近日，一则"病重老人被要求亲自取钱在银行去世"的新闻引发社会广泛关注，由此引发的银行是否应为 特殊客户群体提供上门服务的话题也持续发酵。哪些银行可提供上门服务？上门服务如何预约？通常需 要等待多久？5月19日，南都湾财社记者选取了广州地区9家银行网点实测发现，多数银行网点均表示可 提供上门服务，但也有个别外资银行网点称，暂时没有开通上门服务。 实测还发现，虽然广州地区多数银行对特殊群体等上门需求的响应已形成基础机制，但在服务细节上仍 有提升空间。比如，有银行上门服务时仅完成身份核验与授权环节，还需要家属到网点完成后续流程。 记者调查： 多数银行网点称可提供上门服务 有外资行表示暂未开通相关服务 5月19日，南都湾财社记者"以老人腿脚不便"为由，咨询了广州地区含国有行、股份行、城商行和外资 银行在内的9家银行网点是否可提供上门服务，多数银行网点均表示，针对此类特殊人群，已推出上门 服务机制。 比如，建设银行越秀区一支行工作人员对南都湾财社记者表示："我们会根据客户所在区域优先匹配周 边支行进行上门服务，您直接打电话预约就行，不用通过 APP。" 当记者致电东莞银行广州天河支行，咨询如何给行动不便的老人办理开户等 ...

Core Viewpoint - The China Securities Regulatory Commission (CSRC) aims to enhance transparency and predictability in its systems, improve communication with international investors, and optimize the management of overseas listings and qualified foreign institutional investors [1] Group 1: Regulatory Enhancements - The CSRC will focus on improving the quality and efficiency of overseas listing filing management [1] - There will be support for qualified foreign institutions to apply for new businesses and establish new products [1] - The cross-border financial service system will be continuously improved [1] Group 2: Market Opening and Coordination - The CSRC will enhance the systematic nature of opening up, coordinating the opening of stock, bond, and futures markets [1] - There will be an increase in the supply of internationalized futures and options products [1] - The aim is to enrich asset allocation and risk management tools [1] Group 3: International Cooperation - The CSRC will strengthen bilateral and multilateral cross-border regulatory cooperation [1] - Active participation in the formulation of international standards and rules will be emphasized [1] - The collaboration between the mainland and Hong Kong markets will be further strengthened to consolidate Hong Kong's status as an international financial center [1]

《民营经济促进法》的实施将进一步保障金融行业服务民营经济的实效，使金融机构在创新服务模式， 更好助力民营经济高质量发展上大有作为。 在笔者看来，金融行业可以在以下方面着力突破，创新民营经济服务模式。 《中华人民共和国民营经济促进法》（以下简称《民营经济促进法》）将于5月20日起正式施行。 这是我国第一部专门关于民营经济发展的基础性法律，具有里程碑意义，标志着我国通过法治手段为民 营经济高质量发展提供全面保障，让民营企业能够放开手脚，集中精力扩大生产规模、加大研发投入、 开拓市场，实现企业转型升级和高质量发展，并获得更广阔的发展空间。而民营企业发展壮大将持续推 动产业升级、增加就业机会、提高居民收入，促进经济社会整体健康发展。 长期以来，民营经济在我国经济社会发展中发挥重要作用，但民营企业自身发展过程中也面临着诸多挑 战，包括融资难、融资贵等难点痛点。 多年来，民营企业融资是社会各界关心的热点问题，而金融行业从未放慢探索畅通民营企业融资渠道的 脚步。 与此同时，金融机构还可协同创建信息对接共享机制，提高金融机构与民营企业间的信息对称性。通过 建立信息共享平台，金融机构可更全面了解民营企业经营状况和信用状况，从而 ...

日前，国家金融监督管理总局办公厅发布《关于做好2025年小微企业金融服务工作的通知》（以下简称 《通知》），提出了"坚持稳中求进工作总基调，牢牢把握金融工作的政治性和人民性，深化支持小微 企业融资协调工作机制，提升金融机构服务效能，力争实现小微企业金融服务'保量、提质、稳价、优 结构'，助力稳定预期、激发活力，推动经济持续回升向好"的总体要求。 记者了解到，《通知》提出的"保量"，即保持信贷支持力度；"提质"即加强风险管理，指导提高小微企 业信贷质量；"稳价"即稳定信贷服务价格，指导加强贷款定价管理，合理确定普惠型小微企业贷款利率 水平。深化金融科技手段运用，降低运营成本。规范与第三方合作，降低综合融资成本；而"优结构"即 优化供给结构，引导加强首贷户发掘和培育，加大续贷政策落实力度，做好信用贷款、中长期贷款投 放，强化小微企业法人服务。 在业内人士看来，小微企业为活跃就业市场、增加经济活力作出了重要贡献。加强小微企业金融支持和 服务是必然举措。未来，商业银行应围绕小微经营主体日益多元的金融需求，深化"信贷+"服务模式， 构建良性竞争格局。 "今年以来，我国各项宏观政策协同发力，经济呈现向好态势，社会信心持续 ...

