11月13日上午，山东省人民政府新闻办公室举行"高质量完成'十四五'规划"系列主题新闻发布会，山东 省委金融委员会办公室分管日常工作的负责同志等介绍"十四五"时期山东推进金融高质量发展情况。 山东省地方金融管理局局长陈颖介绍，"十四五"时期是山东金融高质量发展的关键五年。近五年来，山 东金融总量实现跨越式增长，社会融资规模增速连续25个季度高于全国，今年5月迈上25万亿元台阶;本 外币贷款增速连续20个季度高于全国，去年11月突破15万亿元，"十四五"规划的主要任务目标均已提前 完成。全省新发放企业贷款加权平均利率下降1.06个百分点，普惠小微企业下降1.82个百分点，实实在 在让利实体经济。 "险资入鲁"成效明显，吸引超5800亿元长期资金，投向重大战略、重点领域、薄弱环节。 优化服务实体机制方面，山东聚焦供需对接，央地协同、同向发力，部门联动、相向而行，以实体经济 新需求，引领金融创新新供给，以金融服务新供给，创造现代产业新需求。 强化向上沟通对接，与中央金融机构开展全方位合作，聚焦科技创新、乡村振兴等重点领域和项目，对 接争取资金8644.45亿元。深化部门协同联动，实施"金融+""+金融"行动。持续扩 ...

Core Viewpoint - Minsheng Bank has been committed to serving the public and enhancing financial services for nearly 30 years, focusing on high-quality development of the real economy through financial innovation [1] Group 1: Financial Innovation and Services - The bank has actively responded to national policies aimed at stabilizing foreign trade by enhancing innovative services for foreign trade enterprises [1] - Minsheng Bank successfully utilized the innovative financial product "Export e-loan" to assist a small and micro export manufacturing enterprise in Qingdao, Shandong Province, in overcoming cash flow difficulties [1][2] - The "Export e-loan" product is a pure credit, fully online financing service designed for export enterprises, allowing them to apply for credit limits online and withdraw funds quickly after completing customs clearance [1][2] Group 2: Product Features and Benefits - The enterprise received an online credit limit approval of 2 million yuan and an additional 400,000 yuan for financial derivatives to hedge against foreign exchange risks within two hours of applying for the "Export e-loan" [2] - The product addresses the common issue of credit difficulties faced by small and micro enterprises due to lack of collateral, utilizing big data models based on past export payment records for quick approval [2] - Since its launch in 2023, the "Export e-loan" product has evolved to include additional financing options, expanding its service radius and increasing the maximum credit limit for export letters of credit to 10 million yuan [2]

本报讯 （记者李冰）11月13日举办的百度2025年世界大会上，百度正式发布全球首个可商用的"自我演 化"超级智能体——百度伐谋。中信百信银行"AphaMo"智能风控项目引入百度伐谋，成为了伐谋首次在 金融领域落地应用的案例，也是人工智能时代金融创新与普惠金融的成功实践。 "伐谋在中信百信银行'AphaMo'智能风控项目的首次应用是人工智能时代下金融创新的一个缩影，也是 一个使命驱动的普惠金融实践，"中信百信银行行长寇冠表示，"我们很荣幸携手百度首创了人工智能技 术与银行智能风控深度融合的新范式，也期待未来伐谋在银行业的应用实现更多突破，携手推动数字普 惠金融效能的提升和高质量发展。" （编辑 张伟） 百度创始人李彦宏介绍，伐谋的理念借鉴自进化算法，相当于模拟生物界几亿年的进化过程并压缩至几 天甚至几小时，从而发现"过去人类从未发现过的全局最优解"。 据介绍，中信百信银行以数字风控为基础，携手百度启动"AphaMo"智能风控项目。该项目应用了伐 谋、千帆、文心大模型等百度最前沿的AI技术，建设"挖掘智能体""模型智能体""策略智能体"三类风控 智能体，覆盖风控架构中挖掘、模型、策略三个层次。同时，还将发挥AI ...

