]. Group 5: Household Financial Structure - The article calls for the modification of systems to facilitate adjustments in household asset-liability structures, including the introduction of personal bankruptcy mechanisms [4]. - It emphasizes the importance of addressing risks within the economic system to ensure that government, enterprises, and households can manage and sustain their debts effectively [4].