Core Viewpoint - The National Financial Supervision Administration's notice aims to enhance financial services for small and micro enterprises (SMEs) by guiding banks to implement precise and sustainable financial support systems, ensuring efficient capital flow to the economy's "capillaries" [1][2]. Group 1: Financial Service Strategies - Banks are encouraged to collaborate with government departments to accurately assess the operational status and financing needs of SMEs [1]. - A multi-layered and comprehensive financial service system should be established to ensure effective supply of credit to SMEs [1]. - Financial technology should be utilized to reduce operational costs and streamline financing processes for SMEs [1]. Group 2: Enhancing Trust and Service Quality - Improving service quality is crucial for banks to gain the trust of SMEs, necessitating the establishment of incentive mechanisms that favor small business financing [2]. - Banks should focus on increasing the coverage of first-time loan clients and optimizing loan structures to include more credit and medium-to-long-term loans [2]. - Collaboration with industry regulators and local governments is essential to enhance the effectiveness of financial services for SMEs [2]. Group 3: Long-term Commitment and Social Responsibility - Banks are urged to actively fulfill their social responsibilities by providing high-quality, efficient, and comprehensive financial services to support the growth of SMEs [2]. - Continuous efforts are needed in areas such as credit supply, service quality, and ecosystem development to foster a favorable environment for SMEs [2].

Core Viewpoint - Agricultural Bank of China Fujian Branch focuses on enhancing financial support for local key industrial chains, aiming to boost rural revitalization and contribute to the development of the real economy and common prosperity [1] Financial Support and Growth - As of the end of March this year, the agricultural loans balance of Agricultural Bank of China Fujian Branch reached 249.45 billion yuan, with a net increase of 18.17 billion yuan since the beginning of the year [2] - The bank has visited over 3,000 out of 3,061 agricultural industrialization leading enterprises in the province, achieving a coverage rate of 99% [3] - The credit support coverage rate for these enterprises has increased to 20.48%, up by 6.66 percentage points since the beginning of the year [3] Service Model Innovation - The bank has established a three-tiered service system focusing on national, provincial, and county-level leading enterprises to ensure precise service delivery [3] - The Nanping Branch has developed financial service solutions tailored to the tea industry, integrating financial services into the entire tea production and sales chain [4] Customized Financial Solutions - The bank tailors comprehensive financial service plans for local advantageous industries such as tea, bamboo, and aquatic products [5] - In Longhai District, the bank provided a 2 million yuan working capital loan to a leading enterprise in the freeze-dried food industry, facilitating production expansion and research and development [6] Community and Economic Impact - The bank has launched a comprehensive service plan for the Sha County snack industry, addressing financial bottlenecks across the agricultural product supply chain [7] - The "Huinong e-loan (Sha County Snacks)" product has successfully supported local entrepreneurs, with the Sha County branch providing a total of 934 million yuan in credit support to 4,112 snack owners and their partners as of the end of March [8]

5月15日，建行无锡分行与无锡市退役军人事务局举行战略合作签约仪式，此次签约标志着双方在退役军人金融 服务领域的深度合作正式拉开帷幕，共同为退役军人提供更加优质、高效、全面的金融服务，推动退役军人工作 高质量发展。 邱少波局长在致辞中表示，无锡市作为驻军大市、安置大市、优抚大市，现有退役军人和其他优抚对象18万余 人。市退役军人局始终秉持"让军人成为全社会尊崇的职业、让退役军人成为全社会尊重的人"的理念，积极构建 独具无锡特色的退役军人服务保障新格局。此次与建行无锡分行的合作，将进一步提升退役军人金融服务的便捷 性和覆盖面，为退役军人创业创新、安居乐业提供有力支持。 陈峰行长在致辞中强调，建行无锡分行一直以来高度重视对现役、退役军人及其家庭的金融服务。通过此次战略 合作，分行将充分发挥自身优势，为退役军人提供一系列专属金融服务方案。包括但不限于：为退役军人创业提 供专属信贷产品，优化信贷审批流程，提高贷款发放效率；为退役军人提供灵活就业个人公积金汇缴服务指导、 个人公积金购房贷款、组合贷款等配套服务；为退役军人创办企业提供现金管理、便利结算等公司金融服务；制 作退役军人专属银行卡，并免收多项费用，提供个性化专 ...