Core Points - The launch of the "Qin Family Insurance" marks a significant step for Shaanxi in building a multi-level family risk protection system and promoting inclusive insurance services [1][2] - The project is a key product of the Shaanxi financial system's efforts to implement supply-side structural reforms and enhance social governance [1] - "Qin Family Insurance" is a collaborative effort among 19 provincial property insurance companies, providing standardized risk protection for residents [1][2] Industry Impact - The initiative aims to channel financial resources towards social welfare, enhancing the sense of security and well-being among the public [1] - The project has been successfully piloted in Xi'an for two years, demonstrating positive outcomes before its provincial rollout [1] - A strategic cooperation agreement was signed with the Xi'an Property Management Industry Association to promote insurance services within communities [2] Financial Contributions - The "Qin Family Insurance" alliance donated insurance coverage worth 87.3 million yuan to support advanced party members and families in need in the community [2]

Core Viewpoint - The successful launch of the "Back贴通" commercial bill business by China Merchants Bank Qingdao Branch marks a significant advancement in the online transaction platform for bills, driven by process innovation and technology empowerment, aimed at transforming bill business online and serving the real economy [1] Group 1: Business Development - The collaboration with Shandong New Hope Liuhe Group, the largest private enterprise in Qingdao, highlights the bank's focus on meeting the needs of major local businesses [1] - The "Back贴通" business streamlines the bill process from "hour-level" to "minute-level" efficiency, addressing traditional bottlenecks in bill circulation [1] Group 2: Product Innovation - The new product is designed around customer needs, effectively integrating payment channels between parent and subsidiary companies and external suppliers [1] - The service model is tailored to the characteristics of the industry chain, enhancing the overall customer experience [1] Group 3: Strategic Empowerment - Innovation-driven development is emphasized as a core strategy for high-quality growth in the bank's bill business [1] - The product not only provides efficient services to meet corporate financing needs but also aligns with national strategic goals, showcasing the bank's financial responsibility [1]

Core Insights - Tianjin's Financial Innovation and Operation Demonstration Zone (referred to as "Jin Chuang District") has achieved significant milestones over the past decade, promoting systemic innovation and providing a model for financial reform and innovation in the Beijing-Tianjin-Hebei region and nationwide [4][5][9] Financial Development Achievements - The recently released "Tianjin Green Finance Development Index" showcases the city's achievements in green finance, with over ten national "firsts" established, including the first standardized green financing lease and commercial factoring standards [6][9] - Since 2021, the balance of green loans in Tianjin has increased by an average of 100 billion yuan annually, surpassing 840 billion yuan as of September this year, with 217 million yuan allocated to carbon reduction projects, resulting in a reduction of 6.33 million tons of carbon emissions [6][9] Financing and Leasing Innovations - The financing leasing and commercial factoring sectors in Tianjin have grown significantly, with over 50 national "firsts" achieved, including the first cross-border RMB leasing for mining machinery and container exports [7][9] - The commercial factoring asset scale has exceeded 300 billion yuan, maintaining the top position in the country, while the financing leasing scale has reached 2.3 trillion yuan, accounting for approximately one-quarter of the national market [7][9] Shipping Finance Development - Tianjin has established a shipping finance development index and improved financial response mechanisms for port enterprises, with major banks setting up shipping finance centers to enhance financial services [8][9] Policy and Strategic Support - The central bank and Tianjin government have jointly issued policies to support high-quality development in Tianjin, providing a robust framework for the Jin Chuang District [9][10] - The city has implemented targeted financial tools to address local economic challenges, including specialized loans for urban village revitalization and infrastructure public REITs projects [10][11] Financial Services for Key Industries - Tianjin has launched initiatives to support key industrial chains, with new credit issuance of 139.3 billion yuan and 36.2 billion yuan in loans in the first three quarters of this year [11][12] - The city is developing a comprehensive financial service system for technology enterprises and small businesses, enhancing financial accessibility and support [11][12] Financial Innovation and Historical Integration - The Jin Chuang District serves as a testing ground for financial reforms, with a focus on innovation and sharing successful practices to inspire other regions [12][13] - Tianjin's financial sector has seen significant growth, with deposits exceeding 5 trillion yuan and loans surpassing 4.8 trillion yuan, contributing to a rising share of financial value added in the city's GDP from 8.8% in 2014 to an expected 14.2% in 2024 [13]

Core Insights - Shanghai Rural Commercial Bank has established a strategic partnership with New Zealand New Cloud (Shanghai) E-commerce Co., Ltd. during the 8th China International Import Expo, enhancing digital cross-border financial solutions for participating enterprises [1][2] - The collaboration follows the bank's launch of two new cross-border remittance products, "Xin Yi Xian Su Da" and "Xin Yi Bai Bi Tong," aimed at improving financial services for import businesses [1] - The partnership exemplifies the bank's commitment to financial innovation and support for enterprises like New Zealand, facilitating the rapid delivery of fresh milk from New Zealand to China within 72 hours [1] Group 1 - The strategic cooperation aims to provide comprehensive digital cross-border financial solutions to a range of enterprises participating in the expo [1] - Shanghai Rural Commercial Bank has been a consistent participant in the Import Expo for eight consecutive years, showcasing its dedication to supporting businesses through financial innovation [1] - The bank's initiatives include optimizing remittance paths and managing currency risks, effectively addressing financial bottlenecks in the import cold chain food trade [1] Group 2 - The bank positions itself as a "financial bridge" connecting global markets with opportunities in China, focusing on innovative and high-potential enterprises like New Zealand [2] - It aims to create an international, comprehensive, and digital financial service system, providing integrated financial solutions across the entire lifecycle and industry chain [2] - The partnership contributes to the ongoing development of Shanghai as an international trade center, injecting sustained momentum into its growth [2]

Core Insights - A significant move in the financial sector involves an economy issuing dollar-denominated bonds in an international financial hub, amidst rising debt levels of a major country, leading to concerns among dollar reserve-holding economies about investing in U.S. Treasuries [1][3] - This new bond issuance provides an alternative for economies hesitant to invest directly in U.S. debt, allowing them to acquire dollar reserves for various purposes, including purchasing goods and supporting economies facing dollar shortages [3][4] - The unique repayment options for bondholders, including receiving dollars, local currency, or commodities, create a distinctive funding cycle that enhances the international standing of the issuer's local currency [4][6] Summary by Sections - **Debt Concerns**: A major country's debt has reached alarming levels, forcing its government to borrow new debt to repay old debt, raising concerns for dollar reserve-holding economies [1] - **New Investment Opportunities**: Economies with good credit are now able to issue dollar bonds, providing a new investment avenue for those wary of U.S. Treasuries [3] - **Funding Cycle**: The repayment flexibility for bondholders fosters a more efficient flow of funds among global economies and elevates the issuer's currency status [4] - **Triangular Funding Model**: This model illustrates a scenario where one economy, lacking dollars to repay debts to a major country, borrows dollars from another economy with ample reserves, creating a circular flow of resources [6]

Group 1 - The eighth China International Import Expo is gaining momentum, with various financial institutions launching innovative financial products to support enterprises in global operations [1] - Bank of China introduced the "Global Payroll" product to address the complexities and inefficiencies in cross-border payroll for enterprises, providing a comprehensive service system from payroll to usage [1][3] - The product aims to reduce time and cost in cross-border payroll management, allowing enterprises to focus on core business expansion [3] Group 2 - China Pacific Insurance provided an insurance solution for the expo, with a total coverage amount of 1.28 trillion yuan, benefiting organizers, exhibitors, buyers, and supply chain service providers [5] - The company developed a "technology output + local service" solution to address challenges faced by the new energy vehicle sector in international markets [5] - Pacific Insurance aims to enhance the convenience of insurance for domestic vehicles abroad by leveraging online services and collaborating with local partners to mitigate risks [7]

中新网南宁11月8日电(林浩)广西壮族自治区副主席胡帆表示，作为中国面向东盟开放合作的前沿省 区，广西将把人工智能与金融创新融合，深化与东盟务实合作。 接下来，广西将与各金融机构一道，加强数据互通和场景共建，打通金融与产业数据要素流通大动脉， 让人工智能技术真正赋能金融创新，促进金融服务水平跨越式提升，更好地服务实体经济发展。 此次活动期间，广西北部湾银行与12家区内外地方法人金融机构签署《地方法人银行服务集团实体客户 合作协议》，同时还与大成基金签订战略合作协议，共同探索合作新模式。广西北部湾银行党委书记、 董事长黎栋国介绍，作为扎根广西的本土银行，广西北部湾银行出台多项政策，全面对接服务入驻广西 的人工智能企业，量身定制综合金融服务，为"人工智能+金融"双向奔赴提供了方案。 大成基金管理有限公司党委书记、总经理谭晓冈表示，本次交流会聚焦于人工智能和金融服务创业创新 议题，有助于促进业内通过紧密合作，共同把握AI的发展机遇。 图为相关合作项目签约仪式现场。林浩摄 胡帆在活动致辞中介绍，今年以来，广西积极构建"北上广研发+广西集成+东盟应用"的人工智能发展 路径，加快建设中国—东盟国家人工智能应用合作中心。在 ...