Group 1 - The core viewpoint of the article emphasizes the future financial system reforms in China, focusing on optimizing financial resource allocation, enhancing the central bank system, ensuring financial stability, improving financial service quality, and promoting high-level financial openness [2][3][4] Group 2 - The importance of maintaining a stable financial environment is highlighted, with a call to improve multi-level capital markets and support long-term funding for strategic emerging industries and technological innovation [2] - The need for deepening interest rate marketization reform and enhancing the effectiveness of policy interest rates is discussed, aiming to optimize the design of structural monetary policy tools [3] - Strengthening regulatory frameworks and enhancing governance capabilities of small and medium-sized banks are emphasized to ensure financial stability [3] - Financial institutions are urged to focus on serving the real economy and improving resource allocation efficiency while preventing excessive speculation [3] - The strategic significance of advancing the internationalization of the Renminbi and developing offshore Renminbi products is noted, alongside the necessity for a robust international financial center [4]

Core Insights - The total assets of China's banking and insurance sectors continued to grow in Q1 2025, indicating a stable financial environment and enhanced financial service capabilities [1][2] Banking Sector Performance - As of the end of Q1 2025, the total assets of banking institutions reached 458.3 trillion yuan, a year-on-year increase of 6.7% [2] - Large commercial banks accounted for 198.5 trillion yuan, growing by 7.3%, representing 43.3% of the total assets [2] - The balance of inclusive loans to small and micro enterprises was 35.3 trillion yuan, with a year-on-year growth of 12.5% [2] Insurance Sector Performance - The total assets of insurance institutions (excluding specialized insurance intermediaries) reached 37.8 trillion yuan, an increase of 1.9 trillion yuan or 5.4% from the beginning of the year [2] - The original insurance premium income for insurance companies was 2.2 trillion yuan, reflecting a year-on-year growth of 0.8% [3] Asset Quality and Risk Management - The non-performing loan balance for commercial banks was 3.4 trillion yuan, with a non-performing loan ratio of 1.51%, slightly up by 0.01 percentage points [4] - The average capital return rate for commercial banks was 8.82%, increasing by 0.72 percentage points [4] - The capital adequacy ratio for commercial banks stood at 15.28% as of the end of Q1 2025 [5] Liquidity and Solvency - The liquidity coverage ratio for commercial banks was 146.20%, down by 4.63 percentage points year-on-year [5] - The comprehensive solvency adequacy ratio for insurance companies was 204.5%, indicating sufficient solvency [5]

据北京日报消息，5月16日上午，市委书记尹力围绕"服务国家金融管理中心建设，推动首都金融高质量 发展"调查研究，并召开金融工作座谈会。他强调，金融是国民经济的血脉、现代经济的核心，关系中 国式现代化建设全局。要深入贯彻习近平总书记关于金融工作的重要论述，坚持和加强党对金融工作的 全面领导，进一步增强做好首都金融工作的责任担当，主动识变应变，加强协同联动，深入做好金 融"五篇大文章"，为新时代金融强国建设作出首都更大贡献。中央金融办分管日常工作的副主任王江， 中国人民银行行长潘功胜，国家金融监督管理总局局长李云泽，中国证监会主席吴清，市委副书记、市 长殷勇分别参加。 了解企业上市审核流程 北京市和中国证监会领导来到北京证券交易所，察看企业上市审核流程展示，了解北交所努力打造服务 创新型中小企业主阵地等情况。尹力指出，要深化北交所改革，不断完善制度设计，实现健康快速发 展。落实好北交所深改19条，推动上市企业扩围提质。 随后召开的金融工作座谈会，有中央金融管理部门和一百余家中外金融机构参加。 尹力对北京金融发展取得的新成效表示肯定，对中央金融管理部门和各类在京金融机构给予北京发展的 支持帮助表示感谢。他指出，习近 